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Everything you need to know about your personal data in business with the bank

The General Data Protection Regulation of the European Union (GDPR) will be implemented from 25th May 2018.

In providing our services we have applied strict rules to keep your personal data protected to the utmost extent. By implementing the new General Data Protection Regulation, we continue to protect and use your personal information with an additional level of security and strict rules of privacy along with a very transparent data processing procedure.

What is the GDPR?

The GDPR (General Data Protection Regulation) refers to the protection of natural persons with regard to the processing of personal data and on the free movement of such data to the effect of better level of protection of the rights and freedoms of natural persons with regard to the processing and movement of such data. The Regulation is applicable in all countries of the European Union.

What does the GDPR mean to you?

The GDPR allows you, as an individual, a higher level of the rights and freedoms with regard to the processing and movement of your personal data. Every company that in any way collects your personal data is obligated to provide you with an intelligible and transparent explanation of the purpose for such data collection, the intended use and the storage period of such data. 

Personal data

What kind of personal data do we collect?

  •  basic personal data
  • socio-demographic data
  • employment data
  • information on the selected communication channels with RBA, including marketing
  • business relationship data concerning you as an RBA client
  • credit debt data and payment discipline with other credit institutions

Our rules on personal data

Detailed information on protection and use of your personal data in business with RBA are available in the document:

Rules of Personal Data Treatment of Raiffeisenbank Austria d.d.

Information on personal data processing for the purpose of using digital banking services

Your Consent for Personal Data Processing and Use

Use the opportunities we offer you!

To all our clients we wish to provide equal access to opportunities and information from which they can benefit.

Most of our clients have decided on that already and have access to all the opportunities. Are you one of them? Check in mojaRBA mobile or Internet banking or at any RBA branch!

By signing the consent on data processing and use, you personally decide whether you wish to agree to your personal data being used for the purpose of specially created individualized offers, as to receiving information on the latest campaigns and more favorable offers. You can give the consent statement through mobile or Internet banking or at any RBA branch, and should you change your mind later on, you can just as easily withdraw your consent. 

Personal data processing in the OSR system

The OSR system is a system for processing and exchange of client data among credit institutions as OSR system users (hereinafter: users) via HROK for the needs of assessing creditworthiness and credit risk management. Raiffeisenbank, as one of the OSR system users, processes your personal information in the OSR system if you have, or have had any monetary obligation towards RBA (such as a loan or account overdraft).

Your information data, including personal data, are processed in the OSR system
by exchanging information about your monetary obligations with other OSR system
participants.

You can find everything related to the processing of your personal data in the OSR
system on the web page Information on personal data processing in the OSR system.

Anonymous web statistical evaluation

JENTIS

For anonymous statistical evaluation and extended security precautions during visits to our website, we use services of the company JENTIS GmbH, Schönbrunner Straße 231, 1120 Vienna ("JENTIS"). For this purpose, data is transmitted to JENTIS, which JENTIS evaluates on our behalf in anonymized form. This means that JENTIS GmbH only processes data that cannot be traced back to an identifiable person.

In addition, we use JENTIS to anonymize your personal data before transferring it to a third country, thus protecting your data. You can view the data protection provisions of JENTIS at the following link: https://www.jentis.com/privacy-policy/

By using the company JENTIS GmbH, your personal data is anonymized before a potential transfer to a third country. Google thus only receives information that does not allow any conclusions to be drawn about you.

MOUSEFLOW

For the purpose of optimizing our pages and improvements of our services, we use a website analytics tool by our business partner Mouseflow ApS, Denmark. This tool is used to record and analyze visitor data on our website (e.g. pages visited, time spent, whether it's a first or repeated visit, device type, operating system, browser, approximate geographical location).

Data collected during your visit to the website cannot be linked to you as an individual. These cookies last for a year. More about the Mouseflow tool https://mouseflow.com/legal/privacy-policy/

KAMELEOON

To improve our website's usability and provide a more personalized experience, we utilize the third-party service Kameleoon, whichperforms functional, non-personalized experiments. These experiments include:

  • Data Collection: Kameleoon collects anonymous browsing data ('hot data'), such as page clicks, navigation patterns, and device information. This data cannot be used to identify you personally. 
  • A/B Testing: You may be included in A/B tests or personalization campaigns. These tests are used to optimize content, layout, or functionality.
  • Storage: Data is stored locally in your browser and on secure servers for up to 365 days.

If you opt-out of analytics/targeting cookies via our consent manager, Kameleoon will not store cookies or process data for these experiments, and such experiments will not be performed.

More information

Personal Data Protection Officer

In case you have any additional questions regarding personal data protection, feel free to contact our Personal Data Protection Officer at the following e-mail address: zastita-osobnih-podataka@rba.hr or by post at the address Raiffeisenbank Austria d.d., Magazinska cesta 69, 10000 Zagreb, Attn.: Personal Data Protection Officer.