We need various personal data about you to be able to provide you with quality banking service. For example, when you apply for a loan with us, in addition to your name we need to know the income of your household in order to know how much we can lend you. The personal data we collect can be grouped as indicated below.
Identification data
These mainly include name, surname, date and place of birth, birth registration number, domicile domicile or other address, type, copy of proof of identity, citizenship, or corporate identification number and VAT number in the case of entrepreneurs. Also, your signature belongs to this group.
Other identification data may include, for example, information about the IP address of the computer used, signature specimen, number of the account we maintain, or sets of specific authentication data we may agree to use, as well as information relating to the issued means of electronic identification.
Biometric data
If you open your account online or you wish to reactivate RB Key online, we will also process your biometric data derived from the image of your appearance for the purpose of verifying the match of your appearance with the data acquired from photographs on the submitted copies of personal documents.
Contact details
Telephone number, e-mail address, mailing address or other similar information we need to contact you.
Data required to decide on concluding a contract
These are data that let us evaluate whether you will be able to repay a loan or whether there is a risk of money laundering. These include, among other, the following data:
- socio-demographic data - such as age, gender, marital status, education, number of household members, type of income, nature of employment or also whether you are a politically exposed person
- information about your property - such as information about ownership of real property or movables, membership in legal entities (particularly participations in corporations), information about business relationships, information about overall income or regular expenses of your household,
- information about debts - such as information about executions insolvency proceedings, if any, fulfilment of payment obligations towards other creditors
- information about insurance covering property or life risks
Data created by performance of obligations under contracts
These data include, for example, the term of a contract, interest rate, maturity, loan amount, status of your receivables from the bank, status of the bank's receivables from you, information about realized payment transactions, information about the use of payment tools, information about realized instructions to buy securities, information about the status of your investment instrument portfolio.
An overview of these data can be obtained from statements or similar lists that are available to you.
Personal data collected in connection with the provision of our products or services
These include personal data acquired through our mutual interactions. In particular, these are:
- data serving to secure communications, such as PIN
- geolocation data, such as data about your geographic location, home branch office, place of making a payment order (most often card payment) and data identifying the device used to make a payment order
- electronic records of activities in information systems (logs)
- records of your preferred language for communications
- information about shown interest in a product or service
- information about your investment strategies or specific requirements
- Communication recordings
We monitor and record selected communications with you, in particular telephone calls. We always inform you in advance about any recorded communications. We monitor movement of persons using cameras, particularly in premises where services are provided to clients (including ATMs operated by us). Camera recordings are solely made for the purpose of compliance with legal obligations, conclusion and performance of contracts, and protection of our and your legitimate interests, or interests of third parties.
Application security
Our banking applications (in particular, Mobile Banking, RB Key and Raiffeisen mobile investing) and tools may contain antimalware/antivirus detection and detection of amended administrator rights (root/jailbreak) to determine if the device, from which you access our applications or tools, is secure or has been affected by a virus risk. These tools collect and then process information about the device security setting (e.g. deactivated screen lock, etc.), information about the integrity of the application and operating system (e.g. modified administrator rights [root/jailbreak]; start in emulator, use of hooking framework, etc.), device information (e.g. device model, anonymous device identifier to check whether the application is run on the same device as originally installed), metadata of potentially harmful applications and setting of notifications. The above-mentioned data are processed in order to prevent fraud, ensure user security, comply with legislation, and conduct analysis for the purposes of improving security and evaluating potential threats.
Personal data generated from our activities
These particularly include the client/product numbers we assign, data created by assessing your transaction behaviour or data you provide (such as to evaluate whether the conditions to apply discount on a fee have been met), evaluation of a submitted product or service application, or evaluation required for our decision as to whether we will offer a product or service to you or not.