• Introduction
• Databases NRKI and BRKI
• CRIF S.p.A. and CCB – Czech Credit Bureau, a.s.
• NRKI – content
• BRKI - content
• NRKI Client Center

NRKI represents a database of data on contractual relations between creditor entities and their clients. NRKI is established on the basis of information (data), which the creditor entities provide to LLCB, and which individually or together evidence the financial standing, credibility, and payment history of clients of the creditor entities.

The below mentioned personal data of clients are processed within NRKI:

• identification personal data of clients (i.e. first and last name, maiden name, date of birth, place and country of birth, and permanent address of a client),
• personal identification number of clients (see the section Personal identification numbers);
• personal data evidencing the fact, whether there was/was not a contract concluded between a client (or an applicant – in case of a guarantor) and a creditor entity;
• personal data on financial obligations of clients, which came into existence, will come into existence, or may come into existence with regard to creditor entities in connection to a contractual relation, and on performance of these obligations on part of clients;
• personal data on security of client’s obligations associated with a contractual relation with creditor entities;
• other potential personal data, which might evidence the financial standing, credibility, and payment history of clients, and which clients may communicate to creditor entities, or which the creditor entities may or may have acquired in connection with the performance or nonperformance of the relevant contractual relation with the creditor entities.

Processing (i.e. namely entry and update) of information (data) in NRKI is – in case of clients, physical entities – subject to a provision of consent to processing personal data.

Managing information (data) within NRKI (i.e. without their access to BRKI users) follows the following rules, which do not apply to a mutual exchange of information (data) among creditor entities and banks:

Information (data) are included in NRKI and subsequently processed in the extent, to which it may serve to evaluate the financial standing, credibility, and payment history, and to which a client provided it to any of the creditor entities in connection with a contractual relation, or which might result from a contractual relation throughout its duration (see above the specification of the personal data processed within NRKI).

The content of NRKI is thus mainly made up of basic identification data of clients, data on liabilities of clients, the time perspective of their fulfillment, on their security, etc. (see above the specification of the personal data processed within NRKI). Sensitive personal data of clients – physical entities in terms of the Law on Personal data protection are not processed within NRKI (e.g. data concerning health, etc.).

Information (data) included in NRKI are regularly updated – on monthly basis – and they are kept for the need of mutual informing among creditor entities throughout the term of the contractual relations between creditor entities and their clients and for the period of four (4) additional years upon its termination. In case the requested contract with a client was not concluded, the information (data) are kept in NRKI for the period of six (6) months from filing an application by a client with regard to a conclusion of the relevant contract. Upon an expiration of the relevant period, such information (data) are blocked (i.e. they will be assigned such status that they will not be accessible and it will not be possible to process them) and under no circumstances will they be provided for the purpose of mutual informing of creditor entities; upon an expiration of the blocking period of 5 years, the information (data) will be automatically erased.

The information (data) on contractual relations with clients are provided by creditor entities to LLCB, which processes it further in NRKI, using the system for final automatic processing of data of the Italian company CRIF. In Italy, the data are finally automatically technically processed, which complies with the Law, since the same rules apply in Italy to processing data (personal data of clients – physical entities) as in the Czech Republic.

Such processed information (data) is made accessible by LLCB in the form of credit reports upon the request of creditor entities, which use the services of NRKI, exclusively for the purpose of mutual informing of the creditor entities on the financial standing, credibility, and payment history of their clients.

In compliance with the relevant provisions of the Law on Personal data protection, it is possible to process the personal data of clients – physical entities for the purpose of mutual informing of creditor entities with the consent of the clients only. The entry of personal data in NRKI by one of the creditor entities does not automatically mean that such data shall be freely accessible to other creditor entities – other creditor entities need, once again, a written consent of the relevant client to inquire such data included in NRKI; the principle of the so-called double consent is applied to personal data of clients – physical entities in NRKI.