On this page, you can read more about how we at Entercard process your personal information.
Personal information is information that can identify you as individual and includes information such as your social security number, address, phone number, credit assessment.
It is important for us that you know what kind of information we collect and how we treat your privacy.
Processing of personal data
What kind of information do we process and store?
We store and process personal data from your application, credit card, consumer loan or other services we offer. We also store information about your use of our products and services. We get information about your financial status from publicly registered credit bureaus and available debt registers.
In our marketing we use data from different marketing agencies. We do not store the information longer than necessary.
This is how we use personal information
We use your personal information to provide the service we have agreed upon, to inform you about the products you have bought from us and your rights. We also handle information about you when we process applications in our customer administration, when we send out bills, provide you with offers.
Furthermore, we use personal information for the following purposes:
- Fulfil our legal obligations
- Customer follow-up and marketing
- Risk classification of customers and credit portfolio
- Prevent and uncover criminal activity
Do you want access to the information?
You have a right to get access to how we treat and store your information. If you want to see what data we have stored on you, or retrieve your data in a machine-readable format, you can log on to one of our personal information portals:
The portals give you access to all of the active and inactive accounts you have at Entercard. You may also contact our customer service for more information.
If you are Entercard’s customer in Finland, you can access this information by calling the customer service.
Suspicion on unauthorized access
If you suspect that one of our employees has accessed your personal information without a professional need, please contact our Data Protection Officer on e-mail email@example.com or on phone. He will help you further in the process and you can request that we make an internal investigation in order to confirm or invalidate the suspicion. You will get information about the results.
We provide answers to all orders on access as soon as possible, within 30 days. In some cases, it may take longer to process orders. You will be informed and we will keep you updated.
What is a consent?
You can choose if and how you receive information and offers from us. A consent is only valid when it is:
- Informed: you have received information and are aware of what you agree to
- Optional: we cannot demand a consent. Consent is something you choose to give us
- Explicit: You must conduct an active action when you consent
- Specific: It is defined what the consent applies to
You can update your consents at “My pages” in the netbank or by contacting our customer service.
About telephone recording
We perform telephone recordings of calls to our customer service, if the caller consents. The used to give feedback (training) for our new employees and quality assurance. We store the records up to 45 days.
Your right to reservation and restriction of processing
The right to reserve against marketing campaigns
If you do not want any offers from us, you have the right to reserve our processing of your personal data. To reserve yourself, log on to the personal information portal.
You can also contact our customer service. Customers who have credit card through their local savings bank must contact the customer service. You can choose if you want the reservation to apply to e-mail, phone and text messages.
If you are Entercard’s customer in Finland, you can reserve yourself by the calling the customer service.
You will still receive information that we are obligated to provide, even if you reserve yourself from marketing.
Right for restriction of processing
If the conditions for restriction of processing is fulfilled (see article 18 of GDPR), you as a customer may require that Entercard can restrict the processing of your personal information. This means that personal information can not be used but only stored.
The need for restriction may occur if a customer wants to correct the information in a credit assessment they mean is based on incorrect information without further processing the application.
How do we use automated decision-making
We use automated decision-making when we process applications to ensure objectivity and to protect your privacy. When processing occurs automatically, we analyse information you provide in the application, information from credit bureaus, data from our own systems, campaign data and our own credit evaluation models.
In cases where we suspect money laundering and terrorism financing, we also use automatic decision-making. The same applies for fraud monitoring systems and when we block cards for late payments.
You can request manual processing of your application. If you want more information about a decision we have made, you can contact our customer center.
When do we delete your data?
We will end your customer relationship when you no longer have any agreements with us. We store your personal information in accordance with the accounting- and money laundering legislation. We store necessary information about your customer relationship until the statute of limitation period of the current product has expired. After that, we delete the personal information from our systems.