Personal Data Protection Policy

The Local Development Bank – BDL

Our Commitment

The Local Development Bank – BDL, as a publicly listed public banking institution, places trust, transparency, and data protection at the heart of its relationship with all stakeholders: clients, partners, employees, and shareholders.

In accordance with the provisions of Law No. 18-07 of June 10, 2018, on the protection of natural persons in the processing of personal data, as amended and supplemented by Law No. 25-11 of July 24, 2025, BDL is committed to processing your data in a fair, transparent, secure manner, and in full compliance with applicable regulations.

Objectives of This Policy

This policy aims to clearly inform you about:

The categories of data collected;

The purposes of processing;

The methods of storage;

The rights of the data subject;

And the remedies available to you.

It is addressed to all individuals concerned by our activities:

Clients, prospects, employees, partners, service providers, subcontractors, as well as any person connected to BDL within the framework of a contractual or regulatory relationship (e.g., heirs, guarantors, agents, beneficial owners, legal representatives, etc.).

Categories of Data Collected

The personal data collected may include:

Identification data: first name, last name, identification document number, date and place of birth;

Contact data: postal address, telephone number, email address;

Financial data: banking information, income, professional situation;

Technical data: IP address, browsing data on our website;

Security-related data: recordings, video surveillance, login data;

Sensitive data only if their processing is justified (e.g., health).

Purposes of Processing

Regulatory obligations:

Fight against money laundering and terrorism financing;

Responding to requests from regulatory authorities (COSOB, tax authorities, etc.);

Monitoring obligations related to capital opening and stock market activities;

Information systems security.

Contractual relationship management.

Management of accounts, services, and complaints;

Monitoring shareholders, dividend payments, and the securities register;

Monitoring subscribed products, debt collection, and risk management.

Information systems security.

Internal purposes

HR management, recruitment, internal security;

Statistical studies and continuous improvement;

Institutional communication and investor relations.

Communication

Responses to information requests;

Sending notices or promotional communications (with consent).

Data sharing

Data is shared only for strictly regulated purposes:

Technical service providers or regulated partners;

Public and financial authorities (COSOB, tax authorities, banks, auditors);

Regulated professions: lawyers, notaries, experts;

Subsidiaries or partner entities within the framework of a contractual relationship.

Security and Confidentiality

BDL ensures the confidentiality, integrity, availability, and security of your data through strict technical and organizational measures.

Only authorized individuals have access to the information as part of their duties.

Data Retention Period

Data is retained only for the period necessary to fulfill the purposes stated, and is then archived in accordance with the applicable legal timeframes (including those imposed by public authorities, supervisory bodies, and the applicable regulations).

Your Rights

In accordance with Articles 32 to 37 of Law No. 18-07, you have the following rights:

Right to information;

Right of access to your data;

Right to rectification in case of error;

Right to object to certain processing activities;

Right to prohibit direct marketing.

Cookies and Browsing Data

Our website uses cookies to enhance your experience and ensure certain essential functionalities.
You may refuse or configure non-essential cookies at any time through your browser settings.

Exercising Your Rights

To exercise your rights, you may send a written request to the BDL representative, accompanied by a copy of your identification document, to the following address:

- No. 11, Villa Chezza, National Road, 16062.

Updates

This policy may be amended at any time to reflect changes in regulations or in our internal practices.