Provide and deliver products and services
Account and payment services
We process your personal data when you as the company you are a representative for open an account and enter into a payment services agreement with us. We do this in order to process invoices, carry out payment transactions on your accounts and provide other services that you have linked to your account by agreement with us or third parties.
We collect the information directly from you, your company, from our internal systems, from credit information agencies and other public registers. We need to verify your identity in accordance with anti-money laundering rules and legislation.
The purpose of processing personal data is to offer, monitor and provide account and payment services. The legal basis for the processing is to be able to fulfil the agreement we have with you.
If you are a representative or contact person of DNB’s corporate customer, we have a legitimate interest in processing your personal data. Our legitimate interest is to offer, monitor and provide account and payment services to the company for which you are a contact person.
To comply with our legal obligations, we are responsible for complying with statutory reporting obligations and preventing money laundering and terrorist financing as part of the overall customer relationship.
We retain your personal data for 13 years after the end of the contractual relationship, in accordance with the statutory period of limitation.
When we collect and process information about you, you have several rights under data protection rules and legislation. This includes the right of access, the right to data portability, the right to rectification of any errors and the right of erasure, which means that we must, on our own initiative, delete information that is no longer necessary for the purpose of the processing.
We will always consider any objections you may have to the processing of your personal data, and we will follow up when you opt out of direct marketing. Read about how you can exercise your data protection rights in our privacy notice under ‘Your rights’.
DNB Denmark is responsible for the processing of your personal data.
- identification data
- contact details
- relationship data
- for a corporate account, we process personal data about the person who creates the account or represents the company.
We use data processors in connection with payment and cloud services. In accordance with our reporting obligations, we may disclose personal data to public authorities and registers.
Asset financing
We process personal data when you, either as a private or business customer, apply for asset financing. We provide asset financing for cars, boats, construction machinery and several other types of equipment and means of transport. We provide various products including rental, loans, leasing and car management. Such applications may be submitted through various distribution channels, including car dealers. In the case of sales through third parties, the applications are registered electronically and then forwarded to DNB.
We obtain the information directly from you, from our internal systems, public registers or via our partners. We may also obtain information from the Danish Customs and Tax Agency (Skattestyrelsen), the Danish Debt Register (Gældsstyrelsen) and credit information agencies.
When you have entered into an agreement, we process your personal data to monitor the customer relationship, including your ongoing repayment, to prevent you from misusing the product, and to prevent and detect money laundering and terrorist financing.
In order to safeguard our financial interests, we will in some cases transfer personal data to a debt collection agency. If a breach of contract has resulted in a loss, we are required to retain certain personal data about you for future credit assessments.
The credit assessment is partially automated but based on a predefined model managed by DNB. If you suspect that the assessment is incorrect, or you want to complain about the assessment, you can do so under “Complaints” or “Contact us”.
The purpose of the processing of personal data is to provide customer service, respond to enquiries and provide advisory services through our various channels. The legal basis for the processing is to be able to fulfil the agreement we have with you.
We retain your personal data for 13 years after the end of the contractual relationship, in accordance with the statutory period of limitation.
When we collect and process information about you, you have several rights under data protection rules and legislation. This includes the right of access, the right to data portability, the right to rectification of any errors and the right of erasure, which means that we must, on our own initiative, delete information that is no longer necessary for the purpose of the processing.
We will always consider any objections you may have to the processing of your personal data, and we will follow up when you opt out of direct marketing. Read about how you can exercise your data protection rights in our privacy notice under ‘Your rights’.
DNB Denmark is responsible for the processing of your personal data.
- identification data
- contact details
- relationship data
- financial data
- serial number or registration number
We use services providers as data processors which process personal data on our behalf.
We share information with dealers and partners who deliver the objects that we finance. We also share information with our partners associated with car administration.
In the event of default on a loan, we share information with debt collection agencies.