We think it is important for you to know what we do with your personal information so that you are confident your data is in good hands. We process your personal information in accordance with the Dutch Personal Data Protection Act (Wet bescherming persoonsgegevens) and the Code of Conduct for Processing Personal Data by Financial Institutions (Gedragscode Verwerking Persoonsgegevens Financiële Instellingen).
NIBC Markets is an entity of NIBC Bank N.V. As such, NIBC Bank is responsible for ensuring that NIBC Markets and all other businesses entities within the group comply with the Dutch Personal Data Protection Act.
When you become a customer of NIBC Markets, either directly or through an adviser, we ask you for certain information about yourself. We can use this information to:
If you are a client of NIBC Markets, you are also considered to be a client of the other businesses within NIBC Bank group.
In some cases, our businesses share information about certain clients among themselves. This may be necessary for a reliable acceptance policy and to prevent fraud. It may also be required for processing your application or to give us an overview of the products and services you have with NIBC Bank’s various businesses. In addition, we may make your information available within our group so that other NIBC Bank businesses can approach you with financial services and products. Some of the businesses within the group do not exchange customer information for marketing purposes.
A number of NIBC Bank businesses collaborate with independent advisers and franchisees. For this collaboration to work, they must share your personal information. For example, when you take out an insurance policy or open a savings account or bank account through an independent adviser, the adviser must pass on personal information such as your name, address and place of residence. Personal information is also shared with independent advisers and franchisees for marketing purposes. These activities usually take place in mutual consultation.
Sometimes we are legally obliged to pass on your personal information to government or regulatory bodies. Examples of these include the tax authority, police, the judiciary or supervisory authorities such as the Dutch central bank (DNB), the Netherlands Authority for Financial Markets (AFM) and the Dutch Data Protection Authority. We are always careful when we do so.
For some financial products and services you have to provide us with information about your health. We can only ask your physician for information with your consent. Our medical advisers are responsible for protecting your medical records and have a duty of professional confidentiality. In addition, there are financial products and services for which we require information about your criminal record. We will only ask for information pertaining to the period of up to eight years prior to the application.
We have made our website as secure as possible to safeguard your information and give you peace of mind when using our websites.. All employees who have access to your personal information are obliged to keep it confidential.
In principle, we may only store cookies if you have given us permission to do so. The website will ask you for permission. You can also withdraw your permission via the website. If you do so, we will no longer use or store the cookies. You can also remove cookies at any time via the browser of your computer, tablet or mobile phone.
Not all cookies require permission. You do not have to give us permission for cookies that are necessary to communicate with you over the internet or provide you with a service or product. Examples of these are cookies that help us to recognise you the next time you visit our website.
With these cookies, you only have to give us your details once, for example, and you can set your preferences for the website or our services. This enables us to continuously increase the userfriendliness of our websites.
In order to personalise the contents of the website and create a profile for you, we make use of tracking cookies. With these we can adapt our website to your personal interests. If, for example, you looked at savings products, mortgages and non-life insurance, we may show you offers for these products the next time you visit.
Tracking cookies allow us to record the pages of the website you visit, and the search terms you enter. We combine this knowledge with other information, such as the website you came from, the day and the time of your visit, the search engine you use and certain technical details, such as your browser settings and your operating system. These details are laid down in a profile that we can add to each time you visit our website. If you are already a client, we can also add known client information about you to your profile. We may only store tracking cookies on your computer, tablet or mobile phone with your permission. Not all our websites use tracking cookies. If you do not want us to store tracking cookies on your device, you will not receive personalised offers or information that is relevant to you. It goes without saying that all our online services, such as internet banking and your personal account, are always available, even if you do not want tracking cookies.
Many cookies are temporary and are automatically removed when you close your browser. The length of time other cookies remain on your computer, differs per cookie. Information about this can be found on the website.
A number of NIBC Bank businesses allow you to open your own secured account from which you can make payments or take out an insurance policy.
When you are logged in to your account, you may be notified about particular products or services. These notices are made-to-measure. They have been selected on the basis of your profile and the interests you have shown on the website. If you no longer wish to receive these messages, you can turn them off in your account settings. You can just as easily turn them back on to receive personalised offers again and be sure you don’t miss out.
We use the advertising technology of external suppliers to gain insight into the effectiveness of internet advertisements that we place on our own and other websites. Examples of suppliers are DoubleClick and Google. These suppliers’ cookies are referred to as ‘third party cookies’ and we ask you for permission to use them. These cookies allow us to trace how you get to our website and enable us to determine whether our adverts on other websites are effective. In addition, we use these cookies to keep track of the pages you visit on our website and the search terms you enter. This information is recorded in your profile. If you subsequently visit another website that uses the same advertising technology as ours, the cookie on your computer is compared to the cookie details in our database. Based on your profile, we then determine which of our advertisements you see on the other website.
Details about your use of our websites is stored with the external suppliers that provide these advertising technology services. These external parties cannot link you personally with this information.
If you are a client of NIBC Markets, we can use your profile to inform you about our products and services by post, telephone, text message or email. For example, if you showed an interest in a savings account or insurance product on our website, or within your own account, we can send you personalised offers by email or post. Our employees, such as those in the Customer Services department, can also use your profile to offer you better assistance. In addition, your profile allows us to provide you with better information about products or services that could be of interest to you.
Some of our services are provided over the phone. In certain situations, we may record these conversations. Examples include, to check and investigate assignments and transactions, to prevent and combat fraud and to train and coach our employees. When we do so, you have the right to listen to the recorded conversation or to receive a written report thereof.
When you request a product or service via the internet, we save the details of your application.
Banks that provide mortgages in the Netherlands record the details in the SFH system. This is a foundation for the prevention of mortgage fraud established in Amsterdam by the Dutch Banking Association (NVB). The SFH system is a warning system for banks to promote the safety of the banking sector. As such, we abide by the Protocol Incident Warning System for Financial Institutions (PIFI). For more information, go to www.stichtingfraudebestrijdinghypotheken.nl.
If you use the SWIFT network to make international payments, the U.S. government may ask us for information about you in the interest of preventing terrorism.
You can ask us to tell you what information we process about you. This right is laid down in the Dutch Personal Data Protection Act. You will receive an overview of your personal information within four weeks. We may charge a fee for this.