Banking products and services
|Business Terms and Conditions, effective on 15/07/2020|
|Annual Report 2019|
Information Overview of the System of Insurance of Receivables from Deposits for the Client
|Information Overview of the System of Insurance of Receivables from Deposits for the Client|
Availability and performance of dedicated TPP interface
|Availability and Performance of eBanking - II.Q 2021|
|Availability and Performance of API - II.Q 2021|
|Availability and Performance of eBanking - I.Q 2021|
|Availability and Performance of API - I.Q 2021|
|Availability and Performance of eBanking - IV.Q 2020|
|Availability and Performance of API - IV.Q 2020|
|Availability and Performance of eBanking - III.Q 2020|
|Availability and Performance of API - III.Q 2020|
|Availability and Performance of eBanking - II.Q 2020|
|Availability and Performance of API - II.Q 2020|
|Availability and Performance of eBanking - I.Q / 2020|
|Availability and Performance of API - I.Q / 2020|
|Availability and Performance of eBanking - IV.Q / 2019|
|Availability and Performance of API - IV.Q / 2019|
|Availability and Performance of eBanking - III.Q / 2019|
|Availability and Performance of API - III.Q / 2019|
|Availability and Performance of eBanking - II.Q / 2019|
|Availability and Performance of API - II.Q / 2019|
|Notice of use of Czech Open Banking standard version 3.0|
Personal Data Protection
J&T BANKA, a. s., having its registered office at Sokolovská 700/113a, 186 00 Prague 8, Company ID: 471 15 378, registered in the Commercial Register maintained by the Municipal Court in Prague, Section B, File No. 1731, conducting its business in the Slovak Republic through the branch office J&T BANKA, a. s., a branch of a foreign bank, having its registered office at Dvořákovo nábrežie 8, 811 02 Bratislava, Company ID: 35 964 693, registered in the Commercial Register maintained by the District Court Bratislava I, Section: Po, File no.: 1320/B (hereinafter referred to as “J&T BANKA, a. s.” or only the “Bank”) consistently ensures within its business personal data protection in accordance with the applicable legislation.
The concept of the Bank's personal data protection is mainly based on Act No. 483/2001 Coll. on Banks, as amended (hereinafter referred to as the “Act on Banks”) in accordance with Act No. 122/2013 Coll. on Personal Data Protection, as amended (hereinafter referred to as the “Personal Data Protection Act”). Any and all information/data that Clients are required to provide to the Bank under the Act on Banks (under Section 93a in particular) and under other regulations (e.g. Section 88 – 88a of Act No. 492/2009 Coll. on Payment Services, as amended, Section 73a of Act No. 566/2001 Coll. on Securities, as amended, Section 19 of Act No. 297/2008 Coll. on Protection Against the Laundering of Proceeds of Crime, as amended, Section 31 of Act No. 186/2009 Coll. on Financial Intermediation and Financial Counseling, as amended) are subject to the legal regime of said regulations specifying the rights and obligations when protecting personal data.
The Clients are required to provide the Bank with personal data within the scope specified by the applicable legislation, and the Bank is obliged to process and handle such data in the manner stipulated. The purpose of processing personal data is particularly the unequivocal identification of Clients, the identification of the Bank's contractors, and the provision, ensuring, documentation and performance of financial services and services related thereto.
Personal data are data relating to a natural person. Such data must be data relating to the identified or identifiable natural person, and such person is a person who may be identified directly or indirectly, particularly using a general identifier or one or more factors or features specific to the person’s physical, physiological, psychological, mental, economic, cultural or social identity. Pursuant to the Personal Data Protection Act, a natural person to whom personal data relate is called the “Data Subject”.
J&T BANKA does not disclose the personal data of its Clients. The Bank does not provide or disclose personal data to a third party except as required by the applicable legislation, or if the provision or disclosure of personal data is contractually agreed between the Bank and the Client, or if it is necessary for the performance of the contract concluded with the Client. For the purpose of processing, the Bank is obliged to disclose and provide personal data and other Confidential Information relating to the Client and other Data Subjects to other persons designated by the Act on Banks, particularly to the National Bank of Slovakia and the Czech National Bank for exercising supervision, as well as to other persons and bodies (e.g. courts, notaries public, distrainors, prosecution authorities, tax authorities, trustees in bankruptcy, etc.) to which the Bank is legally obliged or entitled to disclose and provide the personal data and other Confidential Information relating to the Client and other Data Subjects.
In accordance with the Personal Data Protection Act, J&T BANKA is an “operator” because it processes personal data, determines the purpose and means of processing, and provides personal data to be processed pursuant to the applicable legislation. J&T BANKA uses the services of several intermediaries when conducting its business. In accordance with the Personal Data Protection Act, an “intermediary” means a person who processes personal data on behalf of J&T BANKA as the operator, to the extent and under the terms and conditions agreed with the operator in a written contract pursuant to the Personal Data Protection Act.
J&T BANKA carries out certain activities in cooperation with the following intermediaries to which the Bank may disclose the personal data of the Data Subjects (to some extent):
In order to carry out its activities or provide its business services, J&T BANKA cooperates with:
|Identification information of the intermediary||The purpose of personal data processing and additional information|
|S.W.I.F.T. – Society for Worldwide Financial Telecommunication s.c., with its registered office at Avenue Adele 1, B-1310 LaHulpe, Belgium||Foreign Payments *1|
|First Data Slovakia, s. r. o., Digital Park II, Einsteinova 25, Bratislava, 851 01, Company ID: 31372074||Certain activities in providing payment services|
|J&T SERVICES SR, s.r.o., Dvořákovo nábrežie 8, 811 02 Bratislava, Slovak Republic, Company ID: 46293329||IT services (administration of IT equipment and networks) and Conciérge services|
|Law firm RELEVANS, s.r.o., Dvořákovo nábr. 8/A, 81102, Bratislava, Company ID: 47232471||Legal advice and representation in litigations, proceedings against prosecution and public authorities|
The Bank also reserves the right to cooperate with other intermediaries and change the circle of its intermediaries. The Clients shall be informed about the same in an appropriate manner. In accordance with the Personal Data Protection Act, the Data Subject's consent granted to the operator for the purpose of authorizing the intermediary to process personal data under a written contract shall not be required. However, when selecting the intermediary, J&T BANKA carefully takes into account its professional, technical, organizational and personal capacity, as well as its ability to guarantee the security of the personal data processed.
Personal data provided to the Bank beyond the scope stipulated by the applicable legislation, e.g. for the purpose of providing investment services by the Bank, shall be provided to the Bank voluntarily by the Client/Data Subject, and the Bank shall process such personal data upon the consent of the Client/Data Subject. Filling in the Investment Questionnaire or any other document of the Bank or disclosure of personal data to the Bank by any other manner (e.g. via telephone or orally at the meeting with an employee of the Bank or with a person designated by the Bank) shall be deemed the consent of the Client/Data Subject granted for the processing of personal data disclosed for the purpose agreed.
By signing a contract concluded with the Bank, the Client agrees that the Bank carries out the transfer of the Client's personal data to third countries that guarantee an adequate level of personal data protection, and authorizes a third party to process the Client's personal data under an agreement on personal data processing.
The protection of the Data Subjects' rights is set forth in Section 28 et seq. of the Personal Data Protection Act, as well as in the Business Terms of the Bank. The Client/Data Subject shall have the right to require from the Bank upon a written request:
a) a confirmation whether its personal data are processed by the Bank or not;
b) information in a generally intelligible form about personal data processing in the information system under the Personal Data Protection Act;
c) accurate information in a generally intelligible form about the source from which the Bank has obtained the personal data for processing;
d) a list of its personal data which are subject to processing in a generally intelligible form;
e) correction or destruction of its incorrect, incomplete or outdated personal data which are subject to processing;
f) destruction of its personal data the processing purpose of which has ended - if official documents containing personal data are the subject of processing, the Client/Data Subject may request the return of such documents;
g) destruction of its personal data which are subject to processing in the case of violation of the act;
h) blocking its personal data due to the withdrawal of consent before the expiry of its validity, if the Bank as the operator processes personal data upon the consent of the Data Subject.
According to the facts mentioned above and under the Bank's Business Terms, the Client shall have the right:
a) to be informed on the extent and content of its Confidential Information which the Bank collects, processes and stores;
b) to require clarification of the collection, processing and storage of its Confidential Information;
c) to require the correction of and/or addition to its Confidential Information;
d) to seek redress if the collection, processing and storage of its Confidential Information is in violation of the applicable legislation;
e) to directly contact the Office for Personal Data Protection, or if the Bank fails to correct the erroneous status relating to its Confidential Information;
f) to claim compensation for damage other than property damage.
During the term of the Contract concluded with the Bank, the Client may withdraw in writing its consent to the collection, processing and storage of all or any of the Confidential Information (it includes the right to withdraw its consent to the personal data processing at any time) by a written notice delivered to the Bank. The Client acknowledges that in such case the Bank need not be able and/or entitled to provide the Client with the Bank Service any longer. If the Client does not provide its personal data to the Bank under the applicable legislation (and does not enable obtaining such information by photocopying, scanning or other recording under the applicable legislation), or if the Client (during the term of the contract concluded with the Bank exercises its right to withdraw in writing) its consent to the collection, processing and storage all or any of its personal data, the Client acknowledges that in such case the Bank need not be able or entitled to provide the Client with the Bank Service any longer.
Personal data protection and the rights and obligations of the Clients/Data Subjects are set forth in the Contracts and Business Terms of the Bank.
*1 The company (organization) SWIFT operates a global network through which there is an electronic interchange of reports on financial transactions among banks and other financial institutions. In connection with making foreign payments, the Client's data contained in a payment order (degree, name, surname, address, account number, amount, purpose of the payment) are provided by the Bank to SWIFT and subsequently such data are provided by SWIFT to the financial institution of the payee. In order to protect the system and the processed data, the data transmitted by SWIFT are temporarily stored in the operational centers of this company located in Europe and in the United States. This information is published by the Bank upon the advice of the Office for Personal Data Protection of the Slovak Republic in response to the possibility of the US government authorities to access the data stored in the operational center of SWIFT in the United States in connection with the fight against international crime and terrorism.