Data Protection and Privacy

The Data Controller is:
UniCredit Bank Austria AG
Rothschildplatz 1
1020 Vienna, Austria
Telephone: +4350505-0
Fax: +43 50505-56155
Email: info@unicreditgroup.at

The data protection officer at UniCredit Bank Austria AG is: 
Jochen Hauser
PO Box 580
1011 Vienna
Telephone: +43 50505-32836
Email: datenschutz@unicreditgroup.at

We process the personal data that we receive from you as part of the business relationship. We also process data that we have legitimately received from credit agencies¹, debtor registers² and from publicly available sources (e.g. Commercial Register, Register of Edicts, of Register of Associations, land register, media, Central Residence Register).

These personal data include, pursuant to Art. 13 of the GDPR, your personal details (name, address, contact details, date and place of birth, nationality, etc.), credentials (e.g. ID data) and authentication data (e.g. specimen signature). In addition, this may include order data (e.g. payment orders), data from the fulfilment of our contractual obligation (e.g .turnover data in pay-ment transactions), information about your financial status (e.g. creditworthiness data, scoring or rating data, etc.), advertising and sales data, documentation data (e.g. consulting records), data from signing on sign pads (e.g. writing speed), register data, image and sound data (e.g. video or telephone recordings), information from your electronic communication to the bank (e.g. apps, cookies, etc.)

These personal data include, pursuant to Art. 14 of the GDPR, data from the fulfilment of our contractual obligation (e.g. turno-ver data in payment transactions), information about your financial status (e.g. creditworthiness data, scoring or rating data, etc.), information about legal function in companies, register data (e.g. company register, land register, Central Residence Register), information from your electronic communication to the bank (e.g. apps, cookies, etc.), processing results generated by the bank itself as well as data for compliance with legal and regulatory requirements.

¹ CRIF Gmbh
² Kreditschutzverband von 1870

We process your personal data in accordance with data protection regulations:

• For the fulfilment of contractual obligations (Art. 6 (1) lit b GDPR):
  The processing of personal data (Art. 4 (2) of the GDPR) is carried out for the provision and arrangement of banking, financial services and insurance, leasing and real estate business, in particular for the execution of our contracts with you and the execution of your orders and all activities required for the operation and management of a credit and financial services institution.
  The purposes of data processing are primarily based on the specific product (e.g. account, credit, building society savings, securities, deposits, brokerage) and can include, among other things, needs analyses, the provision of advice asset management and support as well as the execution of transactions. The specific details for the purpose of data processing can be found in the respective contract documents and terms and conditions.
   
• For the fulfilment of legal obligations (Art. 6 (1) c GDPR):
  Processing of personal data may be necessary for the purpose of fulfilling various legal obligations (such as from the Banking Act (BWG [Bankwesengesetz]), Financial Market-Money Laundering Act (FM-GwG [Finanzmarkt-Geldwäschegesetz]), Sanctions Law (SanktG [Sanktionengesetz 2010]), Securities Supervision Act (WAG [Wertpapieraufsichtsgesetz]), Stock Exchange Act (BörseG [Börsengesetz]), etc.) as well as regulatory requirements (such as of the European Central Bank, the European Banking Supervisor, the Austrian Financial Market Authority, etc.) to which UniCredit Bank Austria AG is subject as an Austrian credit institution. Examples of such cases:
  • Identity verification, Know Your Customer process, monitoring of financial transactions, suspicious activity reports;
  • Conducting sanctions audits;
  • Compliance with sanctioning rules (data processing to avoid insider-trading, conflicts of interest and market manipulation, disclosure to the FMA (Finanzmarktaufsicht, Austrian Authority Body) according to the Securities Supervision Act and The Stock Exchange Act e.g. to monitor compliance with the provisions on market abuse of insider information);
  • Recording of Phone calls und electronic communication concerning bonds (MIFID II);
  • Provision of information to public prosecutors, courts and to financial criminal authorities in the context of financial criminal proceedings for an intentional financial offence;
  • Provision of information to federal tax authorities pursuant to § 8 of the Account Register and Account Inspection Act (Kontenregister- und Konteneinschaugesetz), as well as reports to the account register and reports of capital outflows;
  • Risk management and due diligence (§ 39 Banking Act);
  • Handling of complaints concerning Data Protection (GDPR);
  • Detection of unauthorisied, fraudaulent or suspicious financial transactions (§ 39 Banking Act, § 16 Finan-cial Market-Money Laundering Act, Art 2 (2) c) and d) EU 2018/389)
  • Accounting, Controlling and Compliance with tax regulations (e.g. Banking Act, Income Tax Law)
  • Disclosure of information on the identity of shareholders (§ 10a AktienGesetz [Companies Act]).
     
• Within the scope of your consent (Art. 6 (1) lit a GDPR):
  If you have granted us consent to process your personal data, processing will only take place in accordance with the purposes set out in the declaration of consent and to the extent agreed therein. Any consent given may be revoked at any time with future effect (for example, you may object to the processing of your personal data for marketing and advertising purposes if you no longer consent to processing in the future).
   
• For the protection of legitimate interests (Art. 6 (1) f GDPR):
  If necessary, within the framework of balancing of interests of UniCredit Bank Austria AG or a third party, data may be processed, by us or by third parties, beyond the actual fulfilment of the contract, in order to safeguard legitimate interests.
  
  In the following cases, data are processed to safeguard legitimate interests:
  • Consultation of and data exchange with credit agencies (e.g. Austrian Credit Protection Association 1870) for the identification of credit risks and default risks;
  • Assessment and optimization of methods and models, analyzing of needs and business control, product development and customer contact;
  • Advertising or market and opinion research, provided that you have not objected to the use of your data in accordance with Art 21 of the GDPR;
  • Video surveillance for the collection of evidence in the case of criminal offences or for the proof of dispositions and deposits (e.g. at ATMs); these especially serve to protect the customers and employees;
  • Telephone records (e.g. in case of complaints);
  • Writing speed, pressure strength curve when using the sign pad to make signatures forgery-proof;
  • Process management and quality management, e.g. recording of phone calls for purposes of professional training and quality assurance purposes;
  • Measures for protecting employees and customers and the property of the bank;
  • Measures for the prevention and combating of fraud (Fraud Transaction Monitoring);
  • Queries to the suspicious activity database of the banking and financial institutions of CRIF GmbH³ in order to protect us and other banks/financial institutions from possible fraud/attempted fraud or reputational damage;
  • In the context of legal prosecution.

• ³The suspicious activity database for banking and financial institutions records and processes suspected cases of fraud and attempted fraud in accordance with Sec 146 et seq. of the Austrian Criminal Code (StGB) and similar criminal offenses that are identified during the business relationship or during its initiation. This database is managed by CRIF GmbH as a processor. If banks and financial institutions use this database, they can also receive data that allows them to check at the beginning of a business relationship with customers whether fraud attempts have been made in the past.

Your data is received by those offices or employees that need it for fulfilling contractual, legal and regulatory duties and for legitimate interests. Outside UniCredit Bank Austria AG Bank Auditors, Annual Auditors, Lawyers, Tax Consultants, Trustees and Payment Services will receive your data if it is necessary to fulfil their duties. Furthermore, data processing companies commis-sioned by us (especially IT service providers, back-office service providers and service line) receive your data as long as they need them for fulfilling their respective service. These processors or their sub-processors may be located in third countries. The trans-fer of your data to these third countries takes place either on the basis of an adequacy decision of the European Commission or the application of EU standard contractual clauses and appropriate and adequate safeguards. Accordingly, all the data pro-cessing companies are contractually obligated to keep your data confidential and to process it only in the context of service provision.

The public authorities and institutions (such as European Banking Authority, European Central Bank, Austrian Financial Market Authority, tax authorities, etc.) and the UniCredit S.p.A. as our parent company can be recipients of your personal data if there is a legal or regulatory obligation.

With regard to the disclosure of data to other third parties, we would like to point out that UniCredit Bank Austria AG, as an Austrian credit institution, is obliged to observe banking secrecy pursuant to § 38 of the Austrian Banking Act and is therefore obliged to maintain confidentiality about all customer-related information and facts that have been entrusted to us or made accessible to us as a result of the business relationship. Therefore, we can share your personal data only if you have explicitly released us from banking secrecy in writing in advance or if we have a legal or regulatory obligation or authorisation for it. In this context, recipients of personal data can be other credit and financial institutions or similar institutions to which we send the data in order to maintain the business relationship with you (depending on the contract this can be for example, correspondent banks, stock exchanges, custodian banks, credit service agencies etc.).

As far as it is necessary, we process your personal data for the duration of the entire business relationship (from the initiation, performance until the termination of a contract) and furthermore, we process it according to the legal safekeeping and docu-mentation obligations resulting from the Austrian Commercial Code (§ 212 UGB), the Federal Fiscal Code (§ 132 BAO), the Financial Market Money Laundering Act (§ 21 FM-GwG) and the Securities Supervision Act (§ 33 WAG).

You have the right to obtain information, correction, deletion or of the processing of your stored data at any time, the right to object to processing and a right to data portability in accordance with the requirements of data privacy laws which you can address to the data protection officer of UniCredit Bank Austria AG. When you assert your rights, we might ask you to confirm your identity in case of doubt. We do this for your protection, so that your data will not be accessible to third parties.

The data protection officer at UniCredit Bank Austria AG is:
Jochen Hauser
Postfach 580
1011 Wien
Telefon: +43 (0)50505-32836
E-Mail: datenschutz@unicreditgroup.at

You can also submit complaints to the Austrian Data Protection Authority:
Österreichische Datenschutzbehörde
Barichgasse 40-42
1030 Wien
https://www.dsb.gv.at

According to Art. 13 of the GDPR, we hereby inform you that in the context of the business relationship, you must provide personal data which is necessary to establish and maintain the business relationship, as well as the information which we are legally required to collect. If you do not provide us with this data, we will usually have to refuse to conclude the contract or execute the order or will no longer be able to fulfil an existing contract and consequently have to terminate it. However, you are not obliged to give consent for processing of any data that is not relevant or not required for legally and/or in regulatory terms for fulfilling the contract.

We do not use automated decision-making as defined under Article 22 of the GDPR to reach a decision on the establishment and conduct of the business. A credit assessment (credit scoring) is made for loan disbursement. The default risk of credit seekers is assessed with the help of statistical comparison groups. The calculated score should make it possible to predict how likely it is that the applied-for loan will be repaid. To calculate this score, your master data (e.g. marital status, number of children, duration of employment, employer, etc.), information of your overall financial situation (e.g. income, assets, monthly expenses, total liabilities, collaterals etc.) and your payment history (e.g. proper loan repayments, warnings, information on credit service agencies) are used. If the default risk is too high, the credit application is rejected, if applicable, an entry is made in the consumer loan register maintained by KSV 1870 and an internal warning notice is entered. If a credit application has been rejected, this is visible for 6 months in the consumer loan register maintained by KSV 1870 in accordance with the decision of the data protection authority.

To make the user experience of our website as convenient as possible, we use so-called cookies. Cookies are small text files which enable the system to recognize a returning user. These cookies include cookies that are prerequisite for the usage, cookies that are used statistically to analyse the usability of the page control elements, and cookies for comfort settings that enable you to make the best possible use of our website . Further information on these cookies can be found below. The information stored does not contain any personal data and cannot be traced back to individuals.

For this purpose, we have commissioned various service providers (for example, Adobe Analytics [Omniture], Adform, Google Ads and DV360, and Durchblicker.at [YOUSURE Tarifvergleich GmbH]) to record information using cookies on the websites of www.bankaustria.at, but not in connection with Bank Austria online banking, BusinessNet online banking, or SmartBanking. Our service providers only receive anonymous data. 
As a result of this process, UniCredit Bank Austria AG receives statistical analyses which are used to evaluate the need-based design of our web presence.

Cookies are generally only set on the website of UniCredit Bank Austria AG if the user has given his/her consent for this. Technically necessary cookies that are required for the website to function correctly are excepted from this.

You can centrally manage and deactivate your cookie settings for statistics and comfort settings if necessary. Please note that in the case of deactivation, not all functions of our website will  be fully available.

Privacy Center

Here you will find further information on cookies.

The UniCredit Bank Austria website uses Google Maps, in particular during searches for branch offices. Google Maps is operated by Google Inc. By using this website, you agree to allow Google, its representatives or third-party providers, to collect, process and to use data which is collected automatically or entered by you.
You can find a summary here of the data which is transferred when using Google Maps: https://www.google.com/intl/de_ALL/policies/privacy/ – in addition to the IP address, other items are also included, such as smartphone GPS data, if one is used for the search, or details of the search activity.

The UniCredit Bank Austria website integrates YouTube videos stored at www.youtube.com, which are therefore playable on the website. YouTube is operated by Google, Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA. The videos are integrated with the "Extended Data Protection Mode", which means that no data about you as a user is transmitted to YouTube if you do not actively play the videos. If you actively click on the video, data is transmitted to Google Inc.
In this case, whether you are logged into your Google account makes a difference. If you are not logged into a Google account, Google Inc. stores data with unique identifiers associated with the browser, app, or device that you are using. Google Inc. can thereby ensure, for example, that your language settings are retained for all browser sessions. If you are logged into a Google account, Google Inc. also collects data, which are stored in your Google account and considered personal data.

For more information, please refer to the data protection declaration of Google: https://www.google.com/intl/de_ALL/policies/privacy/

UniCredit Bank Austria AG collaborates with the following providers of social media networks:
Twitter Inc., San Francisco, California, United States, XING SE, Hamburg, Germany, and LinkedIn Inc., Sunnyvale, California, United States.
In the course of this collaboration, when using the respective service, your browser will automatically connect to the service provider selected (such as LinkedIn). In this case, data such as your IP address, cookies and other information will be transmitted to the respective service provider if you have previously visited its website. Where possible, we will prevent this data transfer from taking place and it will only occur if you interact with the social media network. If you are logged into the social media network concerned, it can assign your visit to our website to your user account.

In addition, we use plugins for various platforms (such as the LinkedIn symbol). By clicking on the respective symbol, you agree to allow communication with the respective platform, including the transfer of information (such as your IP address) to the service provider concerned. For further information on how your data is used in such cases, kindly read the Data Protection Declaration of the service provider you have connected to.

You can find the Data Protection Declaration of Twitter here: https://twitter.com/en/privacy
You can find the Data Protection Declarations of XING here: https://privacy.xing.com/en/privacy-policy
You can find the Data Protection Declarations of LinkedIn here: https://www.linkedin.com/legal/privacy-policy?_l=en_EN

The security of your data is our highest concern. Our stated aim is to take all technical and organisational measures required to ensure that our data processing is carried out in a secure manner and to process your personal data in such a way that it is protected from access by unauthorised third parties.
We make sure our IT infrastructure complies with the highest international security standards by using the most up-to-date security software, codes and encryption procedures.
In addition we enhance the security of your data by using risk minimisation measures and preventive safeguards. Furthermore, all of our users have the option to obtain information about current topics at no charge and without obligation by using the purpose-built security portal