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    Information on the processing of personal data in the context of occasional transactions

    Version 1 as of 18.12.2024

    Data controller and data subjects

    Banca Transilvania S.A. ("the bank", "BT") processes the personal data of individuals who carry out occasional transactions (e.g. cash deposits in BT accounts on which they have no capacity, currency exchanges, money transfers via Western Union, payments to utility suppliers, withdrawals of amounts representing dividends), also called occasional customers, in the bank's establishments or through BT equipment, as well as, where applicable, the data of the actual beneficiaries of occasional customers (together "data subjects").

    Purposes of processing personal data

    Personal data is processed in the context of occasional transactions for the following main purposes:

    • the application of know your customer measures to prevent money laundering and terrorist financing (including identity verification and identification).
    • conclusion and execution of the contract for occasional transactions (including processing/settlement of this transaction);

    Categories of personal data processed and their source

    In the context of occasional transactions, BT processes the following categories of personal data as appropriate:

    • identification data: data contained in the identity card or passport with which you identify yourself, including a copy of this document, when we are required by law, signature, country of tax residence;
    • financial data about the occasional transaction (e.g. amount, currency, payee, explanations/ transaction details, transaction reference/ transaction identifier) and the history of occasional transactions with BT;
    • contact details: telephone number, e-mail address;
    • other personal data required by law, depending on the specifics of the transaction;

    We collect data directly from occasional customers. In the case of their beneficial owners, we collect the data from the occasional customers who provide it to us.

    What are the legal grounds for processing personal data and what happens if you refuse processing

    The Bank processes personal data pursuant to the legal obligations applicable to it (e.g. know-your-customer legislation to prevent money laundering and terrorist financing, payment services legislation), as well as for the conclusion and performance of the contract related to the requested occasional transaction. If you refuse to process this personal data, we will not be able to process the occasional transaction.

    Also, in order to reduce waiting times at bank counters, we have a legitimate interest to use the data processed in the context of a one-off transaction or, where appropriate, personal data we hold about you from the perspective of a regular customer of the bank and for possible future one-off transactions.

    How long we keep personal data 

    Personal data is kept for 5 years from the date of the occasional transaction, a period which may be extended under the conditions of the specific legislation. Upon expiry of the legal retention period, the bank will erase/anonymize the data, unless there are other legal provisions requiring their continued retention (e.g.: the Fiscal Procedure Code requires data to be retained for 10 years from the date of the occasional transaction).

    To whom we disclose personal data 

    The categories of recipients to whom we disclose personal data, where applicable, are:

    • other Customers (the BT customer who is the beneficiary of the amounts subject to the occasional transaction)
    • contractual partners (service providers) used in BT's business
    • public authorities and institutions to which we have a legal obligation (e.g. ANAF and ONPCSB) or, where applicable, a legitimate interest (e.g. courts of law) to disclose personal data processed in the context of occasional transactions.

    This information notice is complemented by the Policy of Banca Transilvania S.A. on the processing and protection of personal data in the framework of banking activities ("Privacy Policy"), in particular with the provisions of section C, paragraph 2 thereof. The Privacy Policy can be found on the website www.bancatransilvania.ro or, upon request, at any branch of the Bank. The Privacy Policy includes the rights that can be exercised by the data subjects and the means of exercising them, as well as the contact details of the Data Protection Officer (BT DPO).

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    AI Search provides automatically generated answers, using GPT-4o technology, which may contain inaccurate or potentially offensive content that does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service. .
    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta - that uses GPT-4o technology to simplify the process of finding and understanding banking products.

    AI Search is trained to answer questions that are exclusively related to the banking products offered by BT, but in certain situations and depending on the questions asked, it may also answer general questions. The answers provided are automatically generated and are to be used for information purposes only. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the views of Banca Transilvania. You are solely responsible for your use of the content generated by this service in any way. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into this service.

    Use of AI Search implies acceptance of the Terms and Conditions.

    Access to and use of the service implies your unreserved acceptance of these terms and conditions. If you do not agree to them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume the entire risk as to the quality, safety and performance of this service.

    Banca Transilvania does not provide any guarantee in relation to the answers provided by this service.

    AI Search provides responses algorithmically and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it you are obligated not to provide or enter any personal data or other confidential information in your messages/questions. In case you do not comply with this obligation, by inserting personal data/confidential information in AI Search, you consent to their processing for the purpose of providing the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially and will only be disclosed to recipients who have a right and need to know.

    The content provided by AI Search is for information purposes only.

    Users are responsible for the questions and messages asked when using AI Search. Any abuse or inappropriate language may result in the interruption of the interaction.

    AI Search does not provide financial, legal or professional advice and is not a substitute for consulting human experts or professionals specialising in the field. Users should not rely on the information provided by AI Search in making decisions.

    The Bank reserves the right to discontinue the AI Search service at any time without prior notice.

    Terms and conditions may be revised/updated at any time.

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