Introduction
At Bankia, we know that the privacy and protection of your personal information is what matters most. That is why we hone our applications and systems to the highest security standards while implementing the most advanced protective measures to ensure the confidentiality and integrity of information.
The purpose of this Privacy Policy is to disclose how we obtain, process, store and protect the personal data that you, as a user, provide to us directly through forms, calculators and web tools owned by Bankia ('Bankia communication channels') or at our branches.
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If you are already a Bankia customer, you have all the information on how we process your data available in the document 'Personal data processing', which you have agreed to with the bank. You can consult the updated version of that document in this link.
Data controller
Bankia, S.A.
Tax ID code (CIF): A14010342.
Registered office: C/Pintor Sorolla 8, 46002 Valencia.
Telephone: 91 602 46 80.
Contact of the Data Protection Officer: oficinadpo@bankia.com
Purposes and justification of the data processing
The details you provide as a user through the “Bankia communication channels” will be processed only for the purposes detailed on each of the forms.
Below, we will explain the purposes (why we need your data) and legal bases (what allows us to process this data) of Bankia's communication channels, which you can find in the forms:
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- 1. To attend to, manage and answer queries, questions and requests made by users via the service or communication channels provided by Bankia (Legal basis of the processing: the user's consent).
- 2. To maintain, fulfil and control the contractual and pre-contractual relationship between the users and Bankia (Legal basis of processing: execution of a contract).
- 3. To improve the web pages or web tools owned by Bankia, as well as its products and services, in order to offer users better quality and service, develop new products/services or improve the entity's internal processes (Legal basis of processing: the user's consent (cookies) and legitimate interest).
- 4. To send marketing communications on products and services offered by Bankia and by third parties (Legal basis of processing: the user's consent).
- 5. To perform studies for statistical purposes that may be of interest to Bankia or third parties (Legal basis of processing: legitimate interest).
- 6. To comply with Bankia's legal obligations (Legal basis of processing: fulfilment of a legal obligation).
- 7. In the recording of any telephone conversations you have with Bankia, during the contracting process or when using the services rendered:
- 1. To verify your identity and acceptance of the terms and conditions of any contracts, draft contracts, transactions or services you request, as a form of proof for any judicial or arbitration procedure filed between the parties, whether directly or indirectly (Legal basis of processing: execution of a contract); as well as,
- 2. To perform proper quality control on the action carried out by Customer Service and the appropriate resolution of any suggestions, queries, complaints or claims that you submit to it (Legal basis of processing: legitimate interest).
- 3. In requests for information or taking out investment products or services: to comply with the duty established in current regulations in the securities market. (Legal basis of processing: fulfilment of a legal obligation - Royal Decree-Act 14/2018, of 28 September, which amends the consolidated text of the Securities Market Act, approved by Legislative Royal Decree 4/2015, of 23 October).
The registration will include recordings of telephone conversations or electronic communications that are related, at minimum, to the transactions carried out when the user makes trades for themselves, as well as those related to services rendered in relation to the receipt, transmission and execution of client orders of any kind, including conversations or communications regarding transactions or services even if they are not finally executed.
When we request data from you, you will be informed of the voluntary or compulsory nature of the data, the purpose of the collection and each use that will be made of the data. If you do not provide data marked as compulsory, we will not be able to render the service, or you will not be able to access the service for which the data was requested. Similarly, we may request data from you that is voluntary in nature in order to allow the services on offer to be provided in the best possible way, and you may accept or deny said request.
Links
“Bankia communication channels” may contain links to other websites. Bear in mind that Bankia is not responsible for the privacy and processing of data provided through other websites or channels. We recommend that you read the data processing policy of any websites linked to or from our “communication channels” or which you otherwise visit.
Social networks
As a user, you have the opportunity to follow Bankia's pages or groups on different social networks. In these cases, you must take into account that, unless Bankia requests your data from them directly (e.g. to respond to enquiries in a private environment), your data will belong to the corresponding social network.
Therefore, we recommend that you carefully read the terms and conditions of use and the privacy policies of the corresponding social network, as well as ensure that you have set your preferences in relation to data processing.
Disclosure of data
Bankia will not transfer your data to third parties except when:
- Fulfilling a legal obligation.
- It is necessary for the provision of the service or the execution of your request.
- You have provided your prior consent and have been informed of both the identity or category of the third-party recipients and the type of data that is to be transferred by marking a box in the forms or web tools in which your data is collected.
If we request your consent for the transfer of your personal data to Bankia Group companies for marketing purposes, you will be offered the possibility to either grant or not grant your consent by marking the corresponding box. The updated list of companies of the Bankia Group and those that collaborate with it, to which data can be provided for marketing purposes, can be viewed in the following link (PDF, 198 kB).
Only in cases where it is necessary or said purposes may data be transferred to other countries or international organisations, including to those for which the European Commission has not reached a decision regarding their suitability. International transfers to countries that cannot guarantee an adequate level of protection will be exceptional and will be carried out whenever they are essential for the proper execution of the contractual relationship. Furthermore, the appropriate security measures will be employed, taking into account the state of the technology, the nature of the data subject to the international transfer and the risks to which they may be exposed.
In addition, in certain cases, to provide a quality service, Bankia may outsource services to third parties. The latter will have access to your information to provide this service on Bankia's behalf as data processors. Bankia's policy when selecting third-party suppliers will comply with the security measures and guarantees put in place to protect your rights in accordance with the type of processing they carry out on behalf of Bankia.
Data storage
The data will be stored for the time necessary to fulfil the purpose for which they were initially collected, and this period will be specified in each case (in the form or web tool).
In general, personal data (including a user's voice, where applicable) will be kept in accordance with the following criteria:
- Enquiries or requests for information will be kept for 5 years.
- Requests for operations that are not carried out in the end will be kept for a maximum period of six months, unless a longer period is agreed.
- Once the contractual relationship or provision of services comes to an end, personal data will be blocked and stored for the periods required by law, which will generally be 10 years under anti-money laundering and financing of terrorism regulations and up to 21 years in accordance with the Civil Code and mortgage legislation.
- Request for erasure, in the cases where applicable.
Once these legally determined periods have elapsed, your data will be deleted.
Exercising of rights
As the owner of the personal data, you will be able to, at any time:
- 1. Acces your personal data and find out for what purposes and in what way they are processed by Bankia (right to access).
- 2. Modify your personal data whenever it is inaccurate or incorrect (right to rectification).
- 3. Remove your personal data under certain circumstances, such as when it is no longer required (right to erasure).
- 4. Request restriction of processing of your personal data by Bankia, in which case the data will only be kept for the purposes of exercising claims (right to restrict processing).
- 5. Object to your personal data being used for purposes other than for maintaining the Bankia's relationship with your (right to object).
- 6. Obtain your personal data in a computer file for its use or to transfer it to a third party (right to data portability).
These rights can them directly exercise or through your legal representative or volunteer, via a written communication, proving your identity, directed to protecciondedatos@bankia.com or by post to Apartado de Correos nº 61076, Madrid 28080.
Security
Protecting our customers' data is one of Bankia's top priorities. For this reason, we want guarantee your security and that you can carry out your banking administrative steps with total calm.
Enquiry with greater detail the security measures with which Bankia protects your information and that you will help to improve your enquiries' protection and operations in the bank and on the internet.
Video surveillance and access to Bankia's buildings
As a financial institution, Bankia is obliged to install permanently-operational video surveillance cameras, devices or systems that are able to capture and record images of potential culprits of any criminal offences committed against people and property in its establishments and branches, in order for such potential culprits to be subsequently identified (Legal basis of processing: Compliance with a legal obligation – Law 5/2014, of 4 April, on Private Security).
Bankia will process images using still or video camera systems for the purposes of upholding the safety and security of people and goods, as well as its facilities. It may also capture images from public areas to the extent that it is strictly necessary and only for the aforementioned purpose.
The State Security Forces and Agencies will have access to the systems installed by the private security companies that allow for information to be checked in real time, when necessary for the prevention of a real and present threat to public safety or to prevent criminal offences.
In addition, when accessing certain buildings, Bankia, S.A. it may request identification details in order to control access. Providing such details will be a requirement in order for you to gain access, for security reasons and on the basis of a legitimate interest of the company (Legal basis of processing: legitimate interest of the company).
The data and images will be deleted within a maximum of fifteen days of being obtained or recorded in accordance with the aforementioned regulation, except when they have to be kept to provide evidence of any offences that have been committed against people, goods or facilities.
Visitors can exercise their rights of access, correction, deletion, objection, portability and limitation of processing, as appropriate, by writing to Bankia's General Register, with proof of their identity, at the address Registro General de Bankia, Paseo de la Castellana nº 189, 28046 Madrid.
Cookies
Accessing “Bankia communication channels” may imply the use of cookies. You can view detailed and up-to-date information on cookies in the Policy of cookies of the Bankia group.
Review of the Privacy Policy
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Bankia will perform an annual review of its Privacy Policy, unless regulations or other requirements make it necessary to adapt it more frequently. Therefore, you are advised to consult the Policy each time you access or use web pages, websites or web tools owned by Bankia or, at least, to consult its content periodically.
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Last update: 04/11/2020