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Protection of Personal Data

Our valuable customers,

We show respect to and take care of your proprietary and private life.

That is why we would like to inform you about your rights regarding use and protection of your personal data pursuant to and under the current Personal Data Protection Law no. 6698 (“Law”) enacted and made effective with the intention of protecting your fundamental rights and freedoms.

Overall Scope of the Law

In the body of the Law, we, as T. Garanti Bankası A.Ş., are shortly referred to as the “Data Supervisor”. Again in the body of the Law, the term ‘data processing’ refers to and stands for all kinds of processes conducted on data in the course of our acts of acquisition, recording, storage, updating, classification, categorization, sharing with or transfer to third parties to the extent allowed by the pertinent laws with respect to your personal data by entirely or partially automatic ways and means or by non-automatic ways and means, providing that they are a part of any data registration system.  

Legal Causes for Processing of Personal Data

Within the frame of the relationship you are going to establish in respect of the products and services you are going to receive from our Bank, your Personal Data are being processed in reliance upon the legal causes listed in article 5 of the Law. Your Personal Data may be processed only if and when:

  • it is clearly specified in the pertinent laws referred to in article 5/2(a) of the Law, or
  • it is necessary to process personal data belonging to the parties to a contract, providing that it is directly related to or associated with establishment or performance of this contract or the contract signed with our Bank as stipulated in article 5/2(c) of the Law, or
  • it is obligatory for performance by our Bank of its legal obligations as envisaged in article 5/2(ç) of the Law, or
  • it is necessary to process personal data for establishment, use or protection of a certain right as provided in article 5/2(e) of the Law, or
  • it is necessary to process personal data for the sake of legitimate interests of our Bank providing that such processing does not give harm to your fundamental rights and freedoms as cited in article 5/2(f) of the Law, or
  • finally, your specific personal data may be processed only with a prior explicit consent of you as per article 6/2 of the Law.

Why and For Which Purpose are we using your Personal Data? Purposes of Processing of Personal Data*

  • To offer our products and services, including, but not limited to, deposits, credit facilities, payment services, insurance services, and individual retirement and investment services, also including the services which are mediated by our Bank or may be offered by our Bank as an agency, by all and any banking channels, pursuant to and under the Banking Law and associated laws and regulations;
  • To record your identity, address and other required information and data so as to be able to determine your identity information for your banking transactions;
  • To transmit via your communication and contact data all of the important information we are required to share with you;
  • To issue all kinds of records and documents required for completion of your banking transactions by our Bank, also including the processing of your position data, on paper or in electronic banking media such as verbal or internet banking / mobile banking / ATM / telephone banking;
  • To keep all and any information and data that may be requested by such public administrations as BRSA (Banking Regulation and Supervision Authority), TCB (Turkish Central Bank), MASAK (Financial Crimes Investigation Authority), GIB (Turkish Revenue Administration), CMB (Capital Markets Board) and TBB (Turkish Association of Banks) Risk Centre to which we are obliged to disclose information, and to report said information to these authorities and keep them informed thereabout;
  • If and to the extent you permit, to use for presentation of our products and services which are regulated by the applicable laws and regulations and are beyond your purpose of being a customer of our Bank; to plan and implement our product/service/offering activities specifically for you; to put into practice our product, service and working model offers; to use in profiling, segmentation, creation of in-Bank targets, scoring, risk analysis, customer relations management, in-Bank performance follow-up and analysis works and activities; and to perform statistical studies, designing of Bank service provision models, and market studies and researches;
  • To record camera views in our branch, regional directorate and headquarters buildings due to the in-house security applications;
  • To plan, supervise and implement our corporate sustainability, corporate governance, strategic planning and information security processes; and
  • To enforce and perform our administrative and legal obligations and the requirements of our contracts signed with you.

With Whom and for Which Purposes are we sharing your Personal Data?

If and when needed, we are sharing your personal data only with certain persons and entities permitted by the Law. These persons and entities are listed as follows: Persons and entities, financial institutions and other third parties permitted by the Banking Law and the associated laws and regulations for management and performance of banking activities, as well as, for legal reporting purposes, the public legal entities such as BRSA (Banking Regulation and Supervision Authority), TCB (Turkish Central Bank), MASAK (Financial Crimes Investigation Authority), GIB (Turkish Revenue Administration), CMB (Capital Markets Board) and TBB (Turkish Association of Banks) Risk Centre, and our majority shareholder, and third parties mediated by us or represented by us as an agency, and our affiliated companies (For example, Garanti Emeklilik ve Hayat A.Ş., Eureko Sigorta A.Ş., Garanti Konut Finansmanı Danışmanlık Hizmetleri A.Ş., Garanti Faktoring A.Ş., Garanti Finansal Kiralama A.Ş., Garanti Ödeme Sistemleri A.Ş., Garanti Bilişim Teknolojisi ve Ticaret T.A.Ş.,  Garanti Yatırım Menkul Kıymetler A.Ş. and Garanti Portföy Yönetimi A.Ş.) are the program partner institutions and the domestic and foreign banks from whom we receive services or with whom we enter into cooperation for management and performance of our banking activities and operations.

From Where can we access to your Personal Data?

Your personal data may be collected in verbal, written or electronic environments or media through such channels as Head Offices, Branch Offices, kiosks made available in branch offices for your transactions, ATMs, internet branch, GarantiCep and call centre, as well as through system integrations (such as identity sharing system) shared via public administrations and entities.

What are your Rights under the Law?

At any time you wish, you have the right to apply to our Bank and:

  1. To learn whether your personal data are processed or not, and if so, what was the purpose of processing, and whether your personal data are used for the intended purposes or not, and if processed, to request information thereabout; and
  2. To learn identity of third parties with whom your personal data are shared at home or abroad in accordance with the Law; and
  3. If you believe your data are processed incompletely or wrongly, to request completion or correction of them as the case may be; and
  4. To request deletion or destruction of your personal data within the frame of the conditions specified in article 7 of the Law; and
  5. To request notification of your demands referred to in subparagraphs (c) and (d) hereinabove to all third parties to whom your data are transferred, requesting them also to take the same actions in relation therewith; and
  6. To file an objection against any results that may arise against you due to and in the course of analysis of your personal data by means of automatic systems, or if you believe your personal data are recorded or used in breach of the laws and if you have suffered damages because of this incident, to claim indemnification of your actual damages.

Should the application made by you for the above cited purposes lead to an additional cost, you may need to pay the amount of fees shown in the tariff to be determined by the Personal Data Protection Board. Your requests contained in your application will be responded as soon as possible and in any case within no later than 30 (thirty) days, depending on the kind of request.

You may submit your applications for use of your rights arising out of the Law either in writing or by using registered electronic mail (KEP) address, secure electronic signature, mobile signature or electronic mail address previously designated by you to our Bank and registered in our Bank’s system, and for detailed information thereabout, you may visit the internet page of the Personal Data Protection Authority.

Wishing you the best, we remain,

Truly yours,

* In case of any change in the personal data inventory work, our Bank will update this information note.

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