1. What are Cookies?
Cookies are files that are stored on the computer of the User who accesses the Website and browses through it and, in particular, there is a number that uniquely identifies the User's computer, even if the user changes location or IP address.
Cookies are installed while browsing through the Website, either by OPENBANK or by third parties with which the Website is related, and allow us to know your activity on this website or on other related ones, for example: the place from which you access, the connection time, the device from which you access (fixed or mobile), the operating system and browser used, the most visited pages, the number of clicks made and data regarding the behaviour of the user on the Internet.
The Website is accessible without the need for the cookies to be activated, although their deactivation may prevent the proper functioning thereof.
The User may revoke their previously given consent at any time, as well as configure the cookies and even reject their use through the cookie settings options offered to them by their Internet browser, and whose details are provided at the end of the policy.
3. Types of Cookies that are used on the Web
The User who browses the Website can find cookies inserted directly by OPENBANK (the "Owner"), or cookies inserted by entities other than the latter, as detailed in the following sections:
3.1. Strictly necessary cookies inserted by the Owner
3.2. Third-party cookies
|3rd||Google Analytics||Distinguish users||2 years|
|3rd||Google Analytics||Display advertisements when the user browses again||30 days. Some may last 12 months|
|3rd||Adwords||Installed when users
click on the advertisement
|3rd||Doubleclick||Conversion on search engine||12 months|
|3rd||Conversion on Facebook||24 months|
|3rd||Conversion on Twitter||24 months|
Cookie Owner Function Duration Own Identification Openbank Identify Customers/non-Customers 60 days Own Google Analytics Openbank Own Measurement 60 days
- Cookies for advertising purposes: Adconion, Google Adsense, yahoo and Dobleclick insert cookies to users of the Web to display advertising content related to them, based on previous user interactions, visits to the advertiser's website, origin IP, etc. In this way, with the data that is collected from the cookies, the ads displayed on the website are published and managed more efficiently.
Cookie Owner Function Duration Own DoubleClick Floodlight DoubleClick Tag container of the Adserver for all Indefinite campaign metrics Undefined Own Cookie Segment Openbank Navigation data will be analysed with the aim of customising the commercial offers of banking or non-banking products offered by Grupo Santander 60 days 3rd Google Adwords Conversion Pixel for conversion in SEM 30 days 3rd MediaMath Affiperf Pixel for RTG Display 30 days 3rd AppNexus MSN Pixel for RTG Display 30 days 3rd DBM Pixel for RTG Display 30 days 3rd Adconion Adconion Pixel for RTG Display 30 days 3rd RightMedia Yahoo Pixel for Display 30 days 3rd Digilant Digilant Pixel for Display 30 days
4. Browser configuration
This acceptance may be subsequently revoked through the content and privacy settings available on the browser. The Holder recommends that its users consult their browser help pages or access the help pages of the main browsers:
If the user has questions about the Cookies Policy of the website, they can contact the owner through the following address: Ciudad Grupo Santander. Avenida de Cantabria S/N 28660 Boadilla del Monte. Madrid. Indicating on the subject line: "Cookies Policy".
If you wish you can download this information.
Object and general information
Refusal by the User to provide certain Personal Data may make it impossible for Openbank to provide the requested services, functionalities and/or information. Likewise, the User promises that the data provided are correct, accurate and up-to-date, accepting any liability that may derive in the event of providing incomplete, wrong or inaccurate data in the data collection forms that, where appropriate, Openbank may ask them to complete.
Given the nature of the services provided by Openbank, and the means used to provide these services, the User authorises Openbank to record the calls and electronic communications with Openbank and for the use of computer and telematic records for access to Openbank services as sufficient and definitive proof of the instructions received and the operations carried out.
Party Responsible for the File and Security
Openbank, in its capacity as the data controller, guarantees to Users that it will always apply the applicable technical and organisational security measures set out in the current legislation given the nature of the Personal Data processed and the circumstances of the processing, as well as those that are advisable given the state of technology, guaranteeing the integrity, security and confidentiality of the Personal Data.
Processing of Data
The Personal Data collected will be processed for the purpose of promoting, developing and/or maintaining the commercial and/or contractual relationship with Openbank. The Personal Data may also be processed by Openbank for the purpose of conducting studies and/or analyses for the promotion and/or marketing of products and/or services directly marketed by Openbank or by third parties, specifically banking, financial, insurance and financial planning services, but also consumption products and services and/or personal products and services.
Openbank will also process the Personal Data for the purpose of carrying out commercial advertising and prospecting activities, including sending marketing communications to Users relating to the aforementioned products and services, not only by telephone, fax or post, but also by electronic and telematic means such as SMS, MMS, instant messaging applications, social networks or e-mail, in accordance with the terms set forth in article 21 of Law 34/2002, on Information Society Services.
We remind you that, as a User, you are entitled to declare your opposition to this processing at any time and revoke your consent to receiving information and advertising in accordance with the law, by writing to the e-mail address firstname.lastname@example.org or over the phone by calling 900 22 32 42.
Exercising your Data Protection Rights
We remind you that the User may at any time exercise their rights of access, rectification, cancellation, opposition and other personal data protection rights in accordance with the terms established in the current legislation, concerning their Personal Data, by writing to the e-mail address email@example.com or over the phone by calling 900 22 32 42.
Transfer of data to third parties
Openbank may not transfer the Personal Data of Users to third party companies, including companies from the same Group, without the prior and informed consent of the User that where necessary will be obtained through the corresponding electronic or paper data collection forms, as appropriate.
Notwithstanding the foregoing, we inform you that Openbank may communicate your Personal Data to the competent control and supervisory organisations and tax authorities, for the purposes of complying with the legislation applicable at all times in the banking and financial sector, the prevention of money laundering and terrorism financing legislation and that on consumer protection. These organisations and authorities will always be within the European Union, thus ensuring that the level of protection for privacy and confidentiality applicable to the Personal Data will be equivalent to that applicable by Openbank in its capacity as the data controller.
Common financial solvency files and Risk Services
Openbank may consult and collect the Personal Data of Users in the common financial solvency and credit and risk information files it deems most appropriate, as well as request this from the Central Service of Risk Information and the Bank of Spain (SCIRBE) or the authority replacing it, or the European authorities that carry out the equivalent function, for the purposes indicated in this clause and/or to comply with the applicable Spanish, European or International regulations. Likewise, and for the aforementioned purposes, Openbank may transfer the Personal Data of Users to SCIRBE, or the authority replacing it, or those European or international authorities that carry out an equivalent function, as well as the common financial solvency and credit and risk information files it deems most appropriate, in the event of a delayed payment or non-payment of any of the User's monetary obligations that are net, due and payable on demand.
We remind you that, in the framework of any query, offer, signing or execution of a contract that involves the assumption of credit risk by Openbank, as well as in the cases of advances of funds, the Personal Data of the Users will be submitted to computer processing (including scoring, profiling and/or segmentation processes), aimed at assessing the solvency of the Users. Openbank reserves the right to not send marketing information to the User, as well as to not authorise the contracting of products and/or services if, as a result of the checks made, it is found that the User's Personal Data are registered in a negative financial solvency file or do not meet Openbank's credit and risk criteria.
Information about Cookies
For more information about the types of own and third party cookies used by Openbank, their configuration and/or deactivation, please read our Cookies Policy.
If you wish you can download this information.
Openbank will collect and process your personal data when you provide it to us or each time you interact with us, to prevent and detect possible fraud such as undue access to customer personal information, possible identity fraud or any other situation that may be interpreted as fraudulent or unwanted used of the account, all with the purpose of safeguarding the fundamental interests of our customers/users.
Likewise, the personal data that you provide when applying for Openbank products may be passed on to the CONFIRMA File for the prevention of fraud. The data controllers are the subscribers to the Regulation of the CONFIRMA File, and the data processor is Confirma Sistemas de Información, S.L., with registered office at Avda. de la Industria, 18, TRES CANTOS (28760) MADRID. Consult the list of subscribers to the Regulations CONFIRMA File at www.confirmasistemas.es. The data given to the CONFIRMA File may be transferred to subscribers of the CONFIRMA File. In accordance with Spanish Organic Law on the Protection of Personal Data (Ley Orgánica 15/1999, de 13 de diciembre, de Protección de Datos de Carácter Personal), you may exercise your rights of access, rectification and opposition in writing to the data processor, CONFIRMA SISTEMAS DE INFORMACIÓN, S.L., at the address indicated above.
If you wish you can download this information.