If stipulated by your agreement or in the case of any other grounds, the Bank may contact mobile operators in order to obtain the customer’s telecommunication behavior ratio. This data is some sort of generalized indicator which the mobile operator gives to mobile number user. The telecommunication behavior ratio does not contain any data on the customer’s telephone calls, their payments, or information on the relations with a mobile operator, however, it is some sort of a generalized assessment of a user. The Bank may obtain and use the telecommunication behavior ratio when evaluating the customer’s solvency, in the case they have applied for credit services. The Bank shall not possess any information on the procedure for generating or determining the telecommunication behavior ratio. You can obtain this information directly from your mobile operator (mobile service provider). Ground for processing: Conclusion and Execution of a Legal Agreement.