These principles of Processing the www.multitudebank.com website (hereinafter website) visitors Personal Data (hereinafter also principles) describe how we, Multitude (hereinafter also we, us or our) process Personal Data of our website visitors and any other Data Subjects (hereinafter also you). These principles apply if you visit our website, or in case you have expressed your wish to receive any information about our products or services.
1. Definitions
1.1. Data Protection Regulations
Any applicable laws and regulations regulating the processing of Personal Data, including but not limited to the GDPR.
1.2. Data Subject
An identifiable natural person who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.
1.3. Multitude
Multitude Bank p.l.c., Malta Registry of Companies code C 56251 with address ST Business Centre 120, The Strand, Gzira, GZR 1027, Malta; e-mail [email protected]
1.4. GDPR
Regulation (EU) 2016/679 of the European Parliament and of the Council 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, and repealing Directive 95/46/EC (General Data Protection Regulation).
1.5. Personal Data
Any information relating to Data Subject. Data which is protected by banking secrecy may also include Personal Data.
1.6. Processing
Any operation or set of operations which is performed on Personal Data or on sets of Personal Data, whether by automated means, such as collection, recording, storing, alteration, granting access to, making enquiries, transfer, viewing, etc.
2. Data Controller
2.1.
Multitude is responsible for the Processing of your Personal Data. These principles apply where Multitude acts as the Data Controller of your Personal Data in terms of the GDPR.
2.2.
As Multitude is a company established under the laws of Republic of Malta, then the Processing of your Personal Data shall be governed by the laws of Malta.
3. Collecting your Personal Data
3.1.
Multitude collects your following Personal Data in the following ways
3.1.1.
Contact and communication data through communications made to us
3.1.2.
Technical logs by automatic means when you use our website. Such Processing is further explained in our Cookies in Section 10.
4. Personal Data Processed
4.1.
Multitude Processes Personal Data collected for the following purposes:
4.1.1.
performance of our obligations arising from law
4.1.2.
Safeguarding our rights (establishing, exercising, and defending legal claims). The legal basis for such Processing is Multitudes legitimate interest
4.1.3.
Assessing and developing further the quality of our services and products, e.g., customer support service and quality assurance service. The legal basis for such processing is the legitimate interest of Multitude
4.1.4.
Assessing the quality of our (potential) service providers services which enables us to evaluate and develop further the quality of the services and products we offer. The legal basis for such processing is the legitimate interest of Multitude;
4.1.5.
Internal record and statistics keeping;
4.1.6.
Security of the website to guarantee a safe consultation and secure interaction with our systems;
4.1.7.
To ensure the best user experience;
4.1.8.
The purposes you would have requested when providing your Personal Data to us.
5. Disclosing the Personal Data
5.1.
We do not share your personal data with third parties and do not transfer your Personal Data outside of the European Economic Area.
6. Cookies
6.1.
A cookie is a small file to be placed on your computer or any other device you use to access our website. Cookies help analyse web traffic or let you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. A cookie does not give access to the device.
6.2.
Our website only uses the essential cookies. Essential cookies are a site’s basic form of memory, used to store the settings selected by a visitor. They are essential to our website’s functionality and cannot be disabled by you as a visitor.
7. Protection of Personal Data
7.1.
Multitude endeavours to maintain physical, technical, and procedural safeguards appropriate to the sensitivity of the Personal Data in question. These safeguards are designed to protect your Personal Data from loss and unauthorized access, copying, use, modification, or disclosure. Despite these safeguards, please note that no method of transmission over the internet or data storage is fully secure. Should we be required by law to inform you of a breach to your Personal Data we may notify you electronically, in writing, or by phone.
8. Data retention
8.1.
Multitude retains your Personal Data in accordance with industry guidelines for as long as necessary for the purposes for which they were collected, or for as long as necessary to safeguard our rights, or for as long as required by applicable legal acts. Kindly note that if the same Personal Data is Processed for several purposes, we will retain the Personal Data for the longest retention period applicable.
9. Your rights
9.1.
To the extent required by applicable Data Protection Regulations, you have all the rights of a Data Subject as regards your Personal Data. This includes the right to:
9.1.1.
Request access to your Personal Data
9.1.2.
Obtain a copy of your Personal Data
9.1.3.
Rectify inaccurate or incomplete Personal Data relating to you
9.1.4.
Erase your Personal Data
9.1.5.
Restrict the Processing of your Personal Data
9.1.6.
Be informed of the source from which your Personal Data originates where the Personal Data we hold about you was not provided to us directly by you
9.1.7.
Should you believe that your rights have been violated, you have the right to lodge a complaint with:
- Multitude data protection officer at email [email protected] or
- The Office of the Information and Data Protection Commissioner, Address: Floor 2, Airways House, Triq Il - Kbira, Tas-Sliema SLM 1549, Phone: 2328 7100, Email [email protected], Website https://idpc.org.mt/; or
- Data Protection Supervisory Authority of your country.
9.2.
When requesting access to, or rectification or deletion of your Personal Data, please note that we shall request specific information from you to enable us to confirm your identity and right to access, rectify or delete, as well as to search for and provide you with the Personal Data that we hold about you.
9.3.
Kindly note that your right to access, rectify, or delete your Personal Data we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse your request. In addition, the Personal Data may have already been destroyed, erased, or made anonymous in accordance with our record retention obligations and practices.
9.4.
If we cannot provide you with access to, or rectification or deletion of your Personal Data, we will inform you of the reasons why, subject to any legal or regulatory restrictions. We can assure you we will not discriminate you for exercising any of your rights described in these Principles.
10. Amending these principles
10.1.
Should our Personal Data Processing practices change or there shall be a need to amend these principles under the applicable law, case-law or guidelines issued by competent authorities, we are entitled to unilaterally amend these principles at any time. Our most recent principles will always be published on our website, and we urge you to check this at least once a month.
Name |
Description |
Category |
Expiry |
ASP.NET_SessionId |
General purpose platform session cookie, used by sites written with Miscrosoft .NET based technologies. Usually used to maintain an anonymised user session by the server. |
Strictly necessary |
0 days |
AWSALB |
AWS ELB application load balancer |
Strictly necessary |
7 days |
AWSALBCORS |
This cookie is managed by AWS and is used for load balancing. |
Strictly necessary |
7 days |
AWSALBTG |
AWS Application Load Balancer Cookie: Load Balancing Cookie: Used to encode information about the selected target group. |
Strictly necessary |
7 days |
AWSALBTGCORS |
AWS Application Load Balancer Cookie. Load Balancing Cookie: Used to map the session to the instance. |
Strictly necessary |
7 days |
__CookieConsentV200 |
Used to check whether the user has read the cookie disclaimer and has hit 'Accept All', 'Decline All' or 'Save Preferences. |
Strictly necessary |
Persistent (180 days) |
_ga |
This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default it is set to expire after 2 years, although this is customisable by website owners. |
Performance cookies |
729 days |
_ga_HDM6BN56JZ |
_ga |
Performance cookies |
729 days |
_gat |
This cookie name is associated with Google Universal Analytics, according to documentation it is used to throttle the request rate - limiting the collection of data on high traffic sites. It expires after 10 minutes. |
Performance cookies |
End of browser session |
_gid |
This cookie name is associated with Google Universal Analytics. This appears to be a new cookie and as of Spring 2017 no information is available from Google. It appears to store and update a unique value for each page visited. |
Performance cookies |
1 day |
_gat_INVDSitecore |
This cookie name is associated with Google Universal Analytics, according to documentation it is used to throttle the request rate - limiting the collection of data on high traffic sites. It expires after 10 minutes. |
Performance cookies |
End of browser session |