Get to Know Us
Business Associate
Digital Bridge

QNB Finansbank DIGITALBRIDGE Solution Partner

About Factoring
Business Associate
Digital Bridge

QNB Finansbank DIGITALBRIDGE Solution Partner

Our services
Business Associate
Digital Bridge

QNB Finansbank DIGITALBRIDGE Solution Partner



In accordance with the provisions of the Personal Data Protection Law No. 6698 (the "PDPL"), any information that identifies you or makes you identifiable is defined as personal data.

The special categories of personal data is defined in the PDPL as the ones related to race, ethnic origin, political opinion, philosophical belief, religion, religious sect or other belief, appearance, membership to associations, foundations, or trade unions, data concerning health, sexual life, criminal convictions, and security measures, and the biometric and genetic data.

QNB Finans Faktoring A.Ş. ("QNB Finansfaktoring") may process your personal data in the following data categories, including your special qualified personal data, in the capacity of Data Controller in accordance with the provisions of the KVKK, for the following legal reasons and purposes, if necessary, within the scope set out below.

Personal Data Category Content of Personal Data
Identity data Name, surname, Mother's - father's name, Mother's maiden name, Date of birth, Place of birth, Marital status, ID card serial number, T.R. ID number, etc.
Communication data Address no., E-mail address, Contact address, Registered electronic mail (KEP) address, Phone no., etc.
Location data Location information of the place where he/she is located, etc.
Legal transaction data Information in correspondence with judicial authorities,
Customer transaction data Information in the case file v.b. Call center records, Invoices, promissory notes, and check information, Information in box office receipts, Order information, Request information, etc.
Physical environment security data Entry and exit registration information of employees and visitors, Camera recordings, etc.
Transaction security data IP address information, Website login and exit information, Code and password information, etc.
Risk management data Information processed for the management of commercial, technical, administrative risks, etc.
Finance data Balance sheet information, Financial performance information, Credit and risk information, Asset information, etc.
Professional experience data Diploma information, Courses taken, Vocational training information, Certificates, Transcript information, etc.
Marketing data Shopping history information, Surveys, Cookie records, Information obtained through campaign work, etc.
Data on audiovisual recordings Audiovisual recordings, etc.
Health data Information about disability status, Blood group information, Personal health information, Information on the devices and prosthesis used, etc.
Data on criminal convictions and security measures Information on criminal convictions, Information on security measures, etc.

"Processing of your Personal Data" refers to all kinds of process carried out on data such as obtaining, recording, storing, protecting, changing, re-organizing, disclosing, transferring, taking over, making available, classifying, or preventing the use of this data.

In respect of our factoring products and services, which we will offer primarily for the purposes of providing you with better and reliable services without interruption, for the purposes of, especially, fulfilling our obligations and providing you with better services that we will provide in this context, QNB Finansfaktoring always stores your processed data and also your information collected through cookies* (Please find the details of our Privacy and Cookies Policy at address) that you share through our website or because of your use of the website safely and does not disclose it to 3rd parties outside the legal framework. All kinds of data you share with our company are confidential and shall not be disclosed.

The use of your personal data for your factoring transactions, your privacy, and the protection of your fundamental rights and freedoms are our basic principles.

By giving utmost importance to the security of your personal data, with the awareness that the security of your personal data is at the forefront in all our products and services we offer to you, as QNB Finansfaktoring, we would like to state that we continue our activities, that we take the highest level of measures to protect the integrity and up-to-dateness of your data, and that we ensure that all organizations from which we outsource services and/or partner act in accordance with our information security and privacy standards.

QNB Finansfaktoring may process your personal data;

  • Based on the express consent that you provide to QNB Finansfaktoring in relation to the subject matter; for the preparation of offers for general or personalized products and services specific to you in order to provide the best factoring services and to ensure customer satisfaction; for the purposes of conducting promotional, marketing, advertising, and campaign activities for these services and products;
  • Based on the legal reason that it is necessary to process the personal data of the parties to the contract, provided that it is directly related to the establishment or performance of a contract; for the purposes of fulfilling the requirements of the said contract and their annexes, including the Factoring Contract concluded with you or the contracts for the products you have applied for to provide you with factoring products and services,
  • Based on the legal reasons that it is mandatory for QNB Finansfaktoring to fulfill its legal obligations arising from the relevant legislation to which it is subject and that are clearly stipulated in the laws; for the purposes of performing identification and confirmation procedures of our customers, conducting information security processes, conducting audit/ethical activities, conducting internal audit/investigation/intelligence activities, conducting risk management processes, ensuring physical space security, monitoring and conducting legal affairs, carrying out activities aimed at customer satisfaction, carrying out storage and archive activities, following up requests/complaints, carrying out product/service sales and after-sales processes, carrying out finance and accounting works, risk monitoring and fulfilling the obligation to report to regulatory and supervisory authorities, fulfilling the obligations in accordance with all the legislation to which QNB Finansfaktoring is subject within the scope of factoring activities, in particular Law on Financial Leasing, Factoring, Financing and Saving Financing Companies Law No. 6361 and the Banking Law No. 5411, carrying out factoring activities, offering other products and services offered or requested by our Company.
  • Based on the legal reason that data processing is mandatory for the legitimate interests of QNB Finansfaktoring, provided that it does not violate the fundamental rights and freedoms of the data subject; evaluating the credit history and creditworthiness of the natural person customer and/or the owners, partners, managers, and real beneficiaries of the commercial customers mentioned within the scope of evaluating factoring transaction requests, conducting risk management activities and preventing fraud activities in this context, recording camera footages in the buildings of our branches and headquarters in order to ensure the physical security of the work areas, tracking the records of visits to our facilities, carrying out information security and financial security management and emergency management processes,
  • Based on the legal reason that data processing is necessary for the establishment, exercise, or protection of any right; for the purposes of managing the processes before the judicial and/or administrative authorities, especially the complaint management and all legal enforcement and litigation processes.

Transfer of your personal data:

Your personal data possessed by QNB Finansfaktoring is stored securely and is not disclosed to 3rd parties outside the legal framework. Based on the above-mentioned legal reasons, QNB Finansfaktoring may transfer personal data to persons, institutions and/or organizations required/permitted by Law on Financial Leasing, Factoring, Financing and Saving Financing Companies Law No. 6361, Banking Law No. 5411 and other Laws and the provisions of other legislation, financial institutions listed in the 4th paragraph of Article 73 of the Banking Law No. 5411 and public legal entities authorized to receive personal data such as BRSA, CMB, CBRT, Revenue Administration, SSI, FCIB, Ministry of Treasury and Finance, Credit Reference Bureau, The Banks Association of Turkey Risk Center, Merkezi Kayıt Kuruluşu A.Ş., judicial authorities, administrative authorities, our main shareholder and its subsidiaries and main shareholder, our affiliates, companies that operate as a broker/agency, third parties from which we outsource services to carry out our factoring activities, program partner institutions, organizations, domestic/foreign banks/factoring companies, funds with which we cooperate, organizations with which we cooperate, domestic/foreign/international organizations from which we outsource service/support/consultancy or become a project/program/financing partner, and organizations from which we outsource independent audit and external services, only within the framework of legal restrictions due to legal obligations.

Collecting methods of your personal data:

Your personal data is collected by means that are fully or partially automated or non-automated as part of any data filing system in oral, written or electronic form, in accordance with the Law on Financial Leasing, Factoring, Financing and Saving Financing Companies Law No. 6361, the Banking Law No. 5411 and other relevant legislation to which we are subject, via all agreements/information forms and other documents regarding factoring transactions issued with your approval and/or signature at the time of the establishment of your legal relationship with our Company and/or during the continuation of this legal relationship, or via the notifications that you will make with your electronic approval and/or signature, or via SMS/e-mail that you will send to us, or via cookies for the reason of using our website, or via channels such as our Headquarters, Regions, Branches, Website, Mobile Application, or via the databases of authorized institutions and organizations (Identity Sharing System, The Banks Association of Turkey Risk Center, MERNİS, Credit Reference Bureau, Revenue Administration, etc.) if required by law with your consent, or via customer visits made face-to-face or remotely by means of remote communication, or via chambers of commerce and tradesmen and similar unions and associations, by various methods, in a way obtaining from outside QNB Finansfaktoring, including our domestic/international subsidiaries, program partner institutions and organizations, with which we cooperate, and official institutions, domestic/international banks/factoring companies and other 3rd parties.

Your rights under Article 11 of the Law are as follows:

You may exercise the following rights by applying to QNB Finansfaktoring; I) to learn whether your personal data are processed or not, II) to demand information as to if it has been processed, III) to learn the purpose of the processing and whether it is used in compliance with the purpose, IV) to know the third parties to whom it is transferred in the country or abroad, V) to request the rectification of the incomplete or inaccurate data, if any, VI) to request the erasure or destruction of it under the conditions referred to in Article 7, VII) to request reporting of the operations carried out pursuant to sub-paragraphs (V) and (VI) to third parties to whom it has been transferred, VIII) to object to the occurrence of a result against you by analyzing solely through automated systems, IX) to claim compensation for the damage arising from the unlawful processing.

Data controller to which you may apply under the Law

The personal data owner/data subject may submit his/her requests within the scope of his/her rights specified in Article 11 of the Law by the following methods,

  • By submitting a written application in person to our Company together with the documents confirming his/her identity (identity card, driver's license, etc.),
  • By using a secure electronic signature or an electronic mail address previously notified and registered in our Company's system.
    a. By e-mail to our Company's Registered Electronic Mail address (
    b. By e-mail to e-mail address.

The applications must include;

  • Name, surname of the personal data owner/data subject and, if the application is written, his/her signature,
  • Turkish identity number for citizens of the Republic of Türkiye, nationality for foreigners, passport number or identity number, if any,
  • Residential or business address for notifications,
  • E-mail address, telephone, and fax number for notifications, if any,
  • Subject of request

information and documents related to the subject should be attached to the application. Applications are accepted following the identity confirmation to be made by our Company and will be responded to in writing or electronically within the legal periods.

In written applications, the date on which the documents are notified to our Company is the application date.

In applications made by other methods, the date on which the application reaches our Company is the application date.

Data Controller Details:

IOS and Android Operating Systems Privacy Policy Implementation Criteria:

App Permission and Data Collected Permission and Purpose of Data Collection
Internet access Required for general use of the mobile application.
Media and file permissions When the document is exported, it is used to write to the memory of the device.
Camera permission It is used in QR and photo selection processes.
Phone Number Application functionality is used for personalization account management.
Location It is used to customize branch locations according to the current location.

Your information collected by QNB Finansfaktoring through cookies (you can review the privacy and cookie policy for detailed information about our cookie policy) that you share through our mobile application and website or your use of the website / mobile application and your information collected in order to detect malware in other applications installed on your device where you download our mobile application are always kept safely and are not disclosed to third parties outside the legal framework. domain name is used by QNB Finans Faktoring A.Ş. and any data you share is confidential and will not be disclosed.

Trade Registry No.: 701192
Mersis No.: 0388-0617-3950-0022
Trade Name: QNB Finans Faktoring A.Ş.
Head Office Address: Esentepe Mahallesi, Büyükdere Caddesi, Kristal Kule Binası, No: 215, Kat: 21 Şişli/Istanbul
Website address:
Tel: 0212 371 38 00
Fax: 0212 371 38 99