As defined under Article (68 bis) b) 1) of the CBB Law, means any information and data related to financial obligations of customers of members of a credit reference bureau. This includes information and data related to all of the customer's debts (liabilities), credit facilities, sale on credit arrangements, sale by instalments, and any other claims due from the customer, along with their due dates, terms and conditions, and guarantees related to such claims, repayment, and the extent of the customers' commitments as well as the data and information related to government claims against the customer in the form of fees, instalments and fines, and any other claims due to government bodies. For this definition, customer means any of the customers of a credit reference bureau whom the credit reference bureau holds credit information as defined under Article (68 bis) b) 3) of the CBB Law.