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What are personal data?

Personal data says something about you. The best known personal data are name, (email) address, age and date of birth. Your bank account, phone number, IP address and your citizen service number (BSN) are also personal data.

 

Special categories of personal data

There are also special categories of personal data. These are data about your health and biometric data for example. Think of the use of facial recognition when onboarding as a customer to identify you. We may only use this personal data if the law states that it is allowed or if you give your explicit consent. Otherwise, we do not use special categories of data. 

Your personal data obtained from others

Suppose your partner also applies for a loan on your behalf. Then we may use the personal data we request about you, and in some cases we are even legally required to do so. It may also involve data from other sources. For example:

  • (Public) registers containing your details, such as the Central Guardianship and Administration Register, the Land Registry and Mapping Agency, the Bureau Krediet Registratie (the BKR registers consumer loans and arrears in the Netherlands), and the Chamber of Commerce;
  • Public sources such as newspapers, the internet and sections of social media that are not private. We do this, for example, because we need to be able to investigate fraud or other forms of crime;
  • Monitoring and compliance with sanctions legislation;
  • Files of other parties who have collected data about you, such as external marketing agencies or trade information agencies. We use this information if permitted by law.