Raiffeisen Bank SA Privacy Notice

Raiffeisen Bank SA processes the data provided by you and received from Raiffeisen Bank International AG to (i) contact you in order to present you with information regarding its products, the possibility of being granted a loan by Raiffeisen Bank SA and the eventual conclusion a contract with the Bank, concerning one or more products from the Bank’s portfolio and (ii) analyze your spending and income profile as provided by you on nicoleknows.io in order to better present you with a financial/credit offer.

The personal data processed by Raiffeisen Bank SA are: name (as provided by you), gender, county, age, monthly net income, number of household members, information regarding expenses, e-mail address, phone number. It all belongs to you (data subject).

If you consent to such activities, Raiffeisen Bank SA might also process your personal data in order to analyze your preferences and other details pertaining to your person and / or behavior, in order to generate personalized offers and communications, also through the use of computer techniques that involve an automated decision-making process (including the creation of profiles) and which can produce legal effects on you  or which they can affect you in a similar way. To this end, to present you with personalized offers as close to your interests as possible, Raiffeisen Bank S.A. may process all or only part of the data you provided directly to Raiffeisen Bank SA or Raiffeisen Bank International AG. Following the preferences thus outlined, Raiffeisen Bank S.A. will bring to your attention offers especially focused on the categories of products and services that may be of interest to you. The processing of the data for this purpose has the benefit of making available to you offers adapted to your needs and interests.

In order to fulfill the processing purposes mentioned above, the bank might also base its processing activities, to the extent necessary, on its legitimate interest in carrying out its object of activity.

In order to fulfill the processing purposes mentioned above, Raiffeisen Bank SA processes the personal data received from RBI for a period of 6 months, unless a legal obligation of retention extends this processing duration. It is also possible that Raiffeisen Bank SA may order anonymization of the data, depriving them of their personal character, and thus continue processing anonymous data for statistical purposes.

Currently, in order to fulfill the above-mentioned purposes, it is possible for Raiffeisen Bank SA to transfer certain categories of personal data:

  1. a) to the following categories of recipients: you, to the extent that you exercise the right of access that you benefit from according to applicable law, representatives of Raiffeisen Bank SA, other natural or legal persons who process personal data on behalf of or together with Raiffeisen Bank SA, the entities of Raiffeisen Group, the contractual partners of Raiffeisen Bank SA, the contractual partners of the entities of the Raiffeisen Group, data processors of Raiffeisen Bank SA, the local / central public authorities, to the extent necessary;
  2. b) outside Romania, in EU/EEA countries: Austria, Germany, Great Britain, Slovakia, Hungary, as well as outside the EU/EEA, to the United States of America.

Raiffeisen Bank SA respects the rights that the applicable law in the field of personal data protection confers on the data subject, respectively the right to information, the right to access data, the right to rectification, the right to delete data (“the right to be forgotten”), the right to restrict the processing, the right to data portability, the right to oppose the data processing, the right not to be subjected to an automatic individual decision, the right to address the National Supervisory Authority for the Processing of Personal Data or the competent courts, as far as which you consider necessary.

The aforementioned rights can be exercised by addressing a written, dated and signed request, at the addresses of any of the Raiffeisen Bank SA units (for the complete list of units, access the page https://www.raiffeisen.ro/retea/) or by sending an e-mail to the Bank in this regard, at the following e-mail address: centrala@raiffeisen.ro.

For complete information on the processing of personal data by Raiffeisen Bank S.A., access or Personal Data and Confidentiality Policy available at: https://www.raiffeisen.ro/despre-noi/politica-de-confidentialitate/

You can also contact our Data Protection Officer, at the following e-mail address: dpo@raiffeisen.ro.