bunq

Privacy&amp. C ookieStatement, C ontent:,-Personaldata,- C ookies,08-01-2021,Personaldata,NOTI C E:,Weareawareofthejudgmentofthe C ourtofJusticeoftheEuropeanUnion,fromthe16thofJuly2020(​link​).Wearecurrentlyinvestigatingtheimplications,ofthecaseforthetransferofpersonaldatatotheUnitedStatesofAmerica.We,valueyourprivacydearlyandwewilldoourutmosttofindasuitablesolution.,Whenthedusthasclearedregardingthejudgmentandwhenwehavefounda,suitablesolution,wewillinformyou.Inthemeantime,ifyouhaveany,questions,pleasedon’thesitateandcontactusat​privacy@bunq.com​.,1.Introduction,Atbunq,wereallycareaboutyourprivacy.Thismeanswewillneversellorrent,yourpersonaldatatothirdpartieswithoutyourpermission.InthisPrivacy&, C ookieStatementyoucanreadwhatdatawecollectandhowweuseit.,ThedatacontrollerfortheprocessingofyourpersonaldataisbunqB.V.,,registeredattheDutch C hamberof C ommercewithregistrationnumber,54992060.OuraddressisNaritaweg131-133,1043BSAmsterdam,the,Netherlands.,Tomakesurebunqonlyprocessespersonaldatainlinewiththerelevantlaws,andregulations,bunqhasappointedaDataProtectionOfficer(DPO).Ifyou,haveanyquestionsabouttheprocessingofpersonaldataafterreadingour,Privacy&amp. C ookieStatement,youcancontactourDPOvia​privacy@bunq.com​.If,youwanttocancelyourbunqaccountorhaveanyotherquestionsaboutyour,bunqaccount,pleasecontactoursupportviathebunqappor,support@bunq.com​.,2.Whatdatadoesbunqcollect,Openingabunqaccount,Toassessandopenbunqaccounts,wecancollectandprocessthefollowing,personaldata:,●Personalinformation:First-andlastname;date,countryandplaceof,birth;nationality;gender,● C ontactandaddressdetails:Residentialaddress;telephonenumber;,emailaddress,●Socialsecuritynumbersand/orothertaxidentificationnumbers;,● C ounterIBAN;,1,●Devicedata(suchastypeofdevice,operatingsystem,IP-addressesand,advertisingID’s);,● C ookiesandusagedataonhowyouuseourproductsandservices;,● C orrespondencewithbunqandsupportdata(telephone,chat,conversationsandemail);,●Additionaldocumentationrelatedtoopeninganaccount;,●Pictureofanidentificationdocumentmadeinthebunqapp;,●Videoidentificationdata.,Useoftheapp,websitesandotherservices,Whileusingourapp,websitesandotherservices,wecancollectandusethe,followingpersonaldata:,●Accesstoyourcontactlist,●Locationdatavia G PS;,●Uploadedimages/content;,●DevicedataofaddeddevicesandAPI-keys;,●Addedaliases(bunq.mepages,telephonenumbersandemailaddresses);,●Financialandbankingdata,productsubscriptionsandtransaction,history;,● C ookiesandusagedataonhowyouuseourproductsandservices;,●Marketingdata(statisticsrelatedtoourmarketingcampaignsanddatato,measurethis);,● C orrespondencewithbunqandsupportdata(telephone,chat,conversationsandemail);,●ActivityonbunqTogether.,Authenticationmethodsbasedonbiometricaldata,suchasfingerprintscans,,arenotstored,usedorsharedinaformatthatallowsustoreproducethe,biometricaldata.,3.Whatisthelawfulbasisfortheprocessingofmy,personaldata?,bunqprocessesyourpersonaldatainaccordancewiththerelevantlawsand,regulationsbasedonseverallegalgrounds.,Legalrequirements,2,Weprocessyourpersonaldatatocomplywithourlegalobligations,forexample,toverifyyouridentityandtobeabletosharecertaindatawithgovernmental,institutions., C ontractperformance,Tokeepouragreementwithyouandtoprovideourservicesinawellandsecure,manner,weprocessyourpersonaldata.Forexample,weneedyourcontact,informationtokeepyouinformedaboutrelevantdevelopments,andwestore,correspondencedatatoimproveourcustomerservice., C onsent,Becausewevalueyourprivacyandwewantyoutohaveachoice,wewillask,yourexplicitconsentforvariousfeatures.Forexample,whileusingtheappyou,canchoosetoprovideaccesstoyourcontactlist,touploadimages/contentorto,createapublicbunq.melink.,Legitimateinterests,Wecanalsoprocesscertaindatawhenwehavealegitimateinteresttodoso,,forexample,topreventandcombatmisuse,fraudandcrimes,toanalysetheuse,ofourproductsandservicesforthepurposeofimprovingthem,forinformation,andsystemsecuritypurposesorforofferingyouabetteruserexperience.,4.Forwhatpurposesdoesbunqusemypersonaldata?,Weuseyourpersonaldatato:,● C omplywithourlegalobligations;,●Executeagreementswithourusers,forexampleforprocessingpayments,,productionofbunqcards,securingbunqaccounts,identification,purposesandcustomersupport;,●Learnmoreabouttheuseofourproductsandservicessowecanimprove,them;,● C arryoutandpersonalise(targeted)marketingactivitiesthrough,differentchannelsandmeasuretheireffectiveness,basedonyour,personalcircumstancesanduseofourproductsandservices;,● C onductanalysesforstatistical,strategicandscientificpurposes;,●Preventandcombatmisuse,fraudandcrimes;,●Ensurethesafetyandintegrityofthefinancialsector,bunqandourusers;,●Trainingandcoachingpurposes;,●Improveourcurrentandfutureproducts.,5.Doesbunqsharemypersonaldatawiththirdparties?,3,Tobeabletoprovideourservices,wesharecertainpersonaldatawiththird,parties.Wekeepthesharingtoaminimumandensurethatthesethirdparties,willhandleyourpersonaldatawiththesamecareaswedo.Thismeans,among,otherthings,thatwesignDataProcessingAgreementsandthatweusethe,standardcontractclausesadoptedbytheEuropean C ommissionforpersonal,dataprotection.,Anoverviewofthethirdpartiesorcategoriesofthirdpartieswithwhomwe,sharedatacanbefoundbelow.Nexttothisprivacystatement,additional,privacystatementsorpoliciesfromthesethirdpartiesmayapply.,OnfidoLimited,Toverifyyouridentificationdocumentandidentity,weusetheservicesof,third-partysupplierOnfidoLimited(FinsburyAvenue3,E C 2M2PALondon,,UnitedKingdom).,Wise,IfyouwishtousetheservicesofWiseinthebunqapp,weshareyourpersonal,datawithWise(56ShoreditchHighSt,E16JJLondon,UnitedKingdom).This,mayincludeacopyofyouridentificationdocumentforopeningtheaccount.,TeleSign,Inordertoverifyyouridentity,weusetheservicesofthird-partysupplier,TeleSign(13274FijiWaySuite600,MarinadelRey, C A90292,UnitedStates).,adjust G mbH,Toanalysetheuseofourwebsites,productsandservices,andtomeasurethe,effectivenessofour(personalised)marketingcampaigns,weusetechnology,fromadjust G mbH(SaarbrückerStrasse,10405Berlin, G ermany).,Segment.ioInc.,MixpanelInc.,BrazeInc.andLookerDataSciencesInc.,Forbringingtogetherandanalysingthepersonalusagedatafromvarious,sources,includingyouruseofourwebsites,productsandservicesandtocarry,outandmeasuretheeffectivenessofour(personalised)marketingcampaigns,,weusetechnologyfromSegment.ioInc.(100 C aliforniaStreet,SanFrancisco, C A,94111,USA),MixpanelInc.(405HowardStreet,SanFrancisco, C A94105,USA),,BrazeInc.(330W34thStreet,NY10001,NewYork,USA)andLookerData,SciencesInc.(1600AmphitheatreParkway, C A94043,MountainView,USA).,AskNicely,Inordertoreceiveyourfeedbackandtoanalyzeandimprovetheusageofour,services,weusethetechnologyandservicesofAskNicely(63PonsonbyRoad,,Ponsonby1011,Auckland,NewZealand).Forthesepurposes,personaldatais,sharedtoprovideAskNicely’sservices., G oogleLL C ,4,Toofferyousmoothtranslations(onyourrequest)andO C Rrelatedfeatures,(suchasinvoiceandattachmentscanning),weusethe C loudTranslationand, C loudVisionAPI'sfrom G oogleLL C (600AmphitheatreParkway, C A94043,,MountainView,USA).Wealsouse G oogle’s G Suiteservices,inordertoimprove,theservicesweoffertoyou,byenhancingourinformationsecurityand,efficiency. C ontentwillonlybestoredby G oogletemporarily(beforebeing,deleted)toprovidetheservices,and G oogledoesnotclaimanyownershipof,thecontentnordotheyuseitforanyotherpurposesexceptforprovidingthe,requestedservices.,Toverifyyouraddress,assureyourbunqcardsarriveatthecorrectaddressand,forfraudprevention,wealsousetheservicesof G ooglePlacesAPIfrom G oogle,LL C (600AmphitheatreParkway, C A94043,MountainView,USA).Forthese,purposes,locationandusagedataissharedtoprovideandhelpimprovethe,services.Furtherinformationregarding G oogle’sdataprivacypolicycanbe,foundat​https://policies.google.com/privacy​.,Mobilepayments,ToofferyouApplePayand G ooglePayservices,weusethetechnologyfrom,AppleInc(OneAppleParkWay, C upertino, C A95014,USA)and G oogleLL C (600,AmphitheatreParkway, C A94043,MountainView,USA).Whenyoudecideto,usetheseservices,pleasetakenoticeoftheseparatetermsandconditionswith,regardtodatasharing.,MaxMind,Toverifyyourlocation,assureyourbunqcardsarriveatthecorrectaddressand,forfraudprevention,weusethetechnologyofMaxMind(14SpringStreet,MA,02451,Waltham,USA).Forthesepurposes,location,usagedataandyoure-mail,addressissharedtoprovideandhelpimprovetheservices., C ashPaymentSolutions,Toofferyoutheservicesof C ashPaymentSolutionstobeabletodepositand,withdrawcashatvariouslocationswhereavailable,weusetheservicesof C ash,PaymentSolutions G mbH(Wallstr.14a10179Berlin, G ermany).Forthese,purposes,dataissharedsuchaslocationdatainordertoshowyoutheirnearest,locations., C urrence,Fortheuseoftheonlineidentificationtool'iDIN'weusetheservicesof C urrence,( G ustavMahlerplein33-35,1082MSAmsterdam,TheNetherlands). C ertain,personalinformationissharedforthepurposeofverifyingyouridentity.,TapiX,InordertoofferyouthebunqfeaturesInsightsandSubscriptions,wemakeuse,oftheservicesofTapix(Dateios.r.o.,ImpactHubPraha,Drtinova10,Praha5–,Smichov, C zechRepublic).Forthesepurposes,anonymizedpayment,5,informationisshared,forTapiXtoenrichyourtransactionswithdetailsabout,yourpaymentandtoofferyouwithanoverviewofallyoursubscriptions.,Otherparties,●Partiesforproducinganddeliveringbunqcards;,●Email,marketingandadservicesandsocialmediaplatformsfor,managingandexecutingserviceemails,directmarketingemails,,settingupmarketingcampaignsandhelpingustrackusageofour,website;,●SMSprovidersforsendingSMSmessages;,●(Outsourced)customersupportservices;,●Paymentinstitutionsforprocessingtransactionsandsafeguardingthe,safetyandintegrityofthefinancialsector;,●Inordertoprovideyouwith‘bunqDeals’,wemaysharecertain,informationwiththecounterpartythatprovidestheDeal.Wewillonly,sharestrictlynecessaryinformationandwillonlysharedatawhenyou,makeuseoftheDeal;,●Notariesforhelpingyousetupyourcompany.,Thethirdpartieslistedunder‘Otherparties’arelocatedmainlyintheEU.Adata,processingagreementhasbeensignedwitheachofthem.Iftheyarelocated,outsidetheEU,thestandardcontractualclausesprovidedbytheEuropean, C ommissionhavebeensigned., G overnmentalinstitutions,Tocomplywithlawsandregulationswecansharedatawiththeconcerned,institutions.Forexample,theTaxAuthoritiescanrequestfinancialdataandwe,cansharedatawiththeDutch C entralBankforparticipatingintheDeposit, G uaranteeScheme.Nexttothis,bunqcanhaveastatutoryorlegalobligationto,sharepersonaldatawithinvestigatingauthoritiestopreventandcombat,misuse,fraudandcrimes.,Tohelpprotectthebankingsystemandtoassistyouinfilingyourtaxreturns,,wealsoshareyourtaxinformationnumberandthedescriptionofyoursub,accountswiththeTaxAuthorities.,6.Howlongdoesbunqstoremydata?,Weonlykeepyourdataforthetimenecessarytofulfilthepurposeofcollection.,Wearelegallyobligedtoretaincertaindataforaminimumof5to7yearsafter,endingthecustomerrelationship.,Weareabletostorepersonaldataforlongerperiodswithavalidlegalground,,orwhenthedataissufficiently(forexample)pseudonymisedoranonymised.,6,7.Whataremyrights?,Belowwehaveoutlinedtherightsthe G DPRgrantsyouandwhatthismeansfor,youinthecontextofyouractivitieswithbunq.,7,YourrightWhatitmeans,Youhavetherighttobeinformed.Weprovideyouwiththenecessary,informationregardingthecollection,andusageofyourpersonaldata.We,dothisbymeansofthisPrivacy,Statement.,YouhavetherighttoaccesstheIfyoufileadataaccessrequest,we,personaldataweholdaboutyou.willprovideyouwithacopyofallthe,personaldatawehavecollected,aboutyou.Youalsohavetherightto,receivethisinformationinawaythat,isstructured,commonlyusedand,machine-readable.,YoumayrequestthatwedeleteyourWewilldeletethepersonaldatawe,personaldata.havecollectedaboutyou.Wewillonly,deleteyourdataifyouarenolonger,anactiveuserwithus.Furthermore,,Dutchlawrequiresustokeepcertain,informationforupto10years.,YoumayrequestthatwerectifyIfyouspotanythinginyourpersonal,incorrectorincompleteinformationinformationthatiseitherincorrector,aboutyou.incomplete,letusknow!Wewill,changeitassoonaspossible.,YoumayobjecttotheprocessingofWeprocesscertaindataonthebasis,yourpersonaldatabyus.oflegitimateinterest.Inthiscase,you,canobjecttotheprocessing.,Wewillconsideryourrequestand,determinewhetherwehavean,overridingreasontoprocessthedata,you’reobjectingto.Ifthisisthecase,,8.Revoking&limitingconsent,Directmarketing,Ifyoudonotwantyourdatatobeusedfordirectmarketingactivities,youcan,letusknowviathebunqappanytime.Ourcommunicationviaemailalso,containsthepossibilitytounsubscribefromthesemessages., G PSandaccesstoyourcontactlist,Whileusingthebunqapp,youcanprovidepermissiontoyourcontactlistand,toprocesslocationdata.Ifyounolongerwantustouselocationdata,orifyou,nolongerwanttoprovideaccesstoyourcontactlistinthebunqapp,youcan,easilyrevokethesepermissions.Youwillfindthesettingsforthebunqappat,thesettingsforinstalledappsonyourdevice.Youcanrevokeprovided,permissionsatanygivenmoment.,Uploadedimages/content,Imagesandcontentthatyouusetopersonaliseyourbunqaccountorimprove,yourappexperiencecanbeeasilychangedinthebunqapp.,Publicbunq.meprofile,8,wewillrefuseyourrequest.,YoumayaskustorestricttheRestrictionofprocessingmeansthat,processingofyourpersonaldata.wewilltemporarilysuspend,processingofyourpersonaldata.You,canaskustodosoif:,-youcontesttheaccuracyofthe,information;,-ourprocessingisunlawfulbut,youdon’twantustodeletethe,data;,-ourprocessingisunlawful,but,youneedustomaintainthe,informationinconnectiontoa,legalclaim;or,-youhaveobjectedtothe,processingandwe’re,evaluatingyourrequest.,Whenyoucreateapublicbunq.meprofile,yournicknameandIBANarevisible,foranyonethatvisitsyourpublicbunq.meprofileformakingpayments.Youcan,deactivateyourbunq.mepagewiththeaccompanyingdataatanygiventime,viathebunqapp.,Phonenumber,emailaliasesandEasy G reenPlan,Atsignupweconnectyourphonenumberandemailaddresstoyourbunq,accountasaliases.Thisallowsotherbunquserstoeasilytransfermoneytoyour,bankaccount(s),asyourbunqaccount(andIBAN)willshowupintheircontact,list.Youcaneasilydisconnectaliasesfromyourbankaccount(s)viathesettings,oftheselectedbankaccount.,WewillalsoshowotherbunqusersonTogetherthatyouareonanEasy G reen,Plan.Youcanturnthisfeatureoffinthesettingssectionofyouraccount., C ookies,Formoreinformationonhowtodeletecookies,pleaseseeour C ookie,Statement.,Places,ToofferyoubunqPlaces,wewillsharecertaininformationwithyourInner, C ircle.UsersinyourInner C irclewillseewhereyou’vemadeacardpayment.,Theywillnotseewhenyoupaidorhowmuchyoupaid.,Userswhohaveyouralias(seeabove)intheircontactlistwillseethatabunq,userhaspaidataparticularstore,buttheywillnotseewhoexactlymadethe,payment.,SharingthesedataunderPlaceswillonlytakeplaceafteryou’vegivenusyour,consenttodoso.Youcanrevokeyourconsentatanymomentviathebunqapp.,9. C hangestothePrivacy&amp. C ookieStatement,Wearealwaysimprovingandexpandingourproductsandservices.Thismight,causeourdataprocessingtochange.Whenwechangesomething,wewill,adjustourPrivacy&amp. C ookieStatementaccordingly.Youcanalwaysfindthe,latestversiononourwebsiteandintheapp.,10. C omplaints,Whenyouhaveacomplaintaboutthedataprocessingbybunq,youcan,contactourDataProtectionOfficervia​privacy@bunq.com​.,Incaseyoudisagreewiththehandlingofyourcomplaint,youareabletofilea,complaintattheAutoriteitPersoonsgegevens., C ookies,9,1.Whatarecookies?, C ookiesaresmall(text)fileswesendtoyourdevicewhenyouuseorvisitour,products,services,adsandwebsites.Thefilesarestoredonyourdevice.,2.Whydoesbunqusecookies?,Weusecookiesto:,●providebasicfunctionalitiesofourproductsandservices;,●improvetheusabilityofourproductsandservices;,●showyoupersonalisedadsacrossthewebandanalysetheireffectiveness;,●learnmoreabouttheuseofourproductsandservicesbyconducting,analysesforstatistical,strategicandscientificpurposes;and,●managecustomerrelationships.,Wecancombinethedatagatheredfromcookieswithotherdatawehaveabout,you,tolearnmoreaboutyourpersonalcustomerjourney,youruseofour,productsandservicesandtoimproveour(personalised)marketingasdescribed,inthisPrivacy&amp. C ookieStatement.,3. G oogleAnalytics,Forbunq.me,bunq.toandtogether.bunq.com,wehaveconfigured G oogle,Analyticsinaccordancewiththeguidelinesforprivacyfriendlyusefromthe,DutchDataProtectionAuthority(‘Handleidingprivacyvriendelijkinstellenvan, G oogleAnalytics’).Thismeanswe’vesignedadataprocessingagreementwith, G oogle,anonymizeIP-addressesandhavedisableddatasharingwherepossible.,Additionally, G oogleallowsyoutoopt-outfortheiranalyticscookiesvia,https://tools.google.com/dlpage/gaoptout​.,4.HotjarLimitedanalytics,WeuseHotjar(StJulian’sBusiness C entre3,EliaZammitStreet1000,Malta,,Europe)forgatheringanalyticsandanalysingtheuseofourproductsand,services.WehaveconfiguredHotjarforprivacyfriendlyuse,meaningwe’ve,signedadataprocessingagreementwithHotjar,anonymizeIP-addressesand,havedisableddatasharingwherepossible.Hotjarhonours‘DoNotTrack’,browsersettingsandadditionallyallowsyoutoopt-outfortheircookiesvia,https://www.hotjar.com/legal/compliance/opt-out​.,5.Hubspot,Inordertogatheranalyticstoanalysetheuseofourproductsandservices,we,useHubspot(HubspotIrelandLimited, G roundFloor,TwoDockland C entral,, G uildStreet,Dublin,D01R8H7).Wehavesignedadataprocessingagreement,withHubspotinordertoguaranteeittobeprivacyfriendly,andwehave,10,disableddatasharingwherepossible.Inaddition,checkoutHubspot’scookie,policyformoreinformationonhowtheircookiesworkandhowtoopt-outfor,theircookies​​https://legal.hubspot.com/cookie-policy​.,6.HowcanIblockanddeletecookies?,Inadditiontothemeasuresasdescribedinthisstatement,ifyoucaneasily,blockandremoveallcookiesonyourdeviceviatheprivacysettingsofyourweb,browser.,Ifyouwanttopreventnewcookiesfrombeingplacedonyourdevice,youcan,blocktheuseofcookiesviatheprivacysettingsofyourwebbrowser.Youcan,choosetoblockallcookiesoronlycookiesfromspecificwebsites.Pleasenote,thatblockingcookieswillnotautomaticallyremovecookiesthatarealready,storedonyourdevice.,Pleasebeawarethatbyblockingand/ordeletingcookies,ourwebsites(and,possiblyotherwebsites)mightnotfunctionproperly.Witheverynewsession,,newcookieswillbeplacedunlessyouhaveblockedtheuseofcookies.,11