(1) Where a credit information company, etc. obtains consent from a credit data subject (hereinafter referred to as "consent to the use of information"; the same shall apply in this Article and Article 34-3) under Articles 15(2), 32(1) and (2), 33(1)2, and 34, it shall notify the credit data subject of the matters prescribed in the relevant provisions in accordance with Articles 15(2), 17(2), and 18(3) of the Personal Information Protection Act (hereafter in this Article referred to as "matters requiring notification") and obtain consent to the use of information; provided, this shall not apply to cases prescribed by Presidential Decree in consideration of the method for consent or the characteristics of personal credit information.
(2) A credit information provider or user prescribed by Presidential Decree shall obtain consent from the individual credit data subject, in consideration of the following:
1. He or she shall use more easy terms or simple and audiovisual means of communication, etc. so that a credit data subject can understand the matters requiring consent to the use of information;
2. Matters requiring consent to the use of information and the establishment, maintenance, etc. of commercial transaction relationship, including financial transactions, shall be clearly separated;
3. He or she shall enable a credit data subject to give a respective consent by categorizing the matters requiring consent to the use of information by a credit information company, etc. or by the purpose of information use (limited to the matters subject to optional consent under Article 32(4)).
(3) Notwithstanding paragraph (1), a credit information provider or user prescribed by Presidential Decree may notify a credit data subject of matters omitting part of the matters requiring notification or the extract of the important matters and obtain consent to the use of information; provided, this shall not apply where an individual credit data subject requests to be informed of all matters requiring notification.
(4) Where the consent to the use of information is obtained after omitting part of the matters requiring notification or by extracting only important matters pursuant to the main clause of paragraph (3), the credit data subject shall be notified of the fact that he or she may separately request the notification of all of the matters requiring notification.
(5) Matters regarding the omission or extract under the main clause of paragraph (3), methods for requests under the proviso of that paragraph and notification under paragraph (4) shall be prescribed by Presidential Decree.[This Article Added on Feb. 4, 2020]