Privacy Policy

By means of this Privacy Policy, the FGD informs users (the “User”) about the way in which the FGD collects, treats and protects personal data provided to it through the website https://www.fgd.es and/or through any other means or medium.

Who is responsible for the processing of your personal data?

The Data Controller of the data provided is FONDO DE GARANTÍA DE DEPÓSITOS DE ENTIDADES DE CRÉDITO (FGD), with CIF V86313806 and address in Madrid (Spain), calle José Ortega y Gasset nº22, 4th floor, postal code 28006 and telephone +34 91 431 66 45.

Users are free to contact the FGD by writing to the FGD’s postal address, making sure that their letter bears the words “Data Protection”, or by sending an email to dpo@fgd.es.

Information and consent

By reading this Privacy Policy, the User is informed of its contents.

The user should read this Privacy Policy carefully. It has been drafted in a clear and simple manner to make it as easy to understand as possible, thus enabling the user to decide, freely and voluntarily, whether they wish to provide their personal data to the FGD through any of the various channels made available.

The data are provided voluntarily by the User, therefore, if they are not provided or are not provided correctly, the queries and/or requests made cannot be answered, notwithstanding the fact that the content of the Website may be freely viewed. In this sense, the User will assume the possible responsibilities derived from the excessive or inadequate data that he/she voluntarily decides to provide to the FGD.

In the event that the User provides data of third parties, he/she must have the consent of such third parties and undertakes to transfer to the interested party, owner of such data, the information contained in this Privacy Policy, exempting the FGD from any liability in this regard. The FGD may carry out the necessary verifications to verify this fact, adopting the corresponding due diligence measures, in accordance with data protection regulations.

For what purpose will your personal data be processed and what is the legal basis?

The personal data provided to the FGD by the User or by third parties in compliance with a legal obligation will be processed for the following purposes:

  1. To process requests received through the Website or other means provided by the FGD. The basis that legitimizes this treatment is the consent of the User.
  2. To guarantee deposits in credit institutions both in money and securities, thus contributing to the stability of the financial system. The basis that legitimizes this treatment is the fulfillment of a legal obligation.
  3. To test the operational capacity of the FGD to pay depositors. The basis for this processing is compliance with a legal obligation.
  4. To verify the correctness of the information provided by financial institutions on the eligible and guaranteed deposits of each depositor. The basis that legitimizes this treatment is the fulfillment of a legal obligation.
  5. Manage the communications received through the FGD’s internal information channel. The basis for this processing is compliance with a legal obligation.
  6. Accounting, tax and administrative management of personal and professional data of suppliers and customers. The basis that legitimizes this treatment is the fulfillment of a legal obligation, as well as the existence of a contractual or pre-contractual relationship.

Processing involving automated decisions

No processing involving automated decisions, including profiling, as provided for in art. 22 of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016, will be carried out.

To which recipients is your personal data communicated?

Your personal data may be brought to the attention of companies that provide services to the FGD, exclusively for the provision of the above purposes. These service providers may be located within or outside the European Economic Area, and in the latter case, international data transfers are duly legitimized, in accordance with the model contractual clauses approved by the European Commission (for more information, please consult: NewRelic; Microsoft Learn; Amazon).

Depositors’ data may also be communicated to Courts, Tribunals and the Bankruptcy Administration to justify the payment of deposits guaranteed by the FGD, as well as to the Bank of Spain for the fulfillment of its obligations and competences and to other Guarantee Funds, in accordance with regulations, in the event of payment to depositors.

The personal and professional data of suppliers or customers may also be communicated to credit institutions, the State Agency of Tax Administration, Courts and Tribunals, in compliance with legal obligations.

Personal data communicated through the FGD’s internal information channel may also be communicated, in compliance with a legal obligation, to Courts, Tribunals and other competent authorities.

How long will your personal data be kept?

Once the above-mentioned purposes have been fulfilled, the personal data will be blocked and will be kept only at the disposal of the Public Administrations, Judges and Courts for the attention of possible liabilities arising from the processing, after which they will be deleted.

What responsibilities does the User have?

The User:

  1. Warrants that they are at least 16 years of age and that the information they provide to the FGD is true, accurate, complete and up to date. For these purposes, the user will be liable for the truthfulness of all data that they communicate and will ensure that the data they provide remain up to date at all times and reflect their real circumstances.
  2. The User will be responsible for any false or inaccurate information provided and for any damages, direct or indirect, that this may cause to the FGD or to third parties.

What rights does the User have?

The FGD undertakes to respect the confidentiality of the User’s personal data and to guarantee him/her the exercise of his/her rights.

The User has the right in terms of personal data protection to:

  1. Withdraw consent previously granted.
  2. Obtain from the FGD confirmation as to whether or not personal data concerning him or her are being processed.
  3. Access their personal data.
  4. Rectify any inaccurate or incomplete data.
  5. Request the erasure of their data when, among other reasons, the data are no longer necessary in relation to the purposes for which they were collected.
  6. Restrict the processing of their personal data by the FGD when any of the conditions provided for in applicable data protection regulations are met.
  7. Request the portability of their data.

In order to exercise his/her rights, the User, with proof of identity, may submit a request specifying the right or rights he/she wishes to exercise by e-mail to the FGD (dpo@fgd.es) or to the FGD’s address located in Madrid (Spain), calle José Ortega y Gasset nº22, 4th floor, postal code 28006.

Likewise, the User may file a complaint with the Spanish Data Protection Agency when he/she considers that the FGD has violated the rights recognized by the applicable data protection regulations.

How does the FGD protect your personal data?

Personal data will be treated at all times with absolute confidentiality and keeping the mandatory duty of secrecy with respect to them, in accordance with the provisions of the applicable regulations, adopting for this purpose the necessary technical and organizational measures to ensure the security of your data and avoid its alteration, loss, treatment or unauthorized access, given the state of technology, the nature of the data stored and the risks to which they are exposed.

Updates

This Privacy Policy may be modified to update the information provided or if necessary to comply with new legal obligations or instructions issued by the Spanish Data Protection Agency. Therefore, the User is advised to visit it periodically.