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 LOAN APPLICATION:
General Framework
Information of any nature that you provide to QNB Bank A.Ş. (“QNB”) within the scope of your loan application and enables to determine your identity or make your identification ascertainable shall be considered as Personal Data as per provisions of Law on Personal Data Protection (“KVKK”) numbered 6698.
As QNB , we would like to indicate 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 external 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 for Processing, Purposes of Processing
1, ID information (name, surname, TR ID Number, Date of birth etc.) shall be processed:
- Based on the processing condition that is Projected explicitly by law; with the processing purposes of Agreement processes to be carried out, Business activities to be carried out/audited, Service sales processes to be carried out,
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB’s legal obligation; with the processing purposes of Agreement processes to be carried out, Business activities to be carried out/audited, Support services to be carried out after the service sales, Service sales processes to be carried out, Service production and operation processes to be carried out, Risk management processes to be carried out, Suspicious transactions to be detected and reported,
- Based on the processing condition that is Data processing is necessary for the establishment, exercise or protection of a right; with the processing purpose of Deferred collection transactions process to be carried out,
- Based on the processing condition that is Processing of data is necessary for the legitimate interests pursued by QNB, provided that this processing shall not violate the fundamental rights and freedoms of the data subject; with the processing purpose of Suspicious transactions to be detected and reported.
2. Contact Information (mobile phone number, e-mail address, contact address, business address etc.) shall be processed:
- Based on the processing condition that is Explicit Consent; with the processing purpose of Marketing processes of the products/services to be carried out,
- Based on the processing condition that is Projected explicitly by law; with the processing purposes of Agreement processes to be carried out, Business activities to be carried out/audited, Service sales processes to be carried out,
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB’s legal obligation; with the processing purposes of Agreement processes to be carried out, Business activities to be carried out/audited, Service sales processes to be carried out, Support services after the service sales to be carried out, Risk management processes to be carried out, Suspicious transactions to be detected and reported,
- Based on the processing condition that is Data processing is necessary for the establishment, exercise or protection of a right; with the processing purpose of Deferred collection transactions process to be carried out,
- Based on the processing condition that is Processing of data is necessary for the legitimate interests pursued by QNB, provided that this processing shall not violate the fundamental rights and freedoms of the data subject; with the processing purpose of Suspicious transactions to be detected and reported.
3. Professional Experience Information (employment status, educational background, profession etc.) shall be processed:
- Based on the processing condition that is Projected explicitly by law; with the processing purposes of Business activities to be carried out/audited, Service sales processes to be carried out,
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB’s legal obligation; with the processing purposes of Business activities to be carried out/audited, Service sales processes to be carried out, Risk management processes to be carried out, Suspicious transactions to be detected and reported,
- Based on the processing condition that is Processing of data is necessary for the legitimate interests pursued by QNB , provided that this processing shall not violate the fundamental rights and freedoms of the data subject; with the processing purpose of Suspicious transactions to be detected and reported.
4. Finance Information (income, social insurance information, house ownership status, workplace ownership status, etc.) shall be processed:
- Based on the processing condition that is Projected explicitly by law; with the processing purposes of Business activities to be carried out/audited, Service sales processes to be carried out, Agreement processes to be carried out,
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB ’s legal obligation; with the processing purposes of Business activities to be carried out/audited, Service sales processes to be carried out, Service production and operation processes to be carried out, Risk management processes to be carried out, Agreement processes to be carried out, Suspicious transactions to be detected and reported,
- Based on the processing condition that is Processing of data is necessary for the legitimate interests pursued by QNB , provided that this processing shall not violate the fundamental rights and freedoms of the data subject; with the processing purpose of Suspicious transactions to be detected and reported.
5. Transaction Security Information (IP Address, password and code information, phone device information etc.) shall be processed:
- Based on the processing conditions that are Processing of personal data is necessary to comply with QNB ’s legal obligation, Processing of data is necessary for the legitimate interests pursued by QNB , provided that this processing shall not violate the fundamental rights and freedoms of the data subject; with the purpose of Information security processes to be carried out.
6. Customer Transaction Information (communication consent, call center records etc.) shall be processed:
- Based on the processing condition that is Explicit Consent; with the processing purpose of Marketing processes of the products/services to be carried out,
- Based on the processing condition that is Projected explicitly by law; with the processing purposes of Agreement processes to be carried out, Service sales processes to be carried out,
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB ’s legal obligation; with the processing purposes of Agreement processes to be carried out, Business activities to be carried out/audited, Service sales processes to be carried out, Service production and operation processes to be carried out, Risk management processes to be carried out, Suspicious transactions to be detected and reported,
- Based on the processing condition that is Processing of data is necessary for the legitimate interests pursued by QNB , provided that this processing shall not violate the fundamental rights and freedoms of the data subject; with the processing purpose of Suspicious transactions to be detected and reported.
7. Legal Transaction Information (signature etc.) shall be processed:
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB’s legal obligation; with the processing purposes of Agreement processes to be carried out, Business activities to be carried out/audited, Service sales processes to be carried out, Service production and operation processes to be carried out.
8 Risk Management Information (Credit Bureau information, loan history etc.) shall be processed:
- Based on the processing condition that is Projected explicitly by law; with the processing purposes of Service sales processes to be carried out, Risk management processes to be carried out,
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB ’s legal obligation; with the processing purposes of Business activities to be carried out/audited, Service sales processes to be carried out, Service production and operation processes to be carried out, Risk management processes to be carried out.
9. Health Information (information on disability) shall be processed:
- Based on the processing condition that is Explicit Consent; with the processing purposes of Service sales processes to be carried out, Service production and operation processes to be carried out, Following-up of requests/complaints.
10. Visual and Audio Records (photos etc.) shall be processed:
- Based on the processing conditions that are Processing of personal data of the parties of a contract is necessary, provided that it is directly related to the establishment or performance of the contract, Processing of personal data is necessary to comply with QNB ’s legal obligation; with the processing purpose of Service sales processes to be carried out.
11. Marketing Information (Shopping history information etc.) shall be processed:
- Based on the processing condition that is Explicit Consent; with the processing purpose of Business activities to be carried out/audited.
Methods 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/emails to be sent to our Bank, or cookies as you visit our website; by electronic banking channels like Head Office, Regional Offices, Branches, ATMs, Internet Branch, QNB Mobil, 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
Your personal data that you shared with QNB can be transferred to 3rd parties stated below;
- With the purpose of Service production and operation processes to be carried out; to the Suppliers,
- With the purpose of Business activities to be carried out/audited; to the Business Partners such as Mortgage Financing Institution and Wealth Management Company,
- With the purposes of Activities to be carried out in line with the legislation, Authorized persons, organization and institutions to be informed; to the Authorized Public Organizations and Institutions such as BRSA, CBRT, REVENUE ADMINISTRATION, MASAK, Ministry of Treasury and Finance, Credit Bureau, BAT Risk Center,
- With the purpose of Legal transactions to be followed up and carried out; Legal and Administrative Authorities.
Your Rights as the Data Subject and Application to QNB
As the Data Owner, you can submit your requests within the scope of the 11th article of KVKK that “regulates the right of the data subject” in line with the “Communique on Application Procedures and Principles to Data Controller
- 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 Subject’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 of 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 Number: 237525 Mersis No: 0388-0023-3340-0576 Commercial Title: 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
