Privacy Notice of Banco Delta, S.A.
1. Meaning of Privacy Notice.
A privacy notice is an official document that companies must make available to their customers, suppliers, employees and the general public via email, websites, print, digital media or telephone.
2. Content and updating of the Privacy Notice.
The Privacy Notice includes the purposes for which we request and process your personal data, the rights you have as a holder of personal data and the channels we make available to exercise them. In compliance with the principles, rights, obligations and procedures of Law 81 of March 29, 2019 on personal data protection, its regulations contemplated in Decree No. 285, Agreement No. 001-2022 of the Superintendency of Banks of Panama and adjusting to other special laws. The Privacy Notice of Banco Delta, S.A. may be updated from time to time at the discretion of Banco Delta, S.A., in accordance with the provisions of Law 81 of 2019, Decree No. 285, Agreement No. 001-2022 of the Superintendency of Banks of Panama on personal data protection, as well as any other applicable law, agreement or regulation, which will always be kept available, current and updated on our website.
3. Point of contact for the processing of your personal data
For any queries you may have regarding your personal data, you may contact us through Banco Delta, S.A.’s Data Protection Officer, as appropriate, through the following channels:
– E-mail: [email protected],
– Phone: 321-3300
– WhatsApp: 6990-3018
– Web site: https://www.bandelta.com
– Offices: Torre Banco Delta, Calle Aquilino de La Guardia y Via España, Piso x.
4. Purpose of your personal data.
At Banco Delta, S.A. we collect, use and process your personal data defined as data that identifies you or makes you identifiable (full name, identification number, email, cell phone, home and/or business phone and home and/or business address, geolocation data) by means of your prior consent or in compliance with contractual, legal and/or regulatory obligations. In the case of minors through a responsible parent or guardian of the minor.
When you provide us with your personal data, we may use it for the following contractual, legal and/or regulatory purposes necessary to contract our services:
– Capture, update or query data
– Collection of receivables
– Updating certain contracts or the terms and conditions of certain Products and/or Services, as permitted by law, regulation and as agreed with our customers.
– Conducting surveys related to products and/or services.
– Use of automated processes for data analysis.
– Compliance with contractual, legal, statutory and/or regulatory obligations.
When you provide us with your personal data we may use it for the following purposes by virtue of your consent, which you may revoke at any time by exercising your Right to Oppose, for the following:
– Marketing and loyalty campaigns through the Delta Amigos Program, for advertising, promotional and institutional purposes of the Bank.
– Invitations to Bank events.
– Offers and recommendations of products and services
– As well as any other use or communication related to the products and services offered by the Bank.
5. ARCO Rights.
The ARCO Rights are the rights that as the owner of your personal data you can exercise over your personal data, these are:
– Right of Access: All holders of personal data have the right to obtain their personal data that are stored or subject to processing in databases and to know the purpose and origin for which they were collected.
– Right of Rectification: Any holder of personal data has the right to request the correction of his or her personal data.
– Right of Cancellation: Any holder of personal data has the right to request the deletion of his or her personal data.
– Right of Opposition: Any holder of personal data has the right to refuse to provide or revoke their consent for justified and legitimate reasons.
– Right of Portability: Every holder of personal data has the right to obtain a copy of his or her personal data.
Requests received based on these rights will be dealt with in accordance with the provisions of Law 81 of 2019 and its regulations, on entities regulated by special laws.
6. Fraud prevention.
In order to provide you with greater security and prevent the occurrence of fraud, when exercising these rights, you must comply with the security requirements of Banco Delta, S.A., as applicable, for the verification and validation of your identity and that entail economic or reputational losses to the entity or its customers.
The processing operations involved in the fight against fraud are:
– Verify the identity of customers who interact with the entity to prevent fraudulent access to information or operations.
– Review and analyze the contracts and operations that are carried out in our systems to protect our customers from fraud in any channel and prevent cyber-attacks.
– To check your identity and the validity of the identification documents provided to the national and international databases managed by law enforcement agencies and similar organizations such as INTERPOL (International Criminal Police Organization), to validate that you are the holder of the identification document you provide and to protect you from fraudulent impersonation (someone else impersonating you).
– To consult the information included in the Fraud Prevention Service of our entity, to detect fraudulent accounts, and to communicate, if necessary, their fraudulent operations.
7. Obligations as holder of personal data.
As a holder of personal data you have the following obligations:
– Deliver truthful and accurate information.
– Communicate any changes to this information in order to keep it up to date.
– Keep your information safe, avoiding its improper or unauthorized use.
Banco Delta, S.A. may carry out the steps it deems necessary to validate its information, adopting the corresponding due diligence measures and in accordance with the provisions of Law 81 of 2019 and the regulations that develop it.
8. Information Requirements.
When the data is obtained directly from the owner, the data controller, at the time the data is obtained, will provide all the information indicated below:
1. The identity and contact details of the data controller.
2. The purpose or purposes of the processing for which the personal data will be used; where the controller intends to further process personal data for a purpose other than that for which they were collected, the controller shall provide the data subject, prior to such further processing, with information about that other purpose and any additional relevant information.
3. The condition that legitimizes the treatment confom1e to articles 6, 8 and 33 of Law 81 of 2019. Where the processing is based on the data subject’s consent, the data subject must be informed of his or her right to revoke consent at any time, without this having retroactive effect; where the processing of personal data is a legal requirement or a necessary requirement to enter into a contract, this shall be stated and where the processing is based on the legitimate interests of the controller or a third party, pursuant to Article 8 of Law 81 of 2019, it shall be detailed what these interests are.
4. The recipients or categories of recipients of personal data, if any.
5. The controller’s intention to transfer personal data to a third country, as well as the condition provided for in Article 33 of Law 81 of 2019 that is applicable.
6. The period for which your personal data will be kept or, where this is not possible, the criteria used to determine this period.
7. The existence, form and mechanisms or procedures through which you may exercise your rights of access, rectification, cancellation, opposition and portability.
8. The existence of automated decisions, including profiling, as referred to in Article 19 of Law 81 of 2019, and, at least in such cases, meaningful information about the logic applied, as well as the significance and expected consequences of such processing for the data subject.
9. The contact details of the personal data protection officer.
Where the personal data have not been obtained from the data subject, the controller shall provide him/her, in addition to the information referred to in this Article, with the information concerning the category of data concerned and the source from which the personal data originate and, where appropriate, whether they originate from publicly available sources.
9. Procedure for requesting Banco Delta to unsubscribe from receiving certain information
You may request that Banco Delta stop sending you certain institutional and/or promotional communications. However, there is information and communications related to contractual, normative, regulatory matters and/or that by virtue of Law are mandatory for Banco Delta, S.A., so you cannot unsubscribe from them, that is, you must receive them in order to continue using certain products and/or services.
10. Protection measures of Banco Delta on your personal data.
Banco Delta, S.A., respectively, has a Privacy and Data Protection Policy and an Operating Manual detailing the protocols, processes and procedures for the secure treatment of your personal data, always ensuring their due protection, in accordance with the provisions of Law 81 of 2019 and the regulations that develop it.
11. Processing of your personal data.
Your personal data will be treated confidentially. By virtue of this, Banco Delta implements various measures in order to ensure the security, protection and avoid the alteration, loss, access or unauthorized processing of your personal data. We will not use for this processing data containing information revealing your racial or ethnic origin, your political opinions, your religious or philosophical beliefs, your trade union membership, the processing of genetic data, biometric data intended to uniquely identify you, data concerning your health or data concerning your sexual life or orientation. This data will be voluntary and will only be used if you give us this consent.
12. Time of conservation of your personal data.
Depending on the product or service that you maintain with Banco Delta, S.A. the time of conservation of your personal data may vary. We will retain your personal data for as long as the product and/or service you have contracted is active. Banco Delta, S.A. is obliged to maintain and keep this information in accordance with the provisions of the law applicable to each sector, the regulations that develop them, the agreements that are applicable to it, as well as their future amendments, and acting in compliance with the provisions of Law 81 of 2019 and the regulations that develop it.
13. Transfer of personal data.
Your personal data will only be transferred to third parties, such as suppliers, consultants, auditors, accountants, domiciled in Panama or in other jurisdictions, under the following conditions:
– If we have your prior consent,
– If it is necessary for the maintenance or fulfillment of the contract and provision of the contracted service,
– By legal obligation or authority, or
– At the request of a competent authority.
