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it is in our legitimate interests to make sure that complaints are investigated (so that our customers receive a high standard of service and we can prevent complaints from arising in the future).

it is in our legitimate interest to check the orders you place at our bank, to prevent and detect fraud and other crimes, analyse, assess, improve  our services to our customers, to do these for training purposes and improve the services offered to customer.

it is in our legitimate interest to make sure we can recover the debts owned to us, as well as making sure our assets are protected.

When information is requested on account movements by account holder customers at our bank and/or intermediaries they authorize with whom you have collection or payment relations via products such as money transfer, cheque, bill payment  (for instance, your data (such as ID number/tax number) are indirectly sent to the counterparty through our account movement integration product)

it is in our legitimate interest to check your ID and comply with the applicable laws in order to protect our organization by preventing and investigating fraud, laundering of proceeds of crime, terrorism financing and other crimes.

it is in our legitimate interest to protect our organization

• To help you manage your accounts, to get your order and document approvals
• To fulfil our legal obligations,
• To provide your account statements and other information linked to your account or our relationship
• To notify you on our products and services you own and to send you information on products, services, awards, offers, promos and contests that may be of interest

it is in our legitimate interest to share information with you on products and services that could be relevant or beneficial to you.

Having your explicit consent to inform you on products and services you own and to send you information on products, services, awards, offers, promotions as per article 5/1 of LPPD

it is in our legitimate interest to make certain credit controls to take responsible commercial decisions. As a responsible organization, we need to ensure that we only offer appropriate products and services for individuals and that we continue to manage our services.
It is in our legitimate interest to help prevent and detect fraud and other crimes.
It is in our legitimate interest to help domestic and foreign regulatory authorities to ensure banks keep with laws and regulations.

It is in our legitimate interest to make sure our Bank and assets are prudently protected.

it is in our legitimate interest to make sure our bank assets are protected.

Health Information

We process your health data to offer you insurance products or price quotes, to select special conditions such as Braille alphabet for account statements when system developments are made, to prepare an insurance policy draft when you buy health/life insurance and/or private pension products (and/or if needed as collateral for a loan that is allocated)

We will process your health data, which is a special category of personal data, if we receive your explicit consent as per article 6 (2) of LPPD.

Criminal Convictions and Security Measures

As per the Cheque Law numbered 5941, we are obliged to enquire your criminal records if you apply to our Bank to open a cheque account

It is stipulated by law as per article 6(3) of LPPD.

Biometric Data

If you request to become our new customer via remote identification method pursuant to the Regulation numbered 31441 or to carry out transactions with our mobile application via remote identification, we process your biometric data in order to fulfil your requests.

We will process your biometric data, which is a special category of personal data, if we receive your explicit consent as per article 6 (2) of LPPD.

DenizBank Financial Services Group Entities .
Your personal data may be processed as per conditions set forth in article 9 on transfer of personal data abroad and article 8 on transferring personal data under LPPD in order to be used in consolidated financial statement preparations, risk management and assessment studies and registered in central information system of our shareholder for internal audit practices as per article 73/4 of banking law; to disseminate the compliance program of DFSG as per article 5 of Regulation on Compliance Program for Obligations to Prevent Laundering Proceeds of Crime and Terrorism Financing across the financial group as well as to know-the-customer and share information on accounts and transactions in the group and for support services realized as per extension permissions granted by the BRSA; by companies and persons within the company group our bank is included in, direct and indirect subsidiaries of our bank both domestic and abroad, main shareholder and other shareholders of our bank and their affiliates, employees, company officers, legal, financial and tax consultants and auditors.

Data can be shared with payment transaction service providers and other institutions that help us carry out payments and other companies that are members of payment programs or offer payments in certain payment types in order to offer you products and services you receive from us.

Third Party Payment Providers. If there is need to confirm that the payment is made to the correct account, your data related to this purpose only can be shared with persons who paid into your account.

Other banks and Financial institutions and merchants: If a payment is made to your account by mistake, details about you and the wrong payment can be shared with the sender banks to they can collect the said amount. Your personal data can be transferred to correspondent banks, international or domestic banks, merchants and financial institutions for sharing electronic transfer messages, foreign trade transactions, secure financial transaction messages linked to all kinds of money transfers to be made domestically or internationally including inter-bank and/or swift systems; for global payment and loan transactions and electronic transactions, domestic and international collateral transactions and liquidation of payment transactions and those associated with these proceedings.

Independent third party service providers with whom you ask us to share data with (or third parties authorized to give orders on your behalf) (for instance service providers to initiate payments or provide account information). If we share your data with these third parties, we do not have any control on the use of them by these parties. You (or third parties authorized to give orders on your behalf) would have to settle directly with these third parties.

Companies to which you made payments through your DenizBank account and need our help to make the payment to your account at their organization (like companies that offer public services). For instance, your personal data can be shared with Ministry of Treasury and Finance for your tax debt payments, with invoice production companies for invoice payments, with companies offering games of chance for lottery payments, with Directorate General for Highways, Turkish Post and private build/operate/transfer companies for bridge/toll payments, with persons and entities that you have relations with for your collections.

Our service providers and agencies (including their sub-contractors). Your personal data can be shared with support services companies, contracted consultants, institutions, parties, suppliers, outsource providers, cloud service providers, mobile service providers authorized by IT and Communications Authority, attorneys, law offices, notaries, company auditors, independent audit, rating and appraisal companies and other professional consultants and contracted companies that complement our bank services or act as an extension.

Your data can be shared with these persons and companies in order to design, develop and sustain internet based tools and applications; receive application or infrastructure (cloud) services; manage marketing activities or events and customer communication; prepare reports and statistics; confirm and detect contact information; printing materials and designing products; advertisements in applications and websites; receive legal, audit services or other specialized services; follow up and manage legal processes; audit our activities for legislative compliance; give postal services by our agencies; archive physical records; manage securitizations; offer or receive intermediary collection services.

Your personal data can be shared with our business partners who offer services with, agencies and brokers who act on our behalf or who we provide products and services collectively such as insurance and intermediary, agency companies to fulfil our obligations arising from intermediary, agency activities. (for instance, hotel or airline business partners, business partners for card programs or those that have their name or logos on our credit cards or debit cards). Your data can be shared with other service providers and agencies that serve on behalf of our business partners.

Insurance providers including insurers, claims specialists and other related third parties. When you request an insurance claim, information you give to us or the insurer can be logged in records. This data can be shared with other insurers.

General Directorate of the National Lottery: Your personal data can be shared with the General Directorate of the National Lottery if you join any campaigns or raffles offered by our bank.

Public Bodies and Authorities: If we are legally obliged, your data will be shared with BRSA, Personal Data Protection Authority/Board, CMB, CBRT, MASAK, Banks Association of Turkey, KOSGEB, Revenue Administration, Under-secretariat of Treasury, SSI, IT and Communications Institution, ministries, judicial bodies, police, public prosecutors, courts and arbitration/intermediary organs that are legally authorized public or private bodies and persons indicated in article 73 of banking law.

Your personal data can be shared for the sale of our receivables or for valuation studies of our shares with third parties, possible buyers and asset management companies after any DFSG company or debt is restructured, sold or acquired.

Your personal data can be shared with anyone we transfer or assign (or may transfer and assign) our rights and obligations, as much as permitted by terms and conditions in any of your agreements signed with us.

Your personal data can be shared with the consultants you authorized to represent you (accountants, attorneys and other professionals) or any other person you indicate as authorized to place orders on your behalf and utilize accounts, products and services (e.g. with Power of attorney).

Your personal data can be shared with Turkish and foreign regulatory authorities, police department and authorized bodies in relation to combating crimes (directly or through third parties like the credit bureau) or for social and economic statistical research. Payment details may also be shared (including information on other parties’ party to the payment).

Institutions that combat fraud: If you give us wrong or false information, we will notify this to institutions that combat fraud at all times. This will enable other organizations (within and outside of Turkey) including the police department to use this information to prevent and detect fraud and other crimes.

Risk centre or companies established by at least five banks or financial institutions (interbank card centre, credit bureau etc.): Your personal data can be shared to manage risk management and monitoring activities.

System integrations shared via public entities and institutions (ID Sharing System, Address Based Population Registration System, etc.): Your personal data can be shared to ensure that your applications are put into process accurately and to make enquiries in the systems for your security within the framework of know your customer obligations.

US and/or RU Corporations: If you are a natural or legal person from the USA and/or EU or if you transact in USA and/or EU  markets or if you are subject to USA and/or EU tax laws or for all other legal necessities, your account number, address, ID, occupation, account, transaction and data can be shared with the USA Dodd Frank (Dodd Frank Wall Street Reform and Consumer Protection Act) and FATCA (Foreign Account Tax Compliance Act), ISDA (International Swaps and Derivatives Association) and the European Union (EU) EMIR (European Market Infrastructure Regulation) and CRS (Common Reporting Standard) laws and other regulations, U.S. Internal Revenue Service (IRS),

European Securities and Markets Authority (ESMA) and/or all other relevant US and/or EU companies and enterprises and be processed by them for such purpose.

If you make any donations, your data can be shared with associations and foundations.

Your personal data can be shared with other third parties if you give explicit consent or upon your request.

Insured and Insurer: If you buy an insurance product within our Bank or our company group or through another company, your data can be shared with relevant insurance companies.

Domestic and international independent audit companies, rating agencies and specialized enterprises; Your data can be shared for audit, rating and credit restructuring processes and for executing assessments on the applicability of restructuring and detecting financial conditions.

If a loan you utilize from our bank is allocated to you through us indirectly from a foreign financial institution (EIB, EBRD, GGF, EFSE, IFC, EIF, AFD, Proparco; AIIB) or if funds that domestic financial institutions TKB, Turkish Eximbank, TSKB secure from abroad are allocated to you through us as an intermediating financial institution; your personal data can be shared with these financial institutions and the third parties to whom they are obliged to give information in order to carry out internal audit, internal control, risk management, risk monitoring, credit lending and credit restructuring activities.