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Cookie Usage Policy

Cookie policy for the www.bancatransilvania.ro website

The www.bancatransilvania.ro website (hereinafter referred to as the "BT website") is the official website of BANCA TRANSILVANIA S.A .quoted (hereinafter referred to as "Banca" or "BT"), a credit institution, a legal person Romanian with its registered office in Cluj-Napoca, str. Calea Dorobantilor, nr. 30-36, Cluj, postal code 400117, phone 0264 308 028, registered with the Trade Register under no. J12/4155/1993, having the unique registration code RO 5022670.

The BT website is the property of Banca Transilvania S.A. and uses cookies.

Banca Transilvania owns other websites. These websites each have their own cookie policy.

The information presented below is intended to inform you of details about what cookies are, as well as about their placement and use by the BT website.

If you need more information about cookies, and they are not in the presence of the Policy, you can write to us at the e-mail address contact@btrl.ro or you can call the phone number of the Contact Center BT service - 0264 308 028 (or *8028). In connection with the processing of personal data in the context of the use of cookies, you can also contact the Data Protection Officer (DPO) designated by BT, at the e-mail address dpo@btrl.ro.

What is a "cookie"?

An "Internet Cookie" (also known as "browser cookie", "HTTP cookie" or simply "cookie") is a small file of letters and numbers that will be stored on your computer, mobile terminal or other equipment from which the Internet is accessed.

A cookie is installed through a request issued by a web server to a browser (eg Internet Explorer, Chrome) and, despite the fact that it is stored on the equipment (computer, mobile terminal, etc.) used to access internet pages, it cannot access other information in that device and cannot contain software, viruses or spyware.

The cookie stores important information that improves the Internet browsing experience (eg settings of the language in which you want to access a site; keeping a user logged in to the webmail account; online banking security; keeping the products in the shopping cart).

In most cases cookies do not process personal data where they are used and do not identify users of websites.

A cookie consists of 2 parts: the name and the content or value of the cookie.

What are the main categories of cookies?

From the point of view of the duration of their existence, there are two categories of cookies:

  • Session cookies:they are temporarily stored in the cookie folder of the web browser for it to store them until the user leaves the respective website or closes the browser window
  • Permanent/persistent cookies:These types of cookies are stored on the hard drive of the equipment used to access a website and are not deleted when the browsing session is closed. They are retained and reused each time the user returns to that website, but they can be deleted at any time by the user, with predefined validity periods.


From the point of view of the operator who places cookies, there are:

  • first party cookies- placed by the owner of the visited website
  • third party cookies (cookies placed by third parties) - placed by the operator of a website other than the one visited. These third parties must also comply with the law in force and the privacy policies of the owner of the website on which they place cookies.


Details on the typology and description of all known types of cookies can be found by following this link: https://cookiepedia.co.uk


From the point of view of the purposes for which cookies are placed, the following categories of cookies usually exist: strictly necessary, measuring, for analyzing and improving the performance of websites and for promotion (targeting and advertising).

What types of cookies does the BT website use?

The BT website uses session and permanent cookies, as well as its own cookies or placed by third parties, for the following purposes:


A. Strictly necessary cookies: 

These cookies are necessary for the operation of the BT website and cannot be disabled in our systems. They are usually established only in response to the actions taken by visitors to this website, through which they request various services, such as setting privacy preferences, authentication or filling out forms. In the browser they use, visitors (users) may set the blocking or receipt of a warning about these cookies, but in this case, certain parts of the site may not work.

These types of cookies are exempted from the rule of obtaining consent for their placement.


B. Functional cookies: 

These cookies help us provide you with improved functionality and a personalized experience on our website, such as live chat. If you do not allow access to these cookies, some services may not work properly.


C. Measurement, analysis and performance cookies: 

These cookies allow us to count visits to the website and traffic sources so that we can measure and improve its performance. In this way we can find out which are the most popular pages to discover which are the products and services presented that the visitors of the website are interested in. All information that these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when from a certain IP address the website was visited. Using applications such as Google Analytics or Adform, we collect anonymous data about website visits, such as the pages viewed, the duration of viewing, the page of entry to the website.


D. Promotion cookies: 

These cookies are set on the BT website based on agreements we have with our advertising partners (e.g. Social Media pages, Google, Microsoft, Adform etc). With the help of these cookies, we and our partners are able to observe and analyse which types of products on the BT website a particular visitor has shown interest in, and on a subsequent visit to the BT website or another website we will display advertising to that visitor based on the product they have shown interest in on the BT website. This type of promotion is called targeted advertising. If you do not allow advertising cookies, it does not mean that other pages will not deliver advertising to you, but that the advertisements displayed to you will be less relevant to you as an internet user.


If you would like to know more about how cookies work in relation to online advertising, please refer to the http://www.youronlinechoices.com/ro/website.

 

A list of these cookies and the identity of the third parties placing them can be found below

To provide you with a better online experience, we use the services listed below, but this list is open.

  • Google Analytics, a traffic analysis service owned by Google, Inc. and by default cookies. Categories of cookies used: site performance, visitor analytics, retargeting and advertising. These cookies do not collect personal data and do not personally identify visitors to the site, but are used to provide you with content tailored to your preferences while browsing the Internet. To view the Google Analytics "Terms of Service", please go to http://www.google.com/analytics/tos.html
  • Google Signals (Google Signals) represents session data from sites and apps that Google associates with users who have signed in to their Google accounts and have enabled Personalising ads.

    Users can opt out of personalised ads through the Ads settings and control what information Google keeps about their activity on the web and in Google apps through My Activity settings. See our policy on personalized advertising.

  • Google Consent Mode - With the consent collected through this tool, we send Google information about how you use our site (for measurement and analysis purposes) and information that allows Google to personalize the ads you see when you browse the Internet (for advertising and remarketing purposes). This information is only sent if you have explicitly consented to measurement, analytics and performance cookies and promotional cookies. Google's consent module uses the parameters listed in the Cookie List table.

  • Facebook Pixel, a code by which the user can be targeted by advertising services, in Facebook advertising platforms, once he has visited the website www.bancatransilvania.ro. Details of Facebook's privacy policy can be found here: https://www.facebook.com/about/privacy

  • Tik Tok Pixel, a code by which the user can be targeted by advertising services, in Tik Tok advertising platforms, once he has visited the website www.bancatransilvania.ro. Details of Tik Tok's privacy policy can be found here: https://www.tiktok.com/legal/privacy-policy

  • Hotjar, a service for recording user behaviour on the BT website. Hotjar can record user behaviour on web pages, and thus help us in generating insights relevant to us to improve the experience we offer. You can view our privacy policy here: https://www.hotjar.com/legal/policies/privacy

  • Push Instruments - a service that sends web notifications to visitors of the BT website, provided that visitors agree to receive these notifications from our website. You can view our privacy policy here: https://www.pushinstruments.com/confidentiality.php

  • Adform - a service that allows the display of ads, of advertising type, relevant to users. The service allows us to improve the performance of the campaign, but also to monitor the number of impressions so that a user does not see the same ad more than once. More information can be found at the https://site.adform.com, https://site.adform.com/privacy-center/adform-cookies/, and about the protection of personal data at the https://site.adform.com/privacy-center/overview.


Cookies name
Platform
Category
Details
PHPSESSID
php
Strictly necessary cookie
Session cookies
OptConsent

Strictly necessary cookie
This cookie preserves the cookie settings chosen by the user
analytics_storage
Google Analytics
Tag that allows the placement of 3rd party measurement, analysis and performance cookies
Enables the storage of statistical information, such as third party cookies, for analysis and measurement purposes - for example, length of visit
ad_storage
Google Ads
Tag that allows the placement of 3rd party promotional cookies
Allows storage of information (such as third party cookies) associated with advertising
ad_user_data
Google Ads
Tag that allows the placement of 3rd party promotional cookies
Allows personal user data to be sent to Google for advertising purposes
ad_personalization
Google Ads
Tag that allows the placement of 3rd party promotional cookies
Allows display of personalised advertisements
bt_gclid
Google
Promotion cookie
This cookie generates a random code called gclid, for traffic coming from the Google Adwords platform
_GRECAPTCHA
Google
Strictly necessary cookie
Cookie used by Google's reCaptcha algorithm for risk analysis, in order to ensure the security of the website
_fbp
Facebook
Promotion cookie
This cookie is used by Facebook to deliver a range of advertising products, such as real-time bidding from third-party advertisers.
_utmx
Google
Promotion cookie, measurement
This cookie is associated with Google Universal Analytics, - limiting data collection on high traffic sites. It expires after 10 minutes.
_ga
Google
Promotion cookie, measurement
This cookie is used to distinguish unique users by assigning a randomly generated number that an identifier to the customer. It is included in every page request in a site and is used to calculate visitor, session, and campaign data for site analytics reports. By default it is set to expire after 2 years. This cookie is used by Google Analytics 4 to differentiate users.
_ga_G
Google
Promotion cookie, measurement
This cookie is associated with Google Analytics 4 and is used for the session status to persist. It expires after 2 years.
_ga_
Google
Promotion cookie, measurement
This cookie is associated with Google Analytics 4 and is used for the session status to persist. It expires after 2 years.
_gcl_au
Google
Promotion cookie
Used by Google AdSense to effectively experience advertising on websites using their services.
1P_JAR
Google
Promotion cookie
This cookie is associated with Google DoubleClick and is used to display personalized ads based on previous visits to the site. This cookie has a lifetime of one month.
ACS
Google
Promotion cookie
These cookies ensure that within a browser session requests are made by the user and not by other sites. These cookies prevent malicious sites from acting on a user's behalf without the user's knowledge. These cookies have a lifetime of 6 months.
APISID
Google
Promotion cookie
This cookie is associated with Google and is used to serve Google ads on websites based on recent searches and interactions. This cookie has a lifetime of 13 months.
CONSENT
Google
Promotion cookie
This cookie is associated with Google and is used to store a user's status regarding cookie choices. This cookie has a lifetime of 2 years.
SOCS
Google
Promotion cookie
This cookie is associated with Google and is used to store a user's status on cookie choices This cookie has a lifetime of 13 months.
HSID
Google
Promotion cookie
These cookies are used by Google to display personalised ads on Google sites based on recent searches and previous interactions. This cookie has a lifetime of 2 years.
NID
Google
Promotion cookie
This cookie is used to display Google ads in Google services to users who have logged out. This cookie has a lifetime of 6 months.
SAPISID
Google
Promotion cookie
These cookies are used by Google to display personalised ads on Google websites based on recent searches and previous interactions. This cookie has a lifetime of 2 years.
SEARCH_SAMESITE
Google
Promotion cookie
This cookie allows servers to mitigate the risk of CSRF attacks and information leaks by asserting that a particular cookie should only be sent with requests initiated from the same domain of record. This cookie has a lifetime of 5 months.
SID
Google
Promotion cookie
This cookie contains digitally signed and encrypted records of a user's Google Account ID and most recent login time. The combination of these cookies allows Google to block many types of attacks, such as attempts to steal the content of forms submitted to Google services. This cookie has a lifetime of 2 years.
SIDCC
Google
Promotion cookie
This cookie collects information about how the end-user uses the website and any advertisements that the end-user may have seen before visiting that website. This cookie has a lifetime of 1 year.
SSID
Google
Promotion cookie
This cookie collects information about how the end-user uses the website and any advertisements that the end-user may have seen before visiting that website. This cookie has a lifetime of 13 months.
__Secure-1PAPISID
__Secure-3PAPISID
__Secure-1PSID
__Secure-3PSID
Google
Promotion cookie
This cookie is used for targeting purposes to create a profile of the website visitor's interests in order to display relevant and personalized advertising. This cookie has a lifetime of 13 months.
__Secure-1PSIDCC
__Secure-3PSIDCC
Google
Promotion cookie
This cookie provides user authentication (contains digitally signed and encrypted records of a user's Google Account ID and most recent login time), which are then used to display ads relevant and personalized to that user. This cookie has a lifetime of 1 year.
_ga
_ga_{GA4_stream_id}
Google
Promotion cookie
This cookie is set when a person visits our website for the first time. Google Analytics sends the customer ID with each access to associate the access with a user. This cookie has a lifetime of 13 months.
id
Google
Promotion cookie
This cookie can only have the value "OPT_OUT" and tracks whether a user has disabled personalised ads. This cookie has a lifetime of 13 months.
MUID
Microsoft
Promotion cookie
This is a third party cookie, used by Microsoft for users interacting with Microsoft properties, including signalling calls (UET) or browser visits to Microsoft properties. It has a lifetime of 1 year.
_uetmsclkid
Microsoft
Promotion cookie
This is a Microsoft Click ID cookie, used by Microsoft to improve conversion tracking and to track users who have clicked on Microsoft sponsored ads and then visited bancatransilvania.ro.
_uetsid
Microsoft
Promotion cookie
This cookie saves the session ID for unique sessions on the site. As of July 2023, _uetsid has been updated with additional parameters: insights_sessionId, timestamp, pagenumber, upgrade, upload. It has a lifetime of one day.
_uetvid
Microsoft
Promotion cookie
This is a cookie that saves the unique, anonymised ID of unique visitors. Universal Event Tracking stores this data in a first party cookie. As of July 2023, _uetvid has been updated with additional parameters: insights_userId, cookieVersion, expiryTime, consent, cookie_creation_time. It has a lifetime of 13 months.
_hjIncludedInSample
hotjar
Performance and analysis cookie
This cookie is associated with the functionality and web analytics services of HotJar, a company based in Malta. It uniquely identifies a visitor during a single browser session and indicates that users are included in a sample audience.
hjTLDTest
hotjar
Performance and analysis cookie
Session cookies
hjid
hotjar
Performance and analysis cookie
It is used by Hotjar to associate a unique ID, with a validity of 365 days, to identify a user in order to analyze his behavior on the site over several sessions.
hjFirstSeen
hotjar
Performance and analysis cookie
Session cookies
RUID
Numberly
Promotion cookie
This is a third-party cookie used to streamline visitor targeting, personalization and campaign measurement.
__troRUID
Numberly
Promotion cookie
This is a third-party cookie used to streamline visitor targeting, personalization and campaign measurement.
__trossion
Numberly
Promotion cookie
This is a third-party cookie used by Numberly to define a visit.
__troSYNC
Numberly
Promotion cookie
This is a third-party synchronization cookie that contains a single value "1". It is used by Numberly for synchronization with partners. This cookie has a lifetime of one day.
anj
Xandr
Promotion cookie
This is a third-party cookie used to indicate that a cookie ID is synchronized with Xandr partners.
uuid2
Xandr
Promotion cookie
This is a third-party cookie containing a unique, randomly generated value that allows the Xandr platform to distinguish between browsers and devices.
icu
Xandr
Promotion cookie
This is a third-party cookie used to select ads and limit the number of times a user sees an ad.
uids
Xandr
Promotion cookie
This is a third-party cookie containing a base-64 encoded JSON object that contains unique, randomly generated external values that allow other Prebid Server partners to distinguish browsers and mobile devices upon request.
usersync
Xandr
Promotion cookie
This is a third-party cookie containing data that indicates whether a cookie ID is synchronized with Xandr partners.
usersync
Xandr
Promotion cookie
This is a third-party cookie containing data that indicates whether a cookie ID is synchronized with Xandr partners.
sess
Xandr
Promotion cookie
This is a third-party cookie used to test whether a browser is configured to accept cookies from Xandr.
pushinstruments_
Pushinstruments
Promotion cookie
This cookie is used by Ve to serve contextual and behavioral advertising to users.
personalization_id
Twitter
Promotion cookie
This cookie is used by Twitter to deliver a number of advertising products, such as real-time bidding from third-party advertisers.
DSID
Google
Promotion cookie
Used by Google AdSense to effectively experience advertising on websites using their services.
IDE
Google
Promotion cookie
Used by Google AdSense to effectively experience advertising on websites using their services.
Fr
Facebook
Promotion cookie
This cookie is used by Facebook to deliver a number of advertising products, such as real-time bidding from third-party advertisers.
druidConversationToken
DRUID
Strictly necessary cookie
Chat conversation session cookie, ensures the continuation of the conversation when browsing between the pages of the site.
druidWebChatIsOpened
DRUID
Strictly necessary cookie
It keeps the chat experience, shows the open or closed chat control depending on the user's choice.
Lang
ads.linkedin.com
Promotion cookie
Language detection cookie
UserMatchHistory
LinkedIn.com
Promotion cookie
Id synchronization cookie
bcookie
LinkedIn.com
Promotion cookie
Browser ID identification cookie
lidc
LinkedIn.com
Promotion cookie
Cookie used for routing
lyssc
LinkedIn.com
Promotion cookie
SameSite correct attribution cookie
bscookie
LinkedIn.com
Promotion cookie
Browser ID security cookie
L1c
LinkedIn.com
Promotion cookie
Cookie identification Browser ID
BizoID
ads.linkedin.com
Promotion cookie
Cookie used by LinkedIn Ad analytics through LinkedIn Insight Tag, which helps in more detailed reporting by overlaying linkedin data with data about site visitors
BizoData
ads.linkedin.com
Promotion cookie
Cookie used by LinkedIn Ad analytics through LinkedIn Insight Tag, which helps in more detailed reporting by overlaying linkedin data with data about site visitors
BizoUserMatchHistory
ads.linkedin.com
Promotion cookie
Cookie used by LinkedIn Ad analytics through LinkedIn Insight Tag, which helps in more detailed reporting by overlaying linkedin data with data about site visitors
BizoNetworkPartnerIndex
ads.linkedin.com
Promotion cookie
Cookie used by LinkedIn Ad analytics through LinkedIn Insight Tag, which helps in more detailed reporting by overlaying linkedin data with data about site visitors
U
LinkedIn.com
Promotion cookie
Cookie used by LinkedIn Insight Tag to identify the browser
li_sugr
LinkedIn.com
Promotion cookie
Cookie used by LinkedIn Insight Tag to identify the browser
li_oatml
LinkedIn.com
Promotion cookie
Cookie used to identify LinkedIn members outside the network, to deliver ads and reports to countries other than those designated, for a limited time.
C
Adform
Promotion cookie
This is a third-party cookie used to display advertisements to users targeted by Real Time Bidding. It has a lifespan of 60 days, if the user's browser accepts cookies, or 3650 days if the browser does not accept them.
Token
Adform
Promotion cookie
This is a third-party, session cookie used for opt-out functionality.
uid
Adform
Promotion cookie
This is a third-party cookie used as a unique identifier to display advertisements to targeted users through Real Time Bidding. It has a lifespan of 60 days.
CM14
Adform
Promotion cookie
This is a third party cookie that checks if they need to do the validation operation for partner cookies (set by Cookie Matching). It has a lifespan of 14 days.
adtrc
Adform
Promotion cookie
This is a third-party cookie used to identify whether your browser information has been collected. It has a lifespan of 7 days.
Cid
Adform
Promotion cookie
This is a third-party cookie used in the past as a unique identifier, to display advertisements to targeted users through Real Time Bidding. It has a lifespan of 60 days.
SR
Adform
Promotion cookie
This is a third-party cookie used to collect information related to the total and daily number of impressions, the total and daily number of clicks, as well as the date of the last impression. It has a lifespan of 1 day.
CT
Adform
Promotion cookie
This is a third party cookie used to identify whether the way of assigning the click on advertisers' pages is according to the "last click" model. It has a service life of 1 hour.
GCM
Adform
Promotion cookie
This is a third party cookie that checks whether it needs to do the validation operation for partner cookies. It has a lifespan of 1 day.
CM
Adform
Promotion cookie
This is a third party cookie that checks if they need to do the validation operation for partner cookies (set by Adserver). It has a lifespan of 1 day.
otsid
Adform
Promotion cookie
This is a third party cookie, used for the functionality of opt-out from the display of advertisements from certain advertisers. It has a lifespan of 3650 days.
TPC
Adform
Promotion cookie
This is a third-party cookie that checks whether the user's browser accepts third-party cookies. It has a lifespan of 14 days.
EBFCD
Adform
Promotion cookie
This is a third party cookie that identifies the maximum daily frequency allowed to display for expandable advertisements. It has a lifespan of 7 days.
EBFC
Adform
Promotion cookie
This is a third party cookie that identifies the total allowable display frequency for expandable ads. It has a lifespan of 7 days.
CFFC
Adform
Promotion cookie
This is a third party cookie that identifies the compound frequency allowed to display for ads. It has a lifespan of 7 days.
DigiTrust.v1.identity
Adform
Promotion cookie
This is a third party cookie for identifying a user, set by DigiTru.st, independent body. It has a lifespan of 7 days.
_ttp
Tik Tok
Promotion cookie
This cookie is used by Tik Tok to measure and improve the performance of advertising campaigns and to personalize the user experience (including advertisements) on TikTok.
_tt_enable_cookie
Tik Tok
Promotion cookie
This cookie is used by Tik Tok to measure and improve the performance of advertising campaigns and to personalize the user experience (including advertisements) on TikTok.
_tt_sessionId
Tik Tok
Promotion cookie
This cookie is used by Tik Tok to measure and improve the performance of advertising campaigns and to personalize the user experience (including advertisements) on TikTok.


This site uses several codes to track the behavior of visitors to the site. These codes do not individually identify the users of the website, and are not linked to personal data.

How can you control cookies?

You can change the cookie settings on the BT website (except for the necessary cookies) by accessing the cookie settings menu. It can be found both in the cookie banner of the BT website and its footer. At the same time, you can also set the browser you are using to block any types of cookies, including those required. However, please note that in such a situation, the websites you visit (including the BT website) may not function properly. Also, disabling other types of cookies (than necessary) could affect your operation or experience when using the website.


Details on browser settings for blocking or deleting cookies are available below:

Google Chrome:

  • click on the key icon and select Options from the list
  • click on the"Advanced settings" tab
  • click on Content settings in the Privacysection.
  • choose the settings you want
  • click on X to close


Mozilla Firefox:

  • select Tools from the main bar, then choose Options
  • click on the Privacy tab
  • choose the settings you want
  • click ok to close


Internet Explorer/Edge:

  • click on the Settings / Tools icon
  • click on Internet Options
  • click on Privacy and then choose the options
  • click on Apply and then OK to save your preferences


Safari:

  • click on Preferences and then click on Privacy
  • in the cookies blocking section choose your cookie options
  • save your favorites

Security and privacy issues


In order to avoid computer attacks based on cookies, we recommend that you make sure that the version of the browser you are using is always up to date.

The data collected by cookies is generally anonymous. In cases where cookies process personal data, you benefit from the rights provided in the Transilvania Bank's Policy of Contention, which you can find at the following link: https://www.bancatransilvania.ro/politica-prelucrare-si-protectie-date-personale/