Privacy statement

Please find below further information on the use of your personal data by Credit Europe Bank N.V. – Malta Branch (hereinafter Credit Europe Bank). Click here to view the privacy statement for businesses. Click here to view the privacy statement for businesses.

Click here for the pdf-version of the privacy statement for private individuals.

Purposes of data processing
Personal data will be processed by Credit Europe Bank for the purposes of ensuring the efficiency and effectiveness of its business operations, and, in particular, for the following activities:

  1. the assessment and acceptance of customers and potential customers, the conclusion and performance of contracts with a customer and the settlement of payment transactions;
  2. the analysis of personal data for statistical and scientific purposes;
  3. the performance of (targeted) marketing activities designed to establish a relationship with a potential customer and/or maintain or extend a relationship with a customer, including sending marketing information about products and/or services that may be of interest to the customer or potential customer;
  4. the safeguarding of the security and integrity of the financial sector, including the identification, prevention, investigation, and combating of conduct or attempted conduct (punishable or reprehensible) directed against the industry to which Credit Europe Bank belongs, the group to which Credit Europe Bank belongs, Credit Europe Bank, its customers, potential customers, and its staff, as well as the use of, and participation in, warning systems;
  5. compliance with statutory obligations; and/or
  6. the management of a relationship with a customer or potential customer.

When carrying out these activities, Credit Europe Bank may employ other companies, both in and outside the bank. These companies may be based in countries outside the European Economic Area ("EEA") that do not offer privacy protection comparable to that offered by countries within the EEA pursuant to the European Data Protection Directive 95/46/EC. For the purposes of executing payment instructions, personal data may also be exchanged with recipients who are based in countries outside the EEA. Intermediaries and/or data processing centres may be based in various locations worldwide. Both during and following the processing of personal data, the data may be the subject of investigation by the competent national authorities and/or competent supervisory authorities of the countries where this data is held.

In order to protect your personal data, Credit Europe Bank has made the necessary contractual arrangements and complies with applicable laws, rules and regulations (including the Maltese Data Protection Act).

Telephone conversations may be recorded
Telephone conversations with Credit Europe Bank may be recorded for the following purposes:

  1. to provide evidence including in relation to differences of interpretation or disagreements concerning the content of the telephone conversation;
  2. to investigate and detect fraud;
  3. to evaluate the quality of services; and/or
  4. training, coaching and appraisal purposes.

Cookies
The website of Credit Europe Bank makes use of cookies. A cookie is a small text file which is offered to your browser and subsequently installed on the hard drive of your computer by your browser. The enclosed data within the cookie can be returned to our servers with your next visit to our website.

The use of cookies is to enhance the user-friendliness and efficiency of the website. The Online Banking (internet banking) application also makes use of cookies. The settings of your browser allow you to turn off the acceptance of cookies. However, doing so may negatively influence the use of our website. For more information on turning the acceptance of cookies on or off and the removal of cookies, please revert to the settings of your browser and/or the built-in Help function thereof.

Google Analytics
Credit Europe Bank makes use of an analytical service offered by Google Inc. (“Google”). As part of the services provided by Google Analytics, a cookie of Google is installed on your computer upon visiting the Credit Europe Bank website. These cookies allow us to analyze how visitors use our website. Information collected by Google this way is, as much as possible, rendered anonymous. Your IP address is not part of the collected information. The anonymised information is transferred to Google and stored on servers within the United States.

Google may provide collected information to third parties when Google is legally obliged to do so, or when third parties require thusly in order to process the information on behalf of Google. Google states it adheres to the Safe Harbor principles and follows the Safe Harbor program of the United States Department of Commerce. The Safe Harbor program ensures adequate privacy protection of collected and transferred data.

You can turn off Google Analytics cookies by following this link: https://tools.google.com/dlpage/gaoptout

Personal data via the website of Credit Europe Bank
During your visit to the website of Credit Europe Bank, your personal data may be obtained, for example through a contact form on the website or if you sent us a contact request by e-mail. Credit Europe Bank also collects data by using cookies. This enables Credit Europe Bank to collect information on the use of its website and to customize it to your profile. Personal data obtained through the website are processed in accordance with this privacy statement. This privacy statement does not apply to third party websites that are linked to the website of Credit Europe Bank.

Credit checks
Credit Europe Bank may register your personal data as well as details regarding your payment history with Credit Europe Bank with the national central credit registration office. In addition, Credit Europe Bank may also request information regarding your payment history from such a national central credit registration office.

Direct marketing
Credit Europe Bank and her companies may use your personal data to determine which products and/or services may be of interest to you and to inform you of these, either upon your request or on our own initiative, for example, by post, telephone or e-mail.

You may at any time object to the use of personal data for direct marketing purposes and/or the receipt or further receipt of specific or all types of marketing information, by sending a letter stating that you do not wish your personal data to be used for such purposes to:

Credit Europe Bank N.V. – Malta Branch
Data Protection Officer
143/2 Tower Road
Sliema SLM 1604

or send an e-mail to: info@crediteurope.com.mt

Right to access and correct personal data
Under the applicable laws, rules and regulations (including the Maltese Data Protection Act) you have certain rights. For example, within the limits of the applicable laws, rules and regulations you have the right to request whether your personal data - and which personal data - are being processed. If the personal data is factually inaccurate, incomplete or irrelevant, or is being processed in any other way which infringes a legal provision, you can request that such data be corrected, supplemented, deleted or blocked. For further information about these rights and/or to make such a request, please contact:

Credit Europe Bank N.V. – Malta Branch
Data Protection Officer
143/2 Tower Road
Sliema SLM 1604

or send an e-mail to: info@crediteurope.com.mt.

Credit Europe Bank may amend this privacy statement from time to time. You can look into the latest version via the hyperlink ‘Privacy’ on Credit Europe Bank’s website.

Credit Europe Bank N.V. – Malta Branch
Sliema, 1 October 2009

Credit Europe Bank N.V. (head quarters)
Karspeldreef 6A
1101 CJ Amsterdam, The Netherlands
www.crediteurope.nl

Credit Europe Bank N.V. – Malta Branch
143/2 Tower Road
Sliema SLM 1604
www.crediteurope.com.mt