DEAR CUSTOMER, WE WOULD LIKE TO INFORM YOU REGARDING THE LAW ON THE PROTECTION OF PERSONAL DATA FOR PROCESSING YOUR PERSONAL DATA WITHIN THE SCOPE OF YOUR APPLICATION FOR LIMIT AND USES FOR YOUR BUSINESS OWNED BY REAL PERSON:
General Framework
Information of any nature that you provide to QNB Bank A.Ş. (“QNB ”) within the scope of your credit application and enables to determine your identity or make your identification ascertainable shall be considered and defined as Personal Data as per provisions of Law on Personal Data Protection (“KVKK”) numbered 6698.
As QNB, we would like to inform you that we carry out our operations by giving priority to security of your personal data in all products and services provided to you and by attaining utmost care to security of your personal data; we take measures of highest level to protect integrity and accuracy of your personal data; and we make sure that all organizations from which we receive support or outsource services and/or with which we have business partnership comply with our standards set forth for information security and privacy.
It is our fundamental principle to use your personal data for your banking transactions and protect your fundamental rights and freedoms as well as privacy of your private life.
As QNB , we always make sure that your personal data which is shared by you via our website or collected by means of cookies*, as you visit our website (for details on our policies for cookies, please see https://www.qnb.com/destek/gizlilik-politikasi) is always stored securely we do not disclose your personal data to third parties except for the ones included and required by legal framework. Personal data of any nature that you share with QNB shall be treated as a secret, and they shall not be disclosed.
Your Processed Personal Data, Conditions to Process and Purposes to Process
1. ID Information (Title, name, surname)
The personal data shall be processed:
- with the aim of Service sales processes to be carried out, Service production and operation processes to be carried out, Business activities to be carried out/audited on the grounds that applicable laws projects explicitly so,
- with the aim of Authorized persons, organization and institutions to be informed, Risk management processes to be carried out, Legal processes to be carried out, Deferred collection transactions to be carried out on the grounds of fulfilling legal obligations of QNB,
- with the aim of Legal processes to be carried out, Deferred collection transactions to be carried out on the grounds of that processing is obligatory to establish, exercise or reserve a right.
2. Contact Information (mobile phone number)
The personal data shall be processed
- with the aim of Service sales processes to be carried out, Service production and operation processes to be carried out, Business activities to be carried out/audited, Deferred collection processes to be carried out on the grounds that applicable laws projects explicitly so,
- with the aim of Legal processes to be carried out, Deferred collection transactions to be carried out on the grounds of that processing is obligatory to establish, exercise or reserve a right.
3. Customer Transaction Information (account no)
The personal data shall be processed:
- with the aim of Legal processes to be carried out, Risk management processes to be carried out, Contractual processes to be carried out, NPL processes to be carried out, Service production and operation processes to be carried out, Business Operations to be carried out/be audited on the grounds that applicable laws projects explicitly so,
- with the aim of Risk management processes to be carried out on the grounds of fulfilling legal obligations of QNB ,
- with the aim of NPL processes to be carried out on the grounds of that processing is obligatory to establish, exercise or reserve a right.
4. Legal Transaction Information (signature etc.)
The personal data shall be processed:
- with the aim of carrying out risk management processes, on the grounds that applicable laws projects explicitly so.
5. Risk Management Information (real estate information, collateral information, Credit Bureau information, Market Intelligence, etc.)
The personal data shall be processed:
- with the aim of Service sales processes to be carried out, Risk management processes to be carried out, Service production and operation processes to be carried out, Contractual processes to be carried out, Business activities to be carried out/audited, Legal transactions to be carried out, NPL processes to be carried out on the grounds that applicable laws projects explicitly so,
- with the aim of Risk management processes to be carried out, Service sales processes to be carried out, Authorized persons, organization and institutions to be informed on the grounds of fulfilling legal obligations of QNB,
- with the aim of NPL processes to be managed on the grounds of that processing is obligatory to establish, exercise or reserve a right.
Method of Collecting the Personal Data
As from the moment of establishing this relationship with the Bank and/or as long as such legal relationship remains, your personal data shall be collected, as per the Banking Law numbered 5411 and other relevant legislations to which banks are subject, by following means that are wholly or partly automatic or non-automatic on the condition of being part of a data registry system: by all contracts/information forms and similar documents related to banking transactions obtained with your approval and/or signature; by your notifications to the Bank via electronic approval and/or e-signature, or SMS/email to be sent to our Bank, or cookies as you visit our website; by electronic banking channels like Head Office, Region Offices, Branches, ATMs, Internet Branch, QNB Mobile, on-site teams, Solution Center, Kiosk, etc., and via databases of government agencies and institutions upon your approval where necessary by law (Identity Sharing System (ISS), Banks Association of Turkey, Risk Center, MERNIS, Credit Bureau, etc.); by various means apart from QNB.
Transfer of Personal Data
Personal data you shared with QNB shall be transferred:
- to Suppliers with the aim to Service production and operation processes to be carried out, Deferred collection transactions to be carried out, NPL processes to be carried out,
- to Business Partners such as Wealth Management Companies, Credit Guarantee Funds with the aim of NPL processes to be carried out, Deferred Collection processes to be carried out, Risk management processes to be carried out, Service production and operation processes to be carried out;
- to Authorized Institutions and Agencies such as CBRT, Credit Bureau, BAT Risk Center with the aim of Service production and operation processes to be carried out, Service sales processes to be carried out, Deferred collection transactions to be carried out, NPL processes to be carried out, Risk management processes to be carried out, Activities to be carried out in line with the legislation, Authorized persons, organization and institutions to be informed;
- and to Legal and Administrative Authorities with the aim of following up and carrying out legal affairs.
Your Rights as the Data Owner and Application to QNB
As the Data Owner, you can submit your requests within the scope of the 11th article of Law on Protection of Personal Data no.6698 that “regulates the right of the data owner in line with the “Communique on Application Procedures and Principles to Data Supervisor
- by using Application Form which can be obtained from the branches of QNB or by providing a letter along with documents proving identity (identity card, driving license, passport, etc.) by personal application
- by means of secure electronic signature, mobile signature or registered electronic mail address which has been notified earlier to the Bank and is available in the systems of QNB
With regard to requests,
- Data Owner’s name, surname and signature, if the request is made in written,
- TR ID number if the applicant is citizen of Turkey Republic; citizenship of the applicant if a foreigner; passport number or ID number if available,
- Domicile or workplace address to send notifications,
- Electronic mail address, telephone and facsimile to send notifications,
- The subject of the request
must be stated; and related information and documents must be enclosed to the request. These applications shall be accepted after your identity is confirmed by QNB and you shall be informed in written or via electronic media within the legal durations.
In written application, the submission date of the document to QNB is deemed as the application date. In the event that the applications are submitted by other methods, the date of receipt by QNB shall be deemed as the application date
Trade Registry No: 237525 Mersis no: 0388-0023-3340-0576 Trade name: QNB Bank A.Ş. Head Office Address: Esentepe Mahallesi, Büyükdere Caddesi, Kristal Kule Binası, No: 215 Şişli/Istanbul Website address: www.qnb.com.tr Telephone Banking: +90 850 222 0974
