Provide and deliver products and services
Asset financing
We process personal data when you, as a private individual or business customer, apply for asset financing for, for example, a car, trailers and trucks. The products we offer are loans, leasing, and fleet management with a pledge on the object or ownership of the asset.
We obtain the information directly from you, from our internal systems, public registers, or through our partners. We may also collect information from the Danish Customs and Tax Agency (Skattestyrelsen/Motorstyrelsen), the Danish Debt register (Gældsstyrelsen) and credit reference agencies.
When you or your company have entered into an agreement with us, we process personal data in order to follow up the customer relationship and to register ongoing repayment of the loan or payment of leasing.
We also process personal data to prevent misuse of the product and to prevent money laundering and terrorist financing.
To safeguard our financial interests, we may in some cases transfer personal data to a debt collection agency that handles any default process. If a default has resulted in a loss, we store certain personal data about you for future credit assessments.
The credit assessment carried out is partly automated but based on a model that is predefined and controlled by us. If you suspect an incorrect assessment or appeal to the assessment, you may contact us through our customer service channel.
The legal basis for the processing is the performance of the agreement we have with you. If you are a business customer, or a contact person for a business customer, we rely on our legitimate interest to process your personal data. Our legitimate interest is to offer, manage, and deliver the service to the company for which you act as a contact person.
In the event of a breach of the agreement, we have a legitimate interest in transferring information to a debt collection agency. Our legitimate interest is to safeguard the bank’s financial rights.
We store the information for 13 years after the contractual relationship has ended, in accordance with the statutory limitation period.
We store cases of default, including related information, for up to 4 years after the case has been resolved in our internal systems. The case is then placed in a restricted status for an additional 9 years, requiring special access permissions for our employees.
When we collect and process information about you, you have several rights under data protection rules and legislation. This includes the right of access, the right to data portability, the right to rectification of any errors and the right of erasure, which means that we must, on our own initiative, delete information that is no longer necessary for the purpose of the processing.
We will always consider any objections you may have to the processing of your personal data. Read about how you can exercise your data protection rights in our privacy notice under ‘Your rights’.
DNB Finans AS, a branch of DNB Finans AS, Norway, CVR no. 45909522 (“DNB Finans Denmark”), is a branch of DNB Finans AS.
DNB Finans AS is therefore the controller and is responsible for the processing of your personal data."
- Identification information
- Contact details
- Relationship information
- Financial information
We use data processors that perform collateral valuation, credit assessment services, and transaction services on our behalf.
Schedule a meeting with an advisor
We process personal data when you arrange a meeting with one of our advisers in DNB Finans (business to business only). We do this so that the advisors can search and verify your identity in our internal systems and public systems and follow up on your inquiry.
We obtain your contact details directly from you, from our internal systems if you are already a customer, or through our partners (for example, dealers of transport and construction machinery) if you have consented to them sharing information with us.
The purpose of processing personal data is to schedule a meeting with you in your role as a representative of a company, so that we can plan and conduct the meeting and follow up on the inquiry regarding asset financing.
The processing is based on our legitimate interest in communicating with contact persons and coordinating meetings related to asset financing inquiries for businesses.
We store the information for 5 years after your contact details have been registered.
DNB Finans AS, a branch of DNB Finans AS, Norway, CVR no. 45909522 (“DNB Finans Denmark”), is a branch of DNB Finans AS.
DNB Finans AS is therefore the controller and is responsible for the processing of your personal data.
- Contact details
When we collect and process information about you, you have several rights under data protection rules and legislation. This includes the right of access, the right to data portability, the right to rectification of any errors and the right of erasure, which means that we must, on our own initiative, delete information that is no longer necessary for the purpose of the processing.
We will always consider any objections you may have to the processing of your personal data, and we will follow up when you opt out of direct marketing. Read about how you can exercise your data protection rights in our privacy notice under ‘Your rights’.
Customer service
When you contact customer service, we process personal data in order to handle your enquiry and provide support related to our products and services, including equipment finance and mobility finance.
To protect your personal data and ensure secure communication, we always require you to verify your identity. Identification is carried out using secure identification methods, such as MitID, including when you contact us by phone. This applies to both private individuals and business customers.
We do not communicate case‑specific or confidential information via email unless you have been properly identified. Written communication is handled through the registered bookkeeping or contact address stored in our customer systems. Email communication is only used after identity has been verified.
The purpose of the processing is to provide customer service, respond to enquiries, and offer advice through our various communication channels. The legal basis for the processing is that it is necessary to perform the agreement we have entered into with you.
If you have been in contact with a customer advisor via chat, the chat log is retained for 6 months. Personal data processed in connection with other customer service enquiries via e-mail is retained for one year.
When we collect and process information about you, you have several rights under data protection rules and legislation. This includes the right of access, the right to data portability, the right to rectify any errors and the right of erasure, which means that we must, on our own initiative, delete information that is no longer necessary for the purpose of the processing.
We will always consider any objections you may have to the processing of your personal data, and we will follow up when you opt out of direct marketing. Read about how you can exercise your data protection rights in our privacy notice under ‘Your rights’.
DNB Finans AS, a branch of DNB Finans AS, Norway, CVR no. 45909522 (“DNB Finans Denmark”), is a branch of DNB Finans AS.
DNB Finans AS is therefore the controller and is responsible for the processing of your personal data.
- Chat logs
- IP-address
- Financial information
- Contact information
We share the personal data with our data processors for the purpose of providing our services.