Marketing

We would like to make it easier for you to find products and services that are just right for you. To do this, we look at how you use our services and what kind of financial activities you have. This information helps us better understand your needs so we can suggest things that might interest you.

To customize our suggestions, we use prediction models that help us predict what you might like. The prediction models calculate the probability of an action based on available data. The tool compiles information we have about you and gives us the opportunity to make our products and services more relevant to you and other customers.

We take your privacy seriously and will only send you personalized marketing if you have actively consented to this. If you do not want this, we will still be able to send you general information about our offers. You can read more about which personal data we process for personalized marketing in the section "What type of personal data do we process" and about general marketing under "Simpler marketing".

DNB Bank ASA is responsible for the processing of your personal data.

The purpose of processing personal data is to provide you with personalized communication and marketing that is relevant to your needs and preferences. We also need information to be able to improve our communication and marketing to you and other customers of DNB.

Use of personal profiles and in-depth insight into your financial activity will only take place if you have given your consent to this.

Rules on confidentiality

There are strict rules on confidentiality for financial and securities companies, and this also applies to companies in the DNB group. Our duty of confidentiality also applies within an enterprise. In order to share customer information between, for example, banks, insurance, savings and investment, we need your consent when we are not authorized by law.

Where do you give your consent?

As a DNB customer, you can consent to personalized marketing under the settings in your online bank. If you are a customer of the Sbanken concept, you give your consent in the app. Consent can be withdrawn at any time.

To consent to the sharing of customer information across the DNB group, as a DNB customer you will find this under the settings in your online bank. If you are a customer of the Sbanken concept, you agree to the app.

• Address and contact details
• Customer agreements, for example information about your agreements.
• Payments and transactions, such as payments, card usage and transaction information.
• Account balance
• Information about the employer (name and sector/industry)
• Personnel: age and gender.
• System log and digital behaviour: digital visit logs to our websites and apps, your usage pattern and response to banner ads
• Demographic information
• Contact history with DNB and overall topic of the enquiry, for example whether you have called the customer center and had questions about mortgages and interest rate processing, direct debits and changes to insurance

We store your personal data for 3 years for personalized marketing.

We keep a log of what we have sent out to our customers and information about how they respond for up to 5 years.

We may share personal data with suppliers who provide analysis, segmentation and profiling services as well as advertising on our behalf.

We use various channels to communicate with you, for example in the Mobilbanken and Spare apps, the Sbanken app, dnb.no and via our advisors.

We use e-mail and SMS to keep you up to date with tips and offers related to the products and services you already use with us. If you also want to receive advice and offers about other products and services that may be relevant to you, you can give us your consent to contact you about this via e-mail or SMS.

Where do you give your consent?

As a DNB customer, you will find the consent to receive marketing by e-mail and SMS under the settings in the online bank. If you are a customer of the Sbanken concept, you must agree to this in the app.

In order to provide you with relevant news and offers about our products and services, we reuse less detailed information about you and your customer relationship. We will still be able to do this even if you have not consented to this under "Personalised marketing"

The personal data we process for easier marketing is information you gave us when you became a customer and information obtained from your agreements, such as contact details. We also use information about your usage pattern in our digital channels to be able to follow you up with advice and offers. See list of categories of information under "What type of personal data we process".

DNB Bank ASA is responsible for the processing of your personal data.

The purpose of processing of personal data is to offer relevant advice and advertise our products and services to you. We have a legitimate interest in reusing your information to carry out easier marketing of our products and services.

Where do you opt out?

If you wish, you can opt out of this type of marketing. Read more about how to make a reservation under "Channel preferences and reservation".

• Address and contact details
• Customer agreements, for example information about your agreements.
• Account balance
• Personnel: age and gender.
• System log and digital behaviour: digital visit logs to our websites and apps, your usage pattern and response to banner ads
• Demographic information
• Contact history with DNB and overall topic of the enquiry, for example whether you have called the customer center and had questions about mortgages and interest rate processing, direct debits and changes to insurance

We store your personal data for 3 years for less detiled marketing.

We keep a log of what we have sent out to our customers and information about how they respond for up to 5 years.

We may share personal data with suppliers who provide analysis, segmentation and advertising on our behalf.

We use various channels to communicate with you, for example in the Mobilbanken and Spare apps, the Sbanken app, dnb.no and via our advisors.

You can at any time request that we not contact you via SMS, e-mail, message in the online bank, phone or letter for marketing purposes, or request a reservation in all these channels.

Where do you opt out?

As a DNB customer, you can reserve against us contacting you for marketing purposes by calling one of our customer advisers on 915 04800. If you are a customer in the Sbanken concept, you reserve directly in the app.

We market our products and services in social media and other digital channels. In order to make the message relevant to you, we use a method called "customer matching", which allows us to recognize you in external channels.

We do this by connecting contact information, such as telephone and e-mail, which you have given us, with information you have given to the external channel. When you have provided the same contact information to us and in the external channel, we will be able to connect you as a customer with your user profile in the external channel.

The customer link is made so that we can reach out with our message directly to customers' user profiles in these channels. After the search has been completed, the encrypted contact list in the external channel is deleted.

DNB Bank ASA is responsible for the processing of your personal data.

The purpose of processing personal data is to market our products services using customer matching in external channels.

We have a legitimate interest in this processing of personal data. Our legitimate interest is to market and advertise products and services to our customers.

Where do you opt out?

You can reserve against your personal data being used for customer connection in external channels. Read more about how you can make a reservation under "Reservation".

• Address and contact details, like telephone number and e-mail adress

The contact lists sent to social platforms are deleted after customer matching has been completed by the recipient.

We may share contact details with social media and external news media.

You can reserve against your personal data being used for customer connection in external channels.

As a DNB customer, you can call one of our customer advisers on 915 04800 to oput out from customer matching. As a Sbanken concept customer, you can make a reservation directly in the app.

We process personal data when we invite you as a customer to a physical or digital event. We do this so that you can enjoy a benefit we offer, such as meeting like-minded people and attending inspiring lectures on how to improve your personal or corporate finances.

DNB Bank ASA is normally responsible for the processing of your personal data, but will have a joint controllership with the companies in the group that collaborate on the event.

The purpose of processing your personal data is to send invitations to, and carry out, customer events and campaigns. The legal basis for the processing of personal data may be that we have a legitimate interest, for example in conjunction with an event related to your existing products or services from us, or that we obtain your consent.

If we serve food, we may process information regarding any potential allergies or other food preferences.

If you accept the invitation to the event, we will ask for your consent to contact you about the event and the event programme, and to request an evaluation afterwards.

• Contact details
• Relationship data
• Special categories of personal data (allergies)

We store personal data for 12 months from the date of registration so that we can follow-up any claims for reimbursement or other communication with participants.

We may share your personal data with event agencies that process personal data for registration and administration of participation and payment, as well as the implementation and evaluation of events.