Complete Guide to Closing Your Carta Reale Account
Introduction
If you are considering closing your Carta Reale account but are unsure how to proceed, you are in the right place. In this comprehensive guide, we will detail all the necessary steps and information you need to know.
Preliminary Considerations
Before proceeding with the closure of your Carta Reale account, it is essential to consider a few important aspects:
Ensure that you have transferred all your funds from your Carta Reale account to another account.
Save all important documents, such as statements and receipts, for your personal records.
Closure Procedure
Closing your Carta Reale account follows a specific procedure:
You cannot close the account directly through the app.
You need to contact customer service by sending an email to [email protected].
Any outstanding fees must be settled.
After closing the account, you will have 60 days to withdraw any remaining funds (unless legal restrictions apply).
During the 60-day period, previous payment limits and fees will still apply.
Closure Costs
Closing the account incurs a fee of 30 euros.
After 60 days from the closure, you will no longer have access to the free transactions provided by your plan.
There may be indirect costs depending on your specific needs.
Management of Personal Data
Retention Period
The retention period depends on the purpose of processing.
Regulated financial companies are required to retain user data for five years after the termination of the relationship with the client or the date of an occasional transaction.
In some jurisdictions, the mandatory retention period may be longer.
Personal data, including biometric data, will be retained and subsequently destroyed according to applicable regulations.
Disposal and Destruction Policy
The deletion of personal data occurs:
After receiving a deletion request from the data subject.
Upon the expiration of the purpose for which the data was processed.
At the end of the retention period prescribed by law.
Deletion is carried out through secure procedures that ensure the data is non-recoverable.
User Rights
As a user, you have the right to:
Obtain confirmation of whether your personal data is being processed.
Rectify incorrect or incomplete data.
Request the deletion of data ("right to be forgotten").
Restrict the processing of data.
Be informed about rectifications, deletions, or restrictions.
Receive your data in a portable format.
Object to the processing of data.
Not be subject to decisions based solely on automated processing.
Lodge a complaint with the supervisory authority.
How to Exercise Your Rights
Send a request via email to [email protected].
Requests will be processed within 30 days.
The period may be extended by an additional 60 days in complex cases.
You will be informed of any extensions within the first month.
Important Notes
Identity verification may be required to process requests.
Requests are generally free, but costs may apply for excessive or repetitive requests.
Data may be retained for up to 90 days after a deletion request to comply with legal obligations.
Carta Reale retains the right to keep data necessary to prevent fraud or comply with legal obligations.
Assistance
If you encounter any issues during the account closure process:
Contact Carta Reale customer service.
Wait and try again later if you experience technical errors.
Keep all documents related to your closure request.