Register of creditors and peer-to-peer loan brokers

The Regional State Administrative Agency for Southern Finland maintains a register of providers of consumer credit and peer-to-peer loans.

The processing of your personal data is based on Article 6 (1)(c) of the EU General Data Protection Regulation (EU 2016/679), i.e. processing required compliance with the Regional State Administrative Agency’s statutory obligation.

Act on the Registration of Certain Credit Providers and Credit Intermediaries (853/2016), sections 2 and 3.

1. a private entrepreneur’s full name and personal identity code or, if the person does not have this, their date of birth, business name, auxiliary business name (if any), business ID or another corresponding identifier and the street addresses of the offices where the credit provision or peer-to-peer loan brokering takes place;
2. a legal person’s business name, auxiliary business name (if any), business ID or another corresponding identifier and the street addresses of the offices where the credit provision or peer-to-peer loan brokering takes place;
3. whether the trader is a creditor or a peer-to-peer loan intermediary and, if they are a creditor, whether the trader also grants consumer credits related to residential property covered by Chapter 7 a of the Consumer Protection Act or brokers peer-to-peer loans;
4. the full name and personal identity code or, in the absence thereof, the date of birth of the persons whose trustworthiness was established when processing the notification;
5. the full name and personal identity code or, in the absence thereof, the date of birth of the persons whose knowledge of the credit services was established when processing the notification;
6. information on whether the creditor or peer-to-peer loan provider is entitled to receive client funds;
7. date of registration;
8. warnings issued to the creditor or peer-to-peer loan provider pursuant to section 17, subsection 2, and notices and prohibitions that have been reinforced with a conditional fine;
9. reason and time it was removed from the register.

Information on those for who are prohibited from providing consumer credit or peer-to-peer loans without registration referred to in section 17, subsection 1 is also entered in the register.

The trader’s own notification.

No regular disclosure of data.

Personal data are not transferred outside the EU or the EEA.

Personal data is stored as long as the company is in the register. The data will be deleted when the company declares that it has terminated its operations.

Processed data in the register has been protected from inappropriate viewing, modification and destruction. The protection is based on user authorisation management, the technical protection of databases and servers, the physical protection of facilities, access control, the protection of data communication and the backup of data. The right to access and process data is granted based on tasks. Access to the systems is based on personal usernames. We use administrative controls to monitor the appropriateness of our activities. 

The processing of your personal data also does not involve automatic decision-making or profiling.

The tasks of the Regional State Administrative Agencies referred to in this notification have been centralised nationally to one Regional State Administrative Agency, which is responsible for the processing of your personal data as the controller. 

The controller in accordance with this notification is: 

Regional State Administrative Agency for Southern Finland
Area of jurisdiction: all of Finland
Visiting address: Wähäjärvenkatu 6, Hämeenlinna
Postal address: P.O. Box 1, 13035 AVI
Switchboard: +358 295 016 000
Registry office: kirjaamo.etela(at)avi.fi

Regional State Administrative Agency for Southern Finland
Visiting address: Wähäjärvenkatu 6, Hämeenlinna
Postal address: P.O. Box 1, 13035 AVI
Switchboard: +358 295 016 000
Registry office: kirjaamo.etela(at)avi.fi

Right to be informed of the processing of personal data 

You have the right to know what we use your information for and how. 

The aim of this notification is to give you an overall idea of the processing of personal data that is the subject of this notification at the Regional State Administrative Agency. If you feel that this notification does not give you the overall idea we are aiming to provide, we have failed in our goal. In this case and whenever you have questions about the processing of personal data by Regional State Administrative Agencies, you can contact the Data Protection Officer for the Regional State Administrative Agencies (see contact details below).

Right to access to your personal data 

You can request and receive a copy to your personal data that we have in our register by sending a signed information request form by letter or email to the Regional State Administrative Agency's registry. We will implement your request unless we have a legitimate reason to refuse realising your rights.

You have the right to receive information about whether we process your personal data in our activities. If we do not process your personal data, you have the right to be informed about this as well.

Form: Request to access personal data (in Finnish)

Send a written request to the Regional State Administrative Agency’s registry.

Right to request that inaccuracies be corrected and missing information be added 

If you notice any omissions or inaccuracies in your personal data, you have the right to request that we update these. In such a case, we ask that you indicate which information is incorrect and how the information should be changed or which information should be supplemented and how. 

Form: Request for the correction of inaccurate personal data and to restrict the use of personal data (in Finnish)

Send a written request to the Regional State Administrative Agency’s registry.

Restricting the use of your information 

If you believe that the information we are processing that concerns you is incorrect, that it is being processed unlawfully, or you oppose the processing of your information, you may ask us to restrict the processing of your information.  

Form: Request for the correction of inaccurate personal data and to restrict the use of personal data (in Finnish)

In that case, we can only process your data 

• with your consent 
• if we need the data for the purpose of establishing, submitting or defending a legal claim 
• in the public interest 
• to protect the rights of another person. 

If we limit the processing of your data on the basis of your request, we are obligated, as far as possible, to notify all those to whom the data was previously disclosed. 

Send a written data restriction request to the Regional State Administrative Agency’s registry. 

Right to object to the processing of personal data 

You have the right to object to us processing your personal data. You can do so at any time giving reasons related to your specific personal situation.

In that case, we will no longer be allowed to process your personal data unless there is a significant and substantiated reason that supersedes your interests, rights and freedoms, or if the processing of the data is necessary to establish, present or defend a legal claim. 

Send your written and justified request to the Regional State Administrative Agency's registry. 

If you believe that your personal data has been processed in a manner that is violated to the law, you can file a complaint or complain to the Office of the Data Protection Ombudsman about the processing of your data. However, we recommend that you first contact the Regional State Administrative Agencies' Data Protection Officer (see contact details below).

Contact information for the Data Protection Officer and further information on data protection
Office of the Data Protection Ombudsman