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Advanzia Bank S.A.
9, Parc d'Activité Syrdall
L-5365 Munsbach
Tel.: 00352-26387575

Fax: 00352-26387599

Register of Companies R.C. Luxemburg B109476
VAT ID No.: LU 20992462

Approved as a financial institution by the Financial Ministry of Luxembourg under number 47/05, regulated by the CSSF (Financial Services Supervisory Commission),
110, route d’Arlon
L-2991 Luxembourg

Legal representative:
Marc Hentgen
Roland Ludwig
Gregor Sanner

Conception and design:

ODESIGN e.K., Recklinghausen


Legal notice
You have visited the website of Advanzia Bank S.A. The information provided on this website is not intended to constitute an offer or invitation. It is the user's responsibility to ensure that the purchase of these products or services is permitted under national legislation. The offer of the products presented on this website is non-binding. Access to these products is subject to the condition that the user does not infringe upon any regulations within the user’s jurisdiction.

Advanzia continuously checks and updates the information on its website. Despite our due care and attention, the information may have changed since its publication. We cannot therefore accept any liability of guarantee for the currency, accuracy and completeness of the information provided. This also applies to all other websites to which reference is made via hyperlinks. Advanzia is not responsible for the content of websites that can be reached via hyperlinks. In addition, the bank reserves the right to make changes or additions to the information provided.

The content and structure of Advanzia's website are protected by copyright. Information or data, in particular texts, excerpts or images, must not be copied or used without the prior consent of Advanzia.

The bank and its content provider accept no liability for specific damages, indirect damages, additional damages or consequential damages suffered or that could be suffered as a result of the use of data or services provided on the bank’s website.

In accordance with European legislation, any person living in a Member State of the European Union can open an account. The fiscal regime in the account holder’s place of residence shall apply. If required by law, the declaration made on opening the account and all the information provided by the customer must be passed on to the customer’s local authorities. The customer has the option to choose the way in which tax liabilities are handled; for example, in the case of withholding tax, the customer must notify Advanzia Bank as soon as possible. In view of these specific regulations, Advanzia is not able to accept applications from American citizens or residents of the United States.

Advanzia products and services are not offered to residents of the United States. This website does not constitute an offer to or solicitation of any such person.

Personal information, data protection, banking secrecy
Users of this website hereby expressly agree to their personal information being processed by the bank. In accordance with the Luxembourg Law of 2 August 2002 on Data Protection, processing covers all automated processes carried out on data such as the collection, storage, organisation, archiving, adjustment or modification, extraction, querying, use, notification by forwarding, distributing or otherwise providing, summarising or linking and blocking, deleting or destroying such data. Personal information refers to information that can be attributed to a specific person. This includes a name, address, telephone number and any other information required for the transaction. This does not include information that is not directly associated with a person. Advanzia Bank S.A., 9 Parc d’Activité Syrdall, L-5365 Munsbach is responsible for processing the information provided by the user.

If the user’s personal information is given as part of a request for information or a brochure, the processing of this information allows Advanzia, as sole owner, to process the user’s request and to send additional information about products and/or services of Advanzia and/or its sales partners at a later date by any suitable media and, if necessary, to provide offers relating to Advanzia. If the user’s personal information is provided as part of an application to open an account with Advanzia, processing the information allows Advanzia to make a decision about whether to open an account in the user's name or whether to reject the application and, if the account opening is approved by Advanzia, to manage this account and to send the account holder additional documents using suitable media and to contact the user by post, telephone, e-mail or any other method.

It is hereby noted that the bank determines the purpose and method used for data processing. The processing of personal information is an integral part of the bank's archiving system, which allows the bank to provide the user with the requested services and to meet its statutory conditions. Unless otherwise instructed by the customer or prescribed by law, the bank shall not pass on personal information to third parties.


Nature of information collected
1.) Information that you provide: We record and save all information that you enter on our website or otherwise send to us. You can decide not to give us certain information, although this may mean that you are unable to use some of our services. Information is sent to us when you contact us by sending us an e-mail or via the contact form, for example, or when you click "Request" or any other button requesting information material from us. The personal information you enter up to this point will be stored. Please note that not all information is mandatory and you can therefore decide whether or not to provide certain information.

2.) Automatic information: As soon as you contact us, we receive and save certain information. In some areas of the website, Advanzia requires the use of cookies in order to provide our service on an individual basis. These cookies record information about the navigation of your computer on our website (pages viewed and time of use, etc.). The majority of browsers accept cookies automatically, but some are configured not to accept cookies or at least to prompt the user when a cookie is sent. Cookies are also used to measure the success of advertising campaigns. We also collect and store information automatically that is sent by your browser, e.g. internet protocol addresses. This information is a cornerstone of the technology on which the internet is based.

Use and forwarding of personal information and purpose
All personal information is collected, processed and used in accordance with the latest data protection regulations for the purpose of processing and safeguarding justified business interests with regard to advising and supporting customers. Advanzia can adjust risk and security criteria based on this information. If necessary, Advanzia may use your information for marketing purposes, for example to present new products, for market research or to design tailor-made products.

Information recipients
1.) In addition to the bank itself, outsourcing partners (order data processors), which are bound by service agreements/maintenance agreements to safeguard data secrecy and which operate on behalf of and as instructed by Advanzia

2.) Public bodies if overriding legal regulations apply

3.) Companies to which the disclosing party has approved information to be transmitted

Mandatory periods for deleting personal information
Personal information is stored for a maximum of three years or if there is an existing customer relationship during the time of said relationship and if there is a previous relationship for the following time of a maximum of three years. However, the data will be deleted no later than the end of the statutory storage periods and obligations. If information is not covered by this requirement, it will be deleted when the reason for its storage no longer applies. You have the option to request the deletion or blocking of your information at any time. We will deal with all such requests promptly.

It is hereby noted that the customer has the right to access and correct any personal information held in relation to the customer. However, the bank is entitled to restrict or postpone the user's right of access, if such a measure is carried out to safeguard the safety of the State, defence, public safety, or is required as a precautionary measure, based on the investigation, determination and punishment of criminal offences including infringements of money laundering regulations or other legal procedures within the meaning of Article 8 (1) and Article 17 of the Luxembourg Data Protection Act of 2 August 2002, important commercial or financial interests of the State or the European Union, including monetary, budgetary and fiscal policies, the protection of the disclosing party or the rights and freedoms of third parties, as long as this exception regulation is consistent with Article 28 (4) of the Luxembourg Data Protection Act of 2 August 2002, and as part of an audit, monitoring or regulatory task, which is carried out temporarily when exercising official authority in the cases described above.

The user can refuse the processing of personal information at any time on compelling and legitimate personal grounds, if data processing is not expressly required in accordance with statutory regulations. If refusal is justified, this data must not be included in the processing carried out by the bank. If requested, the user can also refuse the processing of personal information carried out by the bank for acquisition purposes at any time and free of charge.

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