datenschutz - accordeon
By accessing the website of Basellandschaftliche Kantonalbank (BLKB), you declare that you understand and accept the following information and explanations. BLKB cannot give any assurance and does not accept any responsibility that the functions on this website will be accessible at all times without interruption and that the website is error-free and free of viruses or harmful components. The information published on this website may be changed at any time without prior notice.
Non-binding nature of the information
The information provided is intended as an initial guide for all interested parties and neither constitutes a request, nor an offer or recommendation to buy or sell any investment instruments or to engage in any other transactions or to conclude any legal transaction whatsoever. Likewise, it does not constitute a concrete investment proposal or other advice. All price information is considered non-binding. Prior to making any investment decisions, the advice of a knowledgeable financial advisor should be sought and an analysis of know-how, experience, investment objectives and financial circumstances should be carried out.
No representation is made as to the accuracy of information
BLKB has taken all reasonable care to ensure the accuracy and reliability of all information and data on this website. However, it does not warrant that the published data is up-to-date, correct and complete at all times. BLKB may change or delete all information and data at any time without prior notice.
Restrictions on use depending on country
The information on the BLKB website is intended for natural persons and legal entities (including partnerships and corporations) domiciled or with their registered office in Switzerland and is not intended for persons who, by virtue of their nationality, place of business, domicile or for other reasons, are subject to a legal system which prohibits foreign financial service providers from doing business there and freely offering financial instruments or which prohibits or restricts persons who are subject to it from accessing websites of foreign financial service providers. Persons who are subject to such legal systems are prohibited from accessing our website and the blog website and its publications. This applies, in particular, to persons in the US and all other states according to whose legal system the publication of information of foreign financial service providers is restricted or prohibited. The person accessing the website is responsible for obtaining information in this regard.
Copyrights, trademarks and other proprietary rights
All rights, in particular the copyright for all content as well as trademarks, are solely owned by BLKB unless stated otherwise. The unauthorised copying of texts, graphics, images, programs etc. will be prosecuted under criminal and/or civil law. The downloading or printing of individual pages or areas of the website is permitted for private purposes only. The reproduction, transmission, modification, linking or use of the website for public or commercial purposes is only permitted with the prior written consent of BLKB. The names “Kantonalbank” and “Basellandschaftliche Kantonalbank” and the logo of the Kantonalbank are protected by law. No part of the website is designed in a way that confers a license or a right to use an image, a registered trademark, software or any other part of the website. In particular, no such rights are conferred by downloading parts of the website.
Content of the blog website
The BLKB blog expressly reserves the right to change, delete or temporarily refrain from publishing content at any time without notice, in whole or in part. BLKB rejects any responsibility for the content.
As far as legally permissible, BLKB does not accept any liability for damage and consequential damage caused by the use or the inability to use this website. Any liability claims against the BLKB blog due to tangible or intangible loss or damage, which arises due to access, use or failure to use the published information, or due to misuse of the connection or due to technical faults, are hereby excluded.
The BLKB website may contain third-party content and links to third-party websites. We have no control over their design and content. BLKB is not responsible and does not accept any liability and gives no warranties as to the accuracy, quality, completeness and lawfulness of the content of these websites nor as to whether they are up to date, and is not liable on any account for any loss or damage that may arise in connection with the access or inability to access such websites. Any connections to such websites, which may also contain restrictions on use depending on country, are established at the user’s own risk.
Data security / personal data
In the event that contact or communication takes place by electronic means, data is generally transmitted via an open network accessible to everyone. Data may be transmitted across national borders even if sender and recipient are located in Switzerland. It can therefore not be ruled out that any data transmitted in this way will be intercepted, viewed or modified by third parties or will be lost. If individual data packets are transmitted in encrypted form, the sender and recipient remain unencrypted and it cannot be ruled out that third parties may infer existing or future banking relationships. The principle of banking secrecy is therefore not adhered to. BLKB (and its employees) does not accept any liability in relation to the use of electronic channels. We draw your attention to the dangers of viruses and hacker attacks and therefore recommend that you always use the latest version of your browser/operating system and that you use up-to-date anti-virus software at all times. E-mails of unknown origin or unexpected attachments should never be opened.
If you decide to provide us with personal data via the internet or by e-mail, for example for us to correspond with you or process any orders, we will treat it in accordance with the Swiss Data Protection Act and will not pass it on to third parties without your knowledge.
Cookies are required for interactive page elements (e.g. E-banking). The cookie technology allows a web server to store user-specific information on the user’s PC. Given that the web server does not have direct access to the user’s data storage devices, the browser needs to assume this function. The advantage of cookies is that the computer that was accessed leaves cookies on the user’s hard disk and, when the computer is next accessed, personal preferences of the user such as e-mail address, name or key topics can be found directly without the details having to be re-entered. This saves the visitor time online and costs.
However, you still have the option of adjusting your browser so that you are asked whether the cookie should be accepted or generally rejected. For further information, users can refer to the websites of the usual web browsers.
Use of Google Analytics
For more detailed information on this please visit http://tools.google.com/dlpage/gaoptout?hl=en or http://www.google.com/intl/en/analytics/privacyoverview.html (general information on Google Analytics and data protection). We would like to point out that, on this website, Google Analytics was extended by the code “gat._anonymizeIp();” to enable the anonymized capture of IP addresses (known as IP masking).
If any of the information and explanations provided are deemed invalid or unenforceable by a competent authority, this shall not affect the validity of the remaining information and explanations.
Governing law and place of jurisdiction
In the event that a legal relationship is established between the visitor to the website and BLKB, this shall be subject to Swiss law. The exclusive place of jurisdiction shall be Liestal (Basel-Landschaft), Switzerland. BLKB has the right to commence proceedings against the visitor at the court with jurisdiction at the place of residence / registered office of the visitor or at any other court.
BLKB, April 2015
2. Data security
BLKB attaches great importance to data security. In addition to complying with the legal principles (including bank customer confidentiality, data protection law), BLKB takes a variety of precautions to protect your privacy, such as the implementation of technical and organisational security measures (including the use of authentication and encryption technology, restriction of access rights, personal accounts and passwords, firewalls, anti-virus protection, data leakage protection, raising awareness and providing training to employees).
3. Data controller / contact for the exercise of your rights / representatives
BLKB is the data controller for the processing of data described herein:
Rheinstrasse 7, P.O. Box
If you have any data protection concerns, please contact us under the following address:
Basellandschaftliche Kantonalbank Datenschutz
Rheinstrasse 7, P.O. Box
The name and contact details of the EU representative are:
Menold Bezler Rechtsanwälte Partnerschaft mbB
If you are not satisfied with BLKB’s reaction, you have the right to lodge a complaint with the data protection authority in the country in which you live or work, or at the place where you believe the problem in relation to personal data has occurred.
4. Categories of personal data and origin
Which specific data we process about you depends on the services requested by you or agreed with us. BLKB processes as little personal data as possible. The customer data processed by BLKB can be divided into the following categories, in particular:
Master data such as, for example, surname, first name, postal and electronic addresses, date of birth, nationality, authentication data (e.g. specimen signatures or access to bank deposit box), contract number and duration, documents to verify the customer’s identity, information about the account, custody account, about completed transactions or about third parties such as civil partners, authorised persons and advisors who are involved in data processing.
Tax domicile and, where necessary, other tax-relevant documents and information.
Transaction or order and risk management data such as, for example, information about beneficiaries of transfers or card payments, beneficiary bank, instructions relating to the provision of banking services, details of your assets, origin of assets, investment products, risk and investment profile as well as other documentation data, fraud cases, credit rating data.
Records of telephone calls between you and BLKB.
Marketing data such as, for example, needs, wishes, preferences.
Technical data such as, for example, internal and external IDs, business numbers, IP addresses, access records or changes.
BLKB processes prospective or visitor data (i.e. visitors from branches or websites, among others). This mean, in particular:
Master data such as, for example, surname, first name, postal and electronic addresses, date of birth, telephone.
Technical data such as, for example, internal and external IDs, IP addresses, access records or changes.
Marketing data such as, for example, needs, wishes, preferences.
BLKB processes supplier data. This mean, in particular:
Master data such as, for example, surname, postal and electronic addresses, date of birth, contract number and duration, information about the account or about completed transactions.
Technical data such as, for example, internal and external IDs, business numbers, IP addresses, access records or changes.
For the purposes of clause 5, BLKB may collect personal data of the following origin:
Personal data provided to BLKB, e.g. in the context of the commencement of a new business relationship, a consultation, for products and services or on websites of BLKB.
Personal data that is generated as a result of the use of products or services and that is transmitted to BLKB via the technical infrastructure or by means of collaborative processes, e.g. in the case of websites, E-banking, apps, payment transactions, in securities trading or when cooperating with other financial or IT service providers or marketplaces and stock exchanges.
Personal data from third-party sources, e.g. land registers, commercial registers, the Central Office for Credit Information (ZEK), the Consumer Credit Information Office, authorities, other subsidiaries of BLKB or sanctions lists of the UN, SECO and the EU.
5. Purpose of the processing
BLKB may use the personal data described above for the processing of its own services as well as for its own or statutory purposes. This mean, in particular:
Customer registration procedures; the implementation, processing and administration of business relations and of products and services of a universal bank (e.g. ID checks, assessment of applications, loan decisions, financing, financial planning, payments, invoices, accounts, cards, investments, stock exchange, retirement planning, business formation, succession planning and insurance, digital services (including E-banking), customer service, communications, broker service, provision of advice, asset management).
Statistics, planning or product development, business-related decisions (e.g. defining KPIs regarding the use of services, utilisation ratios, transaction analyses, developing ideas for new or assessing or improving and reviewing existing products, services, processes, technologies, systems and returns).
Monitoring and managing risks, business management, new business establishments, timely business processing (e.g. fraud prevention; investment profiles; limits; market, credit or operational risks as well as system and product training).
Marketing, market research, comprehensive support, advice and information on the range of services, preparation and provision of tailor-made services (e.g. direct marketing; advertising in print and online; customer, prospective customer or cultural events; sponsoring; competitions; customer satisfaction surveys; future customer needs or behaviour; or assessment of customer, market or product potential).
Statutory or regulatory obligations to provide information or to report to courts, authorities, compliance with official orders (e.g. automatic exchange of information with foreign tax authorities, orders issued by FINMA, public prosecutors, in connection with money laundering and terrorist financing or in order to record and monitor communications), compliance with statutory or regulatory obligations.
Safeguarding the interests and asserting claims of BLKB in the event that claims are asserted against BLKB or bank customers, as well as safeguarding the safety of customers and employees.
Any other purposes of which we will notify you.
6. Bases for the data processing
Depending on which products and services BLKB may provide for you and the purpose for which the personal data is processed, the data processing is based on the following:
Initiation, conclusion or implementation of a contract and/or a business relationship with you for the performance of the obligations of BLKB under such contract and/or business relationship.
Where necessary to safeguard BLKB’s legitimate interests, e.g. statistics; planning or product development; business decisions; monitoring and managing risks; preserving evidence (including video surveillance), ensuring IT security, IT operations and building and facilities security, business checks, marketing, market research, providing comprehensive support, providing advice and information on the range of services, preparation and provision of customised services – unless an objection has been raised; safeguarding the interests and securing claims of BLKB, customers and employees.
Where necessary, in order to meet legal or regulatory obligations of BLKB or to perform tasks in the public interest. On the basis of your consent, if applicable. Consent obtained for any other reason, for example due to the provisions regarding bank customer confidentiality pursuant to the Federal Act on Banks and Savings Banks (BankG), is not affected by this section.
7. Duration of storage
The duration of the storage of personal data is determined by legal retention obligations and/or the purpose of the respective data processing. In principle, BLKB stores personal data for the duration of the business relationship or contract term and then for a further five, ten or more years (depending on the applicable legal basis). This corresponds with the period for which legal claims can be asserted against BLKB. Ongoing or anticipated legal or supervisory proceedings may result in storage beyond this period.
8. Are you under an obligation to provide us with personal data?
If personal data processed by BLKB is required for the fulfilment of legal or regulatory obligations or for the initiation, conclusion or implementation of a contract and/or a business relationship with you, BLKB may not be able to accept you as a customer or provide a product or service to you if BLKB is unable to process this personal data. If this is the case, we will notify you accordingly. Anti-money-laundering provisions, in particular, require us to identify you by means of an ID card and, as part of that procedure, to process details such as name, date of birth, nationality, address and details regarding the ID card, etc.
9. Automated individual decision-making including profiling
BLKB reserves the right in the future to analyse and evaluate customer data (including data of any third parties involved, cf. clause 4) also automatically in order to identify key personal circumstances relating to the customer or to predict developments and to create customer profiles. These are primarily used for business checks and in order to provide individual advice, offers and information, which BLKB and its subsidiaries may make available to the customer. In the future, customer profiles may also lead to automated individual decisions, e.g. in order to automatically accept and execute customer orders in E-banking.
BLKB will make sure that a suitable point of contact is available if the customer wishes to comment on any automated individual decision and if such opportunity for comment is required by law.
10. Intended recipients of personal data and disclosure abroad
Within BLKB, entities that have access to your personal data are those that require it to initiate, conclude or implement a contract and/or business relationship, due to legal or regulatory obligations or for the performance of tasks in the public interest.
BLKB only discloses customer data to third parties in the following cases – depending on the type of products and services purchased:
In order to perform contracts, i.e. the use of products or services, e.g. to payees, beneficiaries, authorised agents, intermediaries as well as correspondent banks, other parties involved in a transaction, service providers, stock exchanges or marketplaces, reports of certain stock exchange transactions to international trade repositories.
With the customer’s consent, to subsidiaries for the purpose of providing comprehensive customer service and for outsourcing purposes.
Due to legal obligations, legal grounds of justification or official orders, e.g. to courts or regulatory authorities in the field of financial market or tax law or to the extent necessary to safeguard BLKB’s legitimate interests at home and abroad. The latter applies in particular in the event of legal action threatened or initiated by a customer against BLKB or public statements, to secure BLKB’s claims against a customer or third parties, in the collection of BLKB’s receivables from customers and to restore contact with the customer through the competent Swiss authorities after contact has been lost. This also includes the exchange of personal data with the Association for the Establishment of a Central Office for Credit Information (ZEK) and the Association for the Establishment of a Consumer Credit Information Office (IKO), inter alia within the framework of the Swiss Consumer Credit Act (KKG).
Commissioned data processors are third parties who process personal data on behalf of and for the purposes of BLKB, e.g. IT, marketing, sales or communication providers, collection agencies, anti-fraud offices, credit reference agencies or consultancies. If personal data is disclosed to such a commissioned data processor, the latter may only process the personal data received in the same way as BLKB itself. BLKB carefully selects its commissioned data processors and places them under a contractual obligation to maintain confidentiality, comply with the Swiss principle of banking secrecy and ensure the safety of personal data.
Personal data is transferred abroad if this is necessary to execute your orders (e.g. payment and securities orders) or if it is required by law (e.g. as part of the automatic exchange of information) or if you have given us your consent.
You have the right to information, rectification, deletion, restriction, objection and – where applicable – the right to data portability. In addition, you have the right to lodge a complaint to a competent data supervisory authority (see clause 3). BLKB accepts requests for information in writing, together with a clearly legible copy of a valid official form of identification (e.g. passport, identity card) at the address stated in clause 3.
The rights of deletion and objection are not unrestricted rights. Depending on the individual case, overriding interests may make further processing necessary. BLKB examines each individual case and will notify you of the result. If personal data is processed for purposes of direct marketing, your right to object also extends to direct marketing, including profiling for marketing purposes. You can object to direct marketing at any time by sending BLKB a message to this effect (see clause 3).
If you have given your consent to the processing of personal data, you can revoke this at any time by contacting BLKB. Please note that such withdrawal is only effective for the future and not retrospectively. Any processing that has taken place prior to the withdrawal is not affected by this.
If BLKB fails to meet your expectations regarding the processing of personal data, if you want to complain about data protection practices of BLKB or if you wish to exercise your rights, please notify BLKB (see clause 3). This gives BLKB the opportunity, among other things, to examine your concerns and to make improvements where necessary. In order to support BLKB in responding to your request, you are asked to send us a message containing all the necessary information. BLKB will check and respond to your request within a reasonable period of time.
BLKB is obliged to process the personal data correctly and to keep it up to date. Please notify BLKB of any changes to your personal data via the usual means of communication.
The legal notices under www.blkb.ch apply.
We are Basellandschaftliche Kantonalbank
We are the largest bank in Basel-Country and one of the leading banks in Northwestern Switzerland. We currently employ more than 750 people, offering 40 apprenticeship or internship positions.
Our share capital is CHF 217 million. Of this, CHF 160 million is owned by the canton of Basel-Landschaft. The remaining CHF 57 million are spread across the capital market in the form of BLKB participation certificates with a nominal value of CHF 100 each. The canton of Basel-Landschaft, which is liable for the bank’s liabilities by law (state guarantee), is the sole shareholder with voting rights.
Switzerland’s forward-looking bank
For more than 150 years we have been looking after the people in the region. We are the first port of call for individuals, businesses, municipalities and the canton and, by taking responsible action, we contribute to the positive development of this region. In addition to our 20 branches in the canton of Basel-Landschaft, we also have a presence in Breitenbach in Solothurn, in the city of Basel and in the Fricktal with branches in Rheinfelden and Frick. Courtesy of our Mobile Bank, we serve seven towns and villages in the Oberbaselbiet region.
We are Switzerland’s forward-looking bank. We are committed to sustainable development for all. We take responsibility for the people who trust us, for the society we live in, and for the environment that makes our life possible.
Our employees treat each other and others with respect and appreciation, promote diversity and difference and have a growth mindset.
Our customers can trust us. They inspire us every day to accept new challenges and maintain what has been tried and tested.
We share the same beliefs and values as our local and global business partners.
The region in which we live can rely on our local roots and our societal commitment.
The protection of the environment is the basis of our actions.
We are committed to this mission statement and to the underlying convictions, and focus our business strategy and actions accordingly.
BLKB is Switzerland’s forward-looking bank. Looking ahead into the future epitomises the proactive attitude of BLKB and stands for the Bank’s comprehensive sustainability efforts, which are an integral part of the business strategy. This strong conviction is also reflected in our mission statement, which is at the root of everything we do. Prioritising people, society and the environment, it focuses on areas where BLKB wants to have a positive effect and take responsibility. Employees, customers, business partners, the region and the environment benefit from the added value created in this way.
The mission statement lays the foundation for successful future sustainability efforts. Our primary objectives until 2030 define the direction for these. We regularly measure the progress of implementation and publish it in our sustainability report.
Sustainability - Accordeon
Mission statement and corporate strategy
Sustainability is an integral part of the business model. The Bank is not interested in creating parallel worlds of sustainability and business strategy.
The Bank is in regular contact with its stakeholders and integrates the various perspectives into its further development.
The Bank will put the 2030 objectives, defined in this document, into operation.
Objectives and transparency
The business objectives are consistent with sustainability as an integral part of the business strategy. The business objectives include both financial objectives and explicitly also social and environmental objectives.
Progress in the implementation of the 2030 objectives is regularly measured and published.
National and international societal, environmental, technological and regulatory developments are continuously monitored, assessed and taken into account in the definition of the objectives.
Transparency is a fundamental principle in the Bank’s internal and external communication.
Structures and responsibilities relating to the issue of sustainability are defined and integrated in organisational terms to allow measures to be implemented effectively.
Sustainability is an integral part of training courses and programmes to raise awareness.
Products and services
Sustainability is an integral part of the products and services offered. We are proud to play our part in achieving the Swiss climate targets.
We provide information on the social and environmental impact of all our products and services.
The various aspects of sustainability are an integral part of our consultations with customers.
We are the top sustainable regional bank in Switzerland
Our commitment as a sustainable company is internationally recognised. BLKB wins the “Best Regional Sustainability Bank Switzerland” award of the financial magazine “Capital Finance International” (CFI.co).
Jury recognises our holistic approach
In presenting the award, the jurors paid particular tribute to BLKB’s holistic approach, its commitment as a forward-looking employer, the consistently sustainable product range in the investment sector and BLKB’s performance in reducing its own CO2 emissions. The jury made specific mention of CO2 neutrality and acknowledged that we have chosen a local approach to compensate for CO2 emissions. BLKB is also cited as a role model for good corporate governance and as a company that reports transparently on its business activities.