HMD Global Privacy Portal

Privacy Portal

Credit Score Check Supplement

Updated August 25, 2022

This statement supplements HMD Global Privacy Policy for products and services.

If you wish to purchase HMD’s products on credit or subscribe to them through rent / hire, your credit score may be verified by an independent service provider to determine if the credit can be granted. The credit check process requires that your personal data is combined with the credit score service provider’s data. This supplement describes how your personal data is processed for credit score checks.

Your personal data is processed to determine your credit score as a prerequisite for granting the credit for you to purchase or subscribe to HMD’s devices. If you choose other payment options than credit when purchasing HMD’s products, your credit score is not determined.

Credit score check

Why are we processing your data?

What is the basis for processing data?

What data are we processing?

Determining credit score:

Credit score is used to determine if HMD’s products can be purchased on credit or subscribed to.

Your consent:

We are processing your data based on your consent. Your consent is requested for one-time processing, and your right to withdraw your consent is applied automatically when your consent expires after your credit score is determined.

Basic information:

Name, date of birth, gender, and address.

Purchase information:

Products bought on credit or subscribed to.

Credit information:

Outstanding balance of purchases, fees, and interests, and purchase and payment history including possible defaults.

Providing your data to credit score provider:

Your data is provided to the credit score provider in question for calculating your credit score. Credit score providers process your data as independent controllers, and they have been listed below.

Your consent:

We are processing your data based on your consent. Your consent is requested for one-time processing, and your right to withdraw your consent is applied automatically when your consent expires after your credit score is determined.

Basic information:

Name, date of birth, gender, and address.

Purchase information:

Products bought on credit or subscribed to.

Providing payment details to credit score provider:

When you pay your account in full or in case of payment default, we will disclose the status of your account to the credit score provider if contractually required to do so. This may affect your future credit score positively or negatively.

Contract between us:

When you enter into an agreement with us for purchasing a product on credit or subscribing to a product, your credit information is provided to the credit score provider in accordance with the terms described here.

Credit information:

Outstanding balance of purchases, fees, and interests, and purchase and payment history including possible defaults.

Reviewing sanction lists periodically:

When you have a long-term agreement with us, we need to verify periodically that you are not subject to sanctions.

Legal requirement to comply with sanctions and our legitimate interests of preventing money-laundering, terrorist financing and other offenses:

We screen sanction lists on risk-based approach to ensure that HMDs products and services are not used to bypass sanctions.

Basic information:

Name, date of birth, gender, and address.

How long is the data retained?

Your credit score is retained for the duration of entering into an agreement which permits you to purchase a product on credit or subscribe to a product.

Product purchase and subscription information is retained for 6 years after the purchase / subscription for settlement purposes. For purchases on credit, delivery and shipping data is retained for 6 months after the purchase. For subscription, delivery and shipping data is retained for 5 years after delivery or 1 year after the end of the subscription, whichever is the latest.

Automated decision-making

An acceptable credit score is necessary for entering into a credit contract with HMD. The assessment of your credit score and the consequent decision-making of approving the credit has been automated in order to make fast and accurate decisions without human error. If you wish to request human intervention for the credit decision, express your points of view, or contest the credit decision, please contact HMD at https://www.nokia.com/phones/en_int/support. If you ask HMD to review the decision, please be prepared to provide supporting evidence for your views. We recommend that you obtain a credit report in order to verify if there is financial product mentioned there that you are no longer using and, if relevant in your country, check if your electoral register address is up to date.

HMD ensures that scorecards used to calculate your credit score are validated and tested regularly to ensure that the scores are calculated accurately. The scoring methods are based on objective, consistent and fair criteria in accordance with international standards.

The automated decision-making reviews that you:

  • are known in the given address (and, depending on the country, it matches the electoral register),

  • have a credit score which is accepted by HMD, and

  • are not on known sanction lists.

The credit score takes into consideration the number of your good and delinquent accounts (or no accounts at all) as well as the time you have been registered in the official records. The credit score may also consider the sums of your accounts and the time passed since payments and defaults. The decision-making shall never be based on your characteristics such as religion, race, political beliefs, sexual orientation, disability, or criminal record.

Sources and recipients of the personal data

Your basic information is collected from you when you fill the form to purchase a product on credit or to subscribe to a product. Your credit score is provided by a country-specific credit score provider.

Your information is disclosed to a credit score provider which process your personal data as an independent controller. Country-specific credit score providers are listed below:

Germany

For the purpose of the credit rating/solvency check, Creditreform Boniversum GmbH, Hellersbergstr. 11, 41460 Neuss, Germany, sends us your personal address data and solvency data saved in its database, including score values calculated using actuarial techniques, insofar as we have credibly demonstrated our legitimate interest therein. The calculation of the score value also uses address data amongst other things.

United Kingdom

TransUnion International UK Limited, One Park Lane, Leeds, West Yorkshire, LS3 1EP, United Kingdom acts as the credit reference agency when products are purchased on credit or hired in the United Kingdom. To do this, we will supply your personal information to TransUnion, and they will give us information about you. This will include information from your credit application and about your financial situation and financial history. TransUnion will supply to us both public and shared credit, financial situation and financial history information and fraud prevention information. We will continue to exchange information about you with TransUnion while you have a relationship with us. We will also inform TransUnion about your settled accounts. If you borrow and do not repay in full and on time, TransUnion will record the outstanding debt. This information may be supplied to other organisations by TransUnion. When TransUnion receives a search from us, they will place a search footprint on your credit file that may be seen by other lenders. TransUnion provides a Credit Reference Agency Information Notice known as CRAIN which describes how data is obtained, processed, and shared by TransUnion. CRAIN is available at https://www.transunion.co.uk/crain. Privacy Notice is available at https://www.transunion.co.uk/legal-information/bureau-privacy-notice.

Your payment details are disclosed to the credit score provider.

You can find previous versions of this document here:
August 25, 2022