This Policy explains the categories of cookies we use, what their purpose is, how you can modify your preferred options and explains the technologies we set up to collect data related to the use of our website and our communication via e-mail.
These technologies, used by almost every website and are part of almost every promotional e-mail sent over the Internet, are known as "cookies" and "web signposts".
What are cookies and how are they used on our website
A cookie is a small amount of data, text files, usually containing an unique identifier. Cookies may be sent to your browser when you visit our website. They are stored in the web browser on your device (PC or mobile device) when you visit a web page. Cookies store information about your web browser settings, such as language, font size, and the fact that you have already visited certain pages. Thus, you don't have to reset them when you visit the same page again.
Some cookies are stored during your visit to our website only. These cookies are known as temporary cookies. Others, known as persistent cookies, may remain stored on your computer after a visit, and our website will be able to access them each time you visit the website.
Types of cookies we use:
Basic or temporary cookies (session cookies)
The basic cookies can be used in order to enable you to receive the services you have requested through our website. Without these cookies, the delivery of services you requested will not be possible. These cookies will be automatically deleted from your computer by interrupting the current session or closing the browser.
For example, these cookies can be used on our website to remember previous activities you performed (such as filling out a form) when returning to the previous page during the same session.
Performance cookies
We may use performance cookies that collect information about how our website, ads and emails are used, as well as to notify us of any errors. These cookies can be used to collect detailed technical information, such as the last visited web pages, the number of pages visited, whether you have opened certain e-mails, which parts of our website or e-mails you have clicked and the time period between two clicks. While this information may be linked to data such as your IP address, domain or browser information, it is only analyzed in a group with data from other users, not in a way that can directly identify you.

For example, these cookies can be used on our website:

  • To analyze and improve the performance of our website, ads and emails
  • For management of the performance and design of our website
  • To calculate the number of responses on our ads for improvement of our advertising efficiency
  • To count the errors that occur on our website for the purpose of improving our services

Redirection cookies
We may access redirection cookies sent to your device through our Business Partner’s website. These cookies are used to identify any redirections made by our business partners to our website and whether the visit of the redirected person results in the use of a product or service from the Bank. This information may be shared with our business partners, but only in an anonymous manner, and not in a way that can directly identify you.
Function or persistent cookies
We can use functional cookies that are not basic, but provide various useful functions on our website.

For example, these cookies can be used on our website to:

  • Remember the preferred options that you selected during the previous visit to the website, such as language, your interests and the display of the website, so that you do not select them again
  • Remember the answers to questions posed to you by our websites, such as refusing to participate in a customer satisfaction questionnaire so that you are not asked again
  • Find out if a service has already been offered to you
  • Provide information in order to enable an optional service to function, such as watching videos online
  • Provide information for the nearest ATM by collecting information about the region you are currently at (if you agree to share such information)
Targeting or advertising cookies
On our website, we may use cookies for targeting or advertising in order to send you ads and promotional messages tailored to your interests. These cookies can collect detailed information about your most common browsing through our website (such as the products and services you click on). They can also be used for recognition when you return to our website.

For example, these cookies can be used on our website to collect information about the products and services from the Bank that you have browsed, in order to:

  • provide you with contents, recommendations and ads that interest you more
  • personalize and direct e-mails and other direct advertising communications more efficiently
  • help measuring the effectiveness of an advertising campaign

Third party cookies
Your use of our website may result in the storage of certain cookies that are not under the control of the Bank. This can happen when the website you are using uses third-party analytics or an automation/advertising management tool (such as the tools offered by Google and Oracle) or content from a third-party website is displayed, such as, for example: YouTube or Facebook. Thus, you get cookies from the services of that third party, whereby the Bank may not control the storage or access to these cookies. In that case, we encourage you to review the privacy and cookie policies for these third-party services and find out how these third parties use cookies.
Additional information on Internet banking cookies
Cookies are used in the Internet banking services of the Bank in order to provide a better service (for example, memorizing the language selected).
Web signposts
Web signposts (active tags) also known as "single pixel" or "clear gif" technology can be used on our website and in our communications. This technology tells us which visitors clicked on the key elements (such as links or graphics) on the website or email address. When you ask us to send you promotional information we can use web signposts to find out which emails will actually be open. We use this information in order to optimize our content, services and communications.
Web signposts usually work together with cookies and can be turned off by disabling cookies. Certain e-mail and web browser software can be configured to prevent automatic image downloads. This will also prevent the function of the web signposts until you decide to download the images.
How to disable cookies

The "Help" menu on the browser toolbar on your computer provides the following user information:

  • Accept all cookies
  • How to turn off cookies from third parties
  • How to set the browser to notify you when you receive a new cookie
  • How to turn off cookies completely
Disabling cookies in this way will prevent new cookies from being set, but will not stop the previously installed cookies on your device unless you delete all cookies in your browser settings.

If cookies are not accepted, then there is a possibility that the website will not function in the way you expected. To prevent this, we recommend that you accept cookies.