INFORMATION ON THE PROTECTION OF PERSONAL DATA

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Clarification Text on Protection of Personal Data

As part of the legal and social responsibility of Birleşik Fon Bankası AŞ, a “Fund” Bank, we undertake to comply with personal data processing, storage, protection and destruction regulations and in this context, we would like to inform you about the “Personal Data Protection Law”.

1.Data Controller :


Our Bank Birleşik Fon Bankası AŞ bears the title of “Data Controller” in accordance with the Personal Data Protection Law No. 6698 (“KVKK”) published in the Official Gazette dated April 7, 2016.


Birleşik Fon Bank AŞ and the banks merged/acquired under Birleşik Fon Bankası AŞ (Bayındırbank AŞ, EGSBank AŞ, Etibank AŞ, Interbank AŞ, Esbank TAŞ, İktisat Bankası TAŞ, Kentbank AŞ, Toprakbank AŞ - merger/acquisition details are below*) that you have notified to our Bank within the scope of all kinds of agreements you have concluded with our Bank and/or your personal data obtained externally by our Bank may be processed, recorded, stored and processed by our Bank in the capacity of “Data Controller” and for the purposes and within the framework described below in accordance with the Law No. 6698 on the Protection of Personal Data (“KVKK”).

2. Purposes and Legal Grounds for Processing Your Personal Data:


2.1. Purposes and Legal Grounds for Processing Your Personal Data :


Your personal data; Banking Law No. 5411, Turkish Commercial Code No. 6102, Tax Procedure Law No. 213, Consumer Protection Law No. 6502, Cheque Law No. 5941, Financial Leasing, Factoring, Financing and Savings Financing Companies Law No. 6361, Law on Prevention of Laundering Proceeds of Crime No. 5549, Law on Prevention of Laundering Proceeds of Crime, Central Bank of the Republic of Turkey Law No. 1211, Bank Cards and Credit Cards Law No. 5464 are processed and stored in order to comply with the processing, storage, reporting and other obligations stipulated by legal regulations and relevant legislation.

In addition, including but not limited to the cases listed below; personal data of the data subject or third parties specified by the data subject may be processed by our Bank and/or third parties for various purposes.


  • a) Fulfillment, execution and development of banking activities and transactions within the scope of Article 4 of the Banking Law No. 5411,
  • b) Performing all kinds of banking services in a proper manner,
  • c) Regulation of all kinds of commercial and legal relations between the Customer and the Bank,
  • ç) Notifications to be made to regulatory and supervisory authorities such as MASAK, TBB, RA, Undersecretariat of Treasury within the scope of the legislation,
  • d) Intelligence studies, creditworthiness assessments, statistics, archiving and custody services,
  • e) Offering a new and/or additional credit or non-credit product or changing the existing conditions where it is necessary to check the credit and/or transaction history of the relevant person,
  • f) Ensuring the security of banking transactions, as well as detecting and/or preventing fraud, money laundering or other criminal activities,
  • g) Meeting the relevant person's requests for information, complaints, questions and requests,
  • h) Verification of the identity information of the relevant person and third parties whose information is provided by our Bank,
  • i) Ensuring the Bank's property and security,
  • j) Preparation and presentation of various reports, research and/or presentations,
  • k) Ensuring building security for visitor data,
  • l) Fulfillment of the contracts concluded with the customer,
  • for processing and storage.

Your personal data will be processed in accordance with the conditions and purposes of personal data processing specified in Articles 5 and 6 of Law No. 6698, including the fulfillment of your contracts and instructions, making necessary evaluations for the services provided, ensuring compliance with banking legislation, insurance legislation, legislation on the prevention of money laundering, capital markets legislation, tax legislation, Social Security Institution legislation, other legal regulations including consumer law, compliance with domestic and international legislation, compliance with risk monitoring and reporting obligations, information sharing, reporting, and information obligations foreseen by the Credit Bureau, Interbank Card Center, Banking Regulation and Supervision Agency, Central Bank of the Republic of Turkey, Capital Markets Board, Financial Crimes Investigation Board, Turkish Banks Association, Revenue Administration of the Ministry of Finance of the Republic of Turkey, Prime Ministry Undersecretariat of Treasury, and other authorities, compliance with information and document retention obligations arising from legal regulations, prevention of fraud, ensuring security, conducting planning activities required by our Bank, determining and implementing our Bank's commercial and business strategies, conducting financial, communication, market research, and procurement operations, maintaining internal system and application management operations, managing our legal processes, and implementing social responsibility projects, in order to provide you with better and more reliable services continuously, within the framework of personal data processing conditions and purposes specified in Articles 5 and 6 of Law No. 6698.


In addition, even if you are not our customer, your personal data may be processed by our Bank in order to determine, monitor, report and control the risk group you will be included in in order to determine the credit limits to be extended to a risk group according to the banking legislation within the scope of Article 49 titled Risk Group of the Banking Law. Partnerships in which you, your spouse, your children and the aforementioned persons are members of the board of directors or general managers or in which they or a legal entity, together or individually, directly or indirectly control or in which they participate with unlimited liability, and qualified shareholders, members of the board of directors and general managers of a bank, together or individually, Real persons and legal entities that they directly or indirectly control or in which they are partners with unlimited liability or in which they are board members or general managers, and real persons and legal entities that have bail, guarantee or similar relationships to the extent that the insolvency of one of them will result in the insolvency of one or more of the others constitute a risk group. In addition to these, other real and legal persons to be included in the risk group are determined by the Banking Regulation and Supervision Agency.


It is processed in relation to Banking activities in order to provide our Bank's products and services, to communicate about the products and services you have requested / will request in this regard, to be used in marketing activities if you have given your consent in this regard, product / service offer, credit evaluation procedures, existing or new product studies of our Bank and our affiliates and potential customer identification, etc.


Pursuant to the Constitution of the Republic of Turkey, the Law No. 6698 on the Protection of Personal Data, the Regulation on the Deletion, Destruction or Anonymization of Personal Data and the relevant legislation, your personal data will be destroyed in the event that all the conditions for processing personal data disappear and the legal periods required to be kept expire.

2.2. Cases Not Requiring Consent :

In accordance with the second paragraph of Article 5 of the Law on the Protection of Personal Data No. 6698, it is mandatory for United Fund Bank Inc., as the data controller, to process personal data of the parties to the contract in cases where it is expressly stipulated in laws, directly related to the establishment or performance of a contract, necessary to fulfill the legal obligations of the data controller, publicly disclosed by the data subject, necessary for the establishment, exercise, or protection of a right, without harming the fundamental rights and freedoms of the data subject, and necessary for the legitimate interests pursued by the data controller, except where such interests are overridden by the interests or fundamental rights and freedoms of the data subject, in the exceptional cases specified in Article 73/4 of the Banking Law, without obtaining explicit consent.

The data published or disclosed to the public or included in the official registers or balance sheets and annual reports in accordance with the principle of openness in the laws or the data that are obliged to be disclosed in terms of public disclosure in accordance with the provisions of the laws and the data disclosure to be made by the Bank in order to fulfill its legal obligations arising from the legislation to which it is subject and/or due to legal obligations and/or in order to fulfill the obligation to transfer data to persons who may request secrets in the laws, The use and transfer of such data are not subject to the Bank's confidentiality obligation and Birleşik Fon Bankası A. Ş. is authorized to disclose, give, process and transfer such data to the relevant persons.

3. Transfer of Your Personal Data:

When transferring information between our Bank and third parties, the Bank has taken all necessary measures to protect the confidentiality of Customer information, including the confidentiality of your personal data.

Our Bank ;

  • a) if necessary for the proper performance of the service,
  • b) where permitted by legislation and/or
  • c) If it serves the commercial purpose of the Bank, the Bank has the right to mutually transfer and share your personal data with the third parties listed below. Parties to whom data may be transferred or shared:
  • The Savings Deposit Insurance Fund, which is 100% shareholder of the Bank, its employees, company officers, legal, financial and tax advisors, auditors.
  • Other companies under the management and supervision of the TMSF and their employees,
  • The parties from which the Bank receives services that are complementary or extension of its activities and support service organizations and contracted institutions including KKB and FINDEKS and BDDK, SPK, TCMB, MASAK, TBB, KOSGEB, GİB, Undersecretariat of Treasury, SGK, Credit Bureau, Supreme Election Board, Authorities such as the Turkish Employment Agency, authorized public institutions and organizations such as ministries, judicial authorities, persons, institutions and organizations permitted by the provisions of other legislation including Article 73/4 of the Banking Law, correspondent banks and domestic/foreign financial institutions, insurance companies, reinsurers, if necessary
  • In addition, all kinds of banking services received from the Bank; electronic transfer messages related to all kinds of money transfers to be made to domestic and foreign accounts, foreign trade transactions, transactions to be carried out through banks and / or by using the swift system, and third parties and institutions, including international or domestic banks and financial institutions, in order to carry out these transactions and related transactions,
  • Institutions and organizations with which all kinds of account and transaction information, including account number, identity information, address, subject of business, are shared due to agreements before the United Nations and other international agreements ratified by the Republic of Turkey and other legal requirements,
  • Credit bureaus and/or debt collection agencies, including but not limited to:
  • Credit Bureau and/or other organizations that perform similar activities;
  • Other problematic credit management and debt collection agencies that facilitate the payment and/or purchase (assignment) of problem receivables,

Article 8 of Law No. 6698 on the transfer of personal data and Article 9 on the transfer of personal data abroad can be transferred within the framework of the personal data processing conditions and purposes specified in Article 9.

4. Method and Legal Grounds for Collection of Your Personal Data :

Your personal data, Head Office or Branches, customer interviews, written/digital applications made to direct sales teams, direct banking, ATMs, internet branches, all mobile applications, call centers, contracted dealers and companies that we carry out their activities in the capacity of intermediary/agency, applications made through contracted websites, social media, scanning of judicial records, market intelligence, Identity Sharing System, Address Sharing System, SMS channels, Merchant POS channels, contracted stores, online sales sites, SSI records, call center service companies, PTT, Interbank Card Center, credit files, etc., and other channels through which our Bank communicates with you or may communicate with you in the future, to the extent permitted by the relevant legislation and within the limits set by the relevant legislation, by accessing the databases of various institutions and organizations by obtaining your consent where legally mandatory, and stored within the legal periods in accordance with the relevant legislation.

Your personal data collected by these methods may also be processed and transferred for the purposes specified in Articles (2) and (3) of this Clarification Text within the scope of the personal data processing conditions and purposes specified in Articles 5 and 6 of Law No. 6698.

5. Your Rights Pursuant to Article 11 of the PDPL:

Within the scope of Article 11 of PDPL;

  • a. To learn whether your personal data is being processed or not,
  • b. Request information if it has been processed,
  • c. To learn the purpose of processing your personal data and whether it is used in accordance with its purpose,
  • ç. Learning the third parties to whom it is transferred domestically and/or abroad,
  • d. To request correction of your personal data if it is incomplete or incorrectly processed,
  • e. To make a request for the deletion or anonymization of your personal data (deleting your personal information on the banking data and making the record independent from the personal data) within the scope of Article 7 of the KVKK in the event that the reasons requiring the processing of your personal data disappear and there is no legal obstacle,
  • f. In the event that your personal data is corrected or deleted/anonymized, to request notification of the correction or deletion/anonymization to the third parties to whom your personal data has been transferred,
  • g. To object if a result arises against you due to the analysis of your personal data exclusively by automated systems,
  • h. To request compensation for damages in case you suffer damage due to unlawful processing of your personal data,

You have rights. Pursuant to paragraph 1 of Article 13 of the Law No. 6698, you may submit your request to exercise your above-mentioned rights to our Bank in writing or by other methods to be determined by the Board.

Requests can be submitted in writing to our Bank's address “Büyükdere Caddesi No:143 K:1-2 Esentepe Şişli/İstanbul”, to the electronic mail address kvkk@fonbank.com.tr or via the application form on the website www.fonbank.com.tr.

In this context, you can access the relevant “application form” here

If your requests are submitted to the Bank, these requests will be finalized free of charge as soon as possible and within thirty days at the latest, depending on their nature. If the transaction requires an additional cost and/or the transaction complies with the tariff specified by the Board, the amounts specified in the tariff will be requested.

Update date :05.03.2021

*The Birleşik Fon Bank was established in 1958 under the name Çaybank AŞ to support tea producers, renamed Derbank AŞ in 1992, joined the Bayındır Group at the end of 1997 and was renamed Bayındırbank AŞ On July 9, 2001, our bank was transferred to the Tasarruf Mevduatı Sigorta Fund (TMSF) with the decision of the BRSA and its title was changed to Birleşik Fon Bankası with the decision taken by the TMSF on December 7, 2005. The management, audit and shareholding rights of Birleşik Fon Bankası, excluding dividends, belong to the TMSF.

The process of transferring the banks seized by the TMSF to our Bank is detailed below:

BAYINDIRBANK AŞ (09.07.2001)

With the decision of the Banking Regulation and Supervision Board dated 09.07.2001 and numbered 383, the shareholding rights, management and supervision of Bayındırbank AŞ were transferred to the TMSF in accordance with paragraphs 3 and 4 of Article 14 of the Banking Law No. 4389.

EGSBANK AŞ (18.01.2002)

Pursuant to the decision of the TMSF Board of Directors dated 26.12.2001 and numbered 428, it has been decided to merge EGSBANK with Bayındırbank as of 18.01.2002 in accordance with the decision of the BDDK dated 26.12.2001 and numbered 562, with all its assets and liabilities, within the framework of the principles of succession.

ETİBANK AŞ (05.04.2002)

(including Esbank TAŞ (05.04.2002) and Interbank AŞ (05.04.2002)) With the decision of the TMSF Board of Directors dated 20.03.2002 and numbered 177, it was decided to lift the liquidation of Etibank AŞ in liquidation pursuant to the BRSA decision dated 20.03.2002 and numbered 653 and to merge all of its assets and liabilities into Bayındırbank AŞ, which is wholly owned by the TMSF.

İKTİSAT BANKASI TAŞ (05.04.2002)

With the decision of the TMSF Board of Directors dated March 20, 2002 and numbered 177, it was decided to lift the liquidation of İktisat Bankası TAŞ, which was in liquidation pursuant to the BDDK decision dated March 20, 2002 and numbered 653, and to merge all of its assets and liabilities into Bayındırbank AŞ, which is wholly owned by the TMSF.

KENTBANK AŞ (05.04.2002)

With the decision of the TMSF Board of Directors dated March 20, 2002 and numbered 177, it was decided to lift the liquidation of Kentbank AŞ in liquidation and merge it with all its assets and liabilities into Bayındırbank AŞ, which is wholly owned by the TMSF, in accordance with the BDDK decision dated March 20, 2002 and numbered 653

TOPRAKBANK AŞ (30.09.2002)

With the decisions of the BDDK dated 26.09.2002 and numbered 826 and of the TMSF dated 26.09.2002 and numbered 604, it was decided to merge the assets and liabilities of Toprakbank AŞ under Bayındırbank AŞ

Therefore, the United Fund Bank continues its activities as the successor of 8 banks. In addition, some loan and deposit accounts of Demirbank, Sitebank AŞ, Sümerbank, Tarişbank, Bank Ekspres and Türk Ticaret Bankası AŞ, which were sold or liquidated, are also monitored by our Bank.