Privacy noticies
How we process information about you
UC’s role is to collect, process and provide information and services in a secure, lawful and correct manner. The activities conducted within UC benefit many different stakeholders and are useful to various actors in society. Within the framework of its work to protect privacy, UC must therefore also work to remove any obstacles to the flow of personal data between different stakeholders.
UC’s activities are governed by a variety of legislation, particularly the General Data Protection Regulation and Sweden’s Credit Information Act.
General information about the Credit Information Act
UC AB is a credit reference agency holding a permit from the Swedish Data Protection Authority to conduct credit referencing activities.
Our credit reference register contains all private individuals over the age of 15 years who are registered as being resident in Sweden, as well as all companies in Sweden. Our aim is for the data to be processed in such a way that individuals whose data we process, as well as authorities and society, can have complete confidence in the processing that we carry out.
Credit referencing is regulated by the Credit Information Act, which contains provisions that supplement the General Data Protection Regulation and Sweden’s Data Protection Act.
The purpose of providing a credit report – i.e. details, scores and guidance about you – is so that the recipient can make various financial assessments. This means that the information is used as a basis for various business and credit decisions. The Credit Information Act also states that the information may be provided as a basis for calculating the capital requirements for credit risks.
When we provide a credit report to, for example, a bank, you will also receive a copy of the report showing the information that we have provided as well as who requested the report (this also applies to sole traders and partnerships). The party requesting a credit report for a private individual must have what is known as a legitimate need, which means that not just anybody has access to the credit reference register.
Our different privacy notices
- Privacy notice for individuals over 15 years of age and registered as residents in Sweden or have emigrated from Sweden
- Privacy notice for data subjects that as individuals have registered as users of the data services of UC AB
- Privacy notice for data subjects that use UC AB data services on behalf of their employer
- Privacy notice for data subjects who respond to a Customer feedback survey