Cookies Policy

Use of cookies on the websites of ABANCA Corporación Bancaria S.A.

On the web pages of the entity responsible for the domain (hereinafter, "name of the entity responsible for the domain abbreviated") and its subdomains (hereinafter, collectively, the "Website"), we use our own and partner companies' cookies both to improve your user experience and to show you content tailored to your interests by analyzing your browsing habits, as we explain below in this "Cookies Policy".

This Policy may be updated for various reasons; for example, due to new legislative requirements, instructions issued by the competent control authority or when there is any variation in the operation of the cookies used on the Website. For this reason, we invite you to review this Policy on a regular basis.

1. What are cookies?

A cookie is a small file that is downloaded and stored on your device when you access certain web pages. Cookies allow a website, among other things, to verify the operation of the website itself and the verification of essential aspects, such as the user's identity in the case of individualized requests, which allows us to remember your information in order to offer you a more personalized experience tailored to your interests.

Cookies can affect your privacy, for this reason, we want to provide you with all the necessary information about the type of cookies we use so that you have full decision-making power in relation to their use and the protection of your privacy. To this end, in the section "What types of cookies are there and which ones do we use?" we provide you with a direct access button to the "Cookie settings" panel, which contains details of the types of cookies used on the Website and their corresponding purposes.

2. What types of cookies are there and which ones do we use on the Website?

There are different types of cookies depending on several factors:

● Depending on who creates them, they can be:

− Own cookies: are those created or managed by the owner of the Website.

− Third-party cookies: are those managed by a different third party and outside the owner of the Website.

● Depending on how long they are stored, they can be:

− Session cookies: are those designed to collect and store data while you access the Website. As their name indicates, these cookies are temporary, so they disappear at the end of the session.

− Permanent cookies: are those that allow you to store data on your computer and / or terminal, so that the person responsible for the cookie can access them and treat them for the period of time it determines.

● Depending on the purpose for which the data obtained are processed, they can be:

− Technical cookies: these are those that are strictly necessary to allow the Website to function correctly, which includes the use of the services available on the Website at any given time. These cookies cannot be disabled from our systems. By using these cookies no personal data is collected or stored, and your consent is not required in this regard.

− Analysis cookies: these are those that allow the monitoring and analysis of user behavior on the Website, in order to make improvements to it.

− Personalization cookies: are those that allow you to remember information for users to access the service with predefined general characteristics based on a number of criteria in your computer and / or terminal such as, for example, language, type of browser through which you access the service, etc.

− Advertising cookies: allow the effective management of advertising spaces contained on the Website, being able to store information on user behavior obtained through the continuous observation of their browsing habits, allowing the development of a specific profile to display advertising based on it.

On the Website we provide you with a "Cookie Settings" console through which you can easily manage your preferences in relation to the installation or not of cookies on your computer and/or terminal, as well as obtain detailed information on the types of cookies and characteristics of each of them used by the Website.

The "Cookie settings" console is displayed by default on your first visit to the Website; however, you can also access it from here.

Regardless of the selection you make in the "Cookie settings" console, a technical cookie (called "Optanon") with an ID whose sole purpose is to store the consent options you have selected without, in any case, collect personal information will be automatically downloaded to your computer and / or terminal. If you wish to know the specific selection of cookies you have made or if you have any doubts or queries related to the management of your preferences for downloading cookies, you can contact ABANCA's Data Protection Delegate in writing by e-mail at privacidad@abanca.com. In these cases, and so that we can deal with your request properly, it will be necessary for you to indicate the ID of the "Optanon" cookie, which you can obtain by clicking the right button of your mouse and selecting "Inspect → Application → Storage → Cookies". When you select the corresponding cookie, a panel will open in which you will be able to see the cookie ID containing a code that identifies it.

We also inform you that, if you proceed to save the cookie settings without having activated any of the available options, it will be equivalent to directly rejecting all cookies, with the exception of technical cookies which, as we have indicated, are always active by default.

3. Who uses cookies?

The information collected through cookies on a website can be used both by the owner of the website and by a third party that provides a service to the owner.

In this sense, the information from the cookies used on this Website is treated by ABANCA, as the owner of the website, as well as by third parties that provide services to it. These third parties are:

3.1. Google Analytics

This Website uses Google Analytics, a web analytics service that allows the measurement and analysis of navigation on web pages. In Europe and Switzerland, this service is managed by Google Ireland Limited (hereinafter "Google"), a company incorporated and operating under the laws of the European Union and whose head office is located in Gordon House, Barrow Street, Dublin 4, Ireland.

We inform you that the analytical information obtained through Google Analytics cookies that are downloaded to your computer or terminal (subject to your prior consent) is anonymized so that, in no case, allows your identification, either directly or indirectly, and, moreover, is not shared with Google.

In your browser you can see which cookies are used by Google Analytics for the aforementioned service. You can also find more information about Google's cookies, as well as about the cookie opt-out add-on for browsers created by Google Analytics by clicking here or by accessing the “Analytics Cookies” section of the Website's settings panel.

3.2. Adobe Analytics and Adobe Target

This Website uses Adobe Analytics and Adobe Target, services that are part of Experience Cloud, a family of digital marketing solutions and services provided by Adobe Systems Software Ireland Limited ("Adobe"), a company with its principal place of business at 4-6 Riverwalk, Citywest Business Campus, Saggart D24, Dublin, Ireland.

Adobe Analytics uses cookies for analytical purposes (e.g. to differentiate between requests from different browsers or to analyze browsing flow). Adobe Target uses cookies to provide Website publishers with a number of personalization tools (e.g. to determine the most relevant online content).

You can find more information about Adobe's cookies at the links provided below:

You can also learn more about Adobe's privacy choices, including how to opt-out of cookies, by clicking here.

3.3. Social Media Links

The Website may also include buttons through which you can easily and intuitively link to and/or share certain Website content on social networks such as YouTube, X Corp, Facebook or LinkedIn. This functionality involves the use of cookies that link to the web pages of these social networks, storing the information only on them.

You can find more information about the cookies used by the referred social networks in the links we provide below:

The cookies used by each of the third parties mentioned in sections 3.1, 3.2 and 3.3 above are identified, according to the group to which they belong (analytical, personalization or advertising), in the "Cookie settings" panel of the Website. Likewise, such third parties may, where appropriate, carry out international data transfers as provided in their corresponding Cookie Policies. In this regard, you can access the links provided in the identification of each of the third parties in this section "Who uses cookies?".

4. How can you view cookies?

All browsers offer you the possibility to search for and view the cookies installed by a particular website, obtain information on their duration and the possibility of deleting them, as indicated in the following section "How to delete cookies?".

Below, we provide you with a series of informative links on this issue from the most commonly used Internet browsers:

5. How to disable or delete cookies?

To restrict or block cookies, you must modify the settings of the browser you use on your computer and/or terminal, whether computer, smartphone or tablet.

Disabling cookies does not prevent browsing the Website, although it may affect its normal operation or certain services and/or functionalities of the same.

In general, browsers offer the following configuration options in relation to the installation of cookies:

− That the browser rejects all cookies and, therefore, no cookie from any web page is installed on your computer and/or terminal.

− That the browser warns you before the installation of the corresponding cookie so that you can decide whether or not to accept the installation of the same.

− That the browser only rejects third-party cookies from the websites you visit, but not those used by the website you are browsing.

Likewise, if you activate the option of browsing in private mode, cookies will be installed on your computer and / or terminal but will be automatically deleted when you finish browsing the website. In the following links you can obtain information about browsing in private mode in the most widely used Internet browsers:

6. How long do we keep the data generated by the use of cookies?

The data generated by the use of cookies on your computer and/or terminal will be retained for a period of twelve (12) months. After the aforementioned period, such data, including those relating to configuration cookies, will be deleted from our systems, so you will have to reconfigure the cookies according to your preferences. As we have informed you above, configuration cookies do not store personal information, only your preferences for downloading cookies, i.e., the categories that you have allowed to download on your computer and/or terminal.

Although, as indicated, the consent related to the use of cookies is renewed every twelve (12) months, there are some exceptions to this term that imply the need to obtain your consent again prior to the expiration of the referred term (e.g. in case of substantial modifications in the operation of cookies, when new types of cookies are implemented in their corresponding categories that require consent or whenever there are technical changes whose operation depends on a re-publication of the notice and/or the "Cookies settings" panel).

We show you information about our Cookies Policy the first time you access the Website. Faced with this information you can perform the following actions:

● Modify your cookies settings. You can obtain more information about what cookies are, which cookies are used by the Website, learn about ABANCA's Cookie Policy and modify the cookie settings to adapt them to your preferences.

● Accept cookies. You can directly accept the use of all cookies, which will allow you to use all the functionalities of the Website without restrictions. In case you accept the use of cookies, you will no longer see the warning when accessing any page of the Website.

● Refusing cookies. You can directly reject the use of all cookies, except for technical cookies which, as we have previously informed you, are always active by default. In the event that you reject the use of cookies, you will no longer see the warning when accessing any page of the Website.

Notwithstanding the above, you can manage your consents related to the different types of cookies used by the Website at any time by accessing the "Cookie settings" console that you will find permanently available in the "What cookies do we use?" section of this Cookies Policy.

You should bear in mind that if, at first, you accept any of the types of cookies referred to in the section "What types of cookies are there and which ones do we use on the Website?" of this Cookies Policy and, subsequently, you wish to delete them, you must do so in accordance with the options made available to you by the browser you use, as indicated in the section "How to delete cookies?" or from the configuration system offered by the third party itself.

For more information about your privacy, you can consult our Privacy Policy.