Apply personal conditions to joint accounts

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Purpose

With your consent, we will apply your own discounts or preferential conditions granted by CaixaBank's commercial offer to accounts where you are not the only account holder.

Within our commercial offer, you can sometimes receive discounts or benefits associated with personal characteristics such as age, employment status, the number of products taken out, account balances, or similar.

If these discounts or preferential conditions are applied to accounts which you share with other customers, they may find out that you meet, or no longer meet, the requirements that give access to these discounts or preferential conditions.

For example, if you have the right to receive discounts because you belong to a specific professional group, such as healthcare or security staff, the other account holders would know that you meet this criterion by seeing these discounts applied to the account.

Therefore, and since this circumstance could affect your privacy, we will apply your commercial conditions to those products that are only in your name, and we will only process this data for those products you share with others if you have given us your consent, which will remain in force until you withdraw it.

Data processed

We will not process data that contains information that reveals your ethnicity or race, your political opinions, religious or philosophical convictions, union membership, the processing of genetic data, biometric data intended to uniquely identify you, health data or data relating to your sex life or orientation.

The data we will process for this purpose are:

• Identifying and contact details:
  • your name and surnames
  • your sex
  • your telephone, postal address and email
  • your home address
  • your nationality and date of birth
  • your language of communication
  • your identification document

• Details on legal capacity and special communication needs:
  • details of a person's power to act, established in a court judgment
  • the data provided by disabled persons to allow accessibility to dialogue and operational management

• Details of your professional or work activity and socio-economic information:
  • your professional or work activity
  • your income or remuneration
  • your family unit or circle
  • your educational level
  • your assets
  • your tax details

• Contract details:
  • your contracted products and services (own or third party)
  • your requested products and services (own or third party)
  • your condition of holder, authorised party or representative of the product and service
  • categorisation according to regulations on the securities markets and financial instruments (MiFID) (MiFID category)

• Basic financial data:

  your current and historical balances of products and services (own or third party).

And if I don't consent?

We will only process your data in this way if you have given us your express consent to do so, and your consent will remain in force until you withdraw it.

And if I stop being a customer?

If you cancel all your products or services with CaixaBank but forget to revoke your consent, we will do so automatically.

Who will process my data?

The data controller is CaixaBank. This processing is not carried out as joint controllers.