By choosing to pay by invoice, you confirm your consent to the Privacy terms of payolution and the processing of your personal data. These provisions are provided to you again below for information purposes only.

When choosing to pay by invoice, personal information required to process these payment methods (first name, surname, address, e-mail, telephone number, date of birth, IP address, gender) along with the data required to process the transaction (item, invoice amount, due date, total amount, invoice number, taxes, currency, order date and time of order) will be shared with payolution for the purpose of undertaking risk assessments to meet its regulatory obligations.

In order to verify the identity and/or solvency of the customer, queries and information requests will be shared with publicly accessible databases and credit agencies. Information and, if necessary, credit information on the basis of statistical methods can be requested from the following providers:

• CRIF GmbH, Diefenbachgasse 35, Vienna, 1150, Austria
• CRIF AG, Hagenholzstrasse 81, Zurich, 8050, Switzerland
• CRIF Bürgel GmbH, Leopoldstraße 244, Munich, 80807, Germany
• SCHUFA Holding AG, Kormoranweg 5, Wiesbaden, 65201, Germany
• KSV1870 Information GmbH, Wagenseilgasse 7, Vienna, 1120, Germany
• Creditreform Boniversum GmbH, Hellersbergstr. 11, Neuss, 41460, Germany
• infoscore Consumer Data GmbH, Rheinstrasse 99, Baden-Baden, 76532, Germany
• ProfileAddress Direktmarketing GmbH, Altmannsdorfer Strasse 311, Vienna, 1230, Austria
• Emailage LTD, 1 Fore Street Ave, London, EC2Y 5EJ, the United Kingdom 
• ThreatMetrix, The Base 3/F, Tower C, Evert van de Beekstraat 1, 1118 CL Schiphol, the Netherlands
• payolution GmbH, Columbuscenter, Columbusplatz 7-8, Vienna, 1100, Austria
• Universum Business GmbH, Hanauer Landstr. 164, 60314 Frankfurt am Main, Germany
• SEON Technologies Ltd, Rákóczi út 42, 1072 Budapest, Hungary
• Google Ireland Ltd, Gordon House, Barrow Street Dublin 4, Ireland
• Intrum AG, Eschenstrasse 12, 8603 Schwerzenbach, Switzerland

payolution will share your bank details (specifically the sort code and account number) to SCHUFA Holding AG in order to verify the account number. SCHUFA Holding AG uses this data to verify whether the bank details you provided are plausible. You agree to SCHUFA using these data to verify whether they are stored in their data set and to share the results of this verification with payolution. Further data exchange such as the disclosure of credit information or the transmission of other bank information or the storage of your information in the SCHUFA database will not take place during this account number verification process. For reasons of proof, only the act of verifying the bank information by SCHUFA will be stored.

payolution is also entitled to store, process, use and transmit to the above-mentioned reporting agencies data on any conduct that is in breach of contract (e.g. undisputed outstanding claims).

We are legally required to verify your credit worthiness under the provisions of the Civil Code on funding assistance between merchants and consumers.

In the event of a payment by invoice, we will transmit data regarding the details of this payment transaction (your personal details, purchase price, term of the payment transaction, start of the payment) and the contract terms (e.g. repayment in advance, extension of contract term, repayments made) to payolution GmbH. After assigning the purchase price claim, the Bank to which the claim is assigned will undertake the data transmissions mentioned. We and/or the Bank to which the purchase price claim is assigned shall also report data on events contrary to the contract (e.g. termination of the payment transaction, enforcement measures) to payolution GmbH. In accordance with data protection provisions, these reports may only be made if this is required to safeguard legitimate interests of the contract partners of payolution GmbH or of the general public and your legitimate interests are not compromised thereby. payolution GmbH shall store the data in order to be able to provide its contract partners, who provide payment by invoice and other loan arrangements to consumers on a professional basis, with information to assess the creditworthiness of customers. Companies collecting debts on a commercial basis and which are bound to payolution GmbH by contract may be provided with address information for the purpose of tracing debtors. payolution GmbH shall only provide its contract partners with data if they credibly have a legitimate interest in the data transmission. payolution GmbH shall only transmit objective data without specification to the Bank. Subjective value assessments and personal income and asset information is not contained in information provided to payolution GmbH.

You can withdraw your agreement to having your data processed for the order at any time. The above-mentioned statutory obligations to verify your creditworthiness shall remain unaffected from any such revocation.

By agreeing to this privacy policy, you expressly release the bank from its banking secrecy obligations in accordance with Art. 14 of the Liechtenstein Banking Act, in the event of debt recovery by a debt recovery agency.

You are obliged to provide us only with true and correct information.

Further information about the processing of your personal data can be found in the full Privacy Policy can be found at: https://www.unzer.com/en/privacy-payolution-consumers/

You can also contact the Unzer Group Privacy Officer at: