As the authority supervises the conditions offered by financial institutions to users, it has been detected that there are several multiple purpose financial companies (sofomes) that request sensitive data from users, which could fall into the field of abusive clauses.
The Commission for the Protection and Defense of Users of Financial Services (Condsuef), led by Óscar Rosado Jiménez, has reinforced its information campaign so that the public does not give their sensitive personal data to this type of entities, which request them in exchange for the granting of a loan.
“Some financial entities that grant credit and credit cards, through mobile applications (apps) and Internet pages, condition you to deliver sensitive data”, can be read in the information published on networks by the Condusef.
In this context, sources explained that within the surveillance carried out by this organization to the entities of the financial system, it has been detected that all of these financial companies that incur in these practices are sofomes ENR, which have as a common pattern the delivery of low amount loans and remotely.
According to the Condusef, the sensitive personal data, inside a person’s cell phone, that they request in exchange for granting a loan are:
- Phone ID.
- Contact list.
- Camera.
- Microphone.
- Access the photo gallery.
- Entrance to social networks and intimate information.
These practices have been detected in the context of the montadeudas scandal, that is, those entities (among financial and non-financial entities) that grant small loans remotely, with practices of extortion and fraud.
The Condusef recommends not going to entities that condition the delivery of a loan to the delivery of sensitive information.
“Financial entities cannot include or introduce in the operations and financial services that they offer you, conditions that are not related to credit or the conditional card,” Condusef pointed out.
Likewise, he suggested reviewing the contract before signing it, since usually the condition of giving the credit in exchange for providing sensitive personal information is not very visible in the contract or privacy notice or terms and conditions, so that the client don’t see it.
“The purpose of these financial entities is to grant credit and guarantee payment, not to request and/or store sensitive personal data,” said the authority.
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