Privacy Statement
We process your personal data with care.
Section 01
Banque B Privacy Statement
Banque B prioritizes transparency. We are happy to explain how and why we collect, use, and protect your personal data. We act in accordance with current data protection regulations, specifically the General Data Protection Regulation (GDPR).
This statement applies to all personal data we process when you use our services, visit our websites, use the mobile app, or interact with us in any way. It also explains your rights regarding your information and how to exercise them.
We take your privacy very seriously and encourage you to read this privacy statement carefully to understand how we manage your personal data. All terms with a specific definition used in this statement are italicized and explained in the glossary.
Banque B may revise and amend this privacy statement from time to time.
Section 02
Your personal data
When you request a product or service, or contact us, we want to help you quickly and efficiently. To do this, we need to know your identity. We use certain personal data for this purpose.
What is personal data?
Personal data is information concerning a natural person that allows them to be identified directly or indirectly. Many types of information are considered personal data, including names, contact details, national identification numbers, geolocation data, or online data such as cookies. This includes digital and paper information we keep.
What does 'processing personal data' mean?
Processing personal data includes all operations that can be performed on this information, such as collection, storage, consultation, sharing, transfer, and data analysis.
Section 03
Who is responsible for your personal data?
Banque B is the controller responsible for processing your data. To learn more about us and contact us, please visit our website.
We have appointed a Data Protection Officer (DPO) to ensure your data is protected in accordance with the GDPR. Do you have a data protection question not covered on our website? Or would you like more information? Please contact our DPO at info@banque-b.com.
Section 04
What personal data does Banque B process?
Banque B may process different types of personal data. The data processed depends on our relationship and the products you purchase from us.
Below is the complete list of the types of personal data we process.
Personal Information
Information about you. This includes your first and last name, date, country and city of birth, nationality, and signature.
National Identification Numbers
A number or code received from the government to identify you. This may be your ID number or Citizen Service Number.
Contact Details
Information on how we can contact you, such as your address, phone number, and email address.
Communication Preferences and Consent
Your choices regarding how and when we communicate with you, such as your preferences for receiving our newsletters.
Contractual Information
Information about the products and services we provide to you, such as contract numbers and product types.
Financial and Transactional Information
Information about your use of our products, such as your bank account number, transaction history, and payees/remitters.
Account Access and Technical Data
Information relating to your use of online and mobile banking services. This includes your geographical location, cookie information, IP address, device information, and services used.
Customer Interaction Data
Information relating to your communications with us, such as recordings, summaries, or transcripts of phone calls and chat messages.
Socio-demographic Data
Information regarding your personal and economic situation, such as employment details, household composition, financial status, and other general information.
Data from External Sources
We also receive information from third parties, for example, data from the land registry, trade register, or public sources such as bankruptcy registers, credit agencies, the press, or the Internet.
Visitor Information
Information we receive when you visit one of our offices, such as your license plate number or security camera recordings.
Special Categories of Personal Data
Under the GDPR, certain sensitive personal data is considered 'special categories of personal data'. This includes information about health, political opinions, or sexual orientation. Biometric data, such as facial recognition and fingerprints, is also included.
Banque B processes this sensitive personal data when legally required or when there is a compelling public interest. For example, we collect biometric data when asking for a photo or recording of your ID or face.
Section 05
Why is your personal data necessary?
When you apply for a product or service from Banque B , you must provide personal data. This allows us to process your request and provide the product or service. Before providing services, we conduct checks to prevent fraud and money laundering and confirm your identity.
If you choose not to provide your personal data
If you choose not to provide required personal data or limit its processing, we may not be able to fulfill our contractual or legal obligations. This could lead to the cancellation of your products or the termination of our contract.
Processing Based on Consent
For some of our services, we process your data based on your consent. You can withdraw your consent at any time. In this case, you will no longer receive those specific services, but it will not affect your other contracts.
Section 06
How do we use your personal data?
Lawful Basis for Processing
The GDPR only allows personal data processing if one or more conditions are met. The four bases used by Banque B are:
What is your personal data used for?
Marketing Communications
We will occasionally send you information about our products and services. You can choose which communications to receive or unsubscribe via the link in the emails.
Marketing data includes information you provide and data we collect from service usage. We only use it if we have a legitimate interest or your consent.
Section 07
How do we obtain your personal data?
You provide most personal data yourself. We also receive data from third parties we collaborate with.
Data you provide to us
- Product/service applications
- Contacts (phone, chat, email)
- Website/app usage
- Newsletter subscription
- Participation in surveys
Third-party data
- Partner companies
- Card providers (e.g., VISA)
- Credit reference agencies
- Public sources (registers)
- Fraud prevention agencies
Section 08
Cookies
If you authorize us, we collect data from your devices to track online activity. We use cookies for essential features, site improvement, and marketing support.
For more information, see our cookie policySection 09
Automated decision-making
When you apply for a product or service via our website or mobile app, much of the decision-making process is automated. We use our own systems as well as those of third-party providers for this purpose. This allows us to make fast, fair, efficient, and accurate decisions.
Good to know: at Banque B , no decision is made solely by automated systems. A human always intervenes to review it.
Types of automated processing
Identity verification, eligibility, credit history.
Risk assessment, financing capacity.
Activity analysis to identify needs.
Monitoring transactions to detect risks.
Artificial Intelligence (AI) Policy
Our approach to AI systems is guided by ethical principles prioritizing human dignity, equality, and responsibility. We ensure data is collected exclusively for intended purposes and maintain human oversight on all AI processing.
Section 10
Who do we share your personal data with and why?
Banque B only shares your data if there is a legal basis. We treat all personal data as private and confidential. We do not share information with anyone except:
Parties we may share data with:
Organizations outside the European Economic Area (EEA)
Our guiding principle is not to share data outside the EEA. When necessary, we ensure the same level of protection as within the EEA (EU standard contractual clauses).
Section 11
Personal Data Security
Your data is processed in secure data centers using industry-standard security (firewalls, MFA, access controls).
Section 12
How long do we keep your data?
We use your data while you are a customer. If you leave, we retain it for as long as legally required (generally up to 10 years).
Section 13
What are your rights and how to exercise them?
Protecting this information is our priority. You retain control over your data.
Right of access
Knowing what data we hold.
Right to rectification
Correcting errors or inaccuracies.
Right to erasure
Requesting deletion if data is no longer necessary.
Right to restriction of processing
Limiting use in certain circumstances.
Right to data portability
Receiving your data in a readable format.
Right to object
Objecting to direct marketing or legitimate interest.
How to exercise your rights
Please contact us to exercise your rights. You can find our contact details on our
contact pageRight to lodge a complaint
Please contact us first if you have questions. You can file a complaint by emailing info@banque-b.com. You also have the right to lodge a complaint directly with the Data Protection Authority.
Section 14
Glossary of technical and legal terms
General Data Protection Regulation. The EU regulation governing the processing of personal data.
Any natural person whose personal data is processed.
Sensitive categories such as health, biometrics, or political opinions requiring extra protection.
The entity that determines the purposes and means of personal data processing.
Legal basis allowing data processing for business interests, provided it does not infringe on the data subject's rights.
