The information we process, as the case may be, for BT Pay registration
In order to use BT Pay, you first need to be identified in the bank’s system as a customer and card holder. For this purpose, you shall be required to insert your phone number and date of birth.
Should you not be identified, you shall have to manually insert the details of any of your BT cards - card number, full name of the card holder (as printed on the card), card expiry date, CVV number (the 3-digit code printed on the back of the card). Out of the details provided for the purpose of identification and card enrollment in the application, the data base shall save the last 4 digits of the card number, the name of the card holder and the card expiry date.
At this stage you shall also be required to define a username (nickname) linked to your BT Pay account but not used for identification purposes.
If you have been identified based on the information related to the phone number and date of birth as a BT cardholder customer and in order to facilitate the cards’ enrollment in BT Pay, your mobile device shall display the icons of your BT cards accompanied by the following details: the last 4 digits of the card number, the name of the card holder and the card expiry date. In order to continue the card enrollment process, in certain cases, you must insert the CVV number of each card that you intend to use in the application.
In the case of users who have initiated the enrollment in the application of a BT card issued in the name of an natural person and are identified as its holder based on the above information (phone number and date of birth), the card will be automatically enrolled in BT Pay also for authentication of online payments.
For situations in which the enrollment of BT cards issued in the name of natural person is initiated, for which the identity of the user cannot be confirmed based on the phone number and date of birth, as well as in the case of enrollment of additional cards and those issued in the name of legal entities, the card enrollment can be done manually - separately for enrollment in the application, respectively in 3D Secure – and it must be confirmed by entering the SMS-OTP code sent to the phone number declared to BT by the cardholder at the time of opening the business relationship with BT or updating the data in the bank's system (hereinafter referred to as the "phone number declared to BT").
The enrollment of a BT card in the 3D Secure system, in order to allow the authentication of online transactions, will be allowed on a limited number of phone devices.
In order to complete the registration, in order to increase the protection of your data, we will send SMS-OTP codes to the phone number declared to BT.
We inform you that the application will read from the device used the SMS with codes sent by BT during the activation of the various functionalities of the application, codes that it will pre-fill in various fields where necessary, to come to your support, respectively to make it easy to take the necessary steps for activations. BT does not have access to other SMS from the device you are using.
You have the possibility to introduce in BT Pay cards issued on your behalf by other financial institutions in Romania (hereinafter referred to as „non-BT cards”). In this case we will process the following information related to these cards, which are personal data as appropriate: the card number, its expiration date, the CVV code and the last and first name of the card holder, name registered by you, which will be displayed in the SMS sent automatically when initiating a transfer.
The name introduced will also appear on the image of the non-BT card from the application, it can be changed from the Card Settings menu.
In order to complete the registration of a non-BT card in the application, in order to ensure that it belongs to you, you will be able to enroll the card according to the 3D Secure standards applied by the issuing institution of that non-BT card. Banca Transilvania does not know the method or the personal data used by the financial institution issuing the card to perform this verification.
After enrolling the non-BT card in BT Pay, the user can have the opportunity to access certain financial information of the non-BT card by activating for a period of up to 90 days to the Open Banking option.
In case of activating this functionality, BT Pay will have access to the following information which are, as the case may be, personal data of the client or of other persons to / from which he transferred amounts through accounts from other financial institutions: card balance, the selected IBAN account for the respective non-BT card and the transaction history from the selected payment accounts, including those made through the BT Pay application.
You can also enroll in BT Pay cards issued in your name by BT Direct IFN SA (hereinafter „BT Direct cards”). In this case, we will process the following information related to these cards, which are, as the case may be, personal data: card number, expiration date, CVV code and the name and surname of the cardholder.
In order to complete the registration of a BT Direct card in the application, in order to ensure that it belongs to you, you will be able to enroll the card after entering the SMS code received on the telephone number registered in the records of the issuing institution.
Information about you that we process, as the case may be, when you use BT Pay
For NFC payments
If you own a device with Android operating system and built-in NFC technology, by using BT Pay you shall be able to make payments to merchants with the BT cards from the app, by placing your phone close to the payment terminal at the respective locations. When you make payments to merchants, we shall receive data about yourselves, such as the verifications requested in order to execute the operation (for example, inserting your phone unlock password), information regarding the transactions, the data of the card with which you made the transaction, of the account attached to the card, including data related to the date, time and amount paid, information regarding the location of payment and the transaction description details.
In order to use the phone for payments to merchants, for devices with Android operating system, the NFC (Near Field Communication) function must be activated. If this is not enabled, BT Pay will have access to this feature to direct you to the NFC settings.
In case of installing the BT Pay application on devices with Android operating system that do not have the NFC function available, the BT Pay application can be used, except for payments to merchants.
In order to facilitate the enrollment in Google Pay of the cards already registered in BT Pay, the application will check if you use the Android operating system and, if so, if a card you have registered in the application is not enrolled in Google Pay, it will display a button that allows you to enroll in Google Pay. Please note that if you opt for this type of enrollment, the following data related to your card will be processed, including will be transmitted by Banca Tranilvania to the Google Pay solution provider securely: card number (PAN), card expiration date , cardholder name, BT customer code (CIF BT), Device ID, Wallet ID.
If you use an IOS based device, in order to use it for payment to merchants through NFC, you will need to enroll your card in Apple Pay. The use of cards in Apple Pay is subject to the terms and conditions of Apple Pay which you can find at the following link: Terms and conditions for using the BT Pay mobile application.
To facilitate the enrollment in Apple Pay of the BT Cards already registered in BT Pay, in case of phones using a iOS operating system, the application will verify if a BT card you have registered in the application is not registered in Apple Pay – will display a button that allows its faster enrollment into Apple Pay. Please keep in mind that if you opt for this type of fast registration, the following data related to your card will be processed and disclosed by Banca Transilvania to the Apple Pay solution provider securely: card number (PAN), date card expiration, card holder name, first 6 digits of card number (BIN), card type (debit or credit).
With BT Pay, you will be able to transfer between a BT card and any other BT card from the app or to send or request money to / from people in your contact list, as well as to / from any other BT Pay users provided that the transfer amount is accepted in a BT card. To be able to operate such transfers (referred to as „P2P transfers”) to the BT Pay users listed in your contact list, BT Pay will request access to the phone contact list. If you choose not to grant this access or if the BT Pay user's phone number to which you want to initiate a P2P transfer is not on your phone's address book, you must enter the phone number of the recipient of this type of transfer.
P2P transfers can be initiated either by selecting a specific phone number from your phone’s address book or by inserting the phone number of the recipient of the transfer.
In order to facilitate the P2P type transfers through the phone number, please note that the BT Pay application will display at the moment of initiating such a transfer, whether on the selected phone number (whether it belongs to a person in the contact list or not ) the BT Pay application is installed. Thus, if the phone number on which you have installed the BT Pay application is selected or entered by any BT Pay user in order to make a P2P transfer, that user will know that the BT Pay application is installed on that respective phone number.
Also, with BT Pay you will be able to initiate transfers from the BT Cards, based on IBAN code. This option is valid for both operating systems devices: Android and iOS.
In case you are using these functionalities, the data related to the transaction (sum, explanations, date, etc.) will be processed, as well as those belonging to the recipient to whom you have requested / transmitted a sum of money (name, surname, IBAN of the account in which or from which the payment is made).
In case of these transfers, you will be able to send the proof of initiating the transfer to an e-mail address entered by you in a dedicated field, in which context we will process this personal data.
In case of P2P transfers initiated from a non-BT card to a BT card, the authentication of the transactions will be performed according to the 3D Secure standards applied by the issuing institution of the non-BT card.
For using in BT Pay a BT card
If you have been identified as a customer of the bank, the BT cards issued or reissued, on request or at maturity, will be available in BT Pay, from where you can opt for their registration in the application.
For cash withdrawal from BT’s ATMs based on a code
BT Pay offers to the user the possibility to withdraw cash from the ATM based on a code generated from the BT Pay application, from an account related to a BT card issued on behalf of a natural person customer. The code will be valid for a short time and will be sent by the bank to the phone number selected from the BT Pay user's contact list or manually introduced by the user. For sending the code it is necessary for the bank to process the phone number of the recipient.
For contactless cash withdrawal from ATM BT
BT Pay offers the user the possibility to withdraw contactless cash from ATMs through BT Pay, from an account related to a BT card issued in the name of a client, natural and / or legal person registered in the application. The contactless ATM withdrawal operation will be possible only by entering the PIN code corresponding to the respective card.
For setting cards limits and / or card blocking
With the BT Pay application, daily transactions limits can be set on the cards enrolled in the application, also it will be allowed to temporarily or permanently block the cards and it will be possible to request the unlocking of temporarily blocked cards.
Access to these settings is only allowed after validating the user's right to access these features. For this purpose, for each card for which the use of these functionalities is desired, a SMS-OTP will be transmitted to the phone number declared by the card holder in the bank's records for the conduct of the business relationship. By entering the code received via SMS on this phone number, it is allowed to use these features for that card until it is removed from the BT Pay application.
These features, once set in BT Pay, are valid for that card, both in digital format and in physical format.
For displaying the card details in the application
Through BT Pay, you will be able to view and copy the data of your card - card number and CVV code (the 3-digit code displayed on the back of the card) in order to facilitate its use for online payments.
You are allowed to access this setting only after validation of the user's right to access this functionality. In this sense, for each card for which you want to use this functionality, a SMS-OTP will be sent to the telephone number declared at BT. By entering the code received by SMS on this phone number, it is possible to obtain this information for the respective card until it is deleted from the BT Pay application.
If the user is identified in the bank's system and the card issued in his name is activated for approving online payments, viewing and copying the card details is allowed after authentication with the phone unlock method.
For authentication / confirmation online payments through BT Pay
Online payments (payments made on merchants' websites) initiated with BT cards enrolled in BT Pay and 3D secure can be authenticated, respectively rejected, exclusively through the application.
The message related to the authentication / rejection of such an online payment will be sent within the application in which the respective BT card is enrolled, on the „general” channel. Authentication / rejection of online payment can be done from any of these devices.
Failure to activate the notifications sent on the „general” channel may make it impossible to receive the message necessary to authentication / reject the online payment.
In the case of phones with Android operating system, with the user's permission, the payment confirmation screen can be automatically displayed, without the need to access the notification or the application, the user can confirm or cancel the payment by the phone unlock method. We will request this permission after the first confirmation of an online payment or it can be set from the advanced settings of the phone - applications section - BT Pay application.
The user's payment authentication / rejection message will display the following information: the card from which the transaction was initiated (card image and the last 4 digits of the card, as they appear in the application), the name of the merchant to which you want to make payment, the amount of the transaction, the maximum time required for the transaction authentication and the status of the transaction authentication. If the card has been enrolled for the authentication of online payments in several devices, all these devices will receive the mentioned information. If the transaction has been approved / rejected from one of the devices, when accessing the application from any other device, the status of the transaction will be displayed.
Upon receipt of the message related to the initiated online payment, BT Pay will save the transaction identifier in the phone device, in order to be able to display the message at the next opening of BT Pay, in order to authentication / reject it. The transaction identifier remains stored in the used phone until the moment when the online payment is authenticated or rejected, as the case may be.
We also process the data related to the method of unlocking the phone chosen by you to ensure adequate security of transactions in accordance with the applicable legal provisions in the field of payment services. The data related to the method of unlocking the phone you have chosen (eg fingerprint, facial identification, model, PIN, password, etc.) is not in the bank's possession, but BT only finds the result of the verification (accepted / rejected) by comparing the data used when authorizing each payment transaction with the corresponding control data stored in your phone.
To update personal data in BT through the BT Pay application
In case of accessing this functionality, you will have the possibility to update through BT Pay some of the personal data necessary to the bank for compliance with the „know your customer” rules. In connection with the processing of your personal data for this purpose, you will be shown a separate privacy notice, specific to this functionality - Privacy notice regarding the processing of personal data for the update of some know-your-customer information via BT Pay.
For activating and using the Invoice Payments service
Within this service, personal data will be processed by BT as you are informed by the separate information note, specific for this functionality - Information notice regarding the processing of personal data within the Invoice Payments service.
Open Banking enrollment
In case of accessing the Open Banking functionality in case of non-BT cards added in BT Pay, BT will have access to the following information which are, as the case may be, personal data of the client or of other persons to / from whom he transferred / received amounts through the accounts from the financial institutions from which he integrated his accounts in BT Pay:
- The balance of the non-BT card / account for the selected non-BT card
- IBAN account for the selected card;
- List of transaction history from selected open payment accounts, including the following details: transaction date, transaction amount, transaction details (transaction details and transaction authorization code, person from whom amounts were collected in the respective account or, after case the person to whom amounts were transferred in the respective account).
For the communication with BT Pay users
The application delivers notifications regarding the following aspects:
- Notifications to confirm / deny the payment made through the cards registered in BT Pay app;
- Specific notifications, dedicated to users of the Invoice Payment service;
- Notifications related to transfers, such as the acceptance of the transfer by the beneficiary / payer, the successful completion of the transaction, the rejection of the transaction by the payer;
- Notifications related to offers, informing the user of new offers added to the list of offers, and whether it has unlocked an offer from the section Offers on the go;
- Notifications for authentication / rejecting online payments initiated with BT cards enrolled in the application and in 3DSecure;
- Notifications from BT, by which the user is informed regarding relevant aspects of the BT Pay application, other than those related to the functionalities above and, as the case may be, about information related to the development of the business relationship with the bank.
If you do not wish to receive any or some of these notifications, you can deactivate this option in the Settings menu of the application.
In case we need to communicate with you about important issues related to the use or operations in BT Pay, to ensure that these communications reach your attention, we reserve the right to use the phone number and / or e-mail address declared by you in the records of Banca Transilvania.
In order to inform you about the latest versions of the application available in the official Google Store / App Store, so that you can use all the BT Pay functionalities, we will notify you when accessing the BT Pay application. These notifications will be displayed a maximum of 2 times for each application update and will not block access to the use of the BT Pay application.
In order to display to you personalized offers, BT Pay shall request permission to access the location of the device on which the application is installed, in order to automatically display the offers of Star partners (applicable to the holders of Star credit cards), but also BT’s offers valid in certain cities. You may choose not to allow the access to your device location, case in which you have to select the city manually. At the same time, the app will give users the ability to view the partner locations of the published offer on the map, in which case it is necessary to activate the GPS functionality in the device settings.
By accessing the „Offers” menu of the application, you give BT your consent to collect information about offers you have previously viewed (saved, activated or applied for), so that we may notify you in the future about offers that meet your interests and in order to allow you to benefit from preferential conditions for the offers activated or applied for.
For displaying the categories of expenses grouped according to the category of merchants
Within the application you will be able to view statistics of the card expenses, clustered by domains. Expenditure categories are displayed depending on the merchants category settings and do not involve any analysis or evaluation of your payment behavior.
In order to obtain statistic data allowing us to measure and improve the performance of BT Pay services, we need to collect the following information regarding the devices on which the application is installed - phone Id (Device ID), phone type, operating system, operating system version, device name, settings, permissions required for Internet access.
Storage period regarding the data provided / collected through BT Pay
Except for the situations expressly mentioned in this information note, your data as a BT client, as well as the data regarding the transactions carried out via BT Pay, shall be stored for a period of 5 years starting from the termination of your business relationship with the bank, in accordance with the applicable legal provisions. except for those data that are required to be kept for a period of 10 years, according to the legal provisions in the field of financial and fiscal accounting.
Parties to whom we may disclose the information provided by the BT Pay users or collected by the bank
The data provided by the application users directly or of which the Bank may become aware according to the previous section, can be disclosed by Banca Transilvania to the service providers who assist us in providing the application, to the Apple Pay solution, in case you have opted to quickly enroll the card from BT Pay, at the request of the competent authorities / public institutions, in accordance with the applicable legal provisions.
In accordance with the aspects mentioned in this notice, certain information will be disclosed by default to other BT Pay users.
Additionally, certain data must be communicated to the partner merchants with respect to the contests organized by the bank, in order for the awards to be properly delivered to the winners.
Banca Transilvania may use the personal data provided by the users / collected from the BT Pay application in order to prevent and identify fraud, as well as for other legitimate purposes.
The Bank will not rent or sell the data of BT Pay users to third parties.
The categories of recipients to whom personal data are disclosed in the context of the distinct services Alias Pay BT, Invoice Payments and Credit Card online are mentioned in the specific information notes for the processing of personal data within these services.
The Bank guarantees that it has implemented adequate technical and organizational measures to ensure the security of personal data in the application.
In spite of such caution, the Bank cannot provide any guarantee that unauthorized persons will not obtain access to personal data, especially if such access is due to the customer's fault.
You are solely responsible for maintaining the confidentiality and safe keeping of your phone, especially the phone unlock password (password, fingerprint or other security method provided by the phone), and logging data in third-party applications, for example: applications of activity tracking. Moreover, you are responsible for activities of any kind that occur in your account, such as if it is found that you have not taken the necessary steps to maintain the security of the device where the application is installed or if you have provided to persons, intentionally or through fault, SMS-OTP codes or other details available in the application, which have allowed them or other third parties to access your cards / accounts.
You must notify us promptly regarding any security breach or unauthorized use of your mobile phone. We shall not be liable for any loss that you may incur as a result of the unauthorized use of your account, such as cases where it is proven that you have not taken the necessary steps to maintain the security of the device where the application is installed and / or the information available in the application (eg disclosure of the method of unlocking the phone, knowingly accessing suspicious content, accessing intentionally / by fault some links, images and any other suspicious content that led to the disclosure of your card / account data available in the application, etc.).
If, through your fault or for any other reason, unauthorized persons will access the information that belongs to you and is available in / through BT Pay, the bank, as soon as it is notified or finds the occurrence of such a situation, will take take all necessary measures to limit any future unauthorized access and will make every effort to limit any adverse effects already produced.
Links and third-party applications
The application contains links to the websites of our partner merchants.
At the same time, the app offers the possibility to access third party applications – for physical activity tracking - by logging in with the account data from that application through the BT Pay application, in order to unlock preferential offers from the BT Pay section – Offers on the go.
Also, the application offers users through the Offers section the option to access personalized links from partner merchants to access which third parties can know that the person accessed them from BT Pay, so implicitly the fact that it is a BT customer.
The Bank does not manage or control in any way the information that the owners of third-party partners or applications process your information, so the Bank cannot guarantee that they are processed and / or protected in accordance with the applicable legal provisions of processing and protection of personal data, such as, but not limited to, the General Data Protection Regulation („GDPR”), Law 506 / 2004, Law 190 / 2018. Also, the bank has no knowledge and / or cannot guarantee the accuracy of the information which these sites / applications own about you.
The bank wants to encourage an active life, so we added in BT Pay a new section – Offers on the go, users being able to unlock special offers, offered by partners and Bank.
For this purpose, by accessing a physical activity tracking app through BT Pay, the Bank will request permission to access certain information related to user activity in the third application. This data will be visible to the user who has accessed that application through BT Pay in the Offers on the go section. Of these, the bank will use to allow the unblocking of offers only information related to the number of steps taken, the number of kilometers traveled and / or the number of active minutes („physical activity data”), as they are defined in the third monitoring application physical activity. In order to verify the user's eligibility to benefit from the offer published in Offers on the go and for the correct allocation of prizes, the Bank will store the data regarding the physical activity of the user strictly for the period necessary to fulfill these purposes.
Offers will be unlocked using on one or more of these information, to which other parameters related to card activity, sticker, BT Pay application for a certain period may be added. All of these conditions are specifically mentioned in each offer.
You are not compelled to access and use the section Offers on the go from BT Pay application. In case you decide not to access and use this section, you will be able to use at any time BT Pay services. If you have allowed BT Pay to access information from the third party tracking app, you can revoke this access at any time from the settings of the third application / from the phone settings, the permissions granted to the BT Pay application for taking over the physical activity. In this case, until a new access is granted, you will no longer be eligible for offers in this category.
Each website and third party application accessed via BT Pay app has its own rules regarding the use of personal data; therefore you are kindly invited to read the policy of the respective website and third-party application in order to make sure that it does not contravene your own interest.
The rights you can exercise regarding the processing of your personal data
Within the General Privacy Notice, you will find the rights you can exercise in relation to the processing of your personal data, the ways you can exercise them and the contact information for Data Protection Officer (DPO).