Privacy statement

Through these Privacy Regulations SNS REAAL aims to provide clarity on how it uses your personal data. Several business units form part of SNS REAAL N.V. These business units assigned SNS REAAL as the party responsible for the processing of its clients' personal data*.

Our privacy policy

We respect the privacy of the visitors to our website. Personal data are processed in accordance with the Dutch Personal Data Protection Act ('WBP') and the Code of Conduct for the Processing of Personal Data by Financial Institutions ('Code of Conduct'). The Code of Conduct fleshes out the WBP specifically for banks and insurers. The Code of Conduct can be downloaded at the website of the Netherlands Bankers' Association (www.nvb.nl, under 'Infobalie/regelingen') and at the website of the Dutch Association of Insurers (www.verbondvanverzekeraars.nl).

SNS REAAL has reported its processing of personal data to the Dutch Data Protection Authority ('CBP'). These reports are included in the public register of the CBP; see www.cbpweb.nl.

What are the purposes for processing these data?

Upon the request (whether or not through a consultant) for a financial product and/or financial service, you are asked to state your personal data and any other data. These data shall be used by the business unit in question, or any other business units that are part of SNS REAAL*, to process your request, conclude and perform agreements with regard to financial products and/or financial services, and statutory regulations. Your data may be shared with carefully selected business partners if legally permitted. Your data may also be used for other activities that support business operations, to prevent fraud, perform statistical analyses and inform you about other products and services. You, as a client of one particular business unit, are therefore also considered a client of the other SNS REAAL business units listed below.

Please note that your data can be collected by the US authorities within the context of the prevention of terrorism if you make international payments using the SWIFT banking network.

* The following business units are currently part of SNS REAAL (July 2011): SNS Bank N.V. (also operating under the name of SNS Fundcoach), SNS Securities N.V., ASN Bank N.V., ASN Groenbank N.V., BLG Hypotheekbank N.V., SNS Property Finance B.V., SNS Asset Management N.V., SNS Securities N.V., REAAL N.V., SRLev N.V. (also operating under the name Zwitserleven en REAAL)., REAAL Schadeverzekeringen N.V., Proteq Levensverzekeringen N.V., Proteq Schadeverzekeringen N.V., RMl B.V., SNS Verzekeringen N.V.

Processing specific data

A business unit sometimes requires specific data from you due to the nature of its services. This may include data regarding your health upon your request for certain financial products and/or financial services. If information from a GP is also needed, we will always first ask your permission. The business unit is then required to inform you why it needs this information and which specific data are needed.

Another example concerns data about criminal offences. Some agreements may require you to provide information on your criminal record, if you have any. In that event, the business unit will only ask for information on your criminal record relating to the past eight years prior to your request for a financial product and/or financial service.

Recording communications

Business units record certain communication to verify and inquire into instructions and transactions, for example, upon the sale or purchase of securities. In addition, they record communication if this is considered necessary with a view to the prevention of fraud, or for training, coaching and/or assessing personnel. You, as a client, are entitled to listen to or receive a transcription of the recorded conversation, if possible. The records and transcriptions are not retained longer than is strictly necessary for the above purposes.

Using this website

SNS REAAL has taken appropriate measures to secure your visit to and the use of our website and to prevent abuse. All persons who can access your data are bound by an obligation to observe confidentiality.

If you visit our website to obtain information, visitors' data can be collected and saved in order to improve the website's user friendliness.

Hyperlinks

Our website may contain hyperlinks to other websites. We do check the connection to these websites, but we cannot be held responsible for the content and privacy aspects of these websites. These Privacy Regulations do not relate to websites for which a hyperlink has been provided.

Inspecting, correcting and changing personal data

You are entitled to ask which information SNS REAAL is processing about you. We must then provide you with an overview of your data within four weeks. We may charge a fee for this request.

If you are of the opinion that the personal data relating to you are incorrect, incomplete or irrelevant to the purpose for which they have been collected or are otherwise in contravention of a statutory rule, you are entitled to ask us to correct, supplement, remove or secure the personal data relating to you.

In these cases, please contact:

SNS REAAL
Corporate Communication Department
P.O. Box 8444
3503 RK Utrecht

New developments

We may amend the text of these Privacy Regulations in view of new developments, for example, in the context of changing business operations. It is therefore recommended that you regularly check this text if you are visiting this website.

Questions?

If you have any questions regarding these Privacy Regulations, please contact:

SNS REAAL
Corporate Communication Department
P.O. Box 8444
3503 RK Utrecht