{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"ING reserves the right to amend this privacy statement. If you want to know the latest version, please check ing.nl/privacy regularly.","robotInstruction":{"noFollow":true,"noIndex":true}},"flexZone":{"flexComponents":[{"componentType":"paragraph"},{"accordionList":[{"richBody":{"value":"<p>We are part of ING Group which provides financial and insurance or brokerage services in over 40 countries. For more information about ING Group, please visit www.ing.com. ING Group is committed to your privacy and it has adopted strong privacy principles through its Global Data Protection Policy (‘GDPP’). The GDPP is approved by the Dutch Data Protection Authority, which is the lead supervisory authority for ING Bank N.V., and is binding on all ING entities, subsidiaries, branches, representative offices, and affiliates worldwide (also known as ‘Binding Corporate Rules’). We may share your personal data with our parent company ING Bank N.V. to ensure that ING Group is able to comply with its legal obligations and/or for reasons of substantial public interests, such as:</p><ul><li>To comply with any regulatory and statutory reporting obligations and data requests as required by ING Group’s European regulators, including the European Banking Authority (EBA), European Central Bank (ECB) and the Financial Stability Board (FSB). Unless data on an individual level is specifically requested by a regulator, we will always make sure that personal data is aggregated, meaning that only information about groups of customers will be shared with the Group’s regulators to ensure that it can no longer be linked back to you.</li><li>For the development (also on behalf of us) of ING’s internal credit models. Under EU banking rules, ING Group is obliged to develop these credit models to be able to calculate any counterparty risks and exposures. This allows ING Group to determine our risks as well as the extent of the financial buffer we are required to hold when providing financial services to you.</li><li>For the development (also on behalf of us) of ING’s know your customer (KYC) models. To safeguard ING Group against involvement in Financial Economic Crimes, KYC models are being developed on a group level for customer and transaction screening to detect potential or actual criminal activity. These KYC models incorporate mandatory requirements derived from the EU Directives and Regulations in the area of prevention of money laundering and terrorist financing, the Basel Committee on Banking Supervision Guidelines (BCBS) and EU, US and UN sanctions laws and regulations.</li></ul><p>We also continue to strive to make our everyday procedures more efficient and effective since it is in our legitimate interest to offer you the best possible services at competitive rates. As such, we will share your personal data with ING Group and other ING entities to centralise certain operations to achieve economies of scale, such as:</p><ul><li>For efficiency reasons, certain operational and administrative tasks in relation to the agreements we have with our <span><span><span><span><span>customers have been centralised in processing centres, named ING Hubs. This concerns e.g. IT and administrative operations, client management (including screening) and the processing of transactions. The ING Hubs are located in countries such as Slovakia, Poland, Romania, Turkey and the Philippines, and are part of ING </span></span></span></span></span><span><span><span>Group. These entities will process your data on behalf of us and are fully subject to ING’s Global Data Protection Policy (GDPP) to ensure an adequate level of data protection in case a country has less strict data protection laws and regulations (see Section 5 – ‘Transfer of personal data outside the EEA’).</span></span></span></li><li>The development of models mainly related to improving customer processes such as optimisation of account management and product management in customer channels. For efficiency reasons, these models are mainly developed by our analytics department on a group level. Your personal data will be pseudonymised when transferred for this purpose.</li><li>We may use centralised storage systems to process data at a central point within ING for efficiency purposes. For instance, to create different types of credit risk models as mentioned above. These centralised storage systems are operated by ING or third parties, such as Microsoft and might be located outside the EU. In any case, ING will always ensure that adequate measures are in place to safeguard your personal data.</li></ul><p>Please note that we will remain responsible for ensuring that the processing of your personal data - including any processing carried out by other ING entities on our behalf as set out above - complies with the applicable data protection regulations. Within ING Group, there are strict requirements included in internal policies and contractual arrangements in place to ensure that your personal data will only be processed for a specific purpose on the basis of an appropriate legal basis. If so required by local law (taking into account any effect such processing may have on you), adequate organisational and technical measures have been implemented to protect your rights. We will also remain responsible for handling any request you may have in relation to your personal data protection rights as described below.</p><p> </p>"},"title":"Within ING Group"},{"richBody":{"value":"<p>To comply with our regulatory obligations we are obliged by law to disclose personal data to the relevant government, supervisory and judicial authorities, such as:</p><ul><li><strong>Public authorities, regulators </strong>and<strong> supervisory bodies </strong>such as municipalities, the Uitvoeringsinstituut Werknemersverzekeringen (UWV), European Central Bank (ECB), De Nederlandsche Bank (DNB), the Autoriteit Persoonsgegevens (Dutch Data Protection Authority), the Autoriteit Financiële Markten (AFM) and Authority for Consumers and Markets (ACM).</li><li>The<strong> Tax authority</strong> may require us to report customer assets or other personal data such as your name and contact details and for example information about your organisation. For this purpose, we may process your identification data such as social security number, tax identification number or any other national identifier in accordance with applicable local law.</li><li><strong>Judicial/investigative authorities</strong> such as the police, public prosecutors, courts, bailiffs, the Financial Intelligence Unit – the Netherlands (FIU), <span lang=\"EN-US\" dir=\"ltr\"><span>the Institute for Financial Disputes (‘Kifid’ in Dutch), </span></span>the Foundation for Banking Ethics Enforcement and arbitration/mediation bodies at their express and legal request.</li></ul>"},"title":"Government, supervisory and judicial authorities"},{"richBody":{"value":"<p>To process certain payment and withdrawal services, we share your personal data with another bank or a specialised financial company. We also share your personal data with financial sector specialists who assist us with financial services such as:</p><ul><li>Exchanging secure financial transaction messages such as Worldwide Interbank Financial Telecommunication (SWIFT), see also at Section 7 the section on &apos;Your rights and SWIFT&apos;.</li><li>Payments and credit transactions worldwide, including Mastercard and VISA where applicable.</li><li>Processing electronic transactions worldwide.</li><li>Settling domestic and cross-border security transactions and payment transactions.</li><li>Account information services: if you have specifically instructed an account information service provider to retrieve account information from your ING accounts on your behalf, we are obliged to share the necessary transaction data with such a provider as long as you have consented to this. Conversely , you can also use these services to manage your accounts at other banks through your ING channels or apps. We may only offer these PSD2 services if we have your explicit consent. If you no longer want to use this, you can easily disable the feature in ING&apos;s online environment. For example, you can use the ING app or channel to<ul><li>view account information from your payment accounts at other banks;</li><li>share information from your payment accounts at other banks with ING in the context of, for example, applying for a loan.         </li></ul></li><li>Payment initiation services: if you have specifically instructed a payment initiation service provider to initiate payments from your ING accounts on your behalf, we are obliged to share access to your accounts with such a provider as long as you have consented to this.</li><li>Other financial services organisations, including banks, superannuation funds, stockbrokers, custodians, fund managers, portfolio service providers, the Credit Registration Office (BKR), the National Mortgage Guarantee (NHG) and the company that arranges the IBAN Name Check.</li></ul>"},"title":"Other financial institutions"},{"richBody":{"value":"<p>When we use other service providers or other third parties to carry out certain activities in the normal course of business, we may have to share personal data required for a particular task. We carefully select these companies and enter into clear agreements with them on how they are to handle your personal data. We remain responsible for your personal data. These service providers support us with activities such as:</p><ul><li>Designing, developing and maintaining internet-based tools and applications.</li><li>IT service providers who may provide application or infrastructure services (such as cloud services).</li><li>Marketing activities or events and managing customer communications.  </li><li>Preparing reports and statistics, printing materials and designing products.</li><li>Placing advertisements on apps, websites and social media.</li><li>Legal, auditing or other special services provided by lawyers, notaries, trustees, company auditors or other professional advisers.</li><li>Identifying, investigating or preventing fraud or other misconduct by specialised companies. And to prevent criminals from cheating with SMS codes, telecom companies inform us if a SIM change has taken place on a certain mobile number.</li><li>Performing specialised services such as postal mail by our agents, archiving of physical records, contractors and external service providers.</li><li>Carrying out securitisation arrangements (such as trustees, investors and the advisers).</li><li>Giving input for the calculation of the carbon footprint of customers.</li><li>Collecting debts.</li></ul>"},"title":"Service providers and other third parties"},{"richBody":{"value":"<p><span><span><span>We may share your personal data with intermediaries, brokers and business partners such as Nationale-Nederlanden Schadeverzekering Maatschappij N.V. (NN) or Allianz Direct Versicherungs-AG, Dutch Branch (Allianz), which, depending on the product or service, may act on our behalf, or who jointly with us offer products and services, such as insurance. More information on how they process your personal data can be found in their privacy statements, available at <a href=\"https://www.nn.nl/Mijn-privacy.htm\"><span><span><span>www.nn.nl</span></span></span></a> (Dutch only) and <a href=\"https://www.allianzdirect.nl/privacy-statement/\">Allianz Direct</a> (Dutch only).</span></span></span></p><p><span><span><span>For example, we act as broker for certain non- life insurance policies. In this case, ING is your primary point of contact. The insurer will enter into an insurance agreement with you directly and therefore requires your personal data to collect the premiums and, for example, to pay out approved claims.</span></span></span></p><p><span><span><span>When we act as an MGA (managing general agent) in concluding and administering an insurance policy, we provide personal data to the insurer (including for the administration of the insurance policies) and to our partners (including for the handling of claims). In that case, our partners act on behalf of ING and will communicate with you accordingly.</span></span></span></p><p><span><span><span>In addition, where necessary we provide <span>your </span></span></span></span><span><span><span>personal data to third parties we engage in assessing claims, such as repair networks, legal expenses insurers, loss adjusters, or other parties involved in assessing or handling claims.</span></span></span></p><p><span><span><span>ING or the insurer also shares your data with Stichting Centraal Informatie Systeem (Stichting CIS). To prevent fraud, we check whether you are listed in the insurers’ Referral Register or the Fraud Information System Holland (FISH). We are also required, via Stichting CIS, to check whether you and/or co insured persons appear on international sanctions lists. In some cases, your data is recorded by us or by the insurer in FISH, for example if we terminate your insurance due to claims history or non payment, or if you commit fraud. If this occurs, you will be informed. Claims notifications are also recorded in FISH. Other affiliated insurers use this information when assessing insurance applications. More information can be found on the ING Insurance page at <a href=\"http://www.ing.nl/en/personal/insurances\"><span><span><span>www.ing.nl/en/personal/insurances</span></span></span></a>.</span></span></span></p>"},"title":"Business partners ING Insurance"},{"richBody":{"value":"<p>We are always looking for new insights to help you get ahead in life and business. For this reason, we exchange personal data (when it&apos;s legally allowed) with partners such as universities and other independent research institutions, who use it in their research and innovation. The researchers we engage must satisfy the same strict requirements as ING employees. When possible, the personal data will be shared at an aggregated level to ensure <span lang=\"EN-US\" dir=\"ltr\"><span>data cannot identify any individuals and is therefore anonymous.</span></span></p>"},"title":"Researchers"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Privacy Statement"},"textLinks":[{"text":"About this Privacy Statement","url":"/en/bank/privacy-statement/about-this-privacy-statement"},{"text":"Introduction","url":"/en/bank/privacy-statement/introduction"},{"text":"1. Purpose and scope of this Privacy Statement","url":"/en/bank/privacy-statement/purpose-and-scope-of-this-privacy-statement"},{"text":"2. The types of personal data we process","url":"/en/bank/privacy-statement/the-types-of-personal-data-we-process"},{"text":"3. What we do with your personal data","url":"/en/bank/privacy-statement/what-we-do-with-your-personal-data"},{"text":"4. Who we share your data with and why","url":"/en/bank/privacy-statement/who-we-share-your-data-with-and-why"},{"text":"5. Transfer of personal data outside the EEA","url":"/en/bank/privacy-statement/transfer-of-personal-data-outside-the-eea"},{"text":"6. Automated decision-making and profiling","url":"/en/bank/privacy-statement/automated-decision-making-and-profiling"},{"text":"7. Your rights and how we respect them","url":"/en/bank/privacy-statement/your-rights-and-how-we-respect-them"},{"text":"8. Retention","url":"/en/bank/privacy-statement/how-long-we-keep-your-personal-data"},{"text":"9. How we protect your personal data","url":"/en/bank/privacy-statement/how-we-protect-your-personal-data"},{"text":"10. Changes to this Privacy Statement","url":"/en/bank/privacy-statement/changes-to-this-privacy-statement"},{"text":"11. Contact and questions","url":"/en/bank/privacy-statement/contact-and-questions"}]}]},"hasMacro":false,"id":"022b4d20-600f-42e3-899e-9c313f7ed3e9","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"ING and your personal data","url":"/en/bank/privacy-statement"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/5f70eb35a958fff4/original/Portrait-of-happy-senior-woman-cuddling-with-her-cat-on-the-couch.jpg","transformBaseUrl":"https://assets.ing.com/transform/cbc02d51-77c0-4e58-ad29-7d2e65f77df9/Portrait-of-happy-senior-woman-cuddling-with-her-cat-on-the-couch","type":"image","width":6016},"subtitle":"There are situations in which we need to provide your personal data to other parties involved in the provision of our services. This could include data transfers within ING Group and to third parties.","title":"4. Who we share your data with and why"}},"publishDate":"2026-07-13T09:01:39.076+02:00"}}