Cookies policy
Our website uses technology to collect information about its use, to distinguish between user's, to help us provide you with a good experience and to allow us to improve the site and the service we offer. This means that when you visit our website, cookies or similar technologies will be placed on your computer or other device.
1. Data Controller
By way of this notice, Banco Santander S.A., a company registered with the Bank of Spain as number 0049, with registered offices in Santander, Paseo de Pereda, 9-12, Tax Identification Code (CIF): A-39000013, the owner of this website (hereinafter, “the Bank” or “the Publisher” interchangeably), informs visitors to the website or users of the application as appropriate (hereinafter, the Website or the App and the Users or the User respectively) about its cookie policy, so that they are aware of the cookies that will be used during their browsing through the Website or their use of the App and can give their consent to them.
2. What are cookies?
Cookies can be defined as any type of data storage and retrieval device used on a user's terminal equipment (computer/smartphone/tablet) that browses the internet for the purpose of storing information and retrieving previously stored information. Cookies can be installed either directly by the websites a user visits or by third parties with whom the website interacts. They allow the website to track user activity on that site or on other related sites, such as: location, connection time, device (desktop or mobile), operating system and browser, most visited pages, number of clicks, and other data regarding user behavior online.
For more information on how websites and apps use cookies, please visit https://www.allaboutcookies.org/es/.
3. Personal data protection
In certain circumstances, the use of data storage and retrieval devices on users' terminal equipment, such as cookies, may involve the processing of personal data. Such data processing will be legitimate provided that users of the Website or App have given their consent after being provided with clear and complete information about its use, in particular, about the purposes of the data processing, in accordance with personal data protection regulations.
For these purposes, it should be noted that the Cookie Policy (hereinafter, “Cookie Policy”) is complemented by the Privacy Policy of this Website or App: https://www.beyondwealth.com/es/es-privacy-statement.
4. Types of cookies
The categories of cookies that may be installed on the user's device are detailed below, according to their purpose, and considering that, according to the information in the table about each particular cookie, such cookies may be installed by the Site owner or by third parties.
4.1. Technical and strictly necessary cookies
These are cookies placed by the Publisher that are necessary for the proper functioning of the website or to provide a service requested by the user. In this sense, personalization or preference cookies are considered necessary, as they allow the website to remember information so that the user can access the service with certain characteristics that may differentiate their experience from that of other users, such as language or the number of results to display in a search.
Technical cookies include, for example, user interface customization cookies, those used by the Publisher to control traffic and data communication, identify the session, cookies for sharing content on social networks, etc.
As established in article 22.2 of the LSSI, consent is not required for its use.
4.2. Analytical or performance cookies
These cookies, which may be first-party or third-party, allow the Publisher to track and analyze user behavior when browsing the website or using its services. Thanks to them, the Publisher can determine which pages are most and least visited, how visitors navigate the site, and analyze navigation patterns, allowing for improvements based on this usage data. The information handled does not allow for the unique identification of individual users.
Among the analytical cookies used on this website are Google Analytics cookies. Google Analytics is a web analytics service provided by Google Ireland. Specifically, the use of Google Analytics allows the Publisher to monitor how visitors use the website, compile reports, and help improve the website.
If you consent to the installation of web analytics or performance cookies on your device, please note that Google Analytics cookies will be installed. The installation of these cookies may involve Google Ireland transferring data internationally to the United States, which could, in very isolated and specific cases, allow US authorities access to the data for investigative and national security purposes. However, in line with our high privacy compliance standards, we inform you that Google Ireland and its subcontractors in the United States have signed the Standard Contractual Clauses approved by the European Commission on June 4, 2021, as a safeguard mechanism recognized by the GDPR to protect the security of any data that may be transferred internationally. Furthermore, we have taken additional measures to protect the confidentiality and integrity of personal data.
4.3. Preference or personalization cookies
These cookies allow the website to provide enhanced functionality and personalization. They may be set by the Publisher or by third parties.
4.4. Behavioral advertising cookies
These are cookies that store information about user behavior obtained through continuous observation of browsing habits or behavior when using website services. This allows for the development of a specific profile to display targeted advertising. They also allow the website publisher to make improvements based on data analysis. The information handled does not allow for the unique identification of the user. These cookies can be placed on the website by either the publisher or a third party.
The following tables provide more detailed information about the cookies used on this website, categorized by type:
Technical Cookies
| Cookie | Owner | Duration | Expiry | Function |
|---|---|---|---|---|
| eZSESSID_SAMSESSID | Banco Santander S.A. | Session | Session | This cookie is necessary to ensure the basic functioning of the site and cannot be disabled. It allows access to restricted areas. |
| eZSESSID* | Banco Santander S.A. | Session | Session | This cookie is necessary to ensure the basic functioning of the site and cannot be disabled. It allows access to restricted areas. |
| OptanonConsent | Banco Santander S.A. | Persistent | 1 year | Used to Support cookies functionalities |
| OptanonAlertBoxClosed | Banco Santander S.A. | Persistent | 1 year | This cookie is set by websites that use certain versions of the OneTrust cookie compliance solution. It is set after visitors have seen a cookie information notice and, in some cases, only when they actively close the notice. It allows the website to not display the message more than once to a user. The cookie lasts for one year and contains no personal information. |
| nlbi | Banco Santander S.A. | Session | Session | Incapsula DDoS Protection and Web Application Firewall: Load balancing cookie. To facilitate action requests by a user to be sent to the same origin server |
| Incap_ses | Banco Santander S.A. | Session | Session | This cookie refers to HTTP requests associated to a specific session (AKA visit). Re-launching the browser and accessing the same site is identified as separate visits. To maintain the current sessions (i.e. Session Cookie) |
| Visid_incap | Banco Santander S.A. | Persistent | 1 year | Incapsula DDoS Protection and Web Application Firewall: The cookie on which sessions are related to a specific visitor (visitor representing a specific computer) In order to identify clients which have already visited Incapsula. |
| eupubconsent | Banco Santander S.A. | Persistent | 1 year | This cookie is used by the IAB Europe Transparency & Consent Framework to store the user's consent to the data collection Purposes. The cookie holds an encrypted consent string that vendors participating in the framework can read and determine the user's consent. |
| __cfduid | cookielaw.org | Persistent | 30 days | This host is used by OneTrust for hosting the Cookie Consent tool script. It is used to manage cookies on websites. |
| visid_incap_ | Banco Santander S.A. | Persistent | 1 year | Encapsulates DDoS Protection and Web Application Firewall: The cookie on which sessions are related to a specific visitor (visitor representing a specific computer)in order to identify clients which have already visited the site. |
| incap_ses_ | Banco Santander S.A. | Session | Session | Encapsulates DDoS Protection and Web Application Firewall: The cookie on which sessions are related to a specific visitor (visitor representing a specific computer)in order to identify clients which have already visited the site. |
| nlbi_####### | Banco Santander S.A. | Session | Session | Encapsulates DDoS Protection and Web Application Firewall: The cookie on which sessions are related to a specific visitor (visitor representing a specific computer)in order to identify clients which have already visited the site. |
| __utmvm | Banco Santander S.A. | Persistent | 900 seconds | Imperva uses Javascript classification along with Test cookies and CAPTCHA challenge for client classification and enables bot mitigation.Hence, disabling one of the tests would not imply that WAF stops performing client classification. Instead, we will use Javascript classification and CAPTCHA challenge to identify unknown Bots. |
| __utmva | Banco Santander S.A. | Persistent | 900 seconds | Imperva uses Javascript classification along with Test cookies and CAPTCHA challenge for client classification and enables bot mitigation.Hence, disabling one of the tests would not imply that WAF stops performing client classification. Instead, we will use Javascript classification and CAPTCHA challenge to identify unknown Bots. |
| __utmvb | Banco Santander S.A. | Persistent | 900 seconds | Imperva uses Javascript classification along with Test cookies and CAPTCHA challenge for client classification and enables bot mitigation.Hence, disabling one of the tests would not imply that WAF stops performing client classification. Instead, we will use Javascript classification and CAPTCHA challenge to identify unknown Bots. |
| __utmvc | Banco Santander S.A. | No-persistent | Session | Imperva uses Javascript classification along with Test cookies and CAPTCHA challenge for client classification and enables bot mitigation.Hence, disabling one of the tests would not imply that WAF stops performing client classification. Instead, we will use Javascript classification and CAPTCHA challenge to identify unknown Bots. |
| nlbi_XXXXXXX | Banco Santander S.A. | Session | Session | This cookie is used for load balancing to ensure that visitor page requests are routed to the same server in any browsing session. |
| incap_ses_xxxxxxxxxxxxxxxx | Banco Santander S.A. | Session | Session | This cookie name is associated with maintaining user's session state across page requests.Incapsula DDoS Protectiona and Web Application Firewall: cookie for linking HTTP requests to a certain session (AKA visit), re-opening the browser and accessing same site are registered as different visits, in order to maintain existing sessions (ie, session cookie). |
Analytical Cookies
| Cookie | Owner | Duration | Expiry | Function |
|---|---|---|---|---|
| _ga_xxxxxxxxxx | Banco Santander S.A. | 1 year | 1 year | To generate statistical data on how the visitor uses the Service. |
| _ga | Banco Santander S.A. | 1 year | 1 year | This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default it is set to expire after 2 years, although this is customisable by website owners. For more information about Google's processing of your personal data, please consult Google's <a href="https://business.safety.google/privacy/" rel="nofollow">Privacy & Terms</a> site. |
Personalization Cookies
| Cookie | Owner | Duration | Expiry | Function |
|---|---|---|---|---|
| ___utmvxxxxxxxxxxxxxx | Banco Santander S.A. | Session | Session | This cookie is used to store custom variable data at the visitor level in Google Analytics. It is used for segmenting visitors by custom dimensions.___utmv |
Third-Party Cookies: Below are details of the different types of third-party cookies that may be downloaded to your computer when using the Website. These cookies are sent to your device or terminal by a domain or server managed by a third party other than the Publisher, or they may be inserted by the Publisher but the information from them is processed by a third party. These cookies do not allow the Publisher to know the identity of users browsing the website. The use of information collected by third parties through these cookies is subject to their own privacy policies and the purpose of the cookies.
- YouTube: We use YouTube for video playback. For more information on how YouTube collects and processes data, please click on https://policies.google.com/technologies/cookies?hl=es&gl=es
- Ivoox: We use Ivoox to embed audio files on the website and as a repository for these audio files, in our case, podcasts. For more information on how we collect and process data, please click on https://www.ivoox.com/informacion-legal_il.html#cookies
- Google Maps: We use Google Maps to show the location of our offices worldwide. For more information on how we collect and process data, please click on: https://policies.google.com/privacy
5. What is the legal basis for the use of cookies?
Except for strictly necessary technical cookies that do not require the User's informed consent, the Publisher will only place cookies on the User's device with their prior informed consent. This consent can be given either by clicking the "Accept all cookies" button or by configuring the cookie settings panel provided by the Publisher the first time the User accesses the Website or App.
6. Can you revoke your consent?
Once cookies are installed, the user may at any time choose to revoke their consent and delete them. To do so, they can either:
- Use the content and privacy settings available in the browser you are using while browsing the web. Depending on the type of browser you use, the procedure for revoking and deleting cookies could be, for example, one of the following:
- Firefox: http://support.mozilla.org/es/home
- Internet/Explorer: http://support.microsoft.com/ph/807/es-es
- Safari: http://support.apple.com/kb/HT1677?viewlocale=es_ES
- Opera: http://help.opera.com/Windows/8.54/es-ES/index.html
- Chrome: https://support.google.com/chrome/?hl=es
- Reconfigure accepted cookies through the cookie settings panel that the Editor makes available to you at all times and which you can access through the button that appears at the bottom of this page.
7. Cookie Policy Update and Contact
This Cookie Policy may change depending on the cookies used. If new types of cookies are introduced that require informed consent, the Publisher will duly inform the User and obtain the necessary consent.
Notwithstanding the foregoing, the Publisher recommends that you review this policy each time you access our website to stay informed about how and why we use cookies and to be aware of any changes to the type of data collected.
If you have any questions about the Portal's Cookie Policy, you can contact the Publisher at the following address: privacidad@gruposantander.es indicating "Cookies Policy" in the subject line.