Privacy and Cookies Policy

 

Open Bank, S.A. (hereinafter, “OPENBANK”) with registered office in Avda. Cantabria s/n, Boadilla del Monte 28660, Madrid, Spain, and with contact e-mail address ayuda@openbank.es uses cookies on its website www.openbank.es (hereinafter, the “Portal” or “Website”) for the purposes of improving the browsing experience of its users (“Users”).

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.

Thus, cookies collect information that may allow us to identify you or your approximate location, as well as save information about your browsing preferences in order to provide you with a more personal experience on future visits to the Website. The use of cookies also allows us to collect the usage patterns of the Website in order to make improvements to our services.

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.

2. Authorisation for the use of cookies

In accordance with the cookies notice that appears in the footer of the Website, the User accepts that, when browsing through it, they expressly agree to OPENBANK's use of cookies in accordance with the description detailed below.

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

The Owner of the Website uses cookies that are strictly necessary and serve to facilitate the correct navigation of the Website, as well as to ensure that its content loads effectively. These cookies are session cookies that are temporary. They expire and are   deleted automatically when the User closes their browser.

3.2. Third-party cookies

Below are the entities other than the Owner that use cookies on the Website, as well as the purposes thereof:

  • Social network cookies: the Owner uses cookies for Facebook, Twitter, Linkedin and Google Plus so that the user can share content from the Website on to the aforementioned social networks, or to facilitate registration on the Website, so that, with the data provided by the Users, the social networks can directly fill in the fields of the registration form on the Website. 
  Cookie Owner Function Duration
3rd Google Analytics Google Distinguish users 2 years
3rd Google Analytics Google Display advertisements when the user browses again 30 days. Some may last 12 months
3rd Adwords Google Installed when users
click on the advertisement
30 days
3rd Doubleclick Google Conversion on search engine 12 months
3rd Facebook Facebook Conversion on Facebook 24 months
3rd Twitter Twitter Conversion on Twitter 24 months

 

  • Cookies for measuring traffic on Portals: the Owner uses cookies of Google Analitycs, Nielsen Netratings and Certifica Metric to collect statistical data from the activity of Users on the Website and therefore improve the services provided to Users. These cookies enable you to analyse user traffic generating an anonymous user ID that is used to measure how many times a user visits the site. They also record when was the first and last time they visited the Website, when a session is completed and the origin of the User.

     

     

      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 Google 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 Google Pixel for RTG Display 30 days
    3rd Adconion Adconion Pixel for RTG Display 30 days
    3rd RightMedia Yahoo Pixel for Display 30 days

     

    4. Browser configuration

    The Owner reminds its Users that the use of cookies is subject to their acceptance during the installation or updating of the browser used by the User.

    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:

    Firefox
    Internet Explorer
    Safari
    Chrome

    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

Access to and the use of the website www.openbank.es (“Website”) will be governed by the provisions of this Privacy Policy, as well as by its Legal notice and General Conditions of Use and the Cookies Policy, which the User accepts and undertakes to respect. Please carefully read and accept the three documents before using the Website.

Data Collection

Open Bank, S.A. (hereinafter, “Openbank”) will have access to and process the personal data of the users, registered or not, of the Website, (hereinafter collectively known as the “Users” and individually as the “User”) in accordance with the provisions of this Privacy Policy, as well as in accordance with the specific data protection clauses for certain products or services that may be applicable in each case. Such personal data will include not only contact details (name, postal address and/or e-mail address or telephone), but also identification, financial, location, personal profile, professional and commercial, image and voice data (hereinafter known as the “Personal Data”). Such Personal Data may be provided directly by the Users or indirectly collected by Openbank from your use of our services and under the legally established terms, and will be processed for the purposes described in this Privacy Policy.

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

Open Bank, S.A. will incorporate the Personal Data in its capacity as the data controller, with registered office in Ciudad del Grupo Santander, Av. de Cantabria s/n, Boadilla del Monte, Madrid. It takes the privacy of Users very seriously, guaranteeing the confidentiality of the Personal Data to which it has access, and that this processing will always be carried out in accordance with this Privacy Policy and the applicable data protection and privacy legislation at all times.

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.

Marketing communications

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 incidencias@openbank.es 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 incidencias@openbank.es 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.

Links

The User may find links on the Website to other websites controlled by third parties. Openbank does not have the power to control the content provided by these other websites and nor is it responsible for the processing of the personal data of Users that is carried out by those responsible for these websites. We remind you that this Privacy Policy is only applicable to the Personal Data collected and processed by Openbank through the Website. Therefore, Openbank accepts no responsibility for any aspect relating to the processing of User data that may be carried out by those responsible for these third party websites.

Information about Cookies

Openbank uses cookies, which are files that are stored on the computer of the User who accesses the Website and browses through it and, in particular, contain a number that uniquely identifies the User's computer, even if they change location or IP address.

Cookies collect information that may allow us to identify them or their approximate location, as well as save information about their browsing preferences in order to provide them with a more personal experience on future visits to the Website. The use of cookies also allows us to collect the usage patterns of the Website in order to make improvements to our services.

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.

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