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As a credit institution subject to banking secrecy, Banque Delubac & Cie (hereinafter referred to as the “Bank”) ensures the confidentiality of the information provided to it.
Therefore, in the context of our relationship, your personal data shall be handled with close attention. This personal data protection policy describes the commitments implemented by our bank, as controller, to ensure the protection of your personal data. The purpose of this document is also to inform you of the way your personal data is collected and used throughout your relationship with our bank.
This policy, which complies with Regulation (EU) 2016/679 of the European Parliament and of the Council dated 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (hereinafter referred to as “GDPR”), applies uniformly to all the products and services we offer and includes any natural person in connection with the Bank (client, prospective client, legal representative or an actual beneficiary of a legal entity...).
The Bank makes sure it collects only the personal data that is strictly necessary for the purpose for which it is processed.
All personal data is mainly obtained directly from you (in agencies, by phone, letter or e-mail, Internet...). However, the Bank may be required to process data obtained from third parties such as Banque de France when consulting the National Register of Incidents of Repayment of Credits to Individuals (FICP) or the Fichier Central des Chèques (FCC) in particular to meet its regulatory obligations or, with your consent, in connection with the use of certain services.
The different categories of personal data that the Bank usually processes as part of its banking business and in accordance with its regulatory obligations include the following:
The purpose of processing is defined as the desired objective, the need it meets for the Bank. The processing operations carried out have an explicit, legitimate and determined purpose, which is based on the proposal, implementation or performance of a contract, compliance with a legal or regulatory obligation, business development or the protection of property and persons.
We would like to inform the Client that his/her personal information may be transmitted to the following recipients:
The protection of your data is subject to organisational, technical and physical security measures within the Bank to maintain its integrity, confidentiality, availability and resilience. The Bank is committed to protecting personal data, taking into account its sensitivity and purpose of processing.
Your data is stored in information systems that meet high security criteria and whose access is restricted to authorised persons only. As such, the Bank ensures that all of its employees and all persons involved in data processing on its behalf comply with the protective measures and the confidentiality of the processed data.
Your personal data is kept for the time necessary for the purpose of its processing, under the conditions and limits laid down in applicable regulations. The relevant personal data is deleted at the end of the retention period.
In exceptional cases, your personal data may be archived to manage claims and litigation in progress as well as to respond to the authorities empowered to make the request.
In addition, certain personal data may be stored and made anonymous for statistical analysis purposes.
The main retention periods for personal data are as follows:
The aforementioned processing operations may involve transfers of personal data to countries outside the European Union, whose legislation on the protection of personal data differs from that of the European Union (for example in the case of subcontractors or partners residing outside the European Union).
In this case, the Bank makes the necessary arrangements with its subcontractors and partners to ensure an appropriate level of protection of your data and in accordance with the regulations in force at the time of their transfer. As such, the Bank implements all appropriate contractual, technical, organisational and physical measures to ensure the security of your personal data.
Your data may also be communicated to the official bodies and the authorised administrative and judicial authorities of the countries concerned, particularly in the fight against money laundering and the financing of terrorism, the fight against fraud and the determination of tax status.
In accordance with the regulations in force, users have the right to access, correct, delete and limit the processing and portability of their data. These rights can be exercised under the conditions and limits covered by applicable regulations.
You may also, at any time and without charges and without having to justify your request, object to the use of this data for commercial prospecting purposes. If the processing is in accordance with your express consent, withdrawal of consent does not affect the lawfulness of the processing based on consent made before the withdrawal.
In this case, the Bank makes the necessary arrangements with its subcontractors and partners to ensure an appropriate level of your data and in accordance with the regulations in force at the time of their transfer. As such, the Bank implements all appropriate contractual, technical, organisational and physical measures to ensure the security of your personal data.
Your data may also be communicated to the official bodies and the authorised administrative and judicial authorities of the countries concerned, particularly in the fight against money laundering and the financing of terrorism, the fight against fraud and the determination of tax status.
How to contact us?
Identity and contact details of the controller
The Controller is Banque Delubac & Cie, 16 Place Saléon Terras 07160 Le Cheylard.
Contact details of the Data Protection Officer
The Bank has appointed a Data Protection Officer whose contact details are:
Postal address: Data Protection Officer – 16 Place Saléon Terras 07160 Le Cheylard
E-mail address: dpo@delubac.fr
All requests must be accompanied by a photocopy of proof of identity; otherwise, it will not be processed. A response will then be made within one month of receipt of your duly documented request. This period may be extended by two months in the event of a complex request or if there is a large number of pending requests. The Bank will then notify you within one month of receiving your request.
The Bank strives to answer all your questions regarding the processing of your personal data. You have the right to lodge a complaint with the CNIL in the manner indicated on its website (www.cnil.fr)
The Bank may make changes to this personal data protection policy, in particular to keep pace with regulatory, technological or processing developments.
The Bank will inform you via its website or by any other means if it makes changes to this policy.