The website www.otpbanka.hr uses cookies to run the site, enhance user experience, monitor website activities and display relevant offers.
What are cookies?
Cookies are small pieces of data sent from a website and stored locally on the user's computer by the user's web browser while the user is browsing. They enable functioning of all the features of internet sites, provide better user experience, as well as analytics of website visits and advanced online advertising.
Cookies are used for different purposes:
- easier browsing on our website and using of all its functionalities, aimed at providing the best possible user experience;
- gathering information on how you use our website, assessing what sections you visit or use most frequently, which gives us insight and enables us to improve your user experience when you visit the website again;
- placing targeted advertisements on other websites;
- differentiating and identifying internet browser users;
- monitoring your activities on the websites so as to send messages with tailor-made offers, that you find important and relevant.
According to the source, cookies can be:
- First-party cookies - they are stored by the original website that the user visits.
- Third-party cookies - installed on your device by another organisation whose website you visit. For example, third-party cookies are the cookies set by a company specialised in website analytics (for example, Google Analytics) that provides information to the website owner about the number of persons visiting the said website.
According to their duration, cookies can be:
- Session cookies - with these cookies, websites store temporary information used for its proper functioning. For example, the last few pages that the user opened on the website that they arevisiting or items in the shopping cart of the web store. After closing the web browser, they are removed from the computer or device used to visit the website
- Persistent cookies - they are used to store data such as login name and password, language settings or cookie settings so that the user does not have to re-enter them on each subsequent visit. Persistent cookies can remain on the computer or device used to visit a website for days, months or years.
Types of cookies
a) Essential cookies
Essential cookies are necessary for the proper functioning of the website, they enhance user experience, and collect information on the use of the website without identifying the visitors. Among other things, this includes the cookie acceptance status and privacy settings, registration or filling out a form, notification status on the webpage, as well as a Google Tag manager code. Please be advised that without these cookies we cannot guarantee the best user experience on our website, and that it is possible that some segments of the website will not function properly.
b) Analytical cookies
These cookies allow the collection of detailed information on the use of the website for analytical purposes, thus contributing to the customer-oriented development of our website. These cookies cannot identify you personally, but rather collect the data such as the websites visited, what segment of the website was clicked on, how many websites were visited, the duration of each session, and what were the error messages, if any. They are also called performance cookies, and they include Google Analytics cookies.
c) Advertising cookies
These cookies allow us to show relevant offers to our visitors, and targeted advertising. These cookies cannot identify you personally, but rather collect the data such as the websites visited, what segment of the website was clicked on, how many websites were visited, and so on, all in order to filter the contents that interest you the most. If you have granted previous consent, we can use the collected information about your use of the website, together with your personal data, in order to tailor our marketing communication to suit your particular needs, and bring you offers you find interesting and relevant.
On our website we use cookies of the following service providers:
a) Google Ads
Detailed information about the service are available on this link:
https://policies.google.com/privacy?hl=hr
b) Google Analytics
Detailed information about the service are available on this link:
https://developers.google.com/analytics/devguides/collection/analyticsjs/cookie-usage?hl=en
c) META
Detailed information about the service are available on this link:
https://www.facebook.com/privacy/explanation
Google "basic" consent mode is implemented on our website.
Detailed information about the service are available on this link:
https://support.google.com/google-ads/answer/10000067?hl=en
Enabling and disabling cookies
On www.otpbanka.hr webpage, the user can enable or disable cookies by changing the settings of the cookie management options in the permanently available cookie acceptance pop-up. Also, the cookies can be disabled via the browser settings. All modern web browsers provide the option of changing the cookie settings. Most of the browsers will automatically accept cookies according to the given settings. However, such settings can usually be changed so that the browser can prevent automatic acceptance of cookies and offer the user to choose whether he /she wants to accept the cookies each time the website is visited.
Information about cookie settings on the most popular browsers can be found on the following links:
Bear in mind that the purpose of cookies is to improve or enable the use and the processes of our website and, consequently, if you disable or delete cookies, you could lose access to some of its functionalities, or it could cause the website to open differently in your browser than originally intended.
Disabling advertising cookies can result in showing of our advertisements that are less relevant for you, or in undesirable repetition of a single advertisement.
Privacy protection
Privacy data in connection with used cookies are outlined in the table below.
a) Essential cookies
|
Cookie name |
Legal grounds for the processing of cookies |
Purpose of data processing |
Source |
Service provider |
Data processing period |
|
has_js |
Legitimate interest |
Determines if JavaScript is enabled in your web browser |
otpbanka.hr |
OTP banka |
Deleted after closing the browser |
|
JSESSIONID |
Legitimate interest |
It is used to identify and monitor the state of the user session on web pages that use Java technology |
otpbanka.hr |
OTP banka |
Deleted after closing the browser |
|
PHPSESSID |
Legitimate interest |
It is used to identify and track user session state on web pages that use PHP |
otpbanka.hr |
OTP banka |
Deleted after closing the browser |
|
Cookie-agreed |
Legitimate interest |
It is used to determine whether the visitor has accepted the cookie consent or not |
otpbanka.hr |
OTP banka |
Deleted after closing the browser |
|
Cookie-consent |
Legitimate interest |
Used to store the user's cookie consent state for the current domain |
otpbanka.hr |
OTP banka |
1 year |
|
__omowidget__user__settings__ |
Legitimate interest |
It is used exclusively for saving and reading the selected settings of the Omoguru ReadAble widget and it does not collect or save data about the users themselves. |
api.omoguru.com |
api.omoguru.com |
Persistent |
|
iznosKredita trajanjeKredita |
Legitimate interest |
Stores the status of the amount and duration of the loan to enable the loan calculator to function |
otpbanka.hr https://www.otpbanka.hr/klik |
|
Deleted after closing the browser |
|
productType |
Legitimate interest |
Stores product type when viewing web content |
otpbanka.hr |
|
Deleted after closing the browser |
b) Analytical cookies
|
Cookie name |
Legal grounds for the processing of cookies |
Purpose of data processing |
Source |
Service provider |
Data processing period |
|
_ga, _ga_#
|
Your consent |
It enables the Google Analytics service to distinguish visitors by generating a unique identifier and to track the number of visitors and pages visited |
otpbanka.hr |
Google Analytics |
2 years |
|
_gid |
Your consent |
It serves to monitor user sessions on websites that use Google Analytics, and is used to limit the number of requests to Google services |
otpbanka.hr |
Google Analytics |
24 hours |
|
_gat |
Your consent |
It is used to track visits to the website through the Google Analytics tool and analyze the user's interaction with the website |
otpbanka.hr |
Google Analytics |
Deleted after closing the browser |
c) Advertising cookies
|
Cookie name |
Legal grounds for the processing of cookies |
Purpose of data processing |
Source |
Service provider |
Data processing period |
|
_fbp |
Your consent |
It is used to track users on websites that use the Facebook Pixel in order to measure and optimize Facebook advertising |
otpbanka.hr |
|
3 months |
|
_gcl_au |
Your consent |
It connects Google ads with the activities performed on the website (conversions) for the purpose of optimizing advertising on the Google platform. |
otpbanka.hr |
Google Analytics |
90 days |
In accordance with REGULATION (EU) 2016/679 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation), applicable as of 25 May 2018, the Board of OTP banka d.d. adopted the Data Protection Policy regulating the issues of processing of your personal data. More info on personal data protection