Política de Cookies

Within the scope of its activity, UNICRE - Instituição Financeira de Crédito, S.A. ("UNICRE") collects on its websites, through cookiesIn order to improve the performance and experience of its users, it guarantees the security and privacy of browsing.

This Policy cookies explains what types of cookies used by UNICRE on its websites. It comprises the principles and guidelines necessary to ensure UNICRE's commitment to guaranteeing the privacy of user data on websites, safeguarding respect for the rights of data subjects obtained through cookies and ensuring compliance with the legal and regulatory requirements regarding the protection of personal data. This cookies is aligned with the strategy and the Privacy Policy.

**1. What they are cookies?**

Theookies are small text files with information that websites or applications install on the user's browser (Internet Explorer, Google Chrome, Firefox, Safari, etc.) or device (computer, smartphone, tablet) during their time browsing the pages of the website or application, storing information about their visit.

These files allow the website to "remember" your actions and preferences for a certain period of time, namely your username, the language you have chosen, the size of the characters and other visualisation settings. By using cookies, UNICRE ensures the proper prevention of any attempt at unauthorised access and the adequate protection of user data, all under the legally required terms.

The use of cookies will not only help the website recognise the user's device the next time they visit, but will often be essential for it to function correctly.

UNICRE is responsible for the cookies and the respective processing of the data obtained through the cookies used on the websites, deciding on the purpose, content and processing of the data collected. The information collected through cookies used on the websites may be processed by other entities to which UNICRE has assigned such responsibilities.

**2. What are the purposes behind the use of cookies?**

The cookies used on UNICRE websites do not collect personal information that allows users to be identified, but only retain generic information such as:

Form of user access;
History of pages visited;
Geography of access;
User preferences.

However, when you access your personal space on Homebanking, the cookies are associated with the user, allowing UNICRE to track the preferences of its users through the websites.

The cookies used on the websites have the following purposes, among others:

Record data from user devices, parameterise and prevent any unauthorised access;
Ensuring user privacy on private pages;
To collect statistical information to analyse the relevance of pages for users and increase the efficiency of the website;
Analysing the effectiveness of advertising and promotional campaigns;
To store marketing information and user preferences in order to provide you with a better experience at a later date.

UNICRE undertakes to use the information stored through cookies only for the purposes mentioned above.

**3. The user must accept the use of cookies?**

For the purposes of Law no. 41/2004, of 18 August, which transposes into national law Directive no. 2002/58/EC, of the European Parliament and of the Council, of 12 July, on the processing of personal data and the protection of privacy in the electronic communications sector, as amended by Law no. 46/2012, of 29 August, websites only resort to the use of cookies which are not strictly necessary for the provision by UNICRE of a service expressly requested by the user, subject to the user's prior express consent.

The user may refuse or withdraw consent at any time, under the terms better described in point 5 below of this Policy.

Without prejudice, the use of cookies is essential for the correct functioning of the websites as a whole, so its acceptance is recommended.

**4. What types of cookies used?**

In general, the cookies are used to improve the user's browsing experience, increasing the speed and efficiency of response. The cookies eliminate the need to repeatedly enter the same information and help determine that the advertising messages you see are relevant and match your interests, i.e. the usefulness, interest and number of uses of the website.

The cookies used on websites can be categorised according to their function and expiry date.

Regarding FUNCTION, the cookies used can be:

a. Strictly Necessary Cookies
b. Functional Cookies
c. Performance Cookies
d. Advertising Cookies
e. Social media cookies

You can check out the cookies that we use:

1. Website

You can manage consents for the use of cookies from the website via the following link: consents.

Regarding EXPIRY DATE, the cookies used can be:

a) Cookies permanent:

They are stored on your access devices (computer, mobile phone/smartphone or tablet), at browser level, and are used whenever you visit the website again. In general, they are used to direct browsing according to the user's interests, allowing UNICRE to provide a more personalised service.

b) Cookies session:

They are temporary; they are available until the session is closed. The next time the user accesses their web 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.

The cookies and the cookies only apply to the Website.

**5. How to activate / deactivate cookies?**

All Internet browsers allow the user to accept, refuse or delete cookiesby managing the settings in your browser.

The user can deactivate some or all of the cookiesat any time. To do this, you should follow the instructions below for managing cookies.

The deactivation of cookies does not grant any kind of anonymity or prevent certain websites from controlling your search habits.

If cookies are deactivated, some Internet services and, in this case, websites, may not function properly, affecting, partially or totally, the navigation on the websites and the experience with the same.

To manage the cookies on your device, look at the table of instructions for each of the browsers shown:

Google Chrome

Click on the "Settings" menu;
Click on "Privacy and security";
Select the "Cookies and other site data" option.

Internet Explorer

Click on the "Tools" menu;
Click on "Internet Options";
Select the "Privacy" tab;
Click on "Settings" and select the "Advanced" option.

Mozilla Firefox

Click on the "Settings" menu;
Select the "Privacy and Security" option.

Safari

Click on "Preferences".
Select the "Privacy" option.

NOTE: To manage this in other browsers, look in the browser's "help" menu or contact your browser provider.

If UNICRE uses other cookies in order to provide more and better services, the user will be duly informed.

6. Other similar tools

UNICRE may use on its websites, in addition to cookiesweb beacons (or GIFs). Web beacons are small sequences of code that provide a method of delivering a graphic image on a page with the aim of transferring the data back to the website. Particularly with regard to opening newsletters/emails they may, for statistical purposes, contain a small image that allows us to know if they are opened and to check clicks on links or adverts within the newsletter. We use information from web beacons for various reasons, including website traffic reports, user accounts, advertising and email audits and personalisation. The user always has the possibility to deactivate the sending of the newsletter/email via the specific option in the footer of the newsletter/email.