This Cookies Notice describes how Caritas Microfinance Bank Limited (hereinafter referred to as “Caritas”, “the Bank”, “we”, “our” or “us”) may use cookies, pixels and similar technologies (collectively referred to as “Cookies”) on its website and, where applicable, its digital platforms, and explains the choices available to you regarding their use.
Introduction
This Cookies Notice describes how Caritas Microfinance Bank Limited (hereinafter referred to as “Caritas”, “the Bank”, “we”, “our” or “us”) may use cookies, pixels and similar technologies (collectively referred to as “Cookies”) on its website and, where applicable, its digital platforms, and explains the choices available to you regarding their use.
Cookies and similar technologies may store or access information on your device, such as unique identifiers and standard device or browser information. Depending on their purpose, they may be used to enable website functionality, enhance security, understand website performance and usage, remember preferences, and support the improvement of the Bank’s online services.
Where required by applicable law, the Bank will seek your consent before using non-essential cookies. You may manage your cookie preferences through the options provided on the website and through your browser settings.
What are cookies?
Cookies are small text files stored on your computer, mobile phone or other device when you visit a website. They may contain information about your browsing activity, preferences or device and may help the website recognize your browser when you return.
Cookies do not necessarily identify you directly. However, information collected through cookies may constitute personal data where it identifies, or can reasonably be linked to, an identifiable individual.
What do we use cookies for?
Depending on the cookies and technologies deployed on the Bank’s website, we may use them for the following purposes:
To enable the website to function properly and support secure access and navigation.
To remember your preferences and choices, where applicable.
To understand website traffic, visitor interactions and website performance.
To identify technical errors and improve the functionality and user experience of the website.
To support website security and the prevention or investigation of suspicious activity.
To assess the use of the Bank’s online services and inform service improvements.
To support other specific and lawful purposes disclosed to you where applicable.
The Bank will process personal data collected through cookies in accordance with the Data Protection Act, 2019 and applicable regulations. Information will not be used for purposes incompatible with the purpose for which it was collected unless further processing is permitted by law.
For more information about how the Bank collects, uses, stores and protects personal data, please refer to the Bank’s Privacy Statement.
What information may cookies collect?
Depending on the type of cookie and the technology used, information collected may include:
Your Internet Protocol (IP) address.
Your device type, browser type and technical identifiers.
The date and time of your visit.
The pages you visit and how you navigate the website.
Information about website performance, errors and successful page requests.
Preferences or settings saved during your visit.
The information collected will depend on the website features and technologies deployed. Where such information constitutes personal data, the Bank will handle it in accordance with applicable data protection requirements and apply appropriate safeguards.
Types of cookies
The cookies used on the Bank’s website will depend on the technologies deployed. They may include the following categories:
Session Cookies
Session cookies are temporary cookies that remain on your device while you browse the website. They generally expire and are deleted when you close your browser. They may support functions necessary for a browsing session.
Persistent Cookies
Persistent cookies remain on your device for a specified period or until they are deleted. They may be used to remember preferences or settings when you revisit the website.
Performance and Analytics Cookies
Where used, these cookies help the Bank understand how visitors interact with its website, including which pages are visited, how the website performs and whether users encounter errors. The information may be used to assess and improve website functionality and performance.
Whether information collected through these cookies is anonymous or constitutes personal data will depend on the technology and information collected.
Third-Party Cookies
Third-party cookies are set by external providers whose services or technologies are integrated into a website. Where applicable, these cookies may support functions such as website analytics, security or other services.
Where third parties process personal data on behalf of the Bank, the Bank will take appropriate steps to ensure compliance with applicable data protection and security obligations. Third-party services may also be subject to their own privacy notices and policies.
Functionality Cookies
Where used, functionality cookies allow the website to remember preferences or choices, such as language or other settings, to provide a more convenient browsing experience.
The availability and use of these cookies will depend on the features provided on the Bank’s website.
How long are cookies retained?
The retention period depends on the type and purpose of the cookie. Session cookies generally expire when you close your browser, while persistent cookies remain for a defined period or until deleted.
The applicable retention periods will depend on the cookies deployed on the Bank’s website. The Bank will seek to ensure that information collected through cookies is not retained for longer than necessary for the relevant purpose.
How to manage your cookies preferences
When you visit the Bank’s website, you may be provided with options to accept all cookies, reject non-essential cookies or manage your preferences.
You may also block or delete cookies through your browser or device settings. Where available, you may revisit the website’s cookie settings to change or withdraw your consent.
Please note that blocking or disabling certain cookies may affect some website features or functionality. Where consent is required, non-essential cookies will not be activated before the relevant consent is obtained.
Withdrawing consent does not affect the lawfulness of processing carried out before withdrawal.
Your Data Protection Rights
Where information collected through cookies constitutes personal data, you may exercise the rights available to you under the Data Protection Act, 2019, subject to applicable legal requirements. These include the right to be informed about the processing of your personal data, accessing your personal data, object to processing and request correction or deletion of false or misleading data.
You may contact the Bank’s Data Protection Officer using the contact details provided in the Bank’s Privacy Statement to raise concern or exercise your applicable rights.
Changes to this Notice
The Bank may update this Cookies Notice from time to time to reflect changes in its website, the technologies used or applicable legal and regulatory requirements. The current version will be made available on the Bank’s website.
Contact Us
If you have any questions about this Cookies Notice or how the Bank handles personal data collected through cookies, please contact the Bank using the contact details provided in its Privacy Statement.