Question 1

What is a cookie?

Accepted Answer

A cookie is a small file (often text type) stored on your computer or device once you visit the UniCredit Bank website. Cookies are installed through a browser-based browser (like Internet Explorer, Chrome) and are completely "passive" (do not include software, viruses or spyware, and can not access information on the user's hard disk ).

A cookie consists of two parts: the name and the content or the value of a cookie. The duration of a cookie is technically determined by the webserver that sent the cookie, which can access it again when the user returns to the website that is associated with that webserver.

Cookies are considered the standard for most current browsers and are widely used to make it possible to provide online services and increase their efficiency, as well as to provide information to your service providers about your experiences while browsing the site. When you re-use these online services, your browser sends previously stored cookies to the online service. In this way, the online service will recognize and remember important information about you that helps you personalize and facilitate the experience you provide, for example, keeping your saved preferences.

We and our partners use other technologies, including data stored on your web browser or device, identifiers associated with your device and other software applications for similar purposes

These include the following:

- Pixel tags: "Pixel tags" (also called web beacons or pixels) are small code files installed on (or required by) a web page, email address, application, or ad that collects certain device information and your browser and how you interact with them. This information includes, for example, the type of device, operating system, browser type and version, visited website, visit time, redirected website, IP address, if you opened an email or clicked on an ad and other similar information, including the small text file (cookie) that identifies the device. Through pixel tags, certain third-party companies can set and read cookies from a domain that they do not operate, and can collect information about the visitors of that domain, usually with the permission of the domain owner.

- Local storage: This generally refers to other places in a browser or device where information can be stored by websites, advertisements or third-party companies (for example, local storage and HTML5 browser cache) .

- Device identifiers: Device Identifiers: We may also collect your IP address, the unique device identifier or create a unique device fingerprint (this is a unique combination of various information on the device so that we can identify it), in order to identify your device. Then we may use this information in a similar way to cookies.

- Audit ID: The audit ID is a unique random number that is generated for you when you visit this site. The purpose of the audit ID is to keep a record of your consent history regarding which cookies you have accepted and when. The audit ID includes: the time stamp, the version of the cookie provider list and the list of providers that are allowed to process your data.

In this policy, we refer to all of these technologies and other similar ones as "cookies". These technologies can be used to recognize when your device performs operations. For example, they can recognize when you visit pages on our website or other websites, use parts of an application or open emails we send you or links in technologies.

Question 2

Why are cookie modules used?

Accepted Answer

We and our partners use cookie modules to automatically record some information about how you use the site and navigate within it. This helps us, in particular, to identify you, to analyze and improve your browsing experience, to personalize the content and features, as well as to customize and measure the advertisements that we make available to you.

Although the cookie modules used by the website change from time to time, as we improve and update the website, they generally fall into the usage categories below:

a) Necessary Cookies

These cookie modules are essential for the provision of services specifically requested by website visitors. Without them, the internet pages cannot function and cannot provide the requested services. These cookies are necessary to enable basic site functions, such as providing secure authentication or adjusting your consent options. These cookies do not store personal data.

User consent is NOT required to save these cookies in the device.

b) Analitycal Cookies

We use cookie modules to collect information about how you interact with the Site, thus contributing to understanding and analyzing how you use it, in order to improve it. For example, they help us to understand and analyze the most visited pages and to identify the problems you might encounter. In other words, they allow us to discover and analyze certain patterns of use of the Site, to analyze general traffic and to understand the ways in which you interact with the Site.

User consent is required to save these cookies in the device.

c) Cookies for advertising

These cookies are used to provide users with personalized advertisements based on the pages they have previously visited and to analyze the effectiveness of advertising campaigns.

User consent is required to save these cookies in the device.

Question 3

Who is placing cookie modules on my device?

Accepted Answer

As the operator of the Website, UniCredit can store cookies on your device. These cookies are the so-called "own cookies". It is also possible for one of our partners to place certain cookie modules on your device when you use the Site (eg when you visit a page with embedded content or social network widgets). These are called "third-party cookies" and are used to provide services to us and others. We do not have control over third-party cookie modules and, due to the way they work, we cannot access them either. Cookie modules can only be accessed by the company that created them.

More information about our partners who have provided third-party cookie modules on the website and how they use the information about you can be found below.

Adobe Analytics Privacy Policy

Google Privacy Policy

Tealium Privacy Policy

More information about our partners who have provided third-party cookie modules on the website and how they use the information about you can be found below.

Adobe Analytics Privacy Policy

Google Privacy Policy

Tealium Privacy Policy

Question 4

How can I manage cookies?

Accepted Answer

You can change your preferences regarding the use of cookies on the UniCredit website (with the exception of necessary cookies), by accessing the CONFIDENTIALITY settings menu, at the bottom of the page, DIGITAL section.

At the same time, you can set the browser you are using to block any types of cookies, including the necessary ones. However, we draw your attention to the fact that, in such a situation, the websites you visit (including the UniCredit website) may not function properly. Also, deactivating other types of cookies (other than the necessary ones) could affect the functioning or your experience when using the website.

You can find additional details on how you can delete cookies or how you can manage cookies on different internet browsers by accessing the links below:

Chrome

Safari on Mac

Firefox for desktop

Firefox for Android

Samsung Internet

Opera

Microsoft Edge

Chromium

Internet Explorer

Name(cookie module ID)	The domain that places the cookie	Cookie type/purpose	Lifetime
JSESSIONID	UniCredit.ro	Functional (for keeping the session; to store the session identifier so that the number of sessions for an application can be monitored)	session
renderid	UniCredit.ro	Functional (for keeping the session on the server; identifies the server where the visit is made)	session
TS01*	UniCredit.ro	Functional (for security and antifraud purposes)	session
BIGipServer	UniCredit.ro	Functional (contains information about back-end systems such as IP addresses and port numbers)	session
segment	UniCredit.ro	Functional (for using segment menu)	sporadic/session
ak_bmsc	unicreditbanking.net	Functional (used to optimize site security by differentiating between humans and robots)	2 hours
_GRECAPTCHA	www.google.com	Functional (set by the Google reCAPTCHA service to identify bots to protect the website against malicious spam attacks.)	6 months
CONSENTMGR	UniCredit.ro	Functional (to keep the status of the user's preferences regarding cookies setting)	1 year
utag_main	UniCredit.ro	Functional (to keep the information necessary for operation)	1 year
hideLN	UniCredit.ro	Functional (for checking the browser version)	2 years
bm_sv	UniCredit.ro	Cookie required for the cache function. A cache is used by the website to optimize the response time between the visitor and the website. The cache is usually stored in the visitor's browser. Users' bandwidth results are stored in this cookie to ensure that the bandwidth test is not repeated for the same user for cache functionality.	2 hours
rc::a	Google.com	Functional (set by the Google reCAPTCHA service to identify bots to protect the website against malicious spam attacks.)	permanent
rc::b	Google.com	Functional (set by the Google reCAPTCHA service to identify bots to protect the website against malicious spam attacks.)	permanent
rc::c	Google.com	Functional (set by the Google reCAPTCHA service to identify bots to protect the website against malicious spam attacks.)	permanent
rc::f	Google.com	Functional (set by the Google reCAPTCHA service to identify bots to protect the website against malicious spam attacks.)	permanent

Name (cookie module ID)	The domain that places the cookie	Cookie type/purpose	Lifetime
AMCVS_###@AdobeOrg	Adobe Analytics	Cookies used by Adobe Analytics to distinguish users.	2 years
newVisit	Adobe Analytics	Used by Adobe Analytics to identify whether the user is on a new visit or a repeat visit.	30 min
AMCV_###@AdobeOrg	Adobe Analytics	Cookie that records an anonymous identification of the user.	2 years
s_ppv	Adobe Analytics	Cookie used by Adobe Analytics to record the name and type of the previous page the user visited.	30 min
previous_page_url	Adobe Analytics	Cookie used to record the address of the previous page	30 min
ext_page_name_prev	Adobe Analytics	Cookie used to record the address of the previous page	30 min
s_cc	Adobe Analytics	Cookie set and read by JavaScript to determine if cookies are enabled.	session
s_lv_s	Adobe Analytics	Cookie used by Adobe Analytics to identify the user's last visit.	3 years
s_lv	Adobe Analytics	Cookie used by Adobe Analytics to identify the user's last visit.	3 years
s_ips	Adobe Analytics	Cookie for calculating the page view percentage.	session
s_sq	Adobe Analytics	Cookie set and read by JavaScript when the SelectMap or ActivityMap function is activated and contains information about the last link selected by the user.	session
s_tp	Adobe Analytics	Cookie for calculating the page view percentage	session
s_nr30	Adobe Analytics	Cookie for tracking the site and improving performance based on user selection.	30 days

Name (cookie module ID)	The domain that places the cookie	Cookie type/purpose	Lifetime
test_cookie	.doubleclick.net	Advertising/ this cookie is set to determine if the user's browser accepts cookies.	15 min
IDE	.doubleclick.net	Advertising / this cookie stores information about how the user uses the website in order to present relevant advertisements according to the user's profile.	1 year and 24 days
_fbp	.unicredit.ro	The cookie contains a Facebook user ID and an encrypted browser ID. It will receive information from this site to better target and optimize advertising. The information collected includes IP addresses, web browser information, page location, document, referrer and device, button clicks, pages visited and page metadata.	3 months
_gcl_au	.unicredit.ro	Advertising / these cookies store information about the advertisements that are clicked and check whether those clicks turn into actual purchases - also known as "conversions". Essentially, it helps to create more effective advertising systems on various websites. In this way, companies can improve their ads, while users receive content better tailored to their interests.	90 days
_gcl_aw	.unicredit.ro	Advertising / these cookies store information about the advertisements that are clicked and check whether those clicks turn into actual purchases - also known as "conversions". Essentially, it helps to create more effective advertising systems on various websites. In this way, companies can improve their ads, while users receive content better tailored to their interests.	90 days
_gcl_gs	.unicredit.ro	Advertising / these cookies store information about the advertisements that are clicked and check whether those clicks turn into actual purchases - also known as "conversions". Essentially, it helps to create more effective advertising systems on various websites. In this way, companies can improve their ads, while users receive content better tailored to their interests.	90 days

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