Cookie Policy

At Zinia, registered trademark of Open Bank, S.A. (hereinafter, “OPENBANK”) we use cookies on our websites www.zinia.com, www.zinia.com/corporate (hereinafter, the “Websites”) and we want to tell you all about them in our cookie policy, (hereinafter “Cookie Policy”).

1. What are cookies?

Cookies are data storage and retrieval files that are downloaded to your devices when you access and/or browse our Websites. They even contain a number that uniquely identifies your computer or mobile device, even if you change location or IP address.

2. What are cookies used for?

Cookies allow us to collect data that could identify you or your approximate location, the connection time, the device from which you access (fixed or mobile), the operating system and browser used, the most visited pages, the number of clicks performed and data about your online behaviour.

Additionally, in some cases they save information about your browsing habits and preferences that will allow us to provide you with a better and more personal experience, and will even show you advertising related to your preferences every time you visit our Website.

They also allow us to collect data about patterns of usage of our Websites in order to identify problems and implement improvements, develop new products or services and generate statistics or measurements of usage.

3. How are cookies enabled?

Cookies can be enabled in different ways, depending on their purpose. In some cases, when they are necessary for our Websites to work properly, they are installed during browsing; while in others, when your authorisation is required, they will be enabled when you give us your permission. You can make changes to this consent at any time through the various settings options we provide later on in this Cookie Policy.

Please note that you can access our Websites without all cookies being enabled (apart from technical cookies), but that disabling them may prevent the website from working properly.

4. What types of cookie do we use

Below, we explain which cookies you can find when browsing our Websites and what they are used for:

4. 1 Technical cookies

These own or third-party cookies are used, for example: to identify you when you log in to your Customer Area, to remember or validate products that you use, to validate various transactions you perform with us (such as a transfer), to resolve technical errors or to control potential security threats to a service. They are necessary to ensure the optimal performance of our Websites, our products and services and the security we provide.

What are they and what do we use them for on each of our Websites?

4.2 Analytics cookies

These own or third-party cookies are used to perform statistical analyses of Website usage and to develop improvements that will enhance your browsing experience. For example, we monitor your visits in order to analyse and understand how you use our Website, to make it more intuitive and to quantify the impacts of advertising during your browsing.

What are they and what do we use them for?

4.3 Preference cookies

These own or third-party cookies allow us to remember your preferences from your previous visits. For example: the browser you use, your geographical region, the language you have selected, the sections you have saved as your favourites and any content that is of interest to you.

What are they and what do we use them for?

4.4 Cookies for the development and improvement of products

These third-party cookies use information about your device and the type of browsing you perform in order to design and create algorithm-based behavioural models. For example, we analyse the data from your visits to our Websites in order to optimise the design of the products.

These models enable us to build user profiles so that we can send you marketing tailored to your interests and, on a more generic basis, predict your financial behaviour and suggest related Openbank products. For example, we can use data about your browsing to send you communications about events related to the pages you have browsed.

What are they and what do we use them for?

5. How long are cookies enabled for?

Depending on the type of cookies, and the information we provide about each of them, cookies may remain enabled for a longer or shorter time.

For example, session cookies are designed to collect and store data while you access a website. When the browser is closed or the session expires, these cookies disappear.

Persistent cookies, however, are still enabled when you leave the Website and then go back to it. They will remain stored for the time specified in each case, although you may delete them at any time.

6. Who processes or manages cookies?

Data collected by cookies may be managed by both Openbank and third parties. The explanation of each of the cookies found above indicates whether the cookies are our own or whether they are third-party (3rd).

You may access the privacy policies of third parties that manage cookies on the Website by clicking on the links included directly in the explanation of each of the different types above (in the “Owner” column).

For example, you will see that the third-party cookies we use are those of Google Analytics, part of Google Inc., which allow Google to monitor on our behalf how visitors use our Website, to collect reports and to help improve the website. For further information on how Google collects and processes data, visit https://policies.google.com/privacy?hl=en.

Please note that if you accept a third-party cookie and, for example, you access a YouTube video, YouTube can then set cookies using this code and it will know that you have watched that video, or even visited the page where the video is located.

7. I have accepted cookies but I now want to disable them. How do I do this?

You can easily and at any time change your cookie preferences and even disable all categories of cookies except those technically necessary for the Website to run properly, by clicking here.

You may also allow, block and delete cookies and delete your browsing data (including cookies) at any time from your browser. To do this, you will need to access your browser settings options by clicking on the links below:

• Firefox
• Internet Explorer
• Microsoft Edge
• Safari
• Chrome

You can also disable cookies in your browser by installing a plug-in or an opt-out system provided by some third parties who install cookies on our Website, for example:

Google (behavioural advertising) (requires Google login)

Please note that some features of our Websites content are only available if you allow certain cookies to be installed in your browser. If you choose not to accept, or to block, certain cookies, depending on their purpose, this may, in whole or in part, affect how the Website is normally run or prevent access to some of the services it offers.

8. Processing of personal data

8.1 Data Controller

Open Bank, S.A., operating through its registered trademark Zinia, Plaza de Santa Bárbara, 1 y 2, 28004, Madrid.

You can contact the Data Protection Officer by emailing: privacy.corporate@zinia.com

Please find basic information about how we process your data obtained through cookies below. Further information can be found at https://www.zinia.com/corporate/privacy-policy.

8.2 Purposes of processing and lawful basis

The purposes for which we process the personal data we obtain through cookies are indicated in section “4. What types of cookies do we use?”.

The use of technical cookies by Openbank is necessary to enable your browsing on our Websites. The use of all other cookies depends on your consent, which you can manage by clicking here or as indicated in section “7. I have accepted cookies, but I now want to disable them. How do I do this?”

8.3 Recipients

We collaborate with third-party providers who may have access to your data in order to provide us with services that are always under contract. They will process the data in our name and on our behalf, following our instructions at all times. For example, Google or Tealium.

We make international transfers of your data, only in the context of some of the above-mentioned service provisions, both to countries providing an adequate level of protection, comparable to that of the European Union, as well as to countries that do not benefit from this level of protection. In the latter case, you do not have to worry. Openbank uses mechanisms established by regulations to comply with all guarantees, such as standard contractual clauses or certification mechanisms. You can view the international data transfers we carry out by emailing privacy.corporate@zinia.com

Furthermore, in relation to third-party cookies, we would like to remind you that they are either sent from a domain not managed by Openbank but by the relevant third party, or from our domain, in which case the information collected is handled by that third party. You can find more information on any messages provided by third parties, including international data transfers, if applicable, in their respective cookie policies.

8.4 Retention periods

Your data will be processed for the periods indicated in section “4. What types of cookies do we use?” - while your usage authorisations are still valid.

We will subsequently retain the data, which will be duly blocked, for the timeframes legally established for the actions arising from such authorisation, if required to respond to any claim concerning our use of your data. After such periods, we will proceed to destroy the data.

8.5 Data protection rights

Please be informed that you have, and may exercise, the following rights: access, portability, rectification, erasure, opposition, limitation of processing and the right not to be subject to a decision based solely on automated processing. For further information on your rights, visit https://www.zinia.com/corporate/privacy-policy

9. Changes to the Cookie Policy

At Zinia, we are committed to keeping this Cookie Policy updated in order to collect any new information available in connection with the cookies we use.

For this reason, it is important that you regularly spend time reading and making sure you understand it.

For any relevant modification that we need to make, we will notify you in advance, at least through our Websites so that you have the opportunity to be properly informed at all times.

10. Do you have any questions?

If you have any questions about the Cookie Policy on our Websites, you may contact us by writing to Plaza de Santa Bárbara 1 y 2, 28004, Madrid, or by emailing

11. Finally, we suggest you:

Check the Cookie Policy on a regular basis for information about possible changes.

Read the Cookie Policy in conjunction with our data protection policy, which is also available on our Website, where we explain how we process your personal details.