Customisation of products and services based on an analysis of your data

Please read the document, and the button will activate when you reach the end.

Purpose

If we have your consent, we will use the indicated data to create a commercial profile for you, enabling us to identify your preferences or needs to offer, through your manager (in person or remotely), the products and services marketed by joint data controller companies that we consider may be of interest to you based on your identified preferences and needs.

Processing your data in this way enables us to create personalised offers that we believe may interest you more than generic offers.

Furthermore, if you consent to the "Communication of product and service offerings through channels" (Section 6.1.B of our Privacy Policy), we will offer products and services marketed by joint data controller companies that we consider may be of interest to you based on the preferences and needs identified through any other channels that you have authorised us to use.

Processed data

For this processing, we will not use any data that contains information revealing your racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union affiliations, genetic data, biometric data intended to identify you individually, health-related data or data related to your sexual life or orientation.

The data we will process for this purpose are:

• Identification and contact data:
  • full name
  • sex
  • postal, telephone and email contact information
  • residence address
  • nationality
  • date of birth
  • communication language
  • identity document

• Socioeconomic data and information about your professional or work activity:
  • occupation or work
  • income or earnings
  • household or family
  • educational level
  • assets
  • fiscal and tax data

• Contract data:
  • products and services contracted or requested (own or third-party)
  • status as owner, authorised person or representative of the product and service contracted
  • classification according to regulations on securities markets and financial instruments (MiFID category).
  • information on investments undertaken and their performance
  • financing information and transactions

• Basic financial data:
  • current and past balances of products and services (own or third-party)
  • payment history of products and services (own or third-party)

• Third-party data from statements and receipts of instant accounts and payment accounts:

  Information on entries and transactions made on your accounts by third-party issuers, including the transaction type, issuer, amount and item appearing on receipts and statements of debit, credit and prepaid card transactions

• Information about your CaixaBank shareholder status:

  Whether or not you hold CaixaBank shares

• Details of the communications with you:

  Data obtained in chats, walls, video conferences, telephone calls or any other equivalent means of communication.

• Own browsing data:

  If you have accepted the use of cookies and similar technologies on your browsing devices, the data obtained from your browsing on our websites or mobile applications and your browsing on them: browsing history (websites visited and clicks on content), device ID, advertising ID, IP address and installed version of the application.

• Geographical data:

  Data on the location of the merchants of your card transactions and geolocation data of your mobile device provided by the installation and/or use of our mobile applications when you have authorised this in the application settings.

• Data obtained from other processing operations provided for in the privacy policy:
  • Risk assessment or scoring data: in financing or instalment payment transactions, we will determine your ability to pay or default, as well as your risk limits, by applying statistical, mathematical models that are calculated using your data (processing defined in section 6.2.C of the Privacy Policy).
  • Customer classification data. (processing defined in section 6.4.A of the Privacy Policy).

• Data obtained from the execution of statistical models:

  We will use the results of mathematical models applied to customer data to determine your consumption habits, contracting preferences/tendencies or customer classification (processing defined in section 6.4.F of the Privacy Policy).

• Demographic and socio-economic data:

  Statistical data is not associated with specific individuals but with geographical areas, age groups or sectors of professional activity, which we will use to correlate with customer information.

• Data on properties and vehicles associated with your person:

  Data obtained from the land registry and basic vehicle data obtained from the Directorate-General for Traffic, which we will use to supplement the information on your property and vehicles.

• Data on directors, functional officers and corporate relationships:

  Data extracted from INFORMA databases that we will use to supplement the information on your activity.

• Data on agricultural subsidies and insurance:

  Data published by the Spanish Agricultural Guarantee Fund (FEGA) and the State Agency for Agricultural Insurance (ENESA).

• Data from third-party companies where you have given your consent to share them with us:

  Your personal data processed by other companies with which you have agreements and which you have authorised to share your information with us.

• Browsing data:

  If you have accepted the use of cookies and similar technologies on your browsing devices, the data obtained from your browsing on third-party websites or mobile applications and your browsing on them: browsing history (websites visited and clicks on content), device ID, advertising ID, IP address.

• Social media or internet details:

  Social network or internet data that you authorise us to consult.

What more should I know?

Use of profiles

For this processing, we will create a commercial profile that we will use exclusively to customise your product and service offerings.

• Purpose: The aim of the profile is to determine products and services that we consider may be of interest to you based on the information we have about you to offer these rather than sending generic commercial offers.

• Consequences: If you authorise the processing, we will use commercial profiles to decide which products or services to offer you. If you do not give your authorisation, we will not use your information to customise our commercial offer.

  We do not use this profiling, under any circumstances, to refuse any product or service, or to set credit limits. Refusal to accept this processing will not prevent, limit or condition your access to our full catalogue of products and services that is always available to you.

  If you request to contract any product or service, your request will be evaluated in accordance with our standard procedures. The acceptance or non-acceptance of the analysis of your data for the personalisation of the product offer will not affect this evaluation.

  The non-acceptance of this processing will also not prevent us from contacting you for operational management purposes of the products and services you have contracted.

• Logic: he customer profile is calculated based on the data indicated in the "Processed data" section.

  Mathematical formulas obtained from the past behaviour of customers with similar characteristics are applied to this data to infer the customer's future behaviour. These mathematical formulas allow us to determine the importance of all the data processed in the final result of the applicant's profile.

  This final result is the probability that the customer will be interested in a product or service.

Preliminary check of your ability to pay

Whenever an offer we intend to present to you consists of products or services that involve the payment of instalments or financing, we will check your ability to pay in advance.

We will carry out this preliminary check by means of the processing detailed in epigraph 6.2.C of our Privacy Policy o offer you a suitable credit limit and repayment period based on our knowledge of your financial situation, in accordance with the principles of responsibility regarding the offering of financing products stipulated by the Bank of Spain and regulations on the prudential supervision and solvency of credit institutions and responsible lending institutions.

The non-acceptance of this processing shall not prevent, limit or condition your access to our catalogue of financing products and services, which, should you so request, will be assessed in accordance with our standard procedures.

Preparation of management reports and mathematical models

The data processed and resulting from this process will also be used to prepare management reports and mathematical models under the terms detailed in the processing defined in section 6.4.F of this Policy.

And if I do not consent and I no longer want you to customise the product offer?

We will only process your data in this way if you haves given your consent to do so.

Your consent will remain valid until you revoke it.

And if I stop being a customer?

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

Who will process my data?

The following CaixaBank Group companies are joint data controllers of this data processing.

• CaixaBank, S.A.
• CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U.
• Nuevo Micro Bank, S.A.U.
• Facilitea Select Place, S.A.U.
• ImaginersGen, S.A.
• VidaCaixa, S.A.U. de Seguros y Reaseguros

You will find the essential aspects of the joint data controller agreements at: www.caixabank.es/empresasgrupo.

Customisation of products and services based on an analysis of your data

Please read the document, and the button will activate when you reach the end.

Purpose

If we have your consent, we will use the indicated data to create a commercial profile for you, enabling us to identify your preferences or needs to offer, through your manager (in person or remotely), the products and services marketed by joint data controller companies that we consider may be of interest to you based on your identified preferences and needs.

Processing your data in this way enables us to create personalised offers that we believe may interest you more than generic offers.

Furthermore, if you consent to the "Communication of product and service offerings through channels" (Section 6.1.C of our Privacy Policy), we will offer products and services marketed by joint data controller companies that we consider may be of interest to you based on the preferences and needs identified through any other channels that you have authorised us to use.

Processed data

For this processing, we will not use any data that contains information revealing your racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union affiliations, genetic data, biometric data intended to identify you individually, health-related data or data related to your sexual life or orientation.

The data we will process for this purpose are:

• Identification and contact data:
  • full name
  • sex
  • postal, telephone and email contact information
  • your home address
  • nationality
  • date of birth
  • communication language
  • identity document

• Socioeconomic data and information about your professional or work activity:
  • occupation or work
  • income or earnings
  • household or family
  • educational level
  • assets
  • fiscal and tax data

• Contract data:
  • products and services contracted or requested (own or third-party)
  • status as owner, authorised person or representative of the product and service contracted
  • classification according to regulations on securities markets and financial instruments (MiFID category).
  • information on investments undertaken and their performance
  • financing information and transactions

• Basic financial data:
  • current and past balances of products and services (own or third-party)
  • payment history of products and services (own or third-party)

• Third-party data from statements and receipts of instant accounts and payment accounts:

  Information on entries and transactions made on your accounts by third-party issuers, including the transaction type, issuer, amount and item appearing on receipts and statements of debit, credit and prepaid card transactions.

• Information about your CaixaBank shareholder status:

  Whether or not you hold CaixaBank shares.

• Details of the communications with you:

  Data obtained in chats, walls, video conferences, telephone calls or any other equivalent means of communication.

• Browsing data:

  If you have accepted the use of cookies and similar technologies on your browsing devices, the data obtained from your browsing on our websites or mobile applications and your browsing on them: browsing history (websites visited and clicks on content), device ID, advertising ID, IP address and installed version of the application.

• Geographical data:

  Data on the location of the merchants of your card transactions and geolocation data of your mobile device provided by the installation and/or use of our mobile applications when you have authorised this in the application settings.

• Data obtained over the course of other processes envisaged in the Privacy Policy:
  • Risk assessment or scoring data: if you accept, for financing or instalment operations, we will deduce your ability to repay or not, or the risk limits, by applying statistical mathematical models that are calculated using your data (processing defined in section 6.2.C of the Privacy Policy).
  • Customer classification data. (processing defined in section 6.4.A of the Privacy Policy).

• Data obtained from the execution of statistical models:

  We will use the results of mathematical models applied to customer data to determine your consumption habits, contracting preferences/tendencies or customer classification (processing defined in section 6.4.F of the Privacy Policy).

• Demographic and socio-economic data:

  Statistical data is not associated with specific individuals but with geographical areas, age groups or sectors of professional activity, which we will use to correlate with customer information.

• Details on properties and vehicles associated with you:

  Data obtained from the land registry and basic vehicle data obtained from the Directorate-General for Traffic, which we will use to supplement the information on your property and vehicles.

• Data on directors, functional officers and corporate relationships:

  Data extracted from INFORMA databases that we will use to supplement the information on your activity.

• Data on agricultural subsidies and insurance:

  Data published by the Spanish Agricultural Guarantee Fund (FEGA) and the State Agency for Agricultural Insurance (ENESA).

• Data from third-party companies where you have given your consent to share them with us:

  Your personal data processed by other companies with which you have agreements and which you have authorised to share your information with us.

• Browsing data:

  If you have accepted the use of cookies and similar technologies on your browsing devices, the data obtained from your browsing on third-party websites or mobile applications and your browsing on them: browsing history (websites visited and clicks on content), device ID, advertising ID, IP address.

• Social media or internet details:

  Social network or internet data that you authorise us to consult.

What more should I know?

Use of profiles

For this processing, we will create a commercial profile that we will use exclusively to customise your product and service offerings.

• Purpose: The aim of the profile is to determine products and services that we consider may be of interest to you based on the information we have about you to offer these rather than sending generic commercial offers.

• Consequences: If you authorise the processing, we will use commercial profiles to decide which products or services to offer you. If you do not give your authorisation, we will not use your information to customise our commercial offer.

  We do not use this profiling, under any circumstances, to refuse any product or service, or to set credit limits. Refusal to accept this processing will not prevent, limit or condition your access to our full catalogue of products and services that is always available to you.

  If you request to contract any product or service, your request will be evaluated in accordance with our standard procedures. The acceptance or non-acceptance of the analysis of your data for the personalisation of the product offer will not affect this evaluation.

  The non-acceptance of this processing will also not prevent us from contacting you for operational management purposes of the products and services you have contracted.

• Logic: The customer profile is calculated based on the data indicated in the "Processed data" section.

  Mathematical formulas obtained from the past behaviour of customers with similar characteristics are applied to this data to infer the customer's future behaviour. These mathematical formulas allow us to determine the importance of all the data processed in the final result of the applicant's profile.

  This final result is the probability that the customer will be interested in a product or service.

Preparation of management reports and mathematical models

The data processed and resulting from this process will also be used to prepare management reports and mathematical models under the terms detailed in the processing defined in section 6.4.F of this Policy.

And if I do not consent and I no longer want you to customise the product offer?

We will only process your data if you have given us your consent to do so. Your consent will remain valid until you revoke it.

And if I stop being a customer?

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

Who will process my data?

The following CaixaBank Group companies are joint data controllers of this data processing.

• CaixaBank, S.A.
• CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U.
• Nuevo Micro Bank, S.A.U.
• Facilitea Select Place, S.A.U.
• ImaginersGen, S.A.
• VidaCaixa, S.A.U. de Seguros y Reaseguros

You will find the essential aspects of the joint data controller agreements at: www.caixabank.es/empresasgrupo.