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Combating fraud and misuse

Information on the use of your information to prevent and investigate fraud.

What personal data do we use? 

Unfortunately, fraud and misuse are facts of life when it comes to claims and refund requests and credit card payments. In order to investigate and prevent suspected fraud or abuse, we use information such as your contact details, payment info, card data, and travel information. For credit card payments, we may process all data necessary to complete the transaction, including the IP address, for example.

If you are the holder or booker of an NS Business Card from NS Zakelijk, we may also use your business contact details if possible, which may be provided by the employer.

What do we use your personal data for? 

If we suspect that fraud has occurred while travelling with NS using an OV-chipkaart, we may choose to send a letter requesting that you pay an amount owed, for example. We may also utilise evidence of fraud and misuse to adjust our staffing schedule and conduct more thorough ticket checks. 

The principle for processing the information is: justified interest.

It is in NS' commercial interest to limit fraud as much as possible. We take every precaution to prevent infringements on your privacy. For example, we only use the information necessary, and if less severe measures are available, we will take advantage of them.

With whom do we share this data? 

If the fraud potentially involves a criminal act, we may pass along your information to the investigative agencies, such as the police, to facilitate the investigation and prevention of criminal activity. We may call on third parties to provide IT services.

These third parties process our information solely for our own internal use, and for no other purpose. We have made agreements with these parties pertaining to the processing of personal information.

p>We are authorised to provide your personal information to parties outside the European Economic Community under certain circumstances. In that event, we will take suitable measures with these parties, for example by agreeing to the standard provisions required by the European Commission.

f you fail to meet your payment obligations, we will share your contact details with BOS Incasso to collect the outstanding amount. In the event of (suspected) fraud or misuse involving the NS Business Card, we will share your data with our chain partners Greenwheels and Transvision. For payments via iDeal or credit card, we will share your payment details with third parties for the processing of the transaction and to combat fraud. 

How long do we store your data?

For suspected cases of fraud, we will store your data for a maximum of 3 years from the moment of the last suspicious incident. If fraud is established to have occurred, then we will save the data from the fraud investigation for a maximum of 5 years from the last incident.