{"id":18066,"date":"2024-10-18T14:17:24","date_gmt":"2024-10-18T14:17:24","guid":{"rendered":"https:\/\/bnieuropa.pt\/?page_id=18066"},"modified":"2024-10-24T14:57:18","modified_gmt":"2024-10-24T14:57:18","slug":"privacy-and-cookies-policy","status":"publish","type":"page","link":"https:\/\/bnieuropa.pt\/en\/privacy-and-cookies-policy\/","title":{"rendered":"Privacy and Cookies Policy"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column]<div class=\"hero template_5\">\n    <div class=\"default--container\">\n        <div class=\"hero-container\">\n            <div class=\"hero-wrapper hero-wrapper-387131 with-background-image \" data-wow>\n                                    <div class=\"image-wrapper\">\n                        <img decoding=\"async\" src=\"https:\/\/bnieuropa.pt\/wp-content\/uploads\/2024\/06\/politicas_hero_d.jpeg\" class=\"bckg-img desktop--only\" alt=\"\" width=\"1300\" height=\"331\" loading=\"lazy\">\n                                                    <img decoding=\"async\" src=\"https:\/\/bnieuropa.pt\/wp-content\/uploads\/2024\/06\/politicas_hero_m.jpeg\" class=\"bckg-img mobile--only\" alt=\"\" width=\"380\" height=\"159\" loading=\"lazy\">\n                                            <\/div>\n                                                            <\/div>\n\n                            <div class=\"outer-content-area\" data-wow>\n                                        <div class=\"wrapper-content\">\n                                                                    <\/div>\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"faqs \">\n    <div class=\"faqs-container\" data-faq-container>\n                    <p class=\"title\" data-wow>Privacy Policy<\/p>\n        \n                    <p class=\"description\" data-wow>Please read this Privacy Policy carefully, as access to the Bank BNI Europa website implies that you are aware of and accept the conditions contained herein.<\/p>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Who is the Data Controller?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"0\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"0\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>BNI Europa, with NIPC 509007333, headquartered at Av. Eng. Duarte Pacheco, CC Amoreiras, Tower 1 &#8211; Floor 7, 1070-101 Lisbon (Portugal) is the entity responsible for processing personal data and may, within the scope of its activity, use entities subcontracted by it for the purposes indicated herein.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Who is the Data Protection Officer?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"1\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"1\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>BNI Europa has a Data Protection Officer who is responsible for, among other things:<\/p>\n<ul>\n<li>Monitoring the compliance of data processing with applicable standards;<\/li>\n<li>Clarify questions relating to this policy;<\/li>\n<li>Cooperate with the National Data Protection Commission (NDPC);<\/li>\n<li>Responding to requests from data subjects to exercise their rights.<\/li>\n<\/ul>\n<p>The contact details of our Data Protection Officer are:<\/p>\n<p>Av. Eng. Duarte Pacheco, CC Amoreiras, Tower 1 \u2013 Floor 7<br \/>\n1070-101 Lisbon (Portugal)<br \/>\nEmail: <a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"dpo@bnieuropa.pt\">dpo@bnieuropa.pt<\/a><\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What is personal data?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"2\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"2\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Personal data is any information of any nature and regardless of its support, including sound and image, relating to an identified or identifiable natural person (hereinafter referred to as &#8220;data subject&#8221;). An identifiable person is one who can be identified directly or indirectly, in particular by reference to an identifier such as a name, an identification number or to one or more factors specific to his or her physical, physiological, mental, economic, cultural or social identity.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What is the processing of personal data?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"3\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"3\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Any operation performed on personal data, whether or not by automated means, such as collection, recording, organization, storage, alteration, consultation, use, disclosure, restriction, erasure or destruction.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What personal data is collected and processed?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"4\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"4\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>BNI Europa collects and processes the following personal data, among others:<\/p>\n<ul><\/ul>\n\n<table id=\"tablepress-13\" class=\"tablepress tablepress-id-13\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Data Category<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Identification and Contacts<\/strong><\/td><td class=\"column-2\"><li>Name<\/li><li>ID Number<\/li><li>NTax ID number<\/li><li>Photo<\/li><li>Signature<\/li><li>Adress<\/li><li>Phone Number<\/li><li>E-mail<\/li><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Biographical data<\/strong><\/td><td class=\"column-2\"><li>Date of Birth<\/li><li>Gender<\/li><li>Nationality<\/li><li>Birth Place<\/li><li>Marital statusl<\/li><li>Household Information<\/li><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Professional Activity Data<\/strong><\/td><td class=\"column-2\"><li>Academic qualifications<\/li><li>Umployment Status<\/li><li>Remuneration<\/li><li>Employer<\/li><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Voice and Image Recording Data<\/strong><\/td><td class=\"column-2\"><li>Call recordings<\/li><li>Video Recording and Photography<\/li><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Contractual data<\/strong><\/td><td class=\"column-2\"><li>Client Number<\/li><br \/>\n<li>Contract Number<\/li><li>Balance<\/li><li>Debit\/Credit Card Number<\/li><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Segments and Profiles<\/strong><\/td><td class=\"column-2\"><li>Commercial Segment<\/li><br \/>\n<li>Profile or Degree of Credit Risk<\/li><br \/>\n<li>Consumer Profile or Propensity to Purchase Financial Products<\/li><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><strong>Opinions and preferences<\/strong><\/td><\/td><td class=\"column-2\">Comments on the Bank's social media presence, or responses to satisfaction questionnaires<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><strong>Access Accounts<\/strong><\/td><td class=\"column-2\">User account, user authentication credentials, or Access Code<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><strong>Use of websites and applications<\/strong><\/td><td class=\"column-2\">Pages visited, or information about the equipment used (e.g. IP address, geographical location, browser used)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-13 from cache -->\n<ul><\/ul>\n<p>The collection of personal data is imperative within the scope of commercial and contractual relations with our clients, potential clients and other related data subjects, such as representatives, guarantors, sureties, among others. The data collected must be kept in order to comply with pre-contractual or contractual obligations arising from the legislation in force.<br \/>\nBanco BNI Europa processes data provided by the data subject or that the data subject has authorized, and assumes that the data is true and updated.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">How is your data collected?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"5\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"5\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Personal data may be collected by the following methods:<\/p>\n<ul>\n<li>Data provided directly by the owners;<\/li>\n<li>Data collected in the context of the use of products and services by data subjects;<\/li>\n<li>Cookies (Data relating to the use of the Bank&#8217;s websites and applications, obtained through cookies from the Bank or third parties. You can find more information about the type of cookies used by the Bank and the data collected in the cookies policy published on the website <a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"https:\/\/www.bnieuropa.pt\">www.bnieuropa.pt<\/a>);<\/li>\n<li>Data obtained by the Bank from third parties with which it works, including (i) the Bank of Portugal, (ii) public authorities, (iii) insurance companies, (iv) credit intermediaries, or (v) the Bank&#8217;s partners.<\/li>\n<li>Email and sms;<\/li>\n<li>Website and other Bank sites;<\/li>\n<li>Telephone calls;<\/li>\n<li>In person;<\/li>\n<li>Videoconferencing;<\/li>\n<li>Through applications (&#8220;apps&#8221;) installed on mobile devices;<\/li>\n<li>Through access to external sites;<\/li>\n<li>Social Media.<\/li>\n<\/ul>\n<p>The data collected is processed and stored by computer and in full compliance with personal data protection legislation, and is stored in a specific database created for this purpose by Banco BNI Europa or its subcontractors.<\/p>\n<p>Some of the personal data collected on the Bank&#8217;s websites (<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"https:\/\/www.bnieuropa.pt\">www.bnieuropa.pt<\/a>) must be filled in and, if this data is missing or insufficient, Banco BNI Europa may not be able to provide you with the services or information you have requested. In each specific case, Banco BNI Europa will inform you of the mandatory nature of the provision of the personal data in question.<\/p>\n<p>Videoconferencing is one of the alternatives provided to the client in the account opening process to verify the client&#8217;s entity, and the personal data collected is mandatory. In order to hold the videoconference, you will be asked for prior authorization to record the image. Without authorization, the account opening process cannot be completed by this method.<\/p>\n<p>Personal data can be collected by accessing external websites (screenscrapping), with the data subject&#8217;s authorization. More specifically, the customer&#8217;s bank details are collected through a one-off consultation of their homebanking (with their authentication), using a screenscraping tool that ensures the protection of both the homebanking access data and their bank details. This process is not compulsory and may be replaced by the direct delivery of the requested information by the data subjects.<\/p>\n<p>Bank BNI Europa may also store cookies on your device to personalize and make browsing as easy as possible. For more information, please read our <a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"https:\/\/bnieuropa.pt\/politica-de-privacidade-e-de-cookies\/\">Cookies Policy<\/a>.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What is the purpose of the data collected?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"6\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"6\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>We will use your data, among other purposes, to manage your registration as a user of the Bank&#8217;s website (<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"https:\/\/www.bnieuropa.pt\">www.bnieuropa.pt<\/a>), to manage your access to our products and services, to answer your questions and, if you wish, to send you our personalized communications.<\/p>\n<p>Please note that when we ask you to fill in your personal details in order to give you access to a feature or service on the Bank&#8217;s platform websites, some fields are mandatory, as these are the details we need in order to give you access to the private areas of the Bank&#8217;s websites, in order to be aware of and take advantage of our services and products. Please note that if you decide not to provide us with this data, you may not be able to complete your registration as a user and you may not be able to take advantage of the services and features of the Bank&#8217;s websites. You can cancel your registered user account by contacting us through Customer Support or by sending an e-mail to our Data Protection Officer.<\/p>\n<p>Your data will be included in a personal data file that Banco BNI Europa may use for the following purposes:<\/p>\n<ul><\/ul>\n<ul>\n<li>Management of the pre-contractual or contractual relationship and related operations, which includes the analysis, decision and management of credit operations and credit risk assessment;<\/li>\n<\/ul>\n\n<table id=\"tablepress-14\" class=\"tablepress tablepress-id-14\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>User Registration on the Bank's Websites<\/strong><\/td><td class=\"column-2\">To identify you as a user of the Bank's websites, to give you access to the various functionalities, products and services available to you as a registered user.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Account opening and management<\/strong><\/td><td class=\"column-2\">Collecting and registering data on account holders or representatives, opening current accounts, changing account holders and their details, or issuing bank statements.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Subscription and Management of Financial Products and Services<\/strong><\/td><td class=\"column-2\">Joining, producing and sending means of payment, simulating, setting up and managing savings products, or providing information on products and services acquired or subscribed to by the Customer.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Concess\u00e3o e Gest\u00e3o de Cr\u00e9dito<\/strong><\/td><td class=\"column-2\">Simula\u00e7\u00e3o, registo, decis\u00e3o e contrata\u00e7\u00e3o de opera\u00e7\u00f5es cr\u00e9dito e respetivas garantias, ou cobran\u00e7a e regulariza\u00e7\u00e3o de rendas ou presta\u00e7\u00f5es.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Banking Operations Management<\/strong><\/td><td class=\"column-2\">Processing of deposits by check or cash, direct debits, withdrawals, top-ups, payments, national and international transfers, collection of bank commissions, among others.<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Charges<\/strong><\/td><td class=\"column-2\">Credit default recovery activities.<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><strong>Deployment and Management of Services Related to Electronic Channels<\/strong><\/td><td class=\"column-2\">Joining electronic channels, managing access credentials, customizing channels or activating and deactivating related services.<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\"><strong>Insurance Mediation<\/strong><\/td><td class=\"column-2\">Collection and analysis of data for underwriting insurance products, where the Bank acts as a mediator with the insurance company.<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\"><strong>Proof of Information or Instructions Transmitted by Telephone<\/strong><\/td><td class=\"column-2\">Recording of calls\/video calls as a means of proving information or instructions transmitted in the context of a pre-contractual relationship (e.g. proof of identity of the holder) or instructions transmitted in the context of a contractual relationship.<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\"><strong>Quality of Service Monitoring<\/strong><\/td><td class=\"column-2\">Call recording for direct monitoring of the quality of service provided to the customer.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-14 from cache -->\n<ul><\/ul>\n<ul>\n<li>Compliance with legal obligations in terms of combating money laundering or terrorist financing;<\/li>\n<\/ul>\n\n<table id=\"tablepress-15\" class=\"tablepress tablepress-id-15\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Crime Prevention, Money Laundering and Terrorist Financing<\/strong><\/td><td class=\"column-2\">Checking lists of persons and entities subject to financial or commercial sanctions, or identifying and reporting suspicious operations.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Providing Information and Responding to Requests from Public Authorities<\/strong><\/td><td class=\"column-2\">Provision of mandatory information (prudential and other) and to various requests from sector regulators (e.g. Bank of Portugal, European Central Bank), public authorities (e.g. Courts, Police, AT), external auditors, or under The Foreign Account Tax Compliance Act, 2010 (FATCA) or the Common Reporting Standard (CRS).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-15 from cache -->\n<ul><\/ul>\n<ul>\n<li>Compliance with other legal or regulatory obligations;<\/li>\n<\/ul>\n\n<table id=\"tablepress-16\" class=\"tablepress tablepress-id-16\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Risk Management<\/strong><\/td><td class=\"column-2\">Credit risk analysis, or verification of identity and age.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Fraud Prevention<\/strong><\/td><td class=\"column-2\">Detection, analysis and response to potential fraud events, in particular those related to remote operations (e.g. debit or credit card transactions, Internet Banking).<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Accounting and Financial Reporting<\/strong><\/td><td class=\"column-2\">Accounting records, production and disclosure of the Bank's financial statements.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Document Archive Management<\/strong><\/td><td class=\"column-2\">Collection, classification and storage of physical documents with personal data in the document archive, which constitute mandatory evidence in the context of the Bank's activity.<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Video surveillance<\/strong><\/td><td class=\"column-2\">Video surveillance of the Bank's physical premises to gather evidence in the event of a break-in or fraud, or to verify withdrawals or deposits.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-16 from cache -->\n<ul><\/ul>\n<ul>\n<li>Complaints management;<\/li>\n<\/ul>\n\n<table id=\"tablepress-17\" class=\"tablepress tablepress-id-17\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Example<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Contact and Complaints Management<\/strong><\/td><td class=\"column-2\">Receiving, analyzing and responding to customer inquiries and complaints.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>CManagement Control<\/strong><\/td><td class=\"column-2\">Production of control and management information for the Bank.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Management and Security of Information Systems and Facilities<\/strong><\/td><td class=\"column-2\">Processes for managing and monitoring information systems and technological infrastructures, recording events involving access to and use of systems, processes for detecting, analyzing and responding to potential information security incidents, controlling identities and access to the Bank's information systems, or controlling physical access to facilities.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-17 from cache -->\n<ul><\/ul>\n<ul>\n<li>Litigation management;<\/li>\n<\/ul>\n\n<table id=\"tablepress-18\" class=\"tablepress tablepress-id-18\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>FPurpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Credit Risk Management<\/strong><\/td><td class=\"column-2\">Consultation and exchange of data with credit information systems to determine solvency and default risks when granting credit to clients.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Litigation Management<\/strong><\/td><td class=\"column-2\">Exercise of contractual or legal rights and defense in the event of judicial or extrajudicial disputes arising, in particular in situations of delay or breach of obligations of any nature of the data subject towards Banco BNI Europa.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-18 from cache -->\n<ul><\/ul>\n<ul>\n<li>Internal and external audit;<\/li>\n<\/ul>\n\n<table id=\"tablepress-19\" class=\"tablepress tablepress-id-19\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Management Control<\/strong><\/td><td class=\"column-2\">Production of control and management information for the Bank.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Internal Audit<\/strong><\/td><td class=\"column-2\">Data collection and analysis in the context of internal auditing of the Bank's processes and operations.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-19 from cache -->\n<ul><\/ul>\n<ul>\n<li>Securitization and assignment of credit;<\/li>\n<\/ul>\n\n<table id=\"tablepress-20\" class=\"tablepress tablepress-id-20\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Example<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Assignment of Credits<\/strong><\/td><td class=\"column-2\">Collection and analysis of data and provision of information to third parties in the context of credit securitization operations.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-20 from cache -->\n<ul><\/ul>\n<ul>\n<li>Profiling;<\/li>\n<\/ul>\n\n<table id=\"tablepress-21\" class=\"tablepress tablepress-id-21\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Direct Marketing<\/strong><\/td><td class=\"column-2\">Provision of information or campaigns, by telephone, SMS or e-mail, to stimulate the use or promote the purchase or subscription of financial products and services for Customers, which may be the result of customer profiling or events generated by real-time analysis of the Customer's transactions with the Bank.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Profiling<\/strong><\/td><td class=\"column-2\">The Bank processes customers' personal data in order to define their profile of use of our products and services and to assess their propensity to use them.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Customer segmentation<\/strong><\/td><td class=\"column-2\">Customer characterization and segmentation, in order to better target and tailor the Bank's commercial offer of products and services to the specific characteristics of its customers.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-21 from cache -->\n<ul><\/ul>\n<ul>\n<li>Carrying out market research, evaluation surveys and statistical analysis;<\/li>\n<\/ul>\n\n<table id=\"tablepress-22\" class=\"tablepress tablepress-id-22\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Purpose of treatment<\/strong><\/td><td class=\"column-2\"><strong>Examples<\/strong><\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Evaluation of Satisfaction and Quality of Service<\/strong><\/td><td class=\"column-2\">Carrying out questionnaires to assess customer satisfaction with the Bank's products or services and the quality of the services provided, or sending proposals to change the conditions of products and services purchased or subscribed to by customers.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Product and Service Development<\/strong><\/td><td class=\"column-2\">Collection and analysis of data for the development or adaptation of new Bank products and services, with the aim of better serving the specific needs of customers.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Market research<\/strong><\/td><td class=\"column-2\">Collection and analysis of personal data in the context of studies or market analysis.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Personalize the Experience on the Bank's Websites and Applications<\/strong><\/td><td class=\"column-2\">Use of persistent cookies to record customer activity and preferences on the Bank's websites.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-22 from cache -->\n<ul><\/ul>\n<p>For the purposes identified above, Bank BNI Europa may interconnect the data collected in order to update and complete such data.<\/p>\n<p>Other processing of personal data may also be carried out when prior, express consent has been obtained through explicit, informed and free action.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What are automated decisions and profiling?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"7\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"7\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>In order to analyze credit risk and assess customer solvency, Bank BNI Europa uses statistical techniques and customer segmentation (profiling), using data collected from their holders, which are included in the bank&#8217;s database or collected from third parties, such as the type of products subscribed, the credit operations contracted, the level of default recorded, etc. In addition, Banco BNI Europa makes use, in accordance with the law, of the data contained in the Central Credit Register of Bank of Portugal. By their very nature, these technologies may imply exclusively automated decision making, particularly when contracting loans through digital channels.<\/p>\n<p>However, the data subject may contest the automated decision and request its assessment through human intervention and may submit additional information and documentation to this end.<\/p>\n<p>Bank BNI Europa also uses statistical techniques and customer segmentation (profiling) to tailor its offer to its customers and to carry out direct marketing actions, using the data identified above.<\/p>\n<p>It should also be noted that these technologies are also used to comply with legal requirements, particularly with regard to the prevention of money laundering and terrorist financing.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Who do we share your data with?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"8\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"8\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>The data collected and held by Bank BNI Europa may be transmitted, with respect for the duty of confidentiality and the principle of the purpose for which it was collected, to the following entities:<\/p>\n<ul>\n<li>Entities of the group in which Bank BNI Europa is included with the aim of providing banking and financial services;<\/li>\n<li>Entities that manage credit risk centers, whether public or private;<\/li>\n<li>Central de Responsabilidades de Cr\u00e9dito do Banco de Portugal, relativamente a responsabilidades efetivas ou potenciais decorrentes de opera\u00e7\u00f5es de cr\u00e9dito de que seja benefici\u00e1rio o titular dos dados, nos termos da lei;<\/li>\n<li>Ag\u00eancias de an\u00e1lise de cr\u00e9dito e preven\u00e7\u00e3o de fraude;<\/li>\n<li>Autoridades judiciais ou administrativas, nos casos em que tal ced\u00eancia seja obrigat\u00f3ria;<\/li>\n<li>Organiza\u00e7\u00f5es, incluindo companhias de seguros que tenham contratos com o Grupo em que o Banco BNI Europa est\u00e1 inserido para presta\u00e7\u00e3o de servi\u00e7os, promo\u00e7\u00f5es ou ofertas;<\/li>\n<li>Entidades que prestem servi\u00e7os de solvabilidade a institui\u00e7\u00f5es de cr\u00e9dito;<\/li>\n<li>Empresas de cobran\u00e7as de cr\u00e9ditos caso se revele necess\u00e1ria a recupera\u00e7\u00e3o de valores em d\u00edvida ao Banco BNI Europa;<\/li>\n<li>Autoridades legais e de supervis\u00e3o sempre que o Banco BNI Europa tenha, por lei, esse dever;<\/li>\n<li>Outras institui\u00e7\u00f5es de cr\u00e9dito e de servi\u00e7os financeiros, nomeadamente entidades financeiras adstritas ao sistema de interc\u00e2mbio de informa\u00e7\u00e3o banc\u00e1ria (Swift) e fornecedores de servi\u00e7os de pagamento.<\/li>\n<li>Subcontratantes que proceder\u00e3o ao tratamento dos dados por conta do Banco BNI Europa e de acordo com as finalidades por este determinadas, nomeadamente quando tal se mostre necess\u00e1rio ou conveniente para lhe oferecer servi\u00e7os servi\u00e7os comercializados pelo Banco BNI Europa, para o cumprimento das obriga\u00e7\u00f5es pr\u00e9-contratuais ou contratuais, realiza\u00e7\u00e3o de estudos de mercado, inqu\u00e9ritos de avalia\u00e7\u00e3o ou an\u00e1lises estat\u00edsticas, e ;<\/li>\n<li>Qualquer entidade com a qual o Banco BNI Europa negoceie a cess\u00e3o de cr\u00e9ditos.<\/li>\n<\/ul>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">How do we use your data to contact you about our products and services?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"9\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"9\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Bank BNI Europa may use your data to inform you of products and services that it considers to be of interest to you, provided that you have given your consent. This disclosure may continue even after your relationship with BNI Europa has ended.<\/p>\n<p>Contacts may be made via automatic calling machines, fax machines, email, SMS, MMS, or other means that allow messages to be received independently of the recipients&#8217; intervention, unless you have instructed us otherwise.<\/p>\n<p>You can object at any time to the processing of your data for direct marketing purposes by writing to the email address of the Data Protection Officer.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What are your rights?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"10\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"10\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>In accordance with the applicable legislation, the data subject has the following rights:<\/p>\n<ul>\n<li><strong>Right of access:<\/strong> The right to obtain information regarding the category of personal data collected, what processing it is subject to and for what purposes, to which entities the data is transmitted, applicable retention periods and other related information;<\/li>\n<li><strong>Right to rectification:<\/strong> The right to request the rectification of inaccurate or incomplete personal data;<\/li>\n<li><strong>Right to erasure (or forgetting):<\/strong> The right to have your personal data deleted when it is no longer used for the purposes for which it was collected or when your consent is withdrawn, without prejudice to the retention periods imposed by applicable legislation and regulations;<\/li>\n<li><strong>Right to restriction of treatment:<\/strong>The right to request the restriction of data processing, when (i) the accuracy of the personal data is contested, (ii) the processing is unlawful and the data subject opposes the erasure of the data, (iii) Banco BNI Europa no longer needs the data for processing, but it is requested by the data subject, and (iv) if the data subject has opposed the processing and until it is verified that Banco BNI Europa&#8217;s legitimate reasons override the data subject&#8217;s right;<\/li>\n<li><strong>Right to portability:<\/strong> The right to receive personal data concerning you that you have provided to Banco BNI Europa in a structured, commonly used and machine-readable format and to transmit it to another data controller;<\/li>\n<li><strong>Right to object:<\/strong> Right to object to the processing of data for direct marketing purposes;<\/li>\n<li><strong>Right to refuse automated decisions:<\/strong> The right not to be subject to decisions based exclusively on automated processing, including profiling, which produce effects in your legal sphere.<\/li>\n<\/ul>\n<p>The exercise of any of these rights can be requested from our Data Protection Officer.<\/p>\n<p>The data subject also has <u>the right to complain to the CNPD or another supervisory body, namely in the European Union member state of their residence<\/u> in matters relating to the exercise of rights and the protection of personal data, without prejudice to recourse to any other administrative or judicial remedy.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">How long is your data stored?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"11\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"11\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>The period of time for which data is stored and kept varies according to the purpose for which the information is processed. Whenever there is no specific legal requirement, the data will be stored and kept only for the minimum period necessary for the purposes for which it was collected or subsequently processed, or for the period of time authorized by the National Data Protection Commission, after which it will be deleted.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Is your data processed securely?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"12\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"12\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Bank BNI Europa is committed to protecting the security of your data. To this end, it has adopted a number of technical and organizational security measures in order to protect the personal data you provide against its dissemination, loss, misuse, alteration, unauthorized processing or access, as well as against any other form of unlawful processing. Banco BNI Europa requires its subcontractors and partners to adopt security measures equivalent to those it practices.<\/p>\n<p>Notwithstanding the security measures practiced by Bank BNI Europa, the user must adopt additional security measures, namely ensuring that he\/she uses equipment and a browser that is up-to-date in terms of security, properly configured, with an active firewall, antivirus and anti-spyware, and making sure that the sites he\/she visits on the Internet are authentic, avoiding websites whose reputation he\/she does not trust.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Comunications<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"13\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"13\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Bank BNI Europa acknowledges that it may communicate personal data in the context of mergers, acquisitions and\/or incorporation processes in which it is involved. Such communication shall not be considered as a transfer of data to third parties, nor shall there be any subcontracted processing.<\/p>\n<p>Bank BNI Europa may also transmit data to third parties in the context of investigations, inquiries and judicial and\/or administrative proceedings or of a similar nature, provided that it is duly ordered to do so by a court order.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Data transfer<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"14\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"14\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Bank BNI Europa will transfer data to third countries that do not belong to the European Union or the European Economic Area only in cases permitted by law. Transfers outside the European Union may occur when this is necessary for (i) the execution of orders or requests (e.g. transfer of payment abroad), (ii) by legal requirement, or (iii) with the express authorization of the data subject. In the event that it is necessary to use service providers from third countries, Banco BNI Europa will ensure that these entities comply with all legal obligations in terms of data protection and will process the data in accordance with Bank BNI Europa&#8217;s prior and documented instructions.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">Changes to the Privacy Policy<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"15\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"15\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Bank BNI Europa reserves the right to make adjustments or changes to this Privacy Policy at any time, and such changes will be duly published on the websites.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"faqs-border-bottom\" data-wow><\/div>\n    <\/div>\n<\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"faqs \">\n    <div class=\"faqs-container\" data-faq-container>\n                    <p class=\"title\" data-wow>Cookies Policy<\/p>\n        \n                    <p class=\"description\" data-wow>Reading this policy is important, as by continuing to browse our website you agree to the use of cookies in your browser and devices used, unless you have disabled them.<\/p>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What are cookies?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"0\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"0\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>Cookies are small software tags that are stored on your computer or other devices you use to access the internet via your browser.<br \/>\nFind out more about cookies at:<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\" allaboutcookies.org\"> allaboutcookies.org<\/a>.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What is the purpose of cookies?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"1\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"1\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>The purpose of using cookies is to improve the user&#8217;s browsing experience by increasing the speed and efficiency with which websites respond. It eliminates the need to repeatedly enter the same information and helps determine the usefulness, interest and number of uses. Each cookie has a function and an expiration date.<\/p>\n<p>Bank BNI Europa will not, without prior consent, use data stored in cookies in cases where this is required.<\/p>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">What cookies are used on the website?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"2\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"2\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>This website uses proprietary and third party cookies. Third party cookies differ from the first in that they are sent to the user&#8217;s device from a device or domain that is not under the direct control or management of Banco BNI Europa.<\/p>\n<p>Cookies can be classified as follows:<\/p>\n<ul>\n<li><strong>Essential cookies <\/strong>\u2013 They are essential for accessing specific areas of the website. They allow navigation on the website and use of its applications, as well as access to secure areas via login. These cookies do not collect information about the user that can be used for marketing purposes or to identify user visits to websites. Without them, certain services cannot be provided.<\/li>\n<li><strong>Analytical cookies <\/strong>\u2013 They make it possible to analyze how users use the website, highlighting articles or services that may be of interest to them, monitoring its performance and knowing which pages are the most popular. These cookies are only used for the purposes of statistical creation and analysis.<\/li>\n<li><strong>Functional cookies <\/strong>\u2013 They make it possible to remember the user&#8217;s preferences when browsing the site. This way, the user doesn&#8217;t need to reconfigure and personalize it each time they visit.<\/li>\n<li><strong>Advertisement cookies <\/strong>&#8211; It allows advertising to be targeted according to the interests and usage habits of each user on and off our website. These cookies are used to support more targeted marketing and communication actions, also helping to measure the effectiveness of advertising.<\/li>\n<\/ul>\n<p>With regard to their validity, the cookies used may also be:<\/p>\n<ul>\n<li><strong>Permanent cookies <\/strong> &#8211; They are stored at browser level and on your access devices (e.g. computer, mobile and tablet) and are used whenever you visit the website again. In general, they are used to direct browsing according to the user&#8217;s interests, allowing Banco BNI Europa to provide a more personalized service.<\/li>\n<li><strong>Session cookies <\/strong>&#8211; They are generated and available until the session is closed. The next time the user accesses their browser, the cookies will no longer be stored. The information obtained makes it possible to manage sessions, identify problems and provide a better browsing experience.<\/li>\n<\/ul>\n<\/div>\n                    <\/div>\n                                            <div class=\"repeater_item\" data-wow>\n                                    <div class=\"faq-question\"><div class=\"question\">How can I disable the use of cookies?<\/div><\/div>\n                                    <div class=\"faq-toggler\" data-faq-toggler=\"3\">\n                        <svg width=\"17\" height=\"18\" viewBox=\"0 0 17 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M9.08036 15.8002V0.695455H8.37366V15.8002L1.02399 8.52624L0.529297 9.01348L8.72701 17.0879L16.9247 9.01348L16.43 8.52624L9.08036 15.8002Z\" fill=\"white\"\/>\n                        <\/svg>\n                    <\/div>\n                    <!--<img decoding=\"async\" class=\"js-faq-toggler\" src=\"\/dist\/images\/template-2024\/white-arrow.png\" alt=\"\">-->\n                <\/div>\n                                    <div class=\"faq-answer\" data-faq-answer=\"3\">\n                        <div class=\"inner-faq-answer\" data-inner-faq-answer><p>You can block or restrict the use of cookies through the settings of the browsers you use, and on each device you use to access the Internet.<br \/>\nBy limiting the use of cookies, you can make the browsing experience more difficult and, ultimately, prevent you from logging in to the site, or the operation of services provided online.<\/p>\n<ul><\/ul>\n\n<table id=\"tablepress-23\" class=\"tablepress tablepress-id-23\">\n<tbody>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><strong>Google Chrome<\/strong><\/td><td class=\"column-2\">You have full control over cookie permissions in Google Chrome. By default, all cookies are allowed, but you can adjust this setting. If cookies have been set or blocked on the page you are viewing, an icon is displayed at the end of the address bar.<\/li><\/ul> <br \/>\n1. In the top right-hand corner (in the three dots), select \u201cSettings\u201d;<\/li><br \/>\n2. Click on \u201cPrivacy and Security\u201d > Third-party cookies;<\/li><br \/>\n3. Select an option<\/li><br \/>\n<ul><li>Allow third-party cookies;<\/li><li>Block third-party cookies in incognito browsing;<\/li><li>Block third-party cookies<\/li><\/ul><br \/>\nFor more information on cookie settings in Google Chrome, see the page <a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"https:\/\/support.google.com\/chrome\/answer\/95647?hl=pt&amp;topic=14666&amp;ctx=topic\">Chrome Help<\/a>.<\/td>\n<\/tr>\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Microsoft Edge<\/strong><\/td><td class=\"column-2\">Activate cookies:<br \/>\n<ul><li>Select Menu (3-dot icon in the top right corner of the browser);<\/li><li>Click on \u201cSettings\u201d > \u201cCookies and website permissions\u201d, then \u201cManage and delete website cookies\u201d;<\/li><li>Enable the option \u201cAllow websites to store and read cookie data (recommended)\u201d to unblock cookies.<\/li><\/ul><br \/>\nDisable cookies:<br \/>\n<ul><li>Select \u201cMenu\u201d (3-dot icon in the top right corner of the browser);<\/li><li>Click on \u201cSettings \u2018 > \u2019Cookies and site permissions\u201d, then \u201cManage and delete cookies from websites\u201d;<\/li><li>Enable the \u201cBlock third-party cookies\u201d option or add the desired websites in the \u201cBlock\u201d section to block cookies.<\/li><\/ul><br \/>\nFor more information on Internet Explorer cookie settings, see the<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"<br \/>\nhttp:\/\/windows.microsoft.com\/pt-PT\/windows-vista\/Block-or-allow-cookies\">Microsoft<\/a>.<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Microsoft Internet Explorer<\/strong><\/td><td class=\"column-2\">Enable cookies:<br \/>\n<ul><li>Click on the gear symbol, then \u201cInternet Options\u201d;<\/li><li>In the \u201cPrivacy\u201d tab, select \u201cSettings\u201d, then \u201cAdvanced\u201d;<\/li><li>Choose \u201cAllow\u201d.<\/li><\/ul><br \/>\nDisable cookies:<br \/>\n<ul><li>Click on the gear symbol and choose \u201cInternet Options\u201d;<\/li><li>Select the following \u201cPrivacy\u201d tab;<\/li><li>Move the bar to the top, where the message \u201cBlock all cookies\u201d will appear; select it.<\/li><\/ul>.<br \/>\nFor more information on Internet Explorer cookie settings, see the<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"<br \/>\nhttp:\/\/windows.microsoft.com\/pt-PT\/windows-vista\/Block-or-allow-cookies\">Microsoft<\/a>.<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Mozilla Firefox<\/strong><\/td><td class=\"column-2\">Enable cookies: <br \/>\n<ul><li>Click on the \u201cTools\u201d menu (3 dots icon in the top right corner of the browser);<\/li><li>Select \u201cOptions\u201d<\/li><li>Click on the \u201cPrivacy\u201d icon in the top panel<\/li><li>In the \u201cCookies\u201d section choose \u201cAccept Cookies\u201d;<\/li><li>Click on \u201cOK\u201d to save the settings and close<\/li><\/ul>.<br \/>\nDisable cookies:<br \/>\n<ul><li>Select the \u201cTools\u201d menu (3 dots icon in the top right corner of the browser);<\/li><li>Select \u201cOptions\u201d<\/li><li>Click on the \u201cPrivacy\u201d icon in the top panel<\/li><li>In the \u201cCookies\u201d section, disable the \u201cAccept Cookies \u2018 option;<\/li><li>Click on \u2019OK\u201d to save the changes and close<\/li><\/ul>.<br \/>\nFor more information on cookie settings in Mozilla Firefox, see the page<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"https:\/\/support.mozilla.org\/pt-PT\/kb\/ativar-e-desativar-cookies-que-os-websites-utiliza\">Mozilla Support<\/a>.<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Safari<\/strong><\/td><td class=\"column-2\">Enable cookies:<br \/>\n<ul><li>Go to Settings;<\/li><li>Select \u201cSafari\u201d > \u201cPreferences\u201d;<\/li><li>Disable the \u201cBlock all cookies\u201d option.<\/li><\/ul><br \/>\nDisable cookies:<br \/>\n<ul><li>Go to Settings;<\/li><li>Select \u201cSafari\u201d > \u201cPreferences\u201d;<\/li><li>Disable the \u201cBlock all cookies\u201d option.<\/li><\/ul><br \/>\nFor more information on cookie settings in Safari, see the<a style=\"border-bottom: none; margin: 0; border-radius: none; display: initial; color: #FF3B32;\" href=\"<br \/>\nhttps:\/\/support.apple.com\/pt-pt\/HT201265\">Apple<\/a>.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-23 from cache -->\n<\/div>\n                    <\/div>\n                                            <div class=\"faqs-border-bottom\" data-wow><\/div>\n    <\/div>\n<\/div>[\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"content\" data-wow>\n    <div class=\"content-container\" data-wow>\n                                    <div class=\"default-text\" data-wow>\n                    <\/p>\n<div style=\"max-width: 1200px; padding: 0 24px; margin: 0 auto;\" data-wow>\n<p data-wow>Version 2. Last updated in May 2019<\/p>\n<\/div>\n<p data-wow>\n                <\/div>\n                                    <\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-template-2024.php","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"page_base_color":[446],"class_list":["post-18066","page","type-page","status-publish","hentry","page_base_color-laranja-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Privacy and Cookies Policy | BANCO BNI EUROPA<\/title>\n<meta name=\"robots\" content=\"index, follow, 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