Crédit Mutuel ARKEA acknowledges the particular importance of data protection and data security with legal, professional and ethical integrity.
Crédit Mutuel ARKEA shall comply with data protection laws and more specifically, Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and any other act governing the processing and use of Personal Data ("Data Protection Laws"), and shall not do anything, or permit anything to be done, which might lead to a violation by itself of these laws.
In addition to the Data Protection Laws aimed at protecting the privacy of natural persons, Crédit Mutuel ARKEA acknowledges that there are a series of rules, recommendations and guidelines from banking authorities (including where the processing of data is outsourced), technical standards in the banking sector, and best practices, aimed at protecting, in the interest of Customers and banks themselves, the security of any form of data which is inherent in the operation of a banking platform, i.e., to protect such data against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access, in particular where the processing involves the transmission of personal data over a network, and against all other unlawful forms of processing, (the "Security Rules"). Crédit Mutuel ARKEA shall therefore also implement technical and organizational measures in order to comply with such Security Rules.
This Privacy Statement informs you of the conditions under which we, Crédit Mutuel ARKEA process, collect, record, store, adjust, organise, use, transfer or delete your personal data. It also informs you of the rights you have over your data.
What is personal data ?
This is any information relating to an identified or identifiable natural person.
An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific
to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
What categories of personal data do we process ?
The following categories of personal data are mainly processed in the context of our discussions :
- declarative personal data that we may collect directly from you or data collected indirectly from third parties with whom we have discussions;
- personal data related to the operation of services, generated in particular when using online services;
- personal data derived from public sources (e.g. public part of social networks) in compliance with regulations;
Personal data collected includes:
- Name and surname of the developer ;
- job title of the developer ;
- e-mail address of the developer.
Why do we use your personal data?
We use your personal data responsibly, for a specific and useful purposes :
1) To provide anonymous computer applications and data models to an authorised audience.
2) To secure and develop our activity while pursuing our legitimate interests
These data processing operations aim to promote our customer satisfaction and our growth, while respecting your fundamental rights and freedoms.
The common objective for both ASPSPs (Account Servicing Payment Service providers) and TPP (Third Party Providers) is to improve the service provided to our customers in compliance with current regulations while securing our activities and cash flows.
3) To Comply with the law
Like any financial institution, we are subject to rigorous control of our activities, to which we lend ourselves with the greatest transparency.
- Responding to requests from administrative and judicial authorities
- Combating money laundering and terrorist financing
- Combating market abuse and insider trading
- Make regulatory declarations
- Implement the best execution policy
4) To justify our activities
To produce activity monitoring reports and regulatory reports.
To manage operational risks
How long do we keep your personal data ?
The storage periods we apply are compliant with Data Protection Laws and must not exceed the time strictly necessary for the proper execution of the processing.
To determine duration, we took into account:
- The purposes for which these data are collected,
- The persons concerned by the collection,
- Compliance with legal, regulatory or professionally recognized obligations to which we are bound.
Is your personal data shared with third parties ?
We consider that all data concerning you constitute confidential data subject to the banking secrecy to which we are subject.
For the purposes detailed above, we might have to transfer your personal data with the competent operating entities of the banking world, their entities, theirs service providers, subcontractors and legally authorized administrative and judicial authorities (European Union or non-EU).
In our commercial relations, we make sure that our partners comply with Data Protection Laws.
Our security system, your rights
How do we protect your personal data ?
Banking regulations require us to ensure a high level of security and confidentiality of your personal data. Each and single treatment of this data is thus carried out within the framework of strict rules and procedures.
A reliable information system
We take the security of your data very seriously. In view of the nature of the personal data and the potential risks involved in the processing, we have taken a number of necessary measures to preserve and prevent them from being distorted, damaged, made inaccessible or accessed by unauthorized third parties:
- Technical measures, such as data encryption.
- Physical measures, such as strict access control to buildings.
- Additional measures such as audit trails of our activities also help us to ensure an optimal level of security.
We have also taken organizational measures, through the training of teams dedicated to the issue of information security.
More generally, we make all our employees aware of the protection of personal data and ensure that they comply with the regulations in force and the ethics of our company.
We choose subcontractors or service providers who offer a high level of guarantees regarding the implementation of appropriate technical and organizational measures. As a result, we ensure that the processing of your data complies with the requirements of current regulations concerning the protection of personal data.
An unfailing reactivity
If we notice an incident with an impact on personal data, we ensure, according to the framework imposed by the regulations, to notify it to the proper supervisory authority, ) as soon as possible after having read it and to inform the persons concerned.
Our prospects, customers and other actors interfering with us (especially on IT security monitoring) can also contribute to maintaining our level of security with regard to personal data. We oblige them to respect the rules we recommend and to inform us of any anomalies they may encounter.
What are your rights and how can you enforce them?
You have dedicated rights over your personal data such as the right to access, rectify, delete information, limit processing, object to processing and automated decisions, ask the transfer of your personal data (portability) and carry your personal data. You also have the right to define instructions regarding the storage, erasure and communication of your personal data after your death. Finally, you have a right of complaint to the Commission Nationale Informatique et Libertés (CNIL).
How to exercise your rights ?
You can exercise your rights to the following email address : firstname.lastname@example.org
The contact details of the Data Protection Officer are as follows: protectiondesdonnées@arkea.com
To exercise your right of objection, you may invoke it for processing operations based on a legitimate interest or a mission in the public interest.
Your request for the right to forget may, in certain cases, not be successful. For example if we are required by law to retain your data beyond the duration of the relation.
Help you manage your navigation data
Cookies are small "test" files issued by the sites you visit.
Recorded on your device (smartphone, tablet, computer, etc.), they store temporary or persistent data. Very concretely, they inform, for example, the site on which you are browsing of the date of your last visit or your display preferences, i.e. the number of articles to be displayed per page, for example.
In order to improve your experience, improve our services or facilitate navigation, we implement two types of cookies on your computer terminals :
- Session cookies, also known as comfort cookies, whose sole purpose is to maintain your "session context". In particular, they avoid multiple authentications during the same visit.
The data collected in this context is automatically destroyed about half an hour after the end of your browsing.
- Functional cookies which are anonymous cookies used to ensure that the website operates smoothly.
Without them, the website would not work properly. Functional cookies remember your settings, for example the language in which the website is shown. But they cannot identify you personally.
- Persistent cookies called audience analysis cookies. They are mainly used to compile mass statistics to improve the quality of presentation of our information or the ergonomics of our services.
The maximum storage period for these cookies is 13 months.
- Third-party cookies to evaluate the performance of our advertising campaigns or that may give us the ability to send you targeted commercial messages on the advertising space of third party websites.The maximum storage period for these cookies is set at 14 months.
How to set your cookies
You can prevent cookies (or equivalent technology) from being stored by selecting the appropriate browser settings on your computer, smartphone, tablet or any other interface.
The persistent and third-party cookies described above are implemented if you continue browsing outside the "No, give me more info" link in the "cookie banner". Please note that this banner is automatically displayed as soon as you enter a site that has implemented cookies, in order to ensure that you give your consent at all times to the collection of your browsing data.
The case of Google Analytics audience measurement tools
The Google Analytics audience measurement tool equips our digital media available to you. The data generated by the tool and its cookies are stored by Google on servers located in Europe and the United States.
On our sites, we have taken care to set up Google Analytics with the "Anonymize IP" option, which ensures that your IP (Internet Protocol) address is always treated anonymously. To learn more about Google's privacy policies, please click here.
For the sake of transparency, we also inform you that there is a system in place to prevent Google Analytics from monitoring. For more information, please visit the Google website by clicking here.
Are the rules changing ? We're informing you !
In order to provide you with an optimal browsing experience, the rules for cookie management and audience measurement described above may change.
All processing changes or revisions will be recorded on this page and reported by updating the publication date.
Date of publication: 04/10/2019