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What do we use your personal data for?

We use your personal data to help make our operations and our services as effective, reliable and efficient as possible. We do this for the following seven purposes:
 

1. Contracts

To be able to enter into contracts with you and perform these contracts. If we do not have your personal data, we cannot offer you a current account or transfer money from or to your account for you, for example.

2. Research

We study possible trends, problems, root causes of errors and risks, for instance to check whether new and existing rules are properly complied with. This helps us prevent complaints and losses. It also allows us to intervene or issue a warning in time, for example if you are no longer able to repay your debts. 
 
We also need to test whether systems (that enable us to provide our services to you or that we have to use so that we can comply with the law) are working properly, and investigate whether new technologies are helping us to comply more effectively with the law or provide a better service to you. 
 
We also carry out research into economic trends. This helps us to gain a better understanding of the economy. We do not share research or reports from which your personal data can be extracted. 

3. New or improved products and services

Do our products still meet your wishes and expectations? We use your personal data to carry out research in this area. We study trends and use personal data with the aim of analysing and continuing to develop our products and services. We may use new technologies as part of this.

4. Marketing

You receive tips and offers that are appropriate for you and can benefit you as a client. In this context, we use personal data that we received from you, for example when you requested information about sustainable products and services in the past, or because you are already a client of ours. In this context, we may also use personal data that we received from other sources, such as public data sources and marketing agencies. We only do this if it is permitted by law.

5. Security and the integrity of our bank and our sector

We are required to guarantee the security and integrity of the financial sector. We may therefore use your personal data to prevent or combat attempted or actual criminal or undesirable acts, such as fraud or terrorism. This enables us to guarantee the security and integrity of the financial sector, our organisation, our employees and you, as the client. We may also use your personal data for our internal and external warning systems.

6. Social responsibility

As a bank, we play a key role in society. We want to help our clients make the transition towards sustainability so that they can contribute to a sustainable economy. Within the limits of the law, we participate in alliances with public parties and with financial and other institutions. 

Through these alliances, we want to use our special position within society to make a positive contribution in tackling certain social problems. Examples include cooperating in the fight against terrorist financing or subversive and serious crime.

7. Legal obligation

We help to prevent terrorist financing, money laundering and fraud, for instance by reporting unusual transactions or by identifying and stopping potentially fraudulent transactions and verifying transactions with you if necessary. Public authorities based in the Netherlands and other countries also ask us to provide personal data when they want to investigate problems or criminal offences. When they do this, we check whether they have good reason to do so.
 
The right to the protection of personal data always comes first. We always check whether the use of personal data is permitted. The banking sector is one of the most heavily regulated industries. This means we have to comply with many rules. 
 
Besides Dutch and European rules, these rules also include the laws of other countries. We must therefore also record and keep personal data for this purpose, and sometimes also provide personal data to the competent authorities. Once again, we always check first whether this is permitted.

No contract

If you have not concluded a contract with us, we will not process your personal data in order to enter into and perform a contract with you. We may, however, use your personal data for other purposes, such as fraud detection. We always check first whether using your personal data for other purposes is permitted.

Other purposes

We may use your personal data for other purposes than the purpose for which you supplied the personal data to us. In that case, the new purpose must be in line with the purpose for which you initially provided your personal data to us. The law refers to this principle as ‘compatible use of personal data’. The law does not specify exactly when a use is compatible, although it does provide guidance: 

  • Is this purpose clearly related to the purpose for which you initially provided the personal data? Is the new purpose appropriate to the initial purpose? 
  • How did we originally receive the personal data? Did we obtain the personal data directly from you or in another way? 
  • What kind of personal data is concerned exactly? Is the personal data in question considered sensitive to a greater or lesser degree? 
  • How would you be affected? Would you benefit, what is the privacy impact for you? 
  • What can we do to ensure the highest possible level of protection for your personal data? Possibilities include anonymising, masking or encrypting your personal data.

ABN AMRO Group and your personal data

We may share your personal data within our group for specific purposes. This may be done for internal administrative purposes, such as optimising data quality and improving our services to you. We do this because the law requires us to do so, to enable us to comply more effectively and efficiently with the law, or to fulfil our duty of care. 

Moreover, the banker's oath requires us to consider your interests as a client whenever we make decisions. If, for example, you apply to us for a loan, we need to know whether you already have a loan from, or current account or savings account with, one of our subsidiaries. This allows us to gain a more complete picture of your financial situation. 

To give another example, we may also share your personal data to enable us to better comply, as a group, with the rules aimed at combatting money laundering and terrorist financing. It may also be necessary for us to share personal data within our group in connection with a fraud investigation. In every case, we first check whether sharing your personal data is permitted within the legal parameters.

Required personal data

If we need personal data from you in order to conclude a contract with you, and you refuse to provide this data even though this is required by law, or these personal data are required for the contract, we will unfortunately not be able to enter into the contract with you. The required personal data is specified in the online forms and other forms we occasionally need you to complete.

Do you want us to remove your personal data from our systems? We are unfortunately unable to remove required or other personal data that we need, for instance for the performance of the contract you have with us, or because we are required to keep this data by law or owing to a legitimate interest of the bank.

ABN AMRO Verzekeringen and other insurers

If you have a current account with us and you wish to take out insurance with ABN AMRO Verzekeringen (a joint venture between ABN AMRO and NN Group), we will share the data you provide with ABN AMRO Verzekeringen so that you can take out the insurance and we can fulfil our legal obligations. We also do this in some circumstances when we take out insurance with another insurer. If you have taken out insurance, the insurer's privacy statement applies.

Required personal data

If we need personal data from you in order to conclude a contract with you, and you refuse to provide it even though this is required by law, or it is required for the contract, we will unfortunately not be able to enter into the contract with you. The required personal data is specified in the online forms and other forms we occasionally need you to complete.
 
Do you want us to remove your personal data from our systems? We are unfortunately unable to remove required or other personal data that we need, for instance for the performance of the contract you have with us, or because we are required to keep this data by law or owing to a legitimate interest of the bank.

Camera images, telephone calls, video banking and chat sessions, and chatbots

If you visit a branch of our bank, we may capture images of you on camera. This is necessary to prevent burglary, theft and vandalism and to ensure the safety of our clients and employees. We can also be contacted by telephone or through video banking or chat sessions, for instance for mortgage advice. We may record these conversations. We do this for the following purposes:

a) to improve our services, for example so that we can coach or assess the performance of our employees;

b) we have a legal obligation;

c) in order to be able to provide evidence, or;

d) to prevent fraud.

We treat such recordings with due care. The rules that apply to other personal data also apply to the making of recordings. You may exercise your rights, such as your right of access.