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This is a multipart message in MIME format. ------=_NextPart_000_010A_01DCEDDC.80C4EE50 Content-Type: text/plain; charset="Windows-1252" Content-Transfer-Encoding: 8bit Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga. Tundmatu saatja korral palume linke ja faile mitte avada. Lugupeetud Andmekaitse Inspektsioon Palume AKI seisukohta õigusselguse huvides olukorras, kus ettevõte, kellele ei kohaldu KAVS ega vastutustundliku laenamise põhimõte (st tegemist ei ole krediidiandjaga), kontrollib erakliendi maksekäitumist kolmanda osapoole (Maksehäireregister) andmebaasist ning päringu tulemusel otsustatakse kliendiga lepingu sõlmimine. Vastavalt IKS seletuskirjale on finantssektori ettevõtjatel krediidivõimelisuse hindamisel selgelt avalik-õiguslik kohustus, see tähendab isikuandmete töötlemiseks on seaduslik alus ka valdkondlikes seadustes (eelkõige KAVS). Küsimus: Kas IKS §10 annab mitte-finantssektori ettevõtjale õiguse Maksehäirete registri (MHR) päringuid teha ilma kliendi selgesõnalise nõusolekuta? Täiendav küsimus: Kas tegemist on automaatse otsusega (IKÜM art 22)? Kas olukorda, kus ettevõtte süsteem kontrollib taustal krediidiinfoandmebaasist kliendi maksehäireid ja keeldub saadud „jah/ei“ vastuse põhjal kliendile automaatselt soodustuse või lepingu pakkumisest (ilma töötaja vahelesegamiseta), tuleb mh näiteks Euroopa Kohtu Schufa otsuse valguses käsitleda IKÜM-i artikli 22 kohase automaatse otsusena? Täiendav küsimus: Kui eeltoodud kirjeldus on "automaatne otsus", kas saab tugineda „lepingu täitmise vajalikkusele“ (Art 22 lg 2 p a)? Kui tegemist on IKÜM artikli 22 kohase automaatse otsusega, siis kas olukorras, kus kliendil on tegelikult alternatiiv- ta saaks teenust tarbida ka ilma kontrollita, kui ta ostaks lepingu kohe välja või valiks ettemaksuga lepingu on tegemist lepingu täitmiseks vältimatult vajaliku toiminguga (kui seadusandlikku kohustust kliendi maksehäiret kontrollida ei ole?). Täiendav küsimus: Kas nõusolek on kohustuslik või piisab privaatsuspoliitikast? Kas eeltoodut arvesse võttes (ja IKÜM art 22) on juriidiliselt korrektse protsessi tagamiseks seega kohustuslik: * küsida kliendilt enne iga sellise kolmanda osapoole andmebaasi päringu tegemist (mille vastusega kaasneb otsus) selgesõnalist nõusolekut; * või on siiski lubatav teha seda kontrolli taustal lepingueelse meetmena, kirjeldades töötlemist privaatsuspoliitikas? Küsimus on ajendatud ka asjaolust, et maksehäirete töötlemisega seotud juhend on uuendamisel. Lugupidamisega ning ettetänades Kristi Rosenblatt Jurist / Lawyer Äriturvalisuse- ja juriidiliste suhete osakond +372 534 65888 Tele2 Eesti AS Aadress: Valukoja 8, 11415 Tallinn, Eesti www.tele2.ee ******** IMPORTANT NOTICE ******** The content of this e-mail is intended for the addressee(s) only and may contain information that is confidential and/or otherwise protected from disclosure. If you are not the intended recipient, please note that any copying, distribution or any other use or dissemination of the information contained in this e-mail (and its attachments) is strictly prohibited. If you have received this e-mail in error, kindly notify the sender immediately by replying to this e-mail and delete the e-mail and any copies thereof. Tele2 AB (publ) and its subsidiaries (“Tele2 Group”) accepts no responsibility for the consequences of any viruses, corruption or other interference transmitted by e-mail. ------=_NextPart_000_010A_01DCEDDC.80C4EE50 Content-Type: text/html; charset="Windows-1252" Content-Transfer-Encoding: quoted-printable

T=E4helepanu! Tegemist on = v=E4lisv=F5rgust saabunud kirjaga.
Tundmatu saatja korral palume = linke ja faile mitte = avada.

Lugupeetud Andmekaitse Inspektsioon
Palume AKI seisukohta =F5igusselguse huvides olukorras, kus ettev=F5te, = kellele ei kohaldu KAVS ega vastutustundliku laenamise p=F5him=F5te = (st tegemist ei ole krediidiandjaga), kontrollib erakliendi = maksek=E4itumist kolmanda osapoole (Makseh=E4ireregister) andmebaasist ning p=E4ringu tulemusel otsustatakse kliendiga lepingu = s=F5lmimine.
Vastavalt IKS seletuskirjale on finantssektori = ettev=F5tjatel krediidiv=F5imelisuse hindamisel selgelt = avalik-=F5iguslik kohustus, see t=E4hendab isikuandmete t=F6=F6tlemiseks = on seaduslik alus ka valdkondlikes seadustes (eelk=F5ige KAVS).
K=FCsimus:
Kas IKS =A710 annab mitte-finantssektori ettev=F5tjale =F5iguse = Makseh=E4irete registri (MHR) p=E4ringuid teha ilma kliendi = selges=F5nalise n=F5usolekuta?
T=E4iendav k=FCsimus: Kas tegemist on automaatse otsusega (IK=DCM art = 22)?
Kas olukorda, kus ettev=F5tte s=FCsteem kontrollib taustal = krediidiinfoandmebaasist kliendi makseh=E4ireid ja keeldub saadud = =84jah/ei=93 vastuse p=F5hjal kliendile automaatselt soodustuse v=F5i = lepingu pakkumisest (ilma t=F6=F6taja vahelesegamiseta), tuleb mh = n=E4iteks Euroopa Kohtu Schufa otsuse valguses k=E4sitleda IK=DCM-i artikli = 22 kohase automaatse otsusena?
T=E4iendav k=FCsimus: Kui eeltoodud kirjeldus on "automaatne = otsus", kas saab tugineda =84lepingu t=E4itmise vajalikkusele=93 = (Art 22 lg 2 p a)?
Kui tegemist on IK=DCM artikli 22 kohase automaatse otsusega, siis kas = olukorras, kus kliendil on tegelikult alternatiiv- ta saaks teenust = tarbida ka ilma kontrollita, kui ta ostaks lepingu kohe v=E4lja v=F5i = valiks ettemaksuga lepingu on tegemist lepingu t=E4itmiseks v=E4ltimatult vajaliku toiminguga (kui seadusandlikku kohustust kliendi = makseh=E4iret kontrollida ei ole?).
T=E4iendav k=FCsimus: Kas n=F5usolek on kohustuslik v=F5i piisab = privaatsuspoliitikast?
Kas eeltoodut arvesse v=F5ttes (ja IK=DCM art 22) on juriidiliselt = korrektse protsessi tagamiseks seega kohustuslik:
  • k=FCsida kliendilt enne iga sellise kolmanda osapoole andmebaasi = p=E4ringu tegemist (mille vastusega kaasneb otsus) selges=F5nalist n=F5usolekut;
  • v=F5i on siiski lubatav teha seda kontrolli taustal lepingueelse = meetmena, kirjeldades t=F6=F6tlemist privaatsuspoliitikas?
K=FCsimus on ajendatud ka asjaolust, et makseh=E4irete t=F6=F6tlemisega = seotud juhend on uuendamisel.
Lugupidamisega ning ettet=E4nades
Kristi Rosenblatt

Jurist = / Lawyer

=C4riturvalisuse- ja juriidiliste suhete osakond

+372 = 534 65888

 

Tele2 = Eesti AS

Aadress: Valukoja 8, 11415 Tallinn, Eesti

www.tele2.ee

 



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The content of this e-mail is intended for the addressee(s) only and may = contain information that is confidential and/or otherwise protected from = disclosure. If you are not the intended recipient, please note that any = copying, distribution or any other use or dissemination of the information contained in this e-mail (and its = attachments) is strictly prohibited. If you have received this e-mail in = error, kindly notify the sender immediately by replying to this e-mail = and delete the e-mail and any copies thereof.

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