According to Art. 4 No. 7 EU-GDPR responsible is:

Creditreform d.o.o.
Božidara Adžije 19
HR – 10000 Zagreb
Tel: +385 1 6311 477
Fax: +385 1 6311 499
creditreform@creditreform.hr

Our data protection officer could be reached under:

Creditreform d.o.o.
Marijana Cindrić
Tel: +385 1 6311 477
Fax: +385 1 6311 499
E-Mail: info@creditreform.hr

In particular, our database stores information about the name of the business subject, name of the responsible person, address, professional activity and financial circumstances, any liabilities and information on payment behavior.

The data comes partially from publicly available sources such as public registers, the Internet, the press and other media, as well as from the transmission of data on outstanding claims.

The purpose of the processing of the collected data is the provision of information about the creditworthiness of the requested business subject including other credit-related information as well as the use for direct mail marketing. The legal basis for processing is Article 6 (1f) EU-GDPR. 

According to Art. 6 (1f) EU-GDPR, information about the data stored by us may only be issued if a customer demonstrates a legitimate interest in the knowledge of this information. If data are transmitted to countries outside the EU, this is done on the basis of the so-called standard contract clauses, which you can find at the following link.

eur-lex.europa.eu/legal-content/EN/TXT/PDF/

Legitimate interests in the aforementioned sense may be: credit decision, business initiation, claim, credit check, insurance contract, solvency check.

Clients are domestic and foreign credit institutions, leasing companies, insurance companies, telecommunications companies, claims management companies, mail order companies, wholesalers and retailers, as well as other companies that deliver goods or services on invoice. Within the scope of the legal provisions, a part of the data available in the economic database is also used for the supply of other company databases, i. a. used for the purposes of dialogue marketing and for the updating, validation and enrichment of address records.

The data are stored as long as their use is necessary for the fulfillment of the purpose of the storage. The use is usually required for a storage period of initially three years. After expiration, it is checked whether storage is still necessary, otherwise the data will be deleted on a daily basis. In case of business completion, the data will be deleted exactly three years after completion. Entries in the debtor list are deleted at the end of three years from the day of the entry.

You have a right to information about the personal data stored by us. In case the data stored about you should be wrong, you are entitled to correction or deletion. If it is not possible to determine immediately whether the data is incorrect or correct, you are entitled to block the data until clarification. If your data is incomplete, you are entitled to complete the data.

If you have given your consent to the processing of the data stored by us, you have the right to revoke this consent at any time. The revocation does not affect the legality of the processing of your data based on your consent until the revocation.

You can complain about the processing of the data by us at the data protection agency in your country.

The transmission of your data to us is neither legally nor contractually required or required for a fulfillment of any contract. You are not obligated to provide us with the requested data. Failure to provide us with your information may make it difficult or impossible for your creditor or supplier to assess your creditworthiness, which in turn may result in your being denied credit or a service from Your business partners and suppliers.

The processing of the data stored by us is done for compelling legitimate interests of creditor and credit protection, which regularly outweighs your interests, rights and freedoms, or serve to exercise or defense legal claims. Only for reasons that arise from a particular situation (that you must prove), you can object to the processing of your data. If such cases, where special reasons can be proven, the data will no longer be processed. If your data is processed for advertising and marketing purposes, you have the right to object to it at any time. Then your data will no longer be processed for this purpose.

You can generally use our website without having to provide any personal data. When our website requests you to disclose personal data (e.g. name, address, email addresses), you are requested to do so – whenever possible – on a purely voluntary basis. These data will not be passed on to third parties without your express consent.

We would like to point out that all data transfers over the Internet (e.g. in email communications) are inherently vulnerable to security breaches. Absolute protection of the data against third-party access is not possible.

On our pages are integrated plugins of the social networks Facebook, Google, Twitter, Xing and LinkedIn. Please note the following sections about these plugins, which apply if you have activated the plugin at the end of the website.

Plugins of the social network Facebook (Facebook Inc., 1601 Willow Road, Menlo Park, California, 94025, USA) have been integrated into our website.

The Facebook plugins can be recognized by the Facebook logo or the “Like“ button on our website.

A summary of the Facebook plugins is available at:
developers.facebook.com/docs/plugins 

When you visit our website, the plugin establishes a direct connection between your browser and the Facebook server. This informs Facebook that you visited our website with your IP address. If you click the “Like” button while you are logged into your Facebook account, you can link the contents of our website to your Facebook profile. This allows Facebook to associate your visit to our website with your user account. We would like to stress that, in our capacity as the website administrator, we receive neither information about the content of the data transmitted to Facebook, nor about how it is used there. Further details can be found in Facebook’s Data Privacy Policy at:
de-de.facebook.com/policy.php

If you do not want Facebook to be able to link your visit to our website with your Facebook user account, please log out of your Facebook user account.

Functions of the service, Google +1, have been integrated into our website.
These functions are offered by Google Inc. 1600 Amphitheatre Parkway Mountain View, CA 94043,  USA.

Collection and forwarding of data:
The Google +1 button allows you to publish data worldwide, and enables you and other users to receive customized content from Google and our business partners. Google saves the information you provided for +1 content, as well as information about the page which you were viewing when you clicked +1. Your +1s can be displayed as tips, together with your profile name and photo, in Google services such as in search results, or in your Google profile, or at other places on websites and in advertisements in the Internet.

Google gathers information about your +1 activities to improve its services for you and others. To be able to use the Google +1 button, you need a globally visible, public Google profile which, at the very least, must contain the name chosen for the profile. This name will be used in all Google services. In some cases, this name can also replace another name which you have used to split contents over your Google account. The identity of your Google profile can be displayed to users who know your email address or have access to other identifying information about you.

Use of the gathered information:
In addition to the above-mentioned purposes, the information you provide is also used in accordance with Google’s data privacy policies (as amended). Google may possibly publish consolidated statistics about its users’ +1 activities, or forward these to users or business partners such as publishers, interested third parties or affiliated websites.

Data privacy declaration for using XING
Our website uses functions of the network XING. Provider is the XING AG, Dammtorstraße 29-32, 20354 Hamburg, Germany. Here, we would like to tell you about how personal data are processed when you click the XING “Share” button.

This website contains the XING “Share” button; when it is called up/clicked, your browser establishes a temporary connection to the XING AG (“XING”) servers used for providing the XING “Share” button functions (especially for calculating / displaying the counter value). XING does not save any personal data about you regarding your call to this website. In particular, XING does not store any IP addresses, neither does it evaluate your usage patterns by means of cookies connected with the XING “Share” button. The data privacy policies for the XING “Share” button (as amended), and further information, can be found at the URL:
www.xing.com/app/share

Functions of the service, Twitter, have been integrated into our website.
These functions are offered by Twitter Inc., Twitter, Inc. 1355 Market St, Suite 900, San Francisco, CA 94103, USA. When you use Twitter and the “Re-Tweet” function, the websites you visit are linked to your Twitter account and disclosed to other users. Data are also transferred to Twitter in doing so. We would like to stress that, in our capacity as the website administrator, we receive neither information about the content of the data transmitted to Twitter, nor about how it is used there. Further details can be found in Twitter’s Data Privacy at: twitter.com/privacy

You can change your data privacy settings at Twitter in the account settings at 
twitter.com/account/Settings

Our website uses components of the network, LinkedIn. LinkedIn is a service of LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA. For each call of one of our web pages containing such a component, the component causes your web browser to download a corresponding view / representation of the component from LinkedIn.

This process informs LinkedIn of the concrete web page on our website which is currently being visited. If you click the LinkedIn “Recommend” button while logged into your LinkedIn account, you can link the contents of our web pages to your LinkedIn profile. In this way, LinkedIn can link the visit of our web pages to your LinkedIn user account.

We have no influence on either the data that LinkedIn gathers here, or the scope of the data that LinkedIn gathers. Nor do we have any knowledge of the contents of the information transmitted to LinkedIn. Further details about the collection of data by LinkedIn and about your rights and configuration options can be found in the data privacy information published by LinkedIn at www.linkedin.com/legal/privacy-policy

This website uses Piwik, an open source software for statistically evaluating user accesses. Piwik uses so-called cookies – text files that are saved on your computer and enable your website usage to be analyzed. The information that the cookie generates about your usage of this web offering is stored on the provider’s server in Germany. You can prevent the installation of the cookies by configuring your browser software accordingly; we would like to stress, however, in this case, you may not be able to fully use all the website’s functions.

We use "Google reCAPTCHA" (hereafter "reCAPTCHA") on our websites. Provider is Google Inc., 1600 Amphitheater Parkway, Mountain View, CA 94043, USA ("Google").

With reCAPTCHA we want to check if the data entry on our websites (for example in a contact form) is done by a human or by an automated program. To do this, reCAPTCHA analyzes the behavior of the website visitor based on various characteristics. This analysis begins automatically as soon as the website visitor enters the website. For analysis, reCAPTCHA evaluates various information (such as the IP address, website visitor's time spent on the website, or mouse movements made by the user). The data collected during the analysis will be forwarded to Google.

The reCAPTCHA analyzes are completely in the background. Site visitors are not advised that an analysis is taking place.

Data processing is based on Art. 6 para. 1 lit. f DSGVO. The Web site operator has a legitimate interest in protecting its web sites from abusive automated spying and SPAM.

For more information about Google reCAPTCHA and the Google Privacy Policy, please visit the following links: www.google.com/intl/en/policies/privacy/ and www.google.com/recaptcha/intro/android. html.

With regard to the data processing connected with the use of this website you have the right to free information about your stored personal data, their origin and recipient and the purpose of the data processing as well as a right to correction, blocking or deletion of this data. For further information on personal data you can contact us at any time at the address given on this web site.

The provider of the pages automatically collects and stores information in so-called server log files, which your browser automatically transmits to us. These are:

• Browser type / browser version

• Used operating system

• Referrer URL

• Host name / IP of the accessing computer

• Time of the server request

A link of this data with other data sources will not be done. We reserve the right to check this data retrospectively, if we become aware of specific indications for illegal use.

This internet pages partly use so-called cookies. Cookies do not harm your computer and do not contain viruses. Cookies serve to make our offer more user-friendly, effective and secure. Cookies are small text files that are stored on your computer and stored by your browser.

Most of the cookies we use are so-called "session cookies". They are automatically deleted after your visit. Other cookies remain stored on your device until you delete them. These cookies allow us to recognize your browser the next time you visit.

You can set your browser so that you are informed about the setting of cookies, allow cookies only in individual cases, accept cookies for certain cases or generally exclude them as well as enable the automatic deletion of cookies when closing the browser. Disabling cookies may limit the functionality of this website.

If you send us inquiries via the contact form, your details from the inquiry form, including the contact details you provided there, will be stored in order to process the request and in case of follow-up questions.

If you agree on the contact form, we will disclose your contact information within the Creditreform Group to your local Creditreform office for contacting and providing information on Creditreform's products and services.

The use of published contact information on this web site for sending unwanted advertising and information materials is hereby prohibited. The administrator of the pages expressly reserve the right to take legal action in the event of the unwanted sending of advertising information, for example through spam e-mails.