Polityka plików cookie

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, tablet, or mobile) when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.

This Cookie Policy explains how Inwestycja Bank Polski uses cookies and similar technologies on our website and online banking platform.

2. Types of Cookies We Use

2.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as:

• User authentication and session management
• Security features and fraud prevention
• Load balancing and website performance
• Remembering your preferences and settings

These cookies cannot be disabled as they are essential for the website to work.

2.2 Functional Cookies

These cookies enhance functionality and personalization:

• Language preferences
• Regional settings and currency
• Remembering your login status
• Customizing your user interface

2.3 Analytics Cookies

These cookies help us understand how visitors interact with our website:

• Page views and navigation patterns
• Time spent on pages
• Error tracking and performance monitoring
• User flow analysis

This information is aggregated and anonymized to improve our website experience.

2.4 Marketing Cookies

These cookies are used to deliver relevant advertisements and track campaign effectiveness:

• Tracking conversions from marketing campaigns
• Personalizing advertisements
• Measuring ad performance
• Retargeting visitors

These cookies require your consent and can be managed through our cookie preferences.

3. Cookie Duration

3.1 Session Cookies

These temporary cookies are deleted when you close your browser. They are essential for maintaining your session and security during your visit.

3.2 Persistent Cookies

These cookies remain on your device for a set period or until you delete them:

• Authentication cookies: Typically 30 days or until logout
• Preference cookies: Up to 12 months
• Analytics cookies: Up to 24 months
• Marketing cookies: Up to 12 months

4. Third-Party Cookies

We may use third-party services that set their own cookies:

• Analytics providers: Google Analytics, Adobe Analytics
• Security services: Cloudflare, reCAPTCHA
• Payment processors: For secure transaction processing
• Social media platforms: For social sharing features

These third parties have their own privacy policies and cookie practices. We recommend reviewing their policies.

5. Managing Your Cookie Preferences

5.1 Cookie Consent Banner

When you first visit our website, you'll see a cookie consent banner where you can accept or customize your cookie preferences.

5.2 Browser Settings

You can control cookies through your browser settings:

• Chrome: Settings > Privacy and Security > Cookies
• Firefox: Options > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Cookies
• Edge: Settings > Privacy, Search, and Services > Cookies

Note: Disabling essential cookies may affect website functionality and your ability to use online banking services.

5.3 Opt-Out Tools

For marketing and analytics cookies, you can use:

• Google Analytics Opt-out: tools.google.com/dlpage/gaoptout
• Your Online Choices: youronlinechoices.com
• Network Advertising Initiative: networkadvertising.org

6. Similar Technologies

In addition to cookies, we may use similar technologies:

• Web Beacons/Pixels: Small images embedded in emails and web pages to track engagement
• Local Storage: Storing data locally in your browser for faster loading and preferences
• Session Storage: Temporary storage for session-specific data
• Fingerprinting: Device and browser characteristics for security and fraud prevention

These technologies are subject to the same privacy protections as cookies.

7. Security and Privacy

We take the security of cookies seriously:

• Secure cookies are transmitted only over encrypted connections (HTTPS)
• HttpOnly cookies prevent access via JavaScript to reduce XSS attack risk
• SameSite attributes protect against cross-site request forgery
• We do not store sensitive personal information in cookies
• Authentication cookies are encrypted and time-limited

8. Updates to This Policy

We may update this Cookie Policy periodically to reflect changes in our practices or legal requirements. We will:

• Update the "Last Updated" date at the top of this page
• Notify you of material changes through our website or email
• Request renewed consent if required by law

9. Contact Us

If you have questions about our use of cookies, please contact us: