Your privacy is important to us, and we want you to be comfortable with how we use and share your personal information. This Privacy Policy describes BANRESERVAS policies and the procedures on the collection, transmission, manipulation, storage, disclosure, and treatment of your information when you access our website or interact with BANRESERVAS through its different channels and contact points. In this document "we" and "our" refer to BANRESERVAS; and "you" refers to the user of this site or the person who interacts with our channels and contact points.
By visiting BANRESERVAS.COM or contacting us, you are accepting and consenting to the practices described in these Privacy Policies. The controller of your information is BANCO DE RESERVAS DE LA REPÚBLICA DOMINICANA, BANCO DE SERVICIOS MULTIPLES, a financial intermediation entity organized and existing in accordance with the laws of the Dominican Republic, registered with the National Taxpayers Registry (RNC) with the number 4-01-01006-2, and under Law No. 172-13 dated December 15, 2013, which aims at the comprehensive protection of personal data stored in files, public records, data banks or other technical means of data processing intended to give reports, whether public or private, the bank is responsible for its handling.
The Privacy Policies detailed here may be subject to changes, which will be informed in due time through any reliable means.
This policy was last revised on [August 4, 2020]
What personal information do we collect about you?
When you access this website or contact us directly, the kind of information we collect is:
a) Information that you provide to us: You provide such information when you register and open an account with us or communicate with our customer service team through any means, including, but not limited to, social networks, messaging applications, email, support chats, etc. For example, you provide information when: you access TuBacomnco WEB or through the APP, when you issue orders, instructions or inquiries about operations related to your products contracted with us; provide your account information; communicate with us by system, phone, email or otherwise. As a result of those actions, you may provide us with information such as: your name; contact information (telephone numbers, email addresses, address, marital status, among others); content of electronic communications, names and profiles of messaging apps, and social networks, among others.
b) Automatic Information: The information we collect and analyze includes computer information (Internet Protocol -IP address used for Internet connection; operating system and/or platform, browser name and version, Uniform Resource Locators - URL through and from our website [including date and time of visit]; number of cookies. User information (login details [username and password], email address; any phone number used to call our customer service number. When you use your mobile device to contact us or use our services, we may additionally capture your location, the IP address that is assigned to your device, phone number, and information that you directly provide to us about third parties. We may use browser data such as cookies or similar data on certain parts of our website for fraud prevention and other purposes. During some visits we may use software tools such as JavaScript to measure and collect session information, including page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, and clicks).
c) Information from other sources: Examples of the information we receive from other sources include: the information we receive from third parties such as Financial Intermediation Entities, Credit Information Companies, the Superintendency of Banks, the Foreign Assets Control Office of the United States of America, Entities that offer Centralized Securities Depository services, Stock Markets, Investment Fund Administrators, Pension Fund Administrators, Trust Companies, Securitization Companies, Superintendence of Securities, Commercial Registry, the Central Electoral Board, among others that the current regulation allows.
What do we use your information for?
The purposes for which we use your personal information, as well as the legal use covered by the different laws and regulations for the protection of personal data that we give to them are detailed below:
a) It is necessary for us to use the information we obtain from you to personalize and continually improve your experience at BANRESERVAS. We use the information to know our customers, process payments, communicate with you about any order or instruction related to the values, products and services transacted or offered by our System, update our records, and generally give maintenance to your accounts with us, as well as how to recommend products and services that may be of interest to you. We also use this information to improve our Site and System, prevent or detect fraud or abuse of our website or System, and enable third parties to perform technical, logistical, or other functions on our behalf.
b) It is necessary for us to use your personal data for the purpose of executing the service contracts that you have with us or advance the internal processes to facilitate new services.
c) It is necessary for our legitimate interest or that of third parties, which includes:
d) To identify you when you contact us so that we can communicate with you.
e) To carry out market studies for the continuous improvement of our products and services and of our suppliers and intermediaries for your benefit.
f) To verify the accuracy of the data we store about you in order to have a better understanding of you as a customer or visitor.
g) To contact you to offer new products, improvements to products already contracted or for market or satisfaction studies and their analysis. This allows us to evaluate our services and to offer improvements or new services to you.
h) To create a profile of you that allows us to personalize our services and offer you products of interest for marketing purposes.
i) To administer our website, for analysis and internal operations, including error correction, testing and for statistical purposes. To strengthen the network and information security to protect your information from loss or damage.
j) For efficiency, accuracy and improvement of our databases and systems to, among other things, consolidate the information that we, the Reservas Group companies or third-party intermediaries or support providers of our services maintain about you.
k) To execute or protect our legal or contractual rights or enforce them in justice.
l) It is necessary for compliance with our legal obligations, including, but not limited to, fraud prevention, asset laundering and terrorist financing prevention, compliance with local or foreign tax regulations, and compliance with other regulations including those related to disability.
How do we protect your data?
BANRESERVAS has implemented cyber and information security policies, standards, and technical measures to protect your personal data against identity theft, unauthorized access or modification, improper use or disclosure, illegal destruction or accidental loss, fraud, and theft of information. To protect the data we store, BANRESERVAS regularly audits its systems to detect possible vulnerabilities and attacks. However, since the Internet is not a completely secure environment, we cannot ensure or guarantee the security of any information you transmit to BANRESERVAS or guarantee that your information in the services and systems cannot be accessed, disclosed, altered, or destroyed for breach of any of our physical, technical, or managerial security measures.
In the event that personal information is compromised as a result of a security breach, BANRESERVAS will notify the people whose personal information has been compromised as soon as it becomes aware of it. Our security procedures mean that we may occasionally request proof of identity before disclosing personal information to you. It is important for you to protect against unauthorized access to your access codes and to your computer. Be sure to sign out when you are finished using a public or shared computer.
All of our employees who have access to your information and are associated with the processing of customer personal information, are obligated to respect the privacy and confidentiality of our customers.
How do we share and how is your information used by third parties?
We share information with third parties in the following circumstances:
a) Third parties acting on our behalf (such as suppliers, agents, or subcontractors) for the purpose of providing services to us or directly to you on our behalf. These may include providers of servers, hosting, back-ups, providers of IT Software and its maintenance, income verification entities, credit bureaus, communication services, advertising, and marketing agencies, as well as analytical intelligence.
b) For the purposes of executing the commitments contracted with you to businesses, data processors, public registries, as well as any entity that should have knowledge in order to execute the services requested and consented to by you.
c) To the Monetary Board, the Central Bank of the Dominican Republic, the Superintendency of Banks of the Dominican Republic, the Superintendency of Securities of the Dominican Republic, the General Directorate of Internal Taxes and any local or foreign administrative entity that requires it subject to the confidentiality obligation placed in charge of financial intermediation entities in accordance with Monetary and Financial Law 183-02.
d) Subject to the legal provisions that govern the matter, to the different entities that preserve public order including the Attorney General of the Dominican Republic, the Financial Analysis Unit and any other authorized by law.
e) To the courts of the Dominican Republic or of any jurisdiction in compliance with a legal order, for the administration of justice, or to protect our vital interests in the protection of the security and integrity of the operation of our business.
f) Lawyer's offices or debt collection agencies for the recovery of money owed to us.
g) If you are our client, to any third party to whom we sell the debt you have with us. When this is done, you will be informed, and that third party would become the administrator of your personal data.
Data anonymization and use of aggregate information.
Your data may be anonymized for statistical purposes and in an aggregated manner in such a way that your data cannot be identified or identifiable. Aggregated data is not traceable to you as an individual person. This information may be used for research and statistical analysis.
Retention of your information.
The length of time we retain your information is determined by multiple factors including the purpose for which it is used. We do not retain personally identifiable information for longer than is strictly necessary and required by regulations.
If you are our customer, we retain your information for up to 10 years after the end of your contractual relationship with us due to legal and regulatory requirements. We may retain information for shorter and longer periods than those indicated above under the following circumstances:
a) When the law requires us to keep it for a longer period, or to delete it in advance.
b) When you uphold your right to have the information deleted, when applicable, and we do not have a legal obligation to keep it.
c) In those cases that the law allows us to keep it indefinitely, giving it the appropriate protection for its conservation and security.
Use of cookies
Our website uses cookies to distinguish you from other users. We use cookies and other web log files to track site usage and trends, to improve the quality of our services, to personalize your BANRESERVAS experience, as well as to serve third-party advertising to users both on and off the BANRESERVAS site. When you use our services and systems, we use session and persistent cookies and other tracking technologies to:(i) analyze the use of the services; (ii) personalize the service according to your preferences; and (iii) control the advertising displayed by the services. A persistent cookie remains on your computer after you close your browser so that it can be used by your browser on subsequent visits to the service. Persistent cookies can be removed by following the instructions of your Internet browser. A session cookie is temporary and disappears after you close your browser. You can set your browser to reject all cookies or to indicate when a cookie is being sent. However, some features of the Services may not function properly if the ability to accept cookies is disabled. We may also use other Internet technologies and other methods to collect additional information.
In order to optimize services to our users, we may allow authorized third parties to place or recognize a unique cookie on your browser. Any information provided to third parties through cookies will not be personally identifiable but may provide information by segment in general (for example, about your geographic location, preferences, etc.) for the improvement of the user experience by providing more relevant advertising. If you want to find more information about cookies, we recommend that you visit www.allaboutcookies.org.
What happens to third party content and links to other websites?
Our website may include third party advertising and links to other sites. We do not provide any of your personally identifiable information to these advertisers or third-party websites.
These third-party websites and advertisers, or Internet advertising companies working on their behalf, sometimes use technologies to send (or "serve") the advertisements that appear on our website directly to your browser. They automatically receive your IP address when this happens. They may also use cookies, JavaScript, and other technologies to measure the effectiveness of their advertisements and to personalize advertising content. We do not have access to or control over cookies or other items they may use, and the information practices of these advertisers and third-party websites are not covered by this Privacy Policy. Please contact them directly for more information about their privacy practices.
How can you exercise your rights of access, rectification, opposition, and cancellation?
As the user who owns the personal data, you may exercise your rights of access, rectification, opposition, and cancellation through the following channels:
1. Send us a written and signed request to our registered office:
BANCO DE RESERVAS DE LA REPÚBLICA DOMINICANA, BANCO DE SERVICIOS MÚLTIPLES
Winston Churchill Ave., Ensanche Piantini, Santo Domingo, 10148, Dominican Republic, indicating on the envelope "cancellation of personal data".
The letter must contain:
a) Name and surname of the applicant
b) Petition in which the request is specified
c) Email address with which the registration was carried out (e-mail)
d) Photocopy of the identity card or passport, postal address, and contact telephone number.
2. Send us an electronic mail (e-mail) to [contacto@banreservas.com], with the information and documentation indicated in the previous point, indicating in the subject "cancellation of personal data".
3. Through a specific email that you will find in all communications, electronic bulletins, etc., that you receive from BANRESERVAS or its affiliates, in order to unsubscribe you from receiving them.
Do you need additional information?
If you have any concerns or questions regarding your privacy, please send us an email at [contacto@banreservas.com] or call us at 809-960-2121.
Changes to this Policy.
We may revise the content of this Privacy Policy from time to time. Changes will be notified by updating the website or by email. Changes will take effect immediately on the date they are published on the website or notified by email. We recommend to regularly visit our website to be informed of any changes made to these Policies. If you do not agree with any aspect of our policies or the changes to which it is subject, you must notify us of them through any reliable means and stop the use of our services.
