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Dear user,
We’d like to inform you that, in order to provide you a better and faster service, and according to your requirements, ProCredit Bank has created some application forms in some areas of the ProCredit Bank website, such as: applying for the Onboarding Programme or online requests for Applications for Banking Services, or complaints from customers require users to fill in an online application form by giving in this way, even some of their personal data.
The data will be collected, processed and stored by the bank in compliance with the provisions of Law no. 9887 dated 10.03.2008 "On Protection of Personal Data". These actions will be carried out according to the principle of respecting and guaranteeing human rights and fundamental freedoms and in particular the right to privacy.
ProCredit Bank stresses that the provision of your personal data it is not mandatory as well as it is optional to any subject to provide voluntarily the required information and to continue with the service requested (e.g., job applications, applying for banking services, application of online complaints).
 In this context, ProCredit Bank wishes to bring to the attention of each user that after the information has arrived on the Bank Web server, the latter implements a security system with high standards for storage and further processing of this data, in complete accordance with the provisions of law no. 9887 dated 10.03.2008 "On Protection of Personal Data". We use appropriate security measures to protect the data under our control against manipulation, loss, destruction, unauthorized access and unauthorized detection. Our security procedures are being improved constantly by introducting of the most recent technologies.
The user confirms the completion and authenticity of the information provided by stating that he has correctly completed all the required information. Also, by completing the online application, the user declares that he gives his consent for further processing of the information provided for use by the bank according to the privacy statement on which the client gives his consent in the case of application in the ProCredit Onboarding Programme according to link: or for the purpose for which the user has voluntarily provided his personal data and / or for promotional announcements by various means of communication in case the data subject has given his online consent (case of online applications for banking services).
We would like to clarify to all data subjects that the information provided by you will be processed by us according to the defined purpose, or the consent of the client, or the definitions of the Albanian legislation.This data is not transmitted to unauthorized third parties without the consent of the client, according to the framework of Albanian legislation on personal data protection.
The Bank is committed to the protection of personal data within its premises and system; The Bank guarantees that the employees of the bank and the companies that provide services to the Bank are obliged to maintain confidentiality in accordance with the provisions of the Law on Personal Data Protection and the principles of data protection.

Client data will not be used for purposes other than data that is to be used at the time of their collection or purposes related to the provision of banking products and services directly by it or through the postal service company as well as other third parties contracted by the bank which are licensed to perform the relevant services, in accordance with domestic and European Union legislation. This includes entities that provide outsourced services to the bank, such as: remote identification and remote verification based on applicable EU and Albanian legislation in force in our country.
If there is a legal or regulatory obligation from public authorities and other institutions (such as the Bank of Albania, the Directorate of Taxes, Local and Central Tax Institutions, the Customs  Directorate, the General Directorate for the Prevention of Money Laundering, the Deposit Insurance Agency, Private and Public Bailiff Service, Court, Prosecution Offices, Police, etc.), the Bank allows the use, processing, administration of customer data even by these institutions. These institutions also include the Bank's External Auditors or other entities that are part of the ProCredit financial group based in Germany. These institutions are allowed to use the data to the extent necessary and in any case in compliance with the requirements of specific laws.
In case the Bank will process / transmit / transfer data for purposes other than meeting the terms and conditions for the provision of financial / banking services under this document and the General Business Conditions, the Client's consent is obtained according to the requirements of the legal and sub-legal acts in force. The Bank respects the principle of using data for specific and clearly defined purposes and consequently collects, processes, uses and stores client data only for the purposes of providing and fulfilling financial/ banking services to it.
At any time, after the user has voluntarily provided the required information in specific areas, the latter has the right to access this data through a request to ProCredit Bank, as well as to request their update, correction, according to the legislation in force. Customers can also request further information from the bank on data protection and how the bank processes their data. The storage, handling and processing of these data is done in accordance with law no. 9887 dated 10.03.2008 "On the Protection of Personal Data", and bylaws in its implementation.
Our privacy policy may change in the future. However, in no case the rights guaranteed by law no. 9887 dated 10.03.2008 "On the Protection of Personal Data", and bylaws issued in its implementation, will not be restricted.
We would like to inform you in advance that throughout your business relationship with ProCredit bank, for reasons of efficiency and high quality of service, some services which include remote identification and verification of the client by entities located in European Union countries; processing of loan aplications and processing of applications for other financial products and services, can be transferred and performed in real time by the company Quipu GmbH based in Germany; by entities based in EU countries that are certified by EU authorities to provide electronic trusted services based on applicable EU legislation; as well as by ProCredit Bank in Kosovo. In order to perform the services provided by the bank to the Client, it is necessary that the personal data of the clients to be transferred within the meaning of the law in force "On personal data protection" to the Quipu GmbH in Germany, to EU based companies that provide identification service. and remote verification, as well as to ProCredit Bank in Kosovo, a country which has no sufficient level of personal data protection. For this reason the transfer will be carried out in accordance with Law no. 9887, dated 10.3.2008 "On the protection of Personal Data", as amended and Instruction no. 41, Date 13. 06. 2014 "On allowing certain categories of international transfers of personal data in a country that does not have a sufficient level of data protection", aiming to ensure a sufficient level of data protection.