Privacy Notice on the Protection of Personal Data

• Performance of our contractual and legal obligations fully and as required;
• Compliance with both national and international principles and rules, and performance of our information storage, reporting and information obligations arising out of the laws or stipulated and imposed by official authorities;
• For the sake of client, Bank and data security purposes, to carry out identification steps and procedures, and controls aiming to prevent money laundering, bribery, fraud and other financial crimes and related sanctions, and to record and report the results of such controls, and to send and deliver suspicious transaction notifications;
• To meet the requests of official bodies and authorities relating thereto;
• To plan, supervise, audit and perform information security processes;
• To make the banking services fit and convenient for access and use by the disabled clients;
• To conduct reporting, audit and supervision activities;
• To perform creditworthiness assessments, and to monitor, follow up and check the credit monitoring and repayment processes;
• To prepare account extracts and investment extracts and send them to clients, and to record the voice calls;
• To manage the legal, financial, commercial, compliance and reputation risks;
• To assess and reply advices, suggestions, requests and complaints transmitted by any types of channels whatsoever;
• To follow up the financial and accounting operations and to issue financial and commercial reports; and
• Within the frame of provisions of the Banking Law no. 5411, to exchange information with the specified bodies and authorities, banks, prospective buyers or risk centre; and to prepare and issue the consolidated financial statements of parents; and to conduct and manage the risk management and internal audit practices; and to carry out the assessments needed for sale of the Bank’s assets, including the loans, or sale of securities issued in reliance thereupon; and to perform valuation, rating or support services; and to conduct independent audit activities and service purchases relating thereto.

• To conduct banking operations and transactions; and to carry out correspondent banking activities;
• To offer products and services through internet banking and mobile applications;
• To offer our products and services within the frame of banking, finance, investment and portfolio management, and fulfil instructions given by you in respect of our products and services, and transfer money, foreign currency, gold and similar other securities, and effect payment operations and transactions; and
• To affect international money and fund transfers, and process any payment claims and objections in respect of credit card transactions performed abroad, and make collections of foreign cheques.

• To conduct improvement works and activities in respect of advices, suggestions, requests and complaints transmitted by any types of channels whatsoever, and comply with quality standards pertaining to client services, and to this end, take voice records of calls effected through call centre, and if and when needed, ensure that said records are listened and analyzed by our authorised units;   
• To follow up the financial and accounting operations and to issue financial and commercial reports;
• To carry out client relations activities and operations;
• To analyse how our services are used by you, and then, develop our products and services in line with results of such analyses;
• To assure the continuity of security and operations, and effect activity and operational analyses, improvements and performance measurements;
• To conduct and handle social responsibility activities also involved in by our Bank;
• To manage and record all and any communications with our Bank;
• To perform efficiency and expediency analyses of our commercial activities, and plan and carry out these activities and operations;
• To effect controls aiming to prevent money laundering, bribery, fraud and other financial crimes and related sanctions; 
• To manage legal, financial, commercial, compliance and reputation risks; and
• To perform market researches and segmentation activities.

• Contract management, and  conduct of legal transactions, and monitoring of legal processes;
• To plan and/or perform the activities relating to creation, maintenance and/or release or cancellation of guarantees; and
• To manage our Bank’s legal, financial, commercial, compliance and reputation risks; and take actions needed for protection of our rights in disputes we are involved in.

• As a part of marketing, promotion and advertisement activities, if permitted by you, to create and offer tailormade products, campaigns and proposals designed specially for you; and determine and offer products or services you may be interested in or you may need and request; and
• To make the banking services fit and convenient for access and use by the handicapped clients.

• Performance of our contractual and legal obligations fully and as required;
• Compliance with both national and international principles and rules, and performance of our information storage, reporting and information obligations arising out of the laws or stipulated and imposed by official authorities;
• For the sake of client, Bank and data security purposes, to carry out identification steps and procedures and controls aiming to prevent money laundering, bribery, fraud and other financial crimes and related sanctions, and to record and reports the results of such controls, and to send and deliver suspicious transaction notifications;
• To meet the requests of official bodies and authorities relating thereto;
• To plan, supervise, audit and perform information security processes;
• To conduct reporting, audit and supervision activities;
• To perform creditworthiness assessments, and to monitor, follow up and check the credit monitoring and repayment processes;  
• To offer the corporate credit card product, and in this aspect, to prepare and issue account extracts, and send them to clients and other related persons;
• To prepare account extracts and investment extracts and send them to clients, and to record the voice calls;
• To manage the legal, financial, commercial, compliance and reputation risks;
• To assess and reply advices, suggestions, requests and complaints transmitted by any types of channels whatsoever;
• To follow up the financial and accounting operations and to issue financial and commercial reports; and
• Within the frame of provisions of the Banking Law no. 5411, to exchange information with the specified bodies and authorities, banks, prospective buyers or risk centre; and to prepare and issue the consolidated financial statements of parents; and to conduct and manage the risk management and internal audit practices; and to carry out the assessments needed for sale of the Bank’s assets, including the loans, or sale of securities issued in reliance thereupon; and to perform valuation, rating or support services; and to conduct independent audit activities and service purchases relating thereto.

• To conduct banking operations and transactions; and to carry out correspondent banking activities;
• To offer products and services through internet banking and mobile applications; and
• To offer our products and services within the frame of banking, finance, investment and portfolio management, and fulfil instructions given respect of our products and services by the legal entity you are related to or associated with.

• To conduct improvement works and activities in respect of advices, suggestions, requests and complaints transmitted by any types of channels whatsoever, and comply with quality standards pertaining to client services, and to this end, take voice records of calls directed to our Bank, and if and when needed, ensure that said records are listened and analyzed by our authorised units;
• To follow up the financial and accounting operations and to issue financial and commercial reports;
• To carry out client relations activities and operations;
• To analyse how our services are used by you, and then, develop our products and services in line with results of such analyses;
• To assure the continuity of security and operations, and effect activity and operational analyses, improvements and performance measurements;
• To conduct and handle social responsibility activities also involved in by our Bank;
• To manage and record all and any communications with our Bank;
• To perform efficiency and expediency analyses of our commercial activities, and plan and carry out these activities and operations;
• To effect controls aiming to prevent money laundering, bribery, fraud and other financial crimes and related sanctions; and
• To manage legal, financial, commercial, compliance and reputation risks.

• Contract management, and  conduct of legal transactions, and monitoring of legal processes;
• To plan and/or perform the activities relating to creation, maintenance and/or release or cancellation of guarantees; and
• To manage our Bank’s legal, financial, commercial, compliance and reputation risks; and take actions needed for protection of our rights in disputes we are involved in.

• To communicate in respect of the products or services you may be interested in or you may need and request.

• Depositing of cash in account, withdrawal of cash from account, loan repayments, and credit card debt payments;
• Payment of checks/promissory notes, and collection of remittances to name in cash;
• Receipt of invoices, and tax and Social Security Agency payments, and credit cards and debit cards;
• Remittances made in the name and account of client;,
• To have the client’s pass book printed in the branch; and
• To offer our products and services.

• For the sake of security of facilities and premises of our Bank, to take, control and supervise imagery records through security cameras installed inside the branch, on building facades and in ATMs; and
• To manage and record all and any communications with HSBC.

• To act as a broker in applications for insurance policies and in premium calculations thereof; and
• To act as a broker in submission to insurance firm of any claims filed under insurance policy, and in payment of claims thereunder.

• To perform and carry out the legal identity verification processes.

• To determine insurance products fit to and convenient for our banking clients, and to this end, to establish communication with them.

• To perform our legal obligations arising of applicable laws, especially the banking laws and regulations;
• To determine and identify risk groups;  
• To determine total loan amount that may be made available to persons included in the same risk group;
• To perform creditworthiness assessments; and
• To manage legal and financial risks of our Bank.             

• To manage our Bank’s legal and financial risks;
• To take actions for protection of our rights in disputes involved in by our Bank as well;
• To offer our products and services and conduct creditworthiness calculations;
• If the buyer of products or services fails to repay its debts owed to our Bank or becomes insolvent, to take actions for recovery and collection of outstanding debts owed to our Bank.

• To visualize the activities organised and held by our Bank for the sake of public promotion, information and/or increase of awareness thereof; and
• To perform our Bank’s promotion and advertisement activities, and activities aimed at increasing its brand value and reputation.

• To enter into agreements with the related legal entity, and perform such agreements

• To perform our Bank’s risk management activities

• To make the banking services fit and convenient for access and use by the disabled clients;
• For the sake of client, Bank and data security purposes, to carry out identification steps and procedures, and controls aiming to prevent money laundering, bribery, fraud and other financial crimes and related sanctions, and to record and report the results of such controls, and to send and deliver suspicious transaction notifications; and
• To meet the requests of official bodies and authorities relating thereto.

Such legal grounds as submission of legal reports and information to legally authorized public authorities and bodies, and conduct of regulation and supervision activities, and management of complaint and other legal processes, etc.:

• The Banks Association of Türkiye Risk Centre
• Kredi Kayıt Bürosu A.Ş. (Credit Reference Agency)
• Banking Regulation and Supervision Agency
• Capital Markets Board
• The Central Bank of the Republic of Türkiye
• Financial Crimes Investigation Board
• Ministry of Treasury and Finance
• Financial Crimes Investigation Board
• The Central Bank of the Republic of Türkiye
• Interbank Card Centre
• The Banks Association of Türkiye
• Merkezi Kayıt Kuruluşu A.Ş. (Central Registry Agency)
• Other authorised public authorities and bodies
• Security forces
• Courts and execution offices

• For and in the course off know-your-customer activities, to carry out identification steps and procedures, and controls aiming to prevent money laundering, bribery, fraud and other financial crimes and related sanctions, and to record and report the results of such controls, and to send and deliver suspicious transaction notifications;

In the case of requests for local and foreign money and securities transfers and for custody of securities, for the sake of such transfers: 

• Local and foreign banks and clearing houses acting as a broker in transfer/offering custody services

For the data processing purposes stated under the heading 2.3:

• Third parties for whom we act as a broker or as an agency

For correspondent banking activities:

• Correspondent banks we are in cooperation with

For reporting, supervision and audit activities and for creditworthiness assessments:

• Local and foreign HSBC group companies (refers to HSBC Holdings plc and/or its affiliates, subsidiaries, joint ventures and all of their branches and offices)
• Shareholders of our Company
• Such business partners as public accountant and audit firms

Your personal data are also shared with service providers, suppliers and support service providers and their employees, directors and subcontractors for the following purposes:

• Preparation and execution of loan agreement in reliance upon your loan request;
• To offer our products and services through internet banking and mobile applications;
• To conduct client relations activities;
• To analyse how our services are used by you, and then,  develop our products and services in line with results of such analyses; and assure the continuity of security and operations; 
• To effect activity and operational analyses, improvements and performance measurements;
• To manage and record all and any communications with our Bank;
• To perform efficiency and expediency analyses of our commercial activities, and plan and carry out these activities and operations, and to this end, carry out marketing, promotion, publicity and gift sending activities, and perform market surveys and researches, and in this aspect, if your prior consent is taken, to send electronic commercial messages to you, and create tailormade products or campaigns specifically for you; and conduct general and tailormade segmentation activities; and determine and advise products or services you may be interest in or you may need and request.