This policy explains how we collect, use and protect your personal data when you use our services. Data are processed only for lawful, specified purposes; you have rights of access, rectification and objection as provided by law. We implement technical and organizational measures to secure and retain data; for privacy requests please contact our branch office.
Privacy Questions & Answers
1. Why does Ziraat Bank Albania have a privacy policy?
Because we want you to feel safe. The privacy policy explains how we collect, use and protect your personal data, according to Albanian law and European standards (GDPR).
2. What personal data does the bank collect?
When you open an account or deposit, we collect:
- Name, surname and identification document.
Your contacts (phone, email, address).
Financial information (accounts, deposits, loans).
3. Why do we use this data?
- To open and manage your account.
- To fulfill legal obligations towards the Bank of Albania and the fiscal authorities.
- To protect the system from fraud and manage risk.
- With your consent, to send you marketing offers and announcements.
4. Who is your data shared with?
- Within the ZFG Group, including with headquarters in Turkey, for coordination and reporting.
- With regulatory authorities, when required by law.
- With technical partners (consultancy, audit).
- With partner financial institutions, when you carry out interbank transactions.
👉 Example: when you make an international payment, your details are shared with the partner bank that makes the transaction.
We have put in place strong security measures to protect your data.
5. How long is the data stored?
The data is stored only for as long as it is necessary for the service and according to the legal deadlines. Upon completion, they are deleted or anonymized.
6. Does the bank use automatic decision-making?
Decisions about your services aren't made by algorithms alone. There is always human intervention, unless you have given your express consent.
7. How is data used for marketing?
We can send you emails or SMS for quotes only with your consent.
👉 Example: if you have agreed to receive notifications, you may receive an email about a new deposit product.
You can withdraw consent at any time, at no cost and without consequences on your relationship with the bank.
8. What rights do you have under the law?
You have the right to:
- You are informed about data processing.
- Request access to your data.
- Correct incorrect data.
- Request deletion of data.
- Restrict processing to certain circumstances.
- Object to processing, including marketing.
- Look for data portability.
- Do not submit to automatic decision-making.
- Lodge a complaint with the Personal Data Protection Authority.
- Withdraw consent at any time.
9. What happens when you use our site?
The site uses cookies for functionality and analytics.
👉 Example: cookies help us understand which pages are visited most often, so that we can improve the service.
You can manage your cookie preferences through your browser.
10. How do we protect your data?
We use security measures such as:
- Data encryption.
- Access controls.
- Regular audits.
- Staff training.
11. Who can you turn to?
For any questions or requests, you can contact:
- The Data Protection Officer (DPO) at the bank, at the address info@ziraatbank.al
- Commissioner for Personal Data Protection