We use your personal data for:
"}},{"componentType":"accordion","accordionList":[{"title":"Performing agreements to which you are a party or taking steps prior to entering into these agreements","richBody":{"value":"We use your personal data when you enter into an agreement with us, or when we have to execute our obligations under these agreements.
For instance, we use your account details when you ask us to make a payment or carry out an investment order or to provide you with statements of your accounts or your annual overview in My ING. We also use these account details to block payments, investigate and remediate product dysfunctionalities and solve claims, petitions and complaints regarding the requested services, when necessary. We also use your personal data to contact you in order to notify you of issues such as contractual term changes, the expiry of a deadline/contractual condition, registering a debt or to provide you with information related to your services/relationship.
We rely on the lawful basis of ‘necessary for performing agreements’ when we use your personal data for these and compatible purposes.
"}},{"title":"Compliance with our legal obligations","richBody":{"value":"
We use your personal data to comply with a range of legal obligations and statutory requirements, including banking and financial regulations that oblige us to perform or provide:
We rely on the lawful basis of ‘necessary to comply with a legal obligation’ when we use your data for these processing activities.
We process your data for a range of purposes that are in our interests as described below. When relying on legitimate interest, we ensure that processing remains proportionate and that your interests, fundamental rights and freedoms are respected. If you would like more information about our reasoning behind our assessment in a specific case, please contact us using the details provided in Section 11 (Contact and questions). Please find below an overview of the purposes for which we process your personal data where we rely on legitimate interest:
To assess and manage credit risk. We use your personal data to develop and apply credit risk models and risk analyses that help determine whether you can meet current and future financial obligations, such as loans or mortgages. These models also enable ING to identify early signs of payment difficulties and support your financial health. This helps protect both you and ING from problematic debts. In addition, ING uses these models to report on at the portfolio level to regulators.
To ensure accurate financial reporting. We process your data to calculate the likelihood that loans may not be repaid or may be repaid late, which is essential for producing accurate annual financial statements, including the Profit and Loss account and balance sheet. While your data is used to develop and maintain credit risk models, only aggregated information is included in financial reports, that cannot be traced back to you.
meeting our environmental, social and governance (reporting) commitment;
examining whether new rules have been properly implemented, to determine whether processes are being done properly, or to identify risks associated with a process.
We process your data when necessary to protect your interests which are essential for your life or that of another natural person. For example for urgent medical reasons pertaining to you. We will only process your personal data necessary for the vital interests of another natural person if we cannot base it on one of the other purposes mentioned.
"}},{"title":"To respect your choice if we request your consent for specific personal data","richBody":{"value":"For certain types of personal data processing, we will provide you with specific information about the process and request your prior consent before processing your personal data. This may include:
The use of your personal and financial data to assess whether your mortgage is still suitable for your current and future situation. In this way, we can help you identify possible risks at an early stage and act where necessary.
Collection of your personal data with cookies and similar tracking technologies when you visit our websites or the ING app. If you are a customer and with your permission, we may combine information collected through cookies with information about ING products you have or services you use. This means we can show you content and offers that are more relevant to your needs. For more information, we refer to our Cookie Statement as published on ing.nl/privacy.
You may change or withdraw your consent at any time.
"}},{"title":"For scientific research or statistical purposes","richBody":{"value":"We may also process your personal data if necessary for scientific research or statistical purposes. For example, ING conducts research on relevant economic or market developments. In addition, ING conducts research on the contribution of its products to the financial health of customer groups or the impact on the climate, for example. Results are used for strategic reports and for product development. In doing so, appropriate technical and organizational measures are taken to protect your privacy. Examples of measures include pseudonymizing or anonymizing your personal data. This kind of studies may also be published. These publications will never include data that can be traced back to individuals.
"}}]},{"componentType":"paragraph"},{"componentType":"linkList","iconTitle":{"title":"Privacy Statement"},"textLinks":[{"url":"/en/bank/privacy-statement/about-this-privacy-statement","text":"About this Privacy Statement"},{"url":"/en/bank/privacy-statement/introduction","text":"Introduction"},{"url":"/en/bank/privacy-statement/purpose-and-scope-of-this-privacy-statement","text":"1. Purpose and scope of this Privacy Statement"},{"url":"/en/bank/privacy-statement/the-types-of-personal-data-we-process","text":"2. The types of personal data we process"},{"url":"/en/bank/privacy-statement/what-we-do-with-your-personal-data","text":"3. What we do with your personal data"},{"url":"/en/bank/privacy-statement/who-we-share-your-data-with-and-why","text":"4. Who we share your data with and why"},{"url":"/en/bank/privacy-statement/transfer-of-personal-data-outside-the-eea","text":"5. Transfer of personal data outside the EEA"},{"url":"/en/bank/privacy-statement/automated-decision-making-and-profiling","text":"6. Automated decision-making, profiling and the use of AI"},{"url":"/en/bank/privacy-statement/your-rights-and-how-we-respect-them","text":"7. Your rights and how we respect them"},{"url":"/en/bank/privacy-statement/how-long-we-keep-your-personal-data","text":"8. Retention"},{"url":"/en/bank/privacy-statement/how-we-protect-your-personal-data","text":"9. How we protect your personal data"},{"url":"/en/bank/privacy-statement/changes-to-this-privacy-statement","text":"10. Changes to this Privacy Statement"},{"url":"/en/bank/privacy-statement/contact-and-questions","text":"11. Contact and questions"}]}]}}}