Privacy Policy

The party responsible for your personal data and provider of this website is Bethmann Bank, a brand of ABN AMRO Bank NV Frankfurt Branch, Mainzer Landstrasse 1, 60329 Frankfurt am Main.

You can find further information on the Bank in our Legal notice.

You can also contact us at the address below with any data protection-related queries:

Bethmann Bank, a brand of ABN AMRO Bank NV Frankfurt Branch

Privacy Officer

Mainzer Landstrasse 1

60329 Frankfurt am Main

Phone: +49 69 2177-0

Email: datenschutz@bethmannbank.de

 

Our contact for your data protection-related questions

Our group of companies has a Chief Privacy Officer who you can reach at the following address:

ABN AMRO Bank N.V.

Chief Privacy Officer

Gustav Mahlerlaan 10

1082 PP Amsterdam, Netherlands

Email: privacy.office@nl.abnamro.com

This Privacy Policy relates to the processing of personal data (Art. 4 II of the European General Data Protection Regulation (hereinafter “GDPR”)) on our websites. Personal data is any information relating to an identified or identifiable natural person. In other words personal data is Information that says something about you as a person. Personal data includes, for example, your personal details (first name, surname, address, date of birth etc.), all types of contact details (e.g. phone, email address), sex, marital status, other information you might find in an application or a CV (e.g. about your education, work experience) and all other information we are able to associate with you as a natural person (e.g. data concerning your use of the telemedia we offer, e.g. date/time you accessed our website, app or newsletter, pages you have clicked on and entries made).

Anyone who processes personal must be authorised to do so. The law refers to this as the “basis provided for the processing” of your personal data. We process your personal data in accordance with statutory provisions, particularly the German Telemedia Act (TMG), the GDPR and the Federal Data Protection Act (hereinafter “BDSG”), for the following purposes:

If you use our website purely for information purposes (i.e. you do not transmit information to us via the contact function or use other features of the website), we use cookies to process the data transmitted by your browser in order to allow you to visit our website, both for statistical purposes and in order to improve our Internet offerings.

For further information please see “Cookies” below.

In addition to the use of our website purely for information purposes we offer various services and features which you can use if interested, such as password-protected areas for online banking, a contact form and functions and features provided by social media and other third parties (e.g. maps from Google).

Personal data is collected and processed in connection with password-protected areas only if this has been agreed beforehand – please feel free to contact us about this.

If you contact us via email or the contact form, the information we process varies depending on the type of your enquiry. As a minimum, we will ask for your email address but we may also need other personal data in order to respond to your enquiry. Information we require is marked with an asterisk (*); additional information can often be added but is not marked. Information you send to us via the contact form is encrypted and cannot therefore be viewed by third parties.

We provide information on functions and features offered by social media and other third parties in a separate section, see below.

Furthermore, we process your personal data in the following contexts:

• in order to remain in personal contact with you in the course of digital events,
• in order to offer you video banking,
• in order to ask you for your opinion on our products and services using ad hoc surveys.

Such applications typically use the following data, in particular:

• information on the participant, such as first name and surname or email address
• metadata, such as the IP address or length of the online session
• for chat, audio or video use: text data for display and, if applicable, logging, and recording data of the microphone

We will inform you separately and in advance of the applications we use and all the information associated with their use, e.g. purpose of processing, legal basis, deletion periods, recipients of the data and your right to withdraw your consent.

We would like to offer you relevant products and services which we deem appropriate. To allow this to happen we will process your personal data we have received from you (e.g. in the context of a specific enquiry via the contact form) and data from other sources.

We use our internal bank systems to allow us to offer relevant products and services. All relevant information we hold about you is, among other things, also collected for direct marketing purposes. We use client selection processes to allow us to present relevant offers to you.

Where the use of your personal data for direct marketing purposes is not in the bank’s legitimate interest, we will obtain your consent to this. Whatever the case, you have a right to object and a right to withdraw your consent. We will notify you of this separately. You also have the right to object to the creation of a personalised client profile for direct marketing purposes.

Cookies are small packets of data that are stored on your hard drive using the browser. Cookies cannot run programs or transmit viruses to your computer.

We use cookies and similar technologies that are necessary for the website to function and for the safe and intended use of the website ("functional cookies"). With your consent, we also use "marketing and analytical cookies". These are used to analyse the use of our website and to personalise content and advertisements to adapt them to your needs and interests. By clicking "accept" or "reject" in the cookie notice on the website, you determine the extent to which Bethmann Bank, a brand of ABN AMRO Bank N.V. Frankfurt Branch, may use marketing or analytical cookies.

Please note: If you delete cookies or set your browser to refuse cookies, this may affect the functionality of the website. However, the mere setting that cookies are rejected does not mean that cookies accepted by you or your browser in the past will no longer work – in case of doubt, you must actively delete cookies.

Instructions on how to deactivate or delete cookies in whole or in part in the browser you are using, as well as further information on their use and functionality, can be found in the online help or operating instructions of your browser or device.

On our website we have implemented social network buttons with a link to social networks such as XING, LinkedIn, Facebook, Google+ and X, in particular. By using your mouse to click on one of the buttons, the login page of the social network in question opens if you are not yet logged in at the time of the mouse click, or our web page opens in the relevant social network.

If, at the time you click on one of our social network buttons, you are already logged into the relevant social network, the social network in question is able to collect data about you; in particular, it is able to identify the website from which you came.

If you do not want a social network to collect data about you in the manner described above, you must log out of the relevant social network before the mouse click on one of our social media buttons; depending on the social network, this may mean, however, that even the simple use of the “Recommend” function will be restricted or even excluded.

For further details on data protection at the social networks to which our pages contain links we recommend you consult the most recent privacy policies of the operators of the social networks in question:

XING AG, Dammtorstr. 30, 20354 Hamburg, Germany.

The XING privacy policy is available to view on:

https://www.xing.com/privacy

LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, USA.

The LinkedIn privacy policy is available to view on:

https://www.linkedin.com/legal/privacy-policy

Facebook Ireland Ltd., 4 Grand Canal Square, Grand Canal Harbour, Dublin 2, Ireland.

The data policy is available to view on:

https://de-de.facebook.com/about/privacy/

Google, Amphitheatre Parkway, Mountain View, CA 94043, USA.

The Google privacy policy is available to view on:

http://www.google.com/intl/de/policies/privacy/index.html

Twitter Inc. (X), 1355 Market Street, Suite 900, San Francisco, CA 94103, USA.

The X privacy policy is available to view on:

https://x.com/de/privacy

YouTube 

The YouTube privacy policy is available to view on:

https://policies.google.com/privacy?hl=de

The Google Maps interface has been integrated into our website in order to present geographical information on our group companies in visual form. When visitors use Google Maps, Google also collects, processes and uses data on the use of the maps functions. Further information on the processing of data by Google can be found in Google’s privacy policy at https://www.google.com/intl/de/policies/privacy/index.html. Third-party provider information: Google Dublin, Google Ireland Ltd., Gordon House, Barrow Street, Dublin 4, Ireland, fax: +353 (1) 436 1001. Additional conditions of use for Google Maps: https://www.google.com/intl/en_US/help/terms_maps.html.

We process your data which we receive via the website either for the purposes of legitimate interests within the meaning of Art. 6 I (f) GDPR or, provided that you have granted your explicit consent, on the basis of this consent (Art. 6 I (a)). If you contact us in order to conclude an agreement with us, Art. 6 I (b) GDPR provides an additional legal basis for processing of your data.

Within the bank, access to your data is granted to those who require your data in order to communicate with you (for example, in order to process your contact enquiries), to initiate an agreement with you or to safeguard our interest in optimising our website, for example with regard to user friendliness and the client-oriented design of content. In addition, any processors in the sense of Art. 4 VIII GDPR we use may receive personal data for the said purposes (Art. 28 GDPR). In particular, such processors may be companies in the following categories: lending services, IT services, logistics, printing services, telecommunications, advice and consulting, sales and marketing. We select these companies carefully. In a contract with them we clearly agree on sufficient guarantees to implement appropriate technical and organisational measures in order to process your data lawfully and in the intended way. We remain responsible even when involving another company which acts on our behalf.

If you are a client of our Bank, there are situations where we are obliged to pass on your personal data to other recipients outside the Bank. Regarding the passing on of data to recipients outside the Bank it is worth noting, first of all, that according to the General Terms and Conditions agreed between us, we are obliged to maintain secrecy regarding all client-related facts and evaluations of which we gain knowledge (banking secrecy). We are not allowed to pass on information unless statutory provisions require us to do so, you have granted your consent or we are authorised to issue bank information. Subject to these requirements, recipients of personal data may include, for example:

• public agencies and institutions (e.g. Deutsche Bundesbank, Bundesanstalt für Finanzdienstleistungsaufsicht (Federal Financial Supervisory Authority), European Banking Authority, European Central Bank,
• tax authorities) if a statutory or official obligation exists.
• Other banking and financial service institutions or comparable institutions to which we transmit your personal data in order to implement the business relationship (depending on the agreement: for example, correspondent banks, custodian banks, stock markets, credit reporting agencies). If, for example, you transfer funds to another bank, your data will of course also be received by that bank. Otherwise payment transactions would not be possible

Other recipients of data may include the persons/bodies for who/which you have granted us your permission to transmit data and/or for which you have exempted us from banking secrecy pursuant to the agreement or consent.

We use services (e.g. Google Analytics 4), some of whose providers are located in third countries whose level of data protection may not correspond to that of the EU. If this is the case and the European Commission has not issued an adequacy decision for these countries, we take appropriate precautions to ensure an adequate level of data protection for any data transfers. These include, for example, standard contractual clauses of the EU. Where this is not possible, we base the data transfer on exceptions to Art. 49 GDPR, in particular on your express consent or the necessity of the transfer for the performance of the contract.  If a transfer to a third country is provided for and there is no adequacy decision or no appropriate safeguards, it is possible that authorities in the respective third country may gain access to the transferred data and that the enforceability of your rights as a data subject cannot be guaranteed.  

Google Analytics 4 is a tool of Google LLC, a company based in the United States of America. It is used by ABN AMRO Bank N.V. as the operator of the website "bethmannbank.de" and the associated apps Mein Portal to analyze your usage. By collecting website and app data, your behavior can be tracked. Information that can be evaluated, for example, is the number of visitors:inside on a website, which content is accessed most frequently or the length of time each visitor stays on individual content. Other important information that ABN AMRO Bank N.V. can obtain includes demographic characteristics such as language and location or the browser used to access the site. The aim is to obtain information about the use of the website and the apps through the collected data in order to drive further developments and optimizations of the content and functions. When using Google Analytics 4, various personal data of yours are therefore processed. This is done for the purpose of compiling comprehensive statistics and providing ABN AMRO Bank N.V. with information about the use of its website and apps. The data may be stored on Google servers in the United States of America. The United States of America is a third country for which a lower level of data protection applies than for EU countries. You have the option to decline data collection.

We process your personal data in part automatically in order to evaluate specific personal aspects (hereinafter “profiling”), namely if an agreement is due to be, or has been, completed with you. For example, we use profiling in the following cases:

Due to statutory or regulatory requirements, we are committed to combating money laundering, terrorist financing and asset-destroying crimes. In this process, data evaluations take place (including in payment transactions). These measures are also designed to protect you.

We use evaluation tools to enable us to inform you about products and advise you in a targeted manner. These tools allow communication and adverts that meet the demands of users, including market research and opinion polling.

We use scoring as part of assessing your creditworthiness. Scoring calculates the probability of a client meeting their payment obligations in accordance with the contract. The calculation may include, for example, income, expenses, existing liabilities, employment, employer, length of employment, experience from the business relationship to date, repayment of previous loans in accordance with the contract, and information from credit reporting agencies. The scoring is based on a recognised and proven mathematical and statistical procedure. The calculated scores support our decision-making in the context of product signings and are incorporated into the ongoing risk management.

As a rule, we do not use automated individual decision-making pursuant to Art. 22 GDPR in order to establish and implement a business relationship. Should we use these procedures in individual cases, we will inform you of this separately where this is required by law.

We process and retain your personal data for as long as is required in order to fulfil the relevant purpose. We have set out the retention periods for cookies above. We have no control over the retention period of data held by third parties if we have no contractual relationship with them (e.g. in the social media area), here, the storage periods result from the provider's relevant provisions.

Where necessary and permitted by law we process your personal data for the duration of our business relationship, which includes the initiation and processing of an agreement. It is worth noting in this context that our business relationship is a continuing obligation scheduled to extend over a period of years.

If the data is no longer required in order to fulfil contractual or statutory obligations, it will be deleted on a regular basis unless its further processing or retention – for a limited period – is required for the following purposes, in particular:

• Fulfilment of retention and documentation obligations resulting among other things from the German Commercial Code (HGB), the Fiscal Code (AO), the Lending Act (KWG), the Money Laundering Act (GwG) and the Securities Trading Act (WpHG).
• Preservation of evidence in the context of statutory limitation periods, particularly pursuant to sections 195 et seqq. of the German Civil Code (BGB).

Every data subject has the right of access pursuant to Art. 15 GDPR, the right of rectification pursuant to Art. 16 GDPR, the right to erasure pursuant to Art. 17 GDPR, the right to restriction of processing pursuant to Art. 18 GDPR and the right to data portability pursuant to Art. 20 GDPR.

In addition, data subjects have the right to lodge a complaint with a supervisory authority (Art. 77 GDPR in conjunction with section 19 BDSG).You have the right to revoke your consent to the processing of personal data by us at any time. (Art. 7 III GDPR)

Individual right to object

You have the right to object, on grounds relating to your particular situation, at any time to processing of personal data concerning you which is based on point (f) of Article 6 I GDPR (data processing on the basis of the weighing up of interests), including profiling based on this provision within the meaning of Art. 4 IV GDPR which we use for assessing your creditworthiness or for marketing purposes.

If you object, we will stop processing your personal data unless we are able to demonstrate compelling legitimate grounds for the processing which override your interests, rights and freedoms or for the establishment, exercise or defence of legal claims.

An objection can be lodged informally and should, where possible, be addressed to:

Bethmann Bank, a brand of ABN AMRO Bank NV Frankfurt Branch

Privacy Officer

PO Box10 06 32

60006 Frankfurt am Main

Phone: +49 69 2177-0

E-Mail: datenschutz@bethmannbank.de

 

Right to object to the processing of data for marketing purposes

In individual cases we will process your personal data for direct marketing purposes. You have the right to object at any time to processing your personal data for such marketing, which includes profiling to the extent that it is related to such direct marketing. If you object to processing for direct marketing purposes, we will no longer process the personal data for such purposes.

Furthermore, you can inform us at any time that you do not wish to receive offers for our products and services.

An objection can be lodged informally and should, where possible, be addressed to:

Bethmann Bank, a brand of ABN AMRO Bank NV Frankfurt Branch

Privacy Officer

PO Box 10 06 32

60006 Frankfurt am Main

Phone: +49 69 2177-0

E-Mail: datenschutz@bethmannbank.de

Please contact us if you have any questions about this Privacy Policy. We are happy to help. In addition to the Privacy Officer, our Complaints Management department will be happy to assist you. In particular, if you do not agree with the way we handle your data you can lodge a complaint with:

Bethmann Bank, a brand of ABN AMRO Bank NV Frankfurt Branch

Complaints Management

PO Box 10 06 32

60006 Frankfurt am Main

You also have the right to lodge a complaint with the competent Data Protection Agency. For the Bank, this is the Data Protection Officer of Hesse, Gustav-Stresemann-Ring 1, 65189 Wiesbaden; the competent data protection supervisory authority; further information can be found at https://www.datenschutz.hessen.de

We are working continuously to improve our systems and processes and thus make online banking for you as secure and reliable as possible. Should you nevertheless notice a vulnerability, we would be grateful if you could let us know. Despite all care taken, mistakes can happen. Should you notice or suspect a vulnerability in our IT systems, we would ask you that you let us know first and thereby support us in finding a solution. Thanks to your help, we will be able to improve continuously in order to prevent fraud and system outages. If you make these vulnerabilities in our IT systems public without having alerted us first, this may have serious consequences. Criminals may use your information for Internet fraud, for example.

Reporting weak spots in IT systems - ABN AMRO

This Privacy Policy is amended on a regular basis in order to bring it in line with changes to the law and/or the processing of personal data by Bethmann Bank, a brand of ABN AMRO Bank NV Frankfurt Branch. You can see this by the date this document was last updated, as shown below. We recommend that you check this Privacy Policy on a regular basis.