Dynamic Credit respects your privacy and does everything it can to protect your personal data. We believe it is important that we provide you with services in a way that is transparent and reliable. We are therefore constantly looking for ways to improve our services and tailor them to your wishes and needs.
We use your personal data in order to assess your suitability for the relevant role. If you are given an employment agreement, Dynamic Credit uses your personal data to draw up this contract. We process this data carefully and secure. We would like to be open and clear about the way we process your personal data. In this privacy statement we therefore provide you with answers to the most important questions about the processing of your personal data by Dynamic Credit.
Are you subject to this notice
This Privacy Statement applies to you if you are:
- A candidate interested in job offers contacting us to inform us you are interested in a position within Dynamic Credit (“Candidate”).
- A whistleblower not being an employee of one of Dynamic Credit group of companies.
When you provide us with personal data related to other people (including references), please make sure that you inform them about the disclosure of their personal data and invite them to read this Privacy Statement. We will ensure that we will do the same whenever possible (e.g., when we have the person's contact details).
Who is responsible for the processing of your personal data?
Depending on the position you are applying for, Dynamic Credit Partners Europe B.V., Dynamic Credit Management B.V., Loanclear B.V. or Dynamic Credit Group B.V. as controllers are responsible for the processing of your personal data when providing the services. All companies are directly or indirectly subsidiaries of BNP Paribas Asset Management Holding SA.
The purpose of this Privacy Statement is to explain to you how we process your personal data and how you can control and manage them.
What is personal data?
Personal data is data which directly or indirectly says something about you as a person. You share personal data with us if you are a customer, a job candidate, an employee or other type of relation of us, or if you have contact with us. For example, consider your name, address, age, date of birth and a copy of your passport. Your income, bank account number, IP address and BSN number are also personal data that we process.
What is processing?
That's all that can be done with personal data. For example, collecting, but also storing, using, consulting and deleting your data from our administration.
What rights do you have?
Since the GDPR privacy legislation has come into effect, you have more control over your personal data. Existing rights have been expanded and new rights have been added. You have the following rights:
- Inspection: You have the right to inspect your personal data and can generally access all personal data that we have about you within one month of your request.
- Correction: You can ask us to correct inaccuracies in your personal data.
- Delete: You can ask us to delete personal data under certain circumstances. In that case, we will take reasonable steps to inform other processors who process the personal data on our behalf that you have requested removal of links to and copies of your personal data.
- Objection to processing: If you object to certain processing of your personal data, for example emails with offers.
- Restricting processing: You can request us to restrict the processing of personal data under certain circumstances, for example if you dispute the accuracy of personal data.
- Portability: You can request the personal data that you have provided to us and that we store. We then supply these in a structured, common and machine-readable manner. You can, for example, send this to a third party.
- Withdrawal of consent: Where you have given permission to use your personal data, you can withdraw your consent. We may then no longer process the personal data for which the consent is applied.
- Submit a complaint: You can submit a complaint about the processing of your personal data by us to the Dutch Data Protection Authority.
When exercising these rights, exceptions may apply, meaning you cannot exercise certain rights in all cases.
Why and on which legal basis do we use your personal data?
- Your personal data is processed in order to take steps at your request prior to entering into a contract.
- Your personal data is processed in order contact you in case you have used the whistleblowing form on our website, if you have given your consent, which you can withdraw.
What types of personal data do we collect?
We collect and use your personal data, needed to create a dossier for you as a candidate meaning any information that identifies or allows one to identify you.
Depending among others on the types of products or service we provide to you and the interactions we have with you, we collect various types of personal data about you, including:
- Identification information: (e.g., full name , identity card or passport number, place and date of birth, nationality, gender)
- Contact information: (private or professional) postal address, e-mail address, phone number.
- Screening information: including reference checks, credit checks, VOG, BKR, Sanction list and PEP (publicly exposed person), (all where applicable).
- Information relating to your family situation: e.g., marital status.
- Education and employment information: e.g., level of education, employment, employer's name.
*Also applicable when you are a whistleblower, if you choose not to report anonymous
Who do we collect personal data from?
We collect personal data directly from or via you; however, we may also collect personal data from other sources.
We sometimes collect data from the following public sources:
- Publications/databases made available by official authorities or third parties (e.g., the Official Journal of the French Republic, the Trade and Companies Register, databases managed by the supervisory authorities of the financial sector).
- Websites/social media pages of legal entities or business clients containing information that you have disclosed (e.g., your own website or social media page).
We sometimes receive data from recruitment agencies:
In case you reach out to us via a recruitment agency, we will receive your personal information from this recruitment agency. However, it is the responsibility of the recruitment agency if they share your personal data with us. You can always ask us to delete your personal data. This is explained in the section 'How can you exercise your rights?'
We also collect personal data from third parties.
There may be the case, for example, when your (former) employer provides us with information about you, or when your contact details are provided to us by one of our customers or service providers because you are, for example:
- A family member
- Legal representative (mandates/delegations of authority)
- Shareholder(s) of companies
- A member of staff of our service providers and business partners
- Journalist(s)
- Personal contact(s)
Who do we share your personal data with and why?
With Dynamic Credit- and BNP Paribas Group's entities
As a member of the Dynamic Credit Group, we work closely with other Dynamic Credit- and BNP Paribas Group subsidiaries. Your personal data may therefore be shared between BNP Paribas Group entities, where necessary, to:
- comply with our various legal and regulatory obligations described above.
- fulfil our legitimate interests as described above.
How long do we keep your personal data?
If you are a Candidate, we will retain your personal data for the period of four weeks from the moment the vacancy has been fulfilled, or, if you have given your consent, which you can withdraw, for a year after the vacancy has been fulfilled.
In any case, your personal data is kept for the duration needed to pursue the purposes of the processing.
If you are a whistleblower, we will retain your personal data as long it is needed for the dossier to be closed, unless you withdraw your consent.
How can you exercise your rights?
You can exercise the right of inspection and the right to portability by sending an email to dpo@dynamiccredit.com or a letter to: Dynamic Credit Management B.V., for the attention of the Data Protection Officer. Frederik Roeskestraat 97 D, 1076 EC Amsterdam, stating the right you wish to exercise.
If you want to exercise your rights, please also send a copy of your passport or ID card. Don't forget to make your citizen service number (BSN) and passport photo unreadable. This can be done, for example, by using the KopieID app from the central government. We will respond within four weeks of receiving your message.
Complaints
We do our best to protect your privacy and personal data as best as possible. If you are not satisfied, you can send an e-mail to dpo@dynamiccredit.com or a letter to: Dynamic Credit Management B.V., for the attention of the Data Protection Officer. Frederik Roeskestraat 97 D, 1076 EC Amsterdam. You can also file a complaint with the Dutch Data Protection Authority (Autoriteit Persoonsgegevens: https://www.autoriteitpersoonsgegevens.nl/een-tip-of-klacht-indienen-bij-de-ap).
Changes to this privacy statement
The way your personal data is used may change over time due to changes in laws and regulations or in internal procedures. If so, we will adjust this Privacy Statement. The latest version is always published on dynamiccredit.com/privacy.
The latest version was published on: September 18th 2023.
