Privacy statement
This Tikkie privacy statement was published on 23rd of August 2023.
This is the privacy statement of the Tikkie app. Tikkie is provided by ABN AMRO Bank N.V., with its registered offices at Gustav Mahlerlaan 10 (postcode 1082 PP) in Amsterdam, the Netherlands.
What is Tikkie?
You can use Tikkie in various ways.
You can send payment requests with Tikkie.
You can make a one-off payment via a Tikkie payment request sent to you. Tikkie will then process your payment.
You can also use Groepie with Tikkie. Groepie is a service that lets you create a group with other Tikkie users to keep track of shared expenses and settle up using a payment request.
If you use Tikkie, you can also choose to use other features, such as Tikkie Terug in the Tikkie app for cashback promotions. It is up to you what additional features you want to use.
Your personal data
This privacy statement explains how we handle your personal data when you use Tikkie. You can be confident that we take the utmost care when handling your personal data. Please read our privacy statement carefully before making certain decisions.
Dedicated contact for privacy-related questions
We have appointed a Data Protection Officer (DPO) who oversees the application of and compliance with the General Data Protection Regulation (GDPR) at ABN AMRO. This privacy statement states when you can contact the DPO via our Privacy Office.
Personal data defined
Personal data is data that says something about you. The most common forms of personal data are your name, email address, age and date of birth, but your bank account, phone number and IP address are also personal data.
The basis on which we process your personal data
Of course, we cannot use or ask for your data for no reason. According to data protection legislation, we can only process your data if there is ‘a legitimate basis’ for doing so. This means that we can use your data for one or more of the purposes outlined below.
Agreement
As a payer, you have accepted the conditions for a one-off payment via Tikkie. We will use your personal data to make the transfer. Once you have downloaded the Tikkie app and accepted the terms of use, we need to use your personal data to process payment requests.
Legal obligation
There are many legal obligations which we as a bank have to comply with. For example, we are required by law to record personal data and, in some cases, to disclose this data to third parties, such as to the legal authorities in the case of financial fraud.
Consent
Sometimes we have to ask your consent to process your personal data. You can always revoke your consent later if you change your mind. If you want to use the Tikkie Terug feature, for example, we will always first ask you for your consent to approach you with similar promotions in the future.
Legitimate interest
We can process your personal data if we have a legitimate interest in doing so. In this case, we have to be able to demonstrate that our legitimate interest for using your personal data outweighs your right to privacy. We therefore consider each interest carefully. We provide a few examples of where and when we have a legitimate interest in processing your personal data below:
We protect your data, our data and the data of third parties.
In the event of fraud we can access a Tikkie user’s payment history. We do this to prevent and limit the loss or damage for both you and Tikkie as a result of fraud.
When you use Tikkie to send payment requests, we keep you up to date on any changes to the app, like when we have added new features, for example.
We also want to keep our administrative records efficient and we perform statistical research.
Good to know:We can use your personal data without your consent if this data is used for legal purposes or on the basis of ‘legitimate interest’. You can, however, object to this.
The personal data Tikkie uses and why
If you receive a payment request and make a one-off payment without using the Tikkie app, Tikkie uses the following personal data:
We use your IBAN if questions are asked about a payment. Your IBAN helps us find your payment and it is also displayed in the credit transaction on the recipient’s account statement. If your payment is incorrect, the recipient can transfer the money back to you.
We show your name to the person making the payment request.
We use your email address when you opt to use email verification to register your Tikkie account.
We register IP addresses and MAC addresses to help us combat misuse. If you have enabled Tikkie to use cookies and similar technologies for social media and cookies for targeted advertising on the Tikkie.me website and in the app, we will be able to show you personalised Tikkie adverts on third-party platforms, such as websites and apps.
When you pay a ‘Tikkie’ (payment request), we will record the operating system running on the device that you use to make the payment (e.g. iOS or Android). We will also record the internet browser you are using and its version number. We can use this information to help you if the Tikkie.me website is not working properly for you and to improve the user experience on the website.
If you use the Tikkie app, Tikkie processes the following personal data:
We use your IBAN to transfer the amount for which you send a payment request to your account.
We will use your mobile number to contact you if something goes wrong.
Your name is shown to your friends when you send a payment request or receive a payment request. The name you entered when registering will also be used for the IBAN Name Check.
We register IP addresses and MAC addresses to help us combat misuse.
If you have enabled Tikkie to use cookies and similar technologies for social media and cookies for targeted advertising in the cookie settings, we will also use your IP address and/or MAC address for advertising purposes. We will then be able to show you personalised Tikkie adverts on the Tikkie website, in the app and on third-party platforms, such as websites and apps.
We use data about the version of your operating system to optimise the app’s performance.
We use the app version number to identify potential problems in good time.
Information about your device type is used to gather statistics about our users, enabling us to optimise the app experience for as many users as possible.
We use the details of your payment request to perform the Tikkie service and to inform you about Tikkie features such as Groepie. Tikkie will not use the details of your payment request for personalised offers without your consent and will not share this with third parties.
If you upload a thank-you GIF to your personal thank-you page, we will store it in Tikkie. This way, the GIF can be shown to your friends when they have sent a payment. If you delete the GIF in the app, it will also be deleted from our servers.
A Groepie photo is optional. If you take a photo for Groepie, we will store it in Tikkie. This way, the photo can be shown to your friends. If you delete the photo in the app, it will also be deleted from our servers. Tikkie scans uploaded photos to filter out inappropriate photos.
If you’re part of a Groepie group, members of that Groepie can see your expenses and name.
Cookies and similar technologies
Tikkie uses analytical tools to monitor usage of the website and the app. We use this information to assess which parts of the app are the most interesting and user-friendly. We then use this information to make improvements to the website and/or app. The resulting statistics and reports are not linked to personally identifiable information. In addition, Tikkie uses, with your consent, social media cookies, and cookies and similar technologies to display adverts. This enables us to show you personalised Tikkie adverts both in the Tikkie app, on third-party websites and in third-party apps – or not show you these kinds of adverts based on your profile. Find out more about cookies and similar technologies.
Other parties using your personal data
In some situations, we need to share your personal data with third-party individuals and organisations involved in our services. Read below to find out with whom.
Our service providers
We work together with companies that help us provide our services, such as the IBAN Name Check (i.e. we ‘outsource’ services). This sharing of your personal data is subject to legal regulations. We therefore carefully select the companies we work with and establish clear agreements on how they handle your personal data. We remain responsible for your personal data.
We may also engage other third-party service providers, such as lawyers and accountants. These parties are responsible for the legitimate use of any personal data they process.
Competent authorities
Industry regulators, such as the Dutch Authority for the Financial Markets, tax authorities, Public Prosecution Service and other Dutch government bodies may ask us to hand over your personal data. The law states when we are required to provide this data.
Other banks
If you use Tikkie to transfer funds to a bank other than ABN AMRO, your personal data will of course also be shared with this bank. This is unavoidable.
Use of Siri and messaging services
You can enter Tikkie payment requests manually or through voice commands using Apple’s Siri voice recognition technology. To use Siri, you first need to give Apple permission in your iPhone’s settings. Payment requests using Siri are created using a voice command. If you choose to use Siri, you should keep in mind that Apple has its own privacy statement for Siri. If you use Siri, Apple may store and use your personal data.
You can choose to use various messaging services to send your Tikkie payment requests, including text message, WhatsApp, Telegram and Facebook Messenger. These services each have their own privacy policy. ABN AMRO has no influence on how these messaging services use your personal data.
Tikkie partners
If you use the Tikkie Terug feature for a cashback promotion, Tikkie will only share your personal data with a third party if you have consented to this. Otherwise we will not. See ‘Consent’ above.
Direct marketing
With your express consent we can send you push notifications, including notifications to let you know that someone has paid your payment request. You can give consent to receive push notifications for each Tikkie feature separately. We may also send you a push notification to promote a new feature, such as the thank-you GIF in the app. You can disable these notifications at any time in your phone’s privacy settings.
Social media
We use social media to contact our clients, Tikkie app users and visitors to the Tikkie.me website in order to provide them with relevant information and/or to answer questions. In this case, we may record personal or other types of data. Any data recorded through social media is of course processed in line with this privacy statement.
Profiling
If you are a Tikkie user and an ABN AMRO client, ABN AMRO may use profiling. We may then look at an age bracket and what other ABN AMRO products you have. Based on your profile, we may show personalised Tikkie adverts on third-party platforms, including social media, provided that you have enabled cookies, or not show you these kinds of adverts based on your profile. After all, if you are already a Tikkie user, there is no need for ABN AMRO to advertise Tikkie to you. Needless to say, we check the processing of personal data against the privacy rules. You can always object to the creation of a personalised client profile.
The security of your personal data
We make every effort to ensure the security of your personal data.
We invest continually in our systems, procedures and people.
We train our employees to handle your personal data with the utmost care.
We also want your input when it comes to the security of your personal data. If your security is breached, for example, you can report this to us confidentially on the abnamro.nl website.
Bank security warning system
Banks in the Netherlands have developed a warning system aimed at protecting security across the banking sector as a whole, and so, too, at ABN AMRO. This system allows banks to check whether someone:
has ever committed fraud,
has tried to commit fraud, or
poses a threat to the security of the banking sector.
More information (in Dutch) is available on the Dutch Banking Association (Nederlandse Vereniging van Banken) website.
How long we retain your personal data
We retain your personal data for as long as is required to achieve the purpose for which it was collected or provided.
The General Data Protection Regulation (GDPR) does not give a specific retention period for personal data. Other legislation, however, may well include a minimum retention period to which we have to adhere.
ABN AMRO may become involved in a lawsuit or other proceedings. We retain data to enable us to give a clear overview of the state of affairs. This data may be stored in an archive until a potential claim expires and we are no longer involved in the proceedings.
Your rights
Right to object to direct marketing
If you no longer wish to receive push notifications from the Tikkie app, you can disable these in your phone’s privacy settings. Please note, though, that if you disable push notifications you will no longer be notified when a friend has made a payment in response to your payment request.
Right to object to profiling
If you are an ABN AMRO client, you may not want us to use your personal data for profiling purposes. As an ABN AMRO client you can object to the creation of a personalised client profile at any time. More information can be found in ABN AMRO’s privacy statement on abnamro.nl. If you are not an ABN AMRO client, we do not compile a client profile on you for marketing purposes.
Access, rectification, right to be forgotten and restriction
You have the right to request a summary of all your personal data that we use for Tikkie.
If the mobile number or your name as entered when you registered for Tikkie is incorrect, we cannot change this for you. You will need to uninstall the app yourself and download it from the store again. You can, however, change your IBAN and your personal thank-you GIF in the app at any time.
You can ask us to delete your personal data at any time. However, we do have to retain some data, to detect fraud for example, as well as data we have a legal obligation to retain.
You can also ask us to temporarily restrict the use of your personal data in the following cases:
You think the personal data we have for you is incorrect.
We have wrongfully used your personal data.
If we wish to erase your personal data but you still need it, after the retention period has expired, for example.
Right of data portability
You can request personal data concerning you that we have recorded, both the data we have received with your consent (the data you have entered in the Tikkie app) and the data we store in order to perform the contract. This is known as ‘data portability’.
Make sure your personal data is kept secure
Check that the party with whom you are sharing your personal data is trustworthy and treats your data with the same level of care as we do.
If you are receiving personal data, make sure that your own device is sufficiently secure, has not been hacked and cannot be hacked. Your financial details are worth a great deal to criminals.
You can submit a request to us for the personal data we have on record for you or that we have shared with a third party.
Contact
If you have a question, idea or complaint about Tikkie, please get in touch by WhatsApp on +31 6 8365 4343.
For questions relating to the privacy statement, please send an email to privacy.office@nl.abnamro.com. We’ll be happy to help!
If you object to the way we use your personal data, you can submit a complaint. You can also submit a complaint to the Dutch Data Protection Authority (Autoriteit Persoonsgegevens).
Changes to this privacy statement
Tikkie is continually developing and optimising its services. As a result, changes may be made to this privacy statement from time to time. You will be informed of any changes the next time you open the app or visit the website. We recommend that you consult the privacy statement on a regular basis.