Artemis Credit Bureau Privacy Notice
This Policy provides information about how Artemis, as a credit bureau, uses and shares personal data (also called “credit bureau data”) about physical entities that in its Other Data Registries (i.e. beyond its Main Registry of Data of Economic behavior) for the purpose of offering Support services to interested Banks and Credit Acquiring Companies. The Notice covers the following topics:
- Who we are and how we can be contacted
- What we use personal data for
- What kinds of personal data we use, and where we get it from
- What is the legal ground for handling personal data
- Who we share the personal data with
- Where the personal data is stored and sent
- How long the personal data is kept for
- Whether the personal data is used to make decisions about individuals or profiling
- Your rights in relation to the personal data we hold about you
- Who you can complain to if you are unhappy about the use of your personal data
1.WHO WE ARE AND HOW WE CAN BE CONTACTED
We are Artemis Credit Bureau Ltd, a limited company registered in Cyprus under registration number ΗΕ 240932 having its registered office at 77, Strovolos Avenue, Office 501, 5th floor, 2018 Strovolos, Nicosia.
You can contact us about issues relating to personal data, including the contents of this notice, by any of the following methods:
Post: 77, Strovolos Avenue, Office 501, 5th floor, 2018 Strovolos, Nicosia
Email: [email protected]
Telephone: 22 454777
2.WHAT WE USE PERSONAL DATA FOR
Artemis Credit Bureau uses the data it collects to provide Support services to interested banks and Credit Acquiring Companies. In specific, Artemis Credit Bureau, in the context of providing these supporting services, maintains the following Data Registers (“Other Data Registers”):
- Issuers of Dishonored cheques & Bankruptcies of physical entities.
- Gazette entries on bankruptcies of physical entities.
- Purpose of the Register of Issuers of Dishonored cheques & Bankruptcies of physical entities.
The purpose of the specific Register is the monitoring and dealing with financial risks, the safeguard of commercial credit and the improvement of business relationships. This purpose coincides with both the purpose and the need of the Central Information Register (CIR) to address the serious problem of dishonored checks which undermines the role of cheques as a reliable means of payment and is a destabilizing factor for the viability and reliability of businesses and traders with all the negative effects on the economy, as well as for the purpose of the bankruptcy Register, which is publicly accessible from the website of the Department of Insolvency (http://ir.drcor.mcit.gov.cy/home/searchperson).
The relevant support service of Artemis Credit Bureau is offered exclusively to Banks.
- Purpose of the Register of Gazette entries on bankruptcies of physical entities.
The specific Register aims to ensure timely and accurate information regarding bankruptcies of physical entities. Specifically, the recipients of this support service receive a list of bankruptcies entries with the week's listings. The primary information is included in the Gazette of the Republic of Cyprus. The information facilitates Banks and Credit Acquiring Companies in the process of monitoring bankruptcies for their clients. Thus, as mentioned above, the purpose of monitoring and dealing with financial risks, the preservation of commercial credit and the consolidation of business relationships, is satisfied.
The relevant support service of Artemis Credit Bureau is offered to Banks and Credit Acquiring Companies.
3. WHAT KIND OF PERSONAL DATA WE USE, AND WHERE WE GET IT FROM
3.1 Register of Issuers of Dishonored cheques & Bankruptcies of physical entities.
3.2 Register of Gazette entries on bankruptcies of physical entities
4. WHAT IS THE LEGAL GROUND FOR HANDLING PERSONAL DATA?
The processing of personal data is necessary for the purpose of legitimate interests of the Banks and the Credit Acquiring companies which coincide with the purposes of the Registers, as analyzed above.
5. WHO WE SHARE THE PERSONAL DATA WITH
- Banks and the Credit Acquiring companies
We share the personal data with the interested Banks and Credit Acquiring Companies which operate in Cyprus for the assessment of the creditworthiness of their customers, depending on the Support service.
- Processor
We use an IT service provider to perform data processing tasks on our own behalf.
- Individuals
Individuals are entitled to obtain copies of their personal data that we hold in our Database. You can find more information in Section 9 below.
6. WHERE THE PERSONAL DATA IS STORED AND SENT
We are based in Cyprus and our database is located only in Cyprus. We do not send any information outside Cyprus.
7. HOW LONG THE PERSONAL DATA IS KEPT FOR
7.1 Register of Issuers of Dishonored cheques & Bankruptcies of physical entities
- Data received by the Management Committee of Central Information Register (CIR)
Information about the issuers of Dishonoured Cheques is deleted from the Artemis Credit Bureau Database according to the Rules / Procedures set up by the Management Committee of Central Information Register (CIR).
- Data received by the Department of Insolvency
Information about Bankruptcies / Dissolutions and applications of Bankruptcies / Dissolutions is kept on the Database according to the Regulations set up by the Department of Insolvency.
- Archived Data
We hold data in an archived form for up to ten (10) years, for investigation and enquiry purposes and as appropriate for our defense in legal claims.
7.2 Register of Gazette entries on bankruptcies of physical entities
The Data on Bankruptcies which are obtained from the Gazette of the Republic of Cyprus are kept in the form of weekly reports (lists) of entries for a period of 13 months. There is no single unified, cumulative register of the specific data.
8. WHETHER THE PERSONAL DATA IS USED TO MAKE DECISIONS ABOUT INDIVIDUALS OR PROFILING
We do not use automated decision-making or profiling in relation to your personal data.
9. YOUR RIGHTS IN RELATION TO THE PERSONAL DATA WE HOLD ABOUT YOU
- Right of access
You can request us to provide you with a copy of your personal data we hold in our Database
- Right of correction
You can request a correction for any incomplete, inaccurate or out of date information we hold about you
- Right of Restriction of Processing
You can request us to restrict the processing of your data.
- Right to erasure
You can request deletion of your data for any incomplete, inaccurate or out of date information we hold about you.
- Right to data portability
The Right to data portability is not applicable to Artemis Database because the processing is necessary for compliance with a legal obligation. The right to portability does not apply to the database of the said Registers due to the fact that the processing of the data is not based on your consent or a relevant contract but on legitimate interest.
- Right to object
You can exercise the Right to object to your data that we keep in our database, that is, the possibility to object, at any time and for reasons related to your particular situation, to the processing of personal data concerning you.
To exercise any of your rights, please visit or contact our Customer Service Office.
Our Customer Service Office is located at:
77 Strovolos Avenue, Office 501, 2018 Strovolos, Nicosia,Cyprus.
Tel.: +357 22 454777
Fax: +357 22 420135
10. WHO YOU CAN COMPLAIN TO IF YOU ARE UNHAPPY ABOUT YOUR PERSONAL DATA
We try to ensure that we deliver the best levels of customer service but if you are not satisfied with the quality of our servicing, you may contact us so that we can investigate your concerns. Please contact us using these details:
Post: 77, Strovolos Avenue, Office 501, 5th floor, 2018 Strovolos, Nicosia
Email: [email protected]
Telephone: +357 22 454777
You can also contact our Data Protection Officer at [email protected]
You also have the right to lodge a complaint to the Commissioner for the Protection of Personal Data, as the Cyprus supervisory authority.