For the purposes stated in sub-paragraph 4, we may process and evaluate your data (sub-paragraph 3) automatically, i.e. in a manner supported by computer, as well as to determine the security and reputational risks, the risk of abuse, to carry out statistical analyses or for operational planning purposes. These processing operations also include profiling.
Profiling is the automated processing of data for analysis and forecasting purposes. The most important examples are profiling for combatting abuse, for determining security and operational risks, for servicing customers and for marketing purposes (as described in more detail in sub-paragraph 4).
In every case we pay attention to the appropriateness and reliability of the results and take measures against the misuse of profiling. In the compulsory area this data processing is subject not only to the Data Protection Act but also legislation concerning occupational pensions.
In order to ensure the efficiency and uniformity of our decision-making processes, we can also automate certain decisions, i.e. make these with the aid of a computer according to certain rules and without review by an employee. These may, for example, include decisions about concluding a contract, terminating a contract or risk exclusions.
In each individual case, we will inform you or indicate the decision accordingly if an automated decision has been made which creates negative legal consequences or a comparable significant impairment for you. In this case, you shall have the rights set out in sub-paragraph 10 if you do not agree with the outcome of the decision.