Cookies Policy

About Cookies

• What are cookies?

  "Cookies" are small text files transmitted and stored on your computer, phone, or any other device used by you when you visit a website. They are installed through  the request issued by a web server to your browser (eg Google Chrome, Mozilla Firefox, Internet Explorer, etc.). 

  In the case of www.crediteurope.ro, cookies have a predefined time life, which may vary from a few minutes (the duration of a browsing session) to up to 2 years. Files do not contain software, viruses, or spyware and will not access the information stored on the hard drive of your computer, phone, or any other device that you use to access the website.

• How do we use cookies?

  We use cookies to improve your browsing experience.

  Users often lose valuable time searching for information on webpages. With cookies, we mark the pages we look for, so we can improve and customize content, according to the interests of the users. Thus, web content becomes relevant to your searches, shortening your access to information and improving your browsing experience.

  Also, for simplifying browsing experience, we store your browsing preferences through these files so that no additional settings are required for a subsequent visit.

  Using these files, allows us to collect anonymous statistical data about how users browse the www.crediteurope.ro website. This data later helps us to develop new functionalities of existing products or to launch new products according to your needs.

  These files also help us monitor any errors that occur in the use of www.crediteurope.ro. Based on the feedback we receive through cookies, we can continually improve the website's technical performance, including page-load speeds.

  If you want to apply for one of our products or services using a form available online at www.crediteurope.ro, you should know that your personal data is transmitted to the bank in a secure way along with the data provided by the cookies, so we can identify your interest in our products.

• What is the life of cookies?

  Depending on the purposes listed above, the validity of these files may vary significantly.

  So-called "session cookies" are only valid for your visit on www.crediteurope.ro and will be automatically deleted when you close your browser.

  There are also persistent or fixed Cookies that remain on your computer, phone or device for a predetermined period (which can vary from a few minutes to a few years), such as, for example, cookies that retain your settings when using the website from one session to another. In the case of www.crediteurope.ro, the maximum storage period is 2 years, but the user can always delete them if they wish.

  However, to check, at any time, the validity period of the cookies, we recommend that you check the websites of the providers, which are detailed below, as the Bank is not responsible for changing their conditions and policies. You can control the types of cookies, including deleting them from your device, according to the details below.

• What are cookies placed by third parties?

  Certain services related to content optimization and website performance are provided by third-party companies such as Google, Facebook, HotJar, LinkedIn, etc. To improve the performance of www.crediteurope.ro, we use "third party cookies" from these companies so that their optimization services can be implemented correctly. To improve the performance of www.crediteurope.ro, we use "third party cookies" from these companies, so that their optimization services can be implemented correctly. This is the case for cookies for analysis and for online marketing and advertising. Any such third party company has its own policy for processing personal data and using cookies and, at the same time, may use its own settings and technologies to collect information about users' online activities.

  Please also consult the details provided by these providers, as the way they process data is detailed by them. In order to offer you the best interaction with the Credit Europe Bank website, we use the services below. You can check and change your settings at any time, in the "Update cookie policy" section.

  1. Google Analytics

  Google Analytics is a web analytics service provided by Google that tracks and reports website traffic, including the duration of visits made by users, the pages visited, the sources of traffic, and the actions taken on the site. The cookies used by Google Analytics are first-party cookies (to quantify and report statistics about user interactions on websites and/or applications that use Google Analytics) and advertising cookies (used to enable features such as remarketing on the Google Display Network). The company providing the service: Google Ireland Ltd. Gordon House, Barrow Street, Dublin 4, Ireland. More information about the use of cookies associated with Google Analytics, as well as Google's privacy and data security policy can be found here and here.

  2. Google Ads and Google Marketing Platform

  Google Ads and Google Marketing Platform are online marketing and advertising platforms developed by Google, which offer companies and advertising agencies the opportunity to display paid advertisements on the Google ad network. Google Ads and Google Marketing Platform use advertising cookies in order to serve relevant advertisements to users and to improve the performance of advertising campaigns.

  The company providing the services: Google Ireland Ltd. Gordon House, Barrow Street, Dublin 4, Ireland. More information about the cookies used by Google and their management in the browser can be found here. More information about the Google Marketing Platform and the use of cookies by DoubleClick can be found here.

  More details on the use of cookies and Privacy Policy can be found here.

  3. Hotjar

  Hotjar is a service for analyzing online user behavior, using tools such as Heatmaps, opinion polls, conversion funnels. Hotjar uses analytics cookies to allow website owners to improve their website functionality and provide the best user experience.

  Company providing the services: Hotjar Ltd, Level 2, St Julians Business Centre, 3, Elia Zammit Street, St Julians STJ 3155, Malta, Europe. More information about Hotjar's data protection policy and how Hotjar uses cookies can be found here and here.

• What kind of cookies are we using?

  By accessing the website www.crediteurope.ro you agree and allow the installation of the following cookies:

  Essential cookies - necessary for this website to function properly and which for this reason cannot be disabled. A detailed presentation of the Cookies strictly necessary for the functioning of the website can be found below:

  STRICTLY NECESSARY COOKIE MODE

  Cookie name	Cookie information	Time period	Platform
  _SESS	This cookie is used to track a user's session, to maintain a logged in state.	Session cookie – Until the browser is closed	Credit Europe Bank
  PHPSESSID	This cookie is auto-generated by the server in the form of a random number and is used to keep the user logged in while browsing different pages.	Session cookie – Until the browser is closed	Credit Europe Bank
  cookie-consent-settings	Necessary for accepting the bank's cookie policy.	30 days	Credit Europe Bank
  _GRECAPTCHA	This cookie is used by reCAPTCHA to identify bots and protect the site against spam attacks. More details can be found here.	Session cookie – Until the browser is closed	Google
  NID	This cookie is used to store user preferences for future visits. More details can be found here.	6 months	Google
  CONSENT	This cookie is used to store user choices regarding cookies. More details can be found here.	2 years	Google

  User Analytics Cookies - these cookies track whether your visit is new or recurring, depending on your website visit frequency. The purpose is statistical, with data being anonymous. Additionally, based on visit type and browsing history on www.crediteurope.ro, web content may vary to match your interests.

  USER ANALYTICS COOKIE MODULE

  Cookie name	Cookie Infomations	Time period	Platform
  _ga	This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in every page request and is used for calculating user data, sessions, and campaigns for website analytics reports. More details can be found here.	2 years	Google Analytics, Google Ads
  _ga_72RRRT63CE	This cookie is used to identify and track an individual session on a device. More details can be found here.	1 minute	Google Analytics
  _gat/ _dc_gtm_<property-id>/ _gat_UA_2819881_1	This cookie is used to throttle request rates, limiting data collection on high-traffic websites. More details can be found here.	1 minute	Google Analytics
  _gid	This cookie is used to distinguish users and generate statistical data. More details can be found here.	24 hours	Google Analytics, Google Ads
  _utma, _utmt, _utmb, _utmc, _utmz	These cookies are associated with Google Analytics and allow collecting information on how users interact with the website. They determine new/returning visits, session duration, visited pages, and traffic sources. The cookies collect data anonymously without storing any personal information. These cookies help improve website content and functionality to better serve users. More details can be found here.	_utma – 2 years, _utmt – 10 minutes, _utmb – 30 de minutes, _utmc – until de browser session ends _utmz – 6 months	Google Analytics
  _hjIncludedInSample	Session cookie set to inform Hotjar if the user is included in an audience sample. More details can be found here.	365 days	Hotjar
  _hjid	This cookie is set when a user first lands on a page with the Hotjar script. It ensures that future visits are attributed to the same unique User ID. More details can be found here.	365 days	Hotjar
  _hjRecordingLastActivity	Stored in sessionStorage. Updated when user recording starts (e.g., when Hotjar records an action). More details can be found here.	Session cookie – Until the browser is closed	Hotjar
  _GRECAPTCHA	This cookie is used by reCAPTCHA to identify bots and protect the website against spam attacks. More details can be found here.	Session cookie – Until the browser is closed	Google
  NID	This cookie is used to store the user’s preferences for future website visits. More details can be found here.	6 months	Google
  CONSENT	This cookie is used to store the user’s choices regarding cookies. More details can be found here.	2 years	Google
  cookie-consent-settings	Necessary to accept the bank's cookie policy.	30 days	Credit Europe Bank

   

  Geortargeting Cookies – These cookies identify the country and city from which www.crediteurope.ro is visited to display relevant content for users in a specific geographic area;

  GEOTARGETING COOKIE MODULE

  Cookie name	Cookie information	Time period	Platform
  location	This cookie saves the user’s location to provide appropriate information on pages (e.g., the nearest ATM).	2 years	Credit Europe Bank

   

  Advertising Cookies - these cookies track whether a user has viewed an online advertisement, the type of ad, and the time elapsed since seeing it. They are used for online ad targeting. These cookies are anonymous, storing information about the viewed content rather than the user.

  ADVERTISING AND 3RD PARTY COOKIE MODULE

  Cookie name	Cookie information	Time period	Platform
  IDE, ANID, DSID, FLC, AID, TAID, exchange_uid	These cookies are associated with DoubleClick/Google Marketing Platform and are used for advertising. They enable the delivery of relevant ads to users by coordinating ads across devices and measuring conversion events. More details can be found here and here.	2 years	Google Marketing Platform - .doubleclick.net
  _gads, _gac_UA_2819881-1	These cookies are associated with Google and are used for serving advertisements. They help measure interactions with ads, prevent excessive ad displays, track user actions on-site after clicking ads, and measure conversions.. More details can be found here.	3 months	Google Ads
  _GRECAPTCHA	This cookie is used by reCAPTCHA to identify bots and protect the site against spam attacks. More details can be found here.	Session cookie – Until the browser is closed	Google
  NID	This cookie is used to store the user’s preferences for future website visits. More details can be found here.	6 months	Google
  cookie-consent-settings	Required for accepting the bank’s cookie policy.	30 days	Credit Europe Bank
  CONSENT	This cookie is used to store the user’s choices regarding cookies. More details can be found here.	2 years	Google
  lidc	This cookie is used by LinkedIn for routing. More details can be found here.	1 day	LinkedIn
  li_gc	Cookie used to store guest consent regarding the use of non-essential cookies. More details can be found here.	6 months	LinkedIn
  lang	This cookie is used by LinkedIn to remember the user’s language setting. More details can be found here.	Session cookie – Until the browser is closed	LinkedIn
  AnalyticsSyncHistory	Cookie used to store information regarding the date of a synchronization with the lms_analytics cookie. More details can be found here.	30 days	LinkedIn
  UserMatchHistory	Cookie used for LinkedIn Ads ID synchronization. More details can be found here.	30 days	LinkedIn
  bcookie	This cookie is used for browser ID identification. More details can be found here.	1 year	LinkedIn
  bscookie	Cookie used to store whether a logged-in user is verified through two-factor authentication. More details can be found here.	1 year	LinkedIn

• How to set up your browser so you can properly manage your cookies?

  The decision to keep or delete cookies belongs to each user. Before taking any action in this regard, we recommend that you take into account several aspects:

  • The purpose of cookies is to improve your browsing experience and to help us, through statistical data collected from your visit, to improve the products and services we offer.
  • These files do not pose a threat to your data security. They will not access or transmit any information stored on the hard drive of your computer or phone.
  • Their dimensions are negligible, not altering the performance of the computer or phone on which they are stored.
  • A possible deletion of these files could cause navigation difficulties on www.crediteurope.ro, limiting your content viewing capabilities.
  • We recommend that you do not delete these files, as deleting, disabling, or refusing to store them on your computer or phone will inevitably affect the way you browse the Internet, limiting the performance of the websites you visit. Additionally, you should know that deleting cookies does not eliminate future exposure to online advertising—it only means that advertising messages will no longer be tailored to your interests.
  • If you wish to manually manage these files, be aware that any browser can be configured to accept or reject cookies from a specific website. These settings are usually found in the "Options" section or the "Preferences" menu of the browser.

  In the unlikely situation that you are required, for various reasons, to delete your browsing history (for example, when a computer or phone is shared by multiple users, and keeping these files would negatively impact their user experience), you can set your browser to delete these files each time it is closed by following the instructions below:

  • Cookie settings in Internet Explorer
  • Cookie settings in Firefox
  • Cookie settings in Chrome
  • Cookie settings in Safari
  • Samsung Internet
  • Opera