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Data protection

DZ PRIVATBANK S.A. is pleased that you have visited our website and are interested in our company. We take the protection of your personal data seriously so that you are safe when visiting our website. Data protection at DZ PRIVATBANK S.A. takes into account the European Data Protection Directive and is based in particular on the Luxembourg law of 2 August 2002 on the protection of persons with regard to the processing of personal data as amended on 27 July 2007 (Luxembourg Data Protection Act, LDSG).

If you disclose personal data with us, we will treat it with due diligence and in accordance with the various data protection regulations.

Data will not be used for any other purposes, nor will it be disclosed to third parties. DZ PRIVATBANK (Schweiz) AG, Münsterhof 12, CH–8022 Zurich is no third parties within this meaning. Due to technical reasons, please note that we are currently unable to offer you the secure (encrypted) transmission of your message. For your own safety, please post any messages of a confidential nature to us. Any data that you enter in order to use your virtual portfolio will only be used for your virtual portfolio and will not be disclosed to third parties. You can amend or delete your virtual portfolio via the Internet at any time.

Collecting and processing personal data*

You can generally visit the DZ PRIVATBANK S.A. pages without the need for us to collect personal data from you. We only know the name of your Internet service provider, the websites from which you visit us and the pages you visit with us. This information is collected and saved by us for statistical purposes in anonymous form for marketing and optimisation purposes. User profiles are issued on the basis of this data under a pseudonym. The data is not used to personally identify visitors to this website and are not combined with data regarding the pseudonym bearer.

Personal data will only be collected and processed for this purpose if, for example, you enter this e.g. in oder to request information or set up a virtual portfolio. This information is partially transmitted in encrypted format in order to prevent misuse by third parties.

In some areas of the website, DZ PRIVATBANK S.A. makes use of cookies in order to be able to personalise our services to you. Cookies are identifiers that a Web server sends to your computer in order to identify it for the duration of your visit. It is generally possible to display cookies in your browser (e.g. in Mozilla: “Tools” → “Settings” → “Data protection” → “Show cookies”). You can also set your browser so that you are informed about the storing of cookies.

The web analytics tool "Piwik" is used on the DZ PRIVATBANK S.A. websites. The analysis of user behaviour is important because in this way demand for content can be analysed anonymously and the offering can thus be optimised. Where applicable for these websites you use, we collect real-time data, for example:

  • Date
  • Number of actions conducted on the website
  • Time spent on the website
  • Country of origin
  • Browser version
  • Operating system
  • Number of new and returning visitors
  • Referring source
  • Target conversion rate
  • IP address (these are not evaluated)

The analytics tool works by placing a cookie that is saved after the end of your visit as a so-called "First Party Cookie" with an aliased ID as a small text file on your end device under the name _pk_id.12345 (individualised number). The cookie has an unlimited lifetime and enables a non-personal analysis of behaviour on the website. For example, we can determine the website from which our visitors called up our website, and which pages were viewed on the DZ PRIVATBANK S.A. internet site and for how long. We can also evaluate how many and which files were downloaded by visitors. Using the determined data we try to adjust and optimise the service on the website in accordance with user behaviour. It is not possible for us to establish a personal reference through these cookies. The cookies are used for the purpose of creating user statistics which cannot be matched directly with individual persons (“pseudonymous user profile”). You have the right to object to this use of your data. You can enforce your right to object by restricting the use of cookies.

Restricting the use of cookies:

You can suppress the analysis of user behaviour in your browser by preventing this domain (dz-privatbank.com) from setting cookies. This is done, for example, by configuring an exception in your browser (e.g. in Firefox). If you are uncertain as to how this is done, please refer to the browser’s help function.
Naturally, you can also delete the above-mentioned cookies in your browser to delete tracking information, either periodically or on an ad-hoc basis.
Another option available to you is to suppress any form of future user analysis on this website by setting a so-called block cookie or opt-out cookie.

Limitations on use and disclosure of personal data

All personal data that is either collected or arises within the scope of DZ PRIVATBANK S.A. services will only be collected, processed and used for the purpose of processing contracts, protecting legitimate business interests with regard to the advice and support provided for our customers and potential customers, and the tailoring of products as required in accordance with the respective laws and provisions in force. In addition, DZ PRIVATBANK S.A. is also obliged to comply with banking confidentiality requirements in relation to its customers.

Data security

DZ PRIVATBANK S.A. uses technical and organisational security measures in order to protect data from accidental or intentional manipulation, loss, destruction or access by unauthorised persons. Our security measures are being continually improved in line with the latest technology.

Data processing outside of Luxembourg for transactions

Any personal data that is necessary for money transactions is processed by the bank and other specialist companies in this area, such as SWIFT (Society for Worldwide Interbank Financial Telecommunication). This processing is done by local data centres in other European countries and in the United States of America (US) in accordance with the various laws in force there. As a result, US authorities may obtain access to data held in local data centres for the purpose of combating terrorism. Each customer that asks the bank to carry out a transfer or another transaction gives their tacit consent that all data necessary for the proper execution of the transaction is to be processed outside of Luxembourg.

Right to information and register of processing operations

If requested, we will inform you in writing whether and to what extent personal information about you is stored in our system in accordance with the applicable laws.

Register of processing operations

Based on the Luxembourg Data Protection Act (Articles 26 and 28), the following information must be made available by the data processor in a suitable manner:

1. the identity of the data processor:
DZ PRIVATBANK S.A., 4, rue Thomas Edison, L-1445 Strassen, Luxembourg
2. the purpose of the data processing:
Data is processed subject only to Article 4 et seq. of the Luxembourg Data Protection Act, in particular
(a) to fulfill the various legal obligations that the data processor is subject to, and
(b) for the execution of a contract to which the person in question is involved, or for the performance of pre-contractual activities that become effective upon their request.
3. Recipients or categories of recipients to whom the data may be disclosed:
Public bodies if superior legislation exists, third parties on behalf of customers or for processing/fulfillment of purposes stated under point 2
4. Standard periods for data retention periods:
Retention requirements and time limits are complied with and data is deleted following their expiry. If data is not removed in line with the above regulations, it is deleted if the purposes stated under point 2 no longer apply.

Data protection concerns

If you have any questions regarding the processing of your personal data, please don't hesitate to contact us:

 (please do not send any unsolicited advertisements via e-mail)

Last Update: 01/2017

*Collecting and processing personal data

The products and services contained within these web pages are not available for residents of certain jurisdictions. Please consult the sales restrictions relating to the products and services in question for further information.