Privacy Statement

This internet website is owned and maintained by Centrale Hypotheekbank N.V. (“CHB”).

When you visit this web site CHB may collect personal information about you, either directly (where you are asked to provide the info) or indirectly. CHB does recognize that it is critical for you to be confident that your privacy is protected when you visit our website. Therefore we commit ourselves to maintain confidential the information entrusted to us.

Your use of this website and the information you provide, is subject to the terms and conditions set forth in this privacy statement. By accessing this website you acknowledge that you have read and accept these terms of conditions. If you do not accept these terms and conditions, please do not use this website.

This privacy policy applies to our website and webpage’s and applies to the collection, data processing and information sharing of information you provide online. Our website may, however, contain links to third party sites not controlled by CHB nor governed by this privacy policy. We recommend that you check the privacy statement of other sites you visit before providing any personal information.

For purposes of this policy, “personal information” means any information concerning a natural person which, because of name, number, symbol, mark or other identifier can be used to identify that natural person. CHB does not collect any personal information about you unless you provide that information voluntarily by sending an e-mail [or by initiating an online transaction, such as completing an online application] or by completing a request for additional information.

The personal information we may collect about you, is the information you provide to us when you visit our web site and web pages. The information will depend on whether you input data in our online application forms. This information may include: name, address, telephone number, account number at a bank or other financial institution, type of bank account, and the name of the bank or other financial institution, email address, date of birth, current residential information including mortgage or rent payments, employment information, income information.

How we use your information?

Information collected on this website, is used by CHB to help us better understand your financial needs and in making available products and services, that we believe may be of interest to you and for the development of web statistics. The information you provide will be used to contact you when necessary, e.g. to notify you about functionality changes to the web site and to offer services that you may find helpful (provided you have not opted out of the receipt of such services).

We may share some information we collect about you to third parties, such as companies performing services on our behalf, to provide the services related to the mortgage loan product you requested. We do not disclose any information about our customers or former customer to anyone, except as permitted by law. Any company with which we share information about you for the above purposes is contractually required to comply with confidentiality standards.

The ways in which CHB collects, use and protect personal information through this website and otherwise, are specifically governed by the Provisions and Guidelines for Safe and Sound Electronic Banking.

Sensitive Data

CHB does not seek to collect sensitive personal information (such as info revealing political opinions, religious beliefs, health or other matters) through this site. If CHB does seek to collect such data, your prior (explicit) consent hereto will be obtained. Please note that, by providing CHB with unsolicited sensitive personal information you (explicitly) consent to our use of said information as described in this policy.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets 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.

When you sign in to My Account using our two factor authentication, we store your unique ID number, and the time you signed in, in an encrypted cookie on your hard disk. This cookie allows you to move from page to page at the site without having to sign in again on each page. When you sign out, these cookies are deleted from your computer. We also use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Your Choices

You’re always in control of your information. If you have question about our privacy policy or wish to opt out of receiving any marketing messages from CHB, you can contact us via online or via regular mail:

Centrale Hypotheekbank N.V.
Postbus 4563
Schouwburgweg 26
Curaçao
 
Amendments

CHB reserves the right to modify sections of this Privacy Statement at any time. Please check this statement from time to time for any changes.