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Privacy Conditions and Protection of Personal Data

In light of the increasing complexity and variability that comes with digital transformation, our bank is committed to continually strengthening its security systems to ensure information security and, particularly, to maintain the highest level of defense against cyber threats.

To ensure more effective management of information security across the bank in line with international standards, we have completed the certification process in previous years and are currently auditing our compliance with the ISO 27001 Information Security Management System.

We are informing our customers in compliance with the Personal Data Protection Law, providing clear consent options, and facilitating the creation of a personal data inventory. Additionally, at specified intervals, we proactively inform our customers through SMS and email about data security, fraud prevention methods, and the protection of customer data.

In order to enhance our technological infrastructure and foster an effective and efficient security culture, we regularly conduct vulnerability scanning tests and Information Technology Risk Analysis within the scope of our behavior-based Advanced Persistent Threat (APT) prevention system and zero-day malware detection systems, which were implemented in previous years.

    T. Vakıflar Bankası T.A.O. (“VakıfBank”), prioritizing contemporary and innovative banking practices, customer satisfaction, and security, facilitates its customers' access to various banking services offered through various electronic platforms. These electronic platforms encompass remote access to all types of banking services conducted through electronic and/or telecommunication devices, including the website located at www.vakifbank.com.tr, internet/mobile banking branches, ATMs, and the Customer Communication Center, both currently active and those that will be activated in the future in line with technological advancements.

    VakıfBank is committed to preserving the confidentiality of information acquired about its customers, including that obtained during the use of these electronic platforms, in a manner respectful of their personal rights and within the framework of this 'Privacy Policy'.

    VakıfBank takes the necessary security measures on its information systems to prevent any unauthorized access, which includes preventing these details from being viewed or altered by other service beneficiaries.

    VakıfBank conducts all actions related to the acquisition, usage, storage, and sharing of customer information in accordance with the provisions of Law No. 5411 on Banking, Law No. 6698 on Personal Data Protection, and related regulations.

    Within this scope, all information concerning customers is acquired, used, stored, and shared with third parties when necessary to provide services, for the purpose of delivering a better banking experience to our customers, and to fulfill obligations clearly defined in the law. Except in cases of sharing made under the relevant legal provisions and situations where customers have specific requests and instructions, customer information is not shared with third parties. VakıfBank commits to ensuring that the information security policies and standards of third parties, with whom information is shared either as a mandatory step of the service to be provided to the customer or at the explicit request and instruction of the customer, are at least at the same level as its own.

    In addition to these principles, in the case of personal information of individual customers, the information is only processed for the purpose of providing the service requested by the customer. In the absence of explicit consent from the customer, it is not used for marketing or product promotion activities that extend beyond the scope of the service request. VakıfBank will inform the relevant customers in accordance with the provisions of Law No. 6698 in cases where personal data is maliciously and unlawfully obtained by unauthorized individuals.

    You can access detailed information on how VakıfBank processes the personal information of individual customers under the heading 'Information on the Processing of Personal Data' in our 'Personal Data Processing Disclosure'.

    Furthermore, certain electronic service channels within our network may periodically offer connections to external electronic platforms, including third-party websites, not directly associated with VakıfBank. The commitments and principles detailed in VakıfBank's Privacy Policy are specific to VakıfBank's electronic service channels and do not encompass other third-party environments. The use of other electronic platforms reachable through the link may come with different and unique privacy assurances and usage terms, which might equate to a lower level of security than what VakıfBank provides."

    Consequently, T. Vakıflar Bankası T.A.O. shall not be held responsible for the information usage, ethical standards, privacy principles, quality, or any material/psychological damages and losses that may arise within these third-party electronic platforms accessed for advertising, banners, content, or any other purpose through our electronic service channels. Every customer utilizing VakıfBank's electronic service channels is considered to have committed to and accepted the terms specified above.

    VakıfBank customers can obtain information about account deletion procedures from the Customer Communication Center and branches, and if they submit their requests through a branch, they can complete the account deletion procedures.


    Device Authorizations
    For your protection, we request authorizations to prevent the VakıfBank Mobile Banking application from being used in fraudulent transactions and to ensure that the application can only be accessed with your device. The Authorizations granted by you will not be used to access your phone book or other personal information and documents. Detailed information on authorizations can be found below.

    • Phone authorizations: You can call VakıfBank Customer Contact Center through the application,
    • Location Authorization: You can authorize us to access your location information for the purpose of displaying the nearest branches and ATMs on the 'Nearest VakıfBank' screen, as well as to keep you informed about location-based opportunities, offers, discounts, and campaigns. You have the option to disable location sharing authorization from your phone settings at any time. Even when you are not using VakıfBank Mobil, we obtain the location sharing authorization necessary to deliver location-based opportunities to you. This permission can be granted and confirmed when you access VakıfBank Mobil, and it can be deactivated at any time through VakıfBank Mobil as well.
    • Authorization to access Google services: Showing the nearest branches and ATMs on Google Maps,
    • Network connections and WiFi connection authorizations: You can use the app by connecting to the internet,
    • SMS reading authorization: Automatic entry and verification of the passwords we send via SMS,
    • Photo/Media content authorization: Ability to store images within the app on the phone to improve app performance,
    • Identity authorization: Required to access Google services and to receive Pocket Signature notifications.

    This text has been prepared by T. Vakıflar Bankası T.A.O. ('VakıfBank') in its capacity as the data controller, in accordance with Article 10 of Law No. 6698 on the Protection of Personal Data ('Law'), the Communiqué on the Procedures and Principles to be Followed in Fulfilling the Obligation to Inform ('Communiqué'), and the Guide on Cookie Practices ('Guide').
    What is a Cookie?
    A cookie is a type of identification file given to the visitors' computers or mobile devices by websites, in the form of small-sized data files. It enables the recognition of computers when the website is visited again. Websites, by reading these data files created by users when they first connect, gain the ability to work more efficiently, quickly recognize the users, and load user settings such as site language in a fast manner during subsequent visits. The use of these technologies is conducted in compliance with the legislation to which we are subject, primarily Law No. 6698 on the Protection of Personal Data ('PDPL').

    Cookies help the website remember information about your visit (e.g., your preferred language and other settings). They can provide convenience on your next visit and make the site more practical and faster for you.

    Through this Cookie Policy, we aim to provide information to members/visitors ('Data Subjects') on the purposes for which we use cookies during the administration of VakıfBank's websites and the types of cookies used, as well as how you can manage these cookies concerning the processing of personal data obtained during the use of cookies.

    For detailed information on the processing of your personal data, you can read Clarification Text On The Protection And Processing Of Personal Data Of Turkiye Vakiflar Bankasi Turk Anonim Ortakligi

    What Are the Types of Cookies?
    Cookies are categorized into temporary and permanent cookies based on their validity periods. Temporary cookies are data files that are generated during a user's visit to a website, storing the user's preferences during that visit and automatically deleting when the visit ends and the user leaves the site. Temporary cookies are data files that are generated during a user's visit to a website, storing the user's preferences during that visit and automatically deleting when the visit ends and the user leaves the site. The user preferences stored in this data file are read from it quickly during the user's next connection and are loaded, enabling the user to have a faster and more efficient website experience.

    In VakıfBank websites and mobile applications, both temporary and persistent cookies can be used for the following purposes:

    • Ensuring site security management; for instance, avoiding the need for logged-in users to re-enter their passwords when visiting different pages on the site during the same session.
    • Ensuring the functions of the site or application work as intended; for example, remembering the user's username or search queries on their next visit to the site.
    • Monitoring and maintaining the performance of the site or application at a high level; these are cookies that collect information about page visit intervals, potential error messages, and the total time users spend on the respective pages, in addition to user behavior on the site, to enhance the performance of the bank's website.
    • Saving time for users by remembering their preferences; for instance, displaying pages or icons related to visitors' areas of interest based on the pages and products they have viewed.

    Are Cookies Mandatory?
    Internet browsers on computers or mobile devices allow cookies by default. These cookie settings enable websites to utilize this feature to enhance the user's experience. Users can adjust their cookie settings or completely block cookie usage through methods that differ according to the type of internet browser on their devices. The method for changing the selection of cookie usage varies depending on the type of browser and can be learned from the respective service provider when requested.

    Similar to cookies used on other websites, users of VakıfBank have the option to selectively or entirely block the use of cookies when they so choose. However, the majority of our cookies are designed to ensure the proper functioning of the website or application, and blocking them may lead to the disruption of certain functions. Therefore, it is not recommended.

    Cookies Used on Our Website
    The types of cookies used on our website are as follows.
    Essential Cookies
    The use of a certain type of cookies is required for the proper functioning of our site. For example, the identity verification cookies that come into play when you log in to our website ensure that your session remains active as you navigate from one page to another on our site.

    Other Cookies
    Functionality and Preference Cookies
    These cookies enhance the personalization of services provided on our site for you by recalling your preferences and selections.
    Performance and Analysis Cookies
    Through these cookies, we can analyze your use of our site and its performance, enabling us to improve the services we provide to you.
    Targeting or Advertising Cookies
    We do not use cookies for product and service promotion or marketing activities on our website.
    Do VakıfBank Cookies Store My Confidential Information?
    VakıfBank does not store users' confidential information through cookies. Cookies solely contain information pertaining to your browsing history and do not access files stored on your computer or mobile device.
    How can cookie preferences be controlled?
    Cookie use is predefined in many browsers. Users can change this selection status in the browser settings. Therefore, the user can also delete existing cookies and refuse the storage of future cookie uses. So, if cookie use is canceled, it may not be possible to benefit from some features in the Bank's systems.

    Changing the cookie use selection method varies depending on the browser type, and the methods for some service providers are as follows.

     
    Google Chrome By clicking on the "lock sign" in the address section of your browser, you can allow or block cookies from the "cookies" tab.
    Internet Explorer By clicking on the security tab in the "Tools" section at the top right of your browser, you can manage cookies as "allow" or "do not allow".
    Mozilla Firefox Click on the "open menu" tab in the upper right corner of your browser. By clicking on the "Options" image, you can manage cookies using the "Privacy and Security" button.
    Opera By selecting "Advanced" in the "Preferences" section of your browser, you can manage cookies in the "cookies" section.
    Safari Select the "Safari" tab from the "Settings" section of your mobile phone and you can manage all your cookies from the "Privacy and Security" section.
                    

    What are the Rights of the Data Subject?
    Pursuant to Article 11 of PDP Law, you may make requests regarding the following issues regarding your personal data by applying to our Bank:

    a. To learn whether personal data is being processed, 
    b. If personal data has been processed, to request information about it, 
    c. To learn the purpose of processing personal data and whether it is being used for that purpose, 
    d. To learn the third parties to whom personal data is transferred, whether domestically or abroad, 
    e. To request the correction of personal data if it is incomplete or incorrect and, in this context, to request the notification of this correction to the third parties to whom personal data has been transferred, 
    f. To request the deletion, destruction, or anonymization of personal data if the reasons requiring processing have ceased and, in this context, to request the notification of this process to the third parties to whom personal data has been transferred, 
    g. To object to an adverse result arising from the analysis of processed data exclusively through automated systems, 
    h. To request compensation for the damages you incur as a result of the unlawful processing of your personal data.

    You may convey your requests pertaining to the aforementioned rights through the 'Personal Data Subject Application Form,' accompanied by identity verification documents. These can be submitted either in person at our branches or through a notary. Alternatively, you can send them securely with an electronic signature to the address 'Finanskent Mahallesi Finans Caddesi No:40/1 Ümraniye/İstanbul' or to the email address vakifbank@hs01.kep.tr. Our Bank will finalize your application requests free of charge within 30 (thirty) days at the latest, depending on the nature of the request, in compliance with Article 13 of the PPD Law. In case the request is rejected, the reason(s) for the rejection shall be notified to you in writing or electronically.
    Application address :
    Türkiye Vakıflar Bankası T.A.O.
    Finanskent Mahallesi Finans Caddesi No:40/1 Ümraniye/İstanbul
    Phone: +90 216 724 10 00
    Fax: +90 216 724 39 09
    Bank's Registered Electronic Mail (KEP) address: vakifbank@hs01.kep.tr

Information On The Protection Of Personal Data Law (23.01.2024)
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Information On The Protection Of Personal Data Law (15.04.2020)
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