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Privacy Statement

Privacy Statement

Atradius N.V., together with its subsidiaries and branches (“Atradius”), is a global provider of credit insurance, surety, reinsurance, debt collections and business information/intelligence services. Atradius operates in a business-to-business market. The products and services offered by Atradius aim to help companies around the world understand and protect against the default risks associated with the selling of goods and services and, in so doing, safeguard their sales. With these services we enable trade on a worldwide scale.

When providing our products and services, Atradius acts as "controller". We collect and process information mainly on companies and businesses. However, in the process of doing so, we also process data that may be qualified as “personal data” which is any information relating to an individual (e.g. a sole trader, a company director, a beneficial owner, a professional contact etc.). Your trust in how we handle your personal data is important to us. When you use our websites, applications, portals, sign-up for our newsletters, engage our services as a representative or contact person of our customer, trade (as a counterparty) with our customers or do business with us as our business partner or supplier, it is important to us to use your personal data carefully and securely in a transparent manner.

In this Privacy Statement we provide information we are required to give in relation to the processing of personal data under data protection law. We explain for instance the purposes and grounds of the processing of personal data, the categories of personal data concerned, the categories of the sources and the recipients of the personal data, data retention and your rights as data subject.

Atradius subsidiaries or branches may also have additional privacy notices on their own (local) websites. For Atradius Instalment Credit Protection (Belgium), please go to its website for specific privacy information.

Updates to this Privacy Statement

We strive for continuous improvement in our services, processes and protecting your personal data rights, so we may update this Privacy Statement from time to time. Therefore, we advise you to check this statement on a regular basis. This Privacy Statement was updated on 10 January 2024.

When do we collect personal data and when does this Privacy Statement apply?

This Privacy Statement applies to all individuals and representatives of companies that Atradius interacts with. Atradius will process your personal data for different purposes and under a different legal ground depending on your relationship with us.

Below we describe in detail when we collect and process personal data, our purposes and legal grounds for doing so and how we control access to your information:

1. If you use our website

1.1 What personal data do we collect?

When you use our website we process the following information about you as a website visitor or about your company or business, which may qualify as personal data:

1.2 Why do we collect this personal data?

We may use the above-mentioned information for the following purposes:

1.3 Legal grounds for using your personal data

We process your personal data only if this is allowed under one of the legal processing grounds. We rely on one or more of the following legal grounds for the processing of your information:

1.4 Where did we obtain your information?

We automatically obtain some information when you visit our website. We collect such information via cookies. See our Cookie Information page for more details on this.

We obtain other information when you actively provide it to us. This is, for example, the case when you sign up for any newsletters, email updates, country reports, updated trade or economic information, etc. via our website. See also the information on our marketing activities in paragraph 2.

1.5 Who will have access to your personal data?

We may disclose personal data to fulfil our purposes to:

2. Marketing, Surveys and Events

2.1 What personal data do we collect?

We may process the below information about you:

2.2 Why do we collect this personal data?

We may use your information for the following purposes:

2.3 Legal grounds for using your personal data

We process your personal data only if this is allowed under one of the legal processing grounds. We rely on one or more of the following legal grounds for the processing of our marketing activities, surveys or events:

2.4 Where did we obtain your information?

For marketing purposes, surveys or events, we primarily obtain information concerning you from yourself. In other instances, we may obtain your personal data from the various sources displayed below.

2.5 Who will have access to your personal data?

Atradius may disclose information on you, which may qualify as personal data to:

3. If you are a customer, policy related party, intermediary, co-guarantor, business partner or supplier

3.1 What personal data do we collect?

During the course of providing our products and services, we may process the following information on your business, which may qualify as personal data if it relates to information relating to an individual (e.g. a sole trader, partnership, company director, (ultimate) beneficial owner, shareholder, beneficiary, key professional contact or representative etc.).

3.2 Why do we collect this personal data?

We may process information on your business, which may qualify as personal data, for the following purposes:

3.3 Legal grounds for using your personal data

We process your personal data only if this is allowed under one of the legal processing grounds. We rely on one or more the following legal grounds for the processing of your information:

3.4 Where did we obtain your information?

The personal data that Atradius processes may originate from various sources:

3.5 Who may have access to your personal data?

We may disclose personal data to fulfil our purposes to:

4. If you or your company trade with our customers (a “buyer”, “debtor” or “beneficiary”)

4.1 What personal data do we collect? 

We may process the following information on your business, which may qualify as personal data, in so far as it relates to information relating to an individual (e.g. a sole trader, partnership, company director, (ultimate) beneficial owner, shareholder, key professional contact or representative etc.).

4.2 Why do we collect this personal data? 

We may process information on your business, which may qualify as personal data, for the following purposes:

4.3 Legal grounds for using your personal data 

We process your personal data only if this is allowed under one of the legal processing grounds. We rely on one or more of the following legal grounds for the processing of your information:

4.4 Where did we obtain your information? 

The personal data that we process may originate from various sources:

4.5 Who may have access to your personal data? 

We may disclose personal data to fulfil our purposes to:

5. International Transfers of personal data

Due to the international nature of our company and our business activities, the data we process may be transferred to or accessed by other entities within the Atradius group or selected third parties. These entities and third parties are located in different countries around the world. In order to fulfil the purposes described in this Privacy Statement, your personal data may be transferred to a different country than your country of residence.

We only transfer your personal data within the framework of the relevant data protection law and in accordance with our Intra-Group Data Transfer Agreement.

When we transfer personal data outside of a restricted legal framework such as e.g., the European Economic Area (“EEA”), we have taken appropriate safeguards to provide an adequate level of protection according to the applicable data protection law. These are safeguards such as Standard Contractual Clauses approved by the European Commission or the transfer is to a country which provides an adequate level of protection according to an adequacy decision of the European Commission.

Where we transfer your personal data outside of the EEA, you can ask us for information on the appropriate safeguards.

6. How we protect your personal data

We are committed to ensuring that your personal data is kept secure. In order to prevent unauthorised access or disclosure, we have put in place appropriate physical, technical and organisational measures to safeguard the information we collect and process.

In addition, whenever we grant access to personal data or otherwise transfer it to third parties (as described I sections 1-4) we take steps to ensure that any personal data is subject to the same or substantively similar levels of protection that Atradius already implements. This includes conducting vendor security assessments and executing data protection terms (including data processing agreements) with third parties.

7. How long we retain your information

We generally shall retain personal data only: (i) for the period required to serve the applicable business purpose; (ii) to the extent reasonably necessary to comply with any applicable legal requirements; or (iii) as advisable in light of an applicable statute of limitations. Atradius may specify (e.g., in a sub-policy, notice or records retention schedule) a time period for which certain categories of personal data will be kept.

8. How can you contact us, access and update your information? 

As a data subject, you have certain rights concerning our processing of your personal data. You can:

You may send us your request or complaint by submitting a form online. We will handle your request carefully and in line with the applicable data protection laws. In some cases we may need to ask you to provide additional information to verify your identity in order to exercise your request. You also have the right to lodge a complaint with your national data protection authority.

The Atradius Data Protection Officer can be contacted by emailing dpo@atradius.com