You are connected to www.riverbank.eu website (hereinafter the "Website") owned by
RiverBank ™ S.A.
5, Boulevard Royal
Tel.: +352 274937
RiverBank S.A. (hereinafter the "Bank") is a public limited company (société anonyme) governed by Luxembourg law registered with the Luxembourg Trade and Companies' Register under number B 202.096, registered for VAT under the number LU 28448743, authorised in Luxembourg as a credit institution with a full banking licence under number B00000400 and subject to the supervision of the Luxembourg financial regulator:
Commission de Surveillance du Secteur Financier, 283, route d'Arlon, L-1150 Luxembourg, Postal address: L-2991 Luxembourg
Telephone: (+352) 26 25 1-1, Fax: (+352) 26 25 1-2601, www.cssf.lu
In compliance with the Regulation (EU) 2016/679 of the European Union of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data (also called Global Data Protection Regulation, or GDPR), we wish to inform you that we , if you register via the Website, collect certain personal data about you and process such data. We may ask these data directly to you or we may get the data elsewhere.
Your data is constituted of
Your data is collected for the purpose of ensuring compliance with applicable legislation, notably with the law of 12 November 2004, as amended, on the fight against Money Laundering and Terrorism Financing as well as for the purpose of allowing us to process the loans that you may input into our system. We may as well use such data for general marketing purposes, including the sending of newsletters and of other relevant information. Your data is kept for as long as the law requires us to keep it. This is usually five years after the end of the relationship that has led us to collect your personal data. We do not use automated decision making. Should we use automated decision making in the future, we will inform you accordingly.
We have been processing your data as a data controller (determining the purpose for which and the manner in which any personal data are, or are to be processed) as well as a data processor (doing the actual data processing). Sometimes we process your data only as a data controller, in which case we have appointed a data processor. This data processor is EBRC S.A. - RCS Luxembourg B72585 – 5, rue Eugène Ruppert L-2453 Luxembourg – Phone +352 26 06 1. The data processor only receives encrypted data. The data processor has no key for decrypting the data, thus is technically not in a position to have actual knowledge of your personal data. Using the services of the data processor is necessary for allowing us to deliver the services that we intend to provide to you and/or your customers. In the agreements with the service provider, we ensure that, in addition to us encrypting, data is kept secure and not transferred to a third party. Apart from the above, we do not share data with third parties or in general transfer data outside the European Union.
Under GDPR, you have the following rights:
The purpose of the Pillar III is to impose on regulated credit institutions the disclosure of specific information, notably but not limited to (i) financial figures (ii) profit and loss details (iii) internal governance, (iv) risk management approach and (v) loan book analysis, based on both quantitative and qualitative approaches. Such document, once communicated annually to the regulator, is available via this link.
In case you have a complaint about a financial product or service provided by RiverBank S.A. our Complaints procedure foresees the following escalation steps:
1. You can send a complaint about any financial product or service provided by RiverBank S.A. in writing by post addressed to: RiverBank S.A. Attn. Legal Department 5, boulevard Royal L-2449 Luxembourg Any complaint must explicitly indicate that it is a complaint, has to include the customer's contact details and comprise a brief description of the reason for the complaint. A written acknowledgment will be sent to the complainant within 10 business days of receipt. RiverBank S.A. undertakes to provide an answer to complaints without undue delay and in principle within one month from the date the complaint was received. Where an answer cannot be provided within this period, RiverBank S.A. will inform the complainant of the causes of the delay and indicate the date at which its examination is likely to be achieved.
2. In the event that the response provided is not satisfactory to the complainant, the complaint and the response provided to the complainant may be referred to the authorised manager of RiverBank S.A. in charge of the management of the complaint treatment:
Mr. Robin RINKES
Head of Sales
5, boulevard Royal
3. Should you not be satisfied with the solution or response given after escalation to the authorised manager in charge of the management of complaint treatment, you can file a request for an out-of-court complaint settlement, in accordance with the provisions of regulation no. 16-07 issued by the Commission de Surveillance du Secteur Financier, by the following means:
Commission de Surveillance du Secteur Financier
Département Juridique CC
Grand-Duchy of Luxembourg
By phone : (+352) 26251-2574 or (+352) 26251-2904
By fax : (+352) 26 25 1 – 601
By e-mail: firstname.lastname@example.org
More details on the out-of-court complaint resolution can be found on the site of the CSSF: http://www.cssf.lu/en/consumer/complaints/
The Website is governed by the laws of the Grand Duchy of Luxembourg. The District court in and of Luxembourg has exclusive jurisdiction to settle any dispute arising out of or in connection with the Website.
© RiverBank S.A. all rights reserved. The reproduction of any part of the Website by any means without the prior written consent of the Bank is strictly forbidden. The name "RiverBank" as well as its logo are trademarks of the Bank. The reproduction, adaption, use or modification of these trade marks by any means is strictly forbidden without the prior written consent of the Bank.
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