Legal notice

Legal disclaimer

The FGDL website is hosted and updated by the Commission de Surveillance du Secteur Financier (CSSF), as well as the department of the CSSF which performs the operational tasks referred to in Article 12-15 of the Law of 23 December 1998 establishing a financial sector supervisory commission. The CSSF is, referring to the Conseil de Protection des Déposants et des Investisseurs (CPDI, Council for the Protection of Depositors and Investors), the designated authority in Luxembourg in charge of the administration of the deposit guarantee scheme pursuant to Directive 2014/49/EU.

Neither the FGDL nor the CSSF do guarantee the accuracy, topicality or completeness of the information provided on this website. Only legal and regulatory texts as well as any official documents published by the Management Committee of the FGDL and/or by the CPDI, or any administrative decisions taken by the latter are binding. Except for the official texts which are referred to on this website, any information published herein is intended for information purposes and may be altered at any time without prior notice. The FGDL and the CSSF may not be held liable for any possible damage suffered by a party arising from reliance on this information.

Neither the FGDL nor the CSSF accept responsibility for the content of external websites to which this website refers.

The contents edited by the FGDL are protected by copyright legislation.

Data protection

When using this website, certain data such as name, postal address, email address and other personal data may be requested from you. The IP address of your computer is automatically recorded by the system.

List of cookies used on the website :

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Functional Cookiespll_languageSave your preference regarding the language of the website.1 year
Performance Cookies_pk_id.#Collects anonymous statistical data on the website consultations, such as the number of visits or the average time spent on the website. The data is processed in-house and is not shared with a third party.13 months
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The data is exclusively used in the context of the performance of the missions conferred upon the FGDL, notably for the repayment of the covered deposits which have become unavailable in accordance with the provisions of Part III of the Law of 18 December 2015 on the failure of credit institutions and certain investment firms, as amended. The data is transmitted to the CPDI and to the department of the CSSF which performs the operational tasks linked to the missions of the FGDL, referred to in Article 12-15 of the Law of 23 December 1998 establishing a financial sector supervisory commission, as amended.

Furthermore we inform you that the FGDL is a public body which is separate from the banks. We do not have access to the customer files of depositors in Luxembourg, except in the event of bank default or bankruptcy.

In the specific case of the failure of the bank with which you have an account, and in order to offer you a complete, fast and quality public service, the FGDL may be required to collect different categories of personal data concerning you from the failing bank, such as:

    • personal and electronic identification data allow us, among other things, to get in touch with you (for example, according to needs and availability: name, first name, address, date of birth, nationality, telephone number, email address),
    • financial data, such as the bank account number, allowing us, among other things, to compensate you in the event of a claim,
    • data relating to your family situation (marital status, composition of the household, guardianship) and professional (mandates, dismissal, retirement), as well as data relating to people, life hazards and property that you invoke in order to provide benefit from the additional cover of temporarily high balances, respectively in order to repay joint accounts or other non-standard deposits.

Of course, within the strict framework of our public mission, only the relevant data necessary for the best execution of the deposit guarantee scheme are collected, processed and stored. Your data will not be used for prospecting purposes.

The data may also be used by subcontractors within the framework of the execution of the contract (e.g. when printing and sending a large number of letters for the campaign to reimburse your deposits) and according to the same legal constraints.

As a depositor, your personal data is kept for the duration of your reimbursement under the deposit guarantee scheme, as well as after the end thereof, for the maximum period necessary to comply with our legal obligations and their limitation periods.

If you are not administered, and have contacted the FGDL e.g. by email for information on the deposit guarantee system, your data will be deleted as quickly as necessary after your last contact with us.

In accordance with Luxembourg legislation on the protection of persons with regard to the processing of personal data, as amended, and Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, you have certain rights including, among others, the right of access to personal information and the right to rectification of any inaccurate information. You may exercise your right by sending your request by letter to the address below:

Fonds de Garantie des Dépôts Luxembourg
L-2860 Luxembourg

In the event of a complaint, you may contact the FGDL’s Data Protection Officer by email at dpo@fgdl.lu or by mail:

M. Pascal PIRIH
DPO of the FGDL
L-2860 Luxembourg

Where necessary (dispute, breach of the rules on the protection of personal data), you have the right to file a complaint with the National Commission for Data Protection (Commission nationale pour la protection des données, CNPD) which is the authority, in Luxembourg,  that is competent for the protection of personal data, through its website www.cnpd.lu or by writing to:

Commission nationale pour la protection des données (CNPD)
Service des réclamations
15, Boulevard du Jazz
L-4370 Belvaux

Applicable law

Any dispute relating to the use of the FGDL website shall be subject to Luxembourg law and shall be subject to the exclusive jurisdictions of Luxembourg.