Cookie Policy

The Increscendo Group uses its own and third party cookies on its website to:

(i) improve our services and the operation of our website, and optimise the user experience;

(ii) prepare statistical information; and

(iii) personalise the content we offer and display personalised adverts based on analysis of browsing habits.

This Policy aims to help you understand the use of cookies by the Increscendo Group, the purposes for which cookies are used, and the options you have for managing them.

1. WHAT ARE COOKIES?

Cookies are small text files that are downloaded onto the user's device to collect specific data that is essential for the correct functioning of our web pages and applications, and all other websites. They provide advantages to users such as facilitating browsing and increasing usability, and may be updated and recovered by Increscendo Group entities.

Cookies can only be read by the service or application that issued them. They are never executable files, and they cannot spread or contain viruses. The cookies the Increscendo Group uses on its websites do not collect the user's personal data (name, surname, address, bank details, etc.). To protect your privacy, the IP address is codified and recorded, which means that the information obtained from the cookies is only statistical and completely anonymous.

The Increscendo Group may only store cookies on your device if they are strictly necessary for the functioning of its websites. We need your permission for all other types of cookies. You can change or withdraw this consent at any time using the “Cookies declaration” on our website.

2. WHAT TYPES OF COOKIES ARE THERE?

The cookies used are generally:

Depending on the entity involved:

Increscendo Group cookies: Cookies sent to the user's device from the device or domain managed by the Group that provides the service requested by the user.

Third-party cookies: Cookies that provide data that is processed by a third party, irrespective of whether they are sent to the user's device from a device or domain managed by the Group or not.
Depending on how long they remain active on the user's device:

Session cookies: Cookies designed to collect and store data while the user is using a web page or application. These are used to store information that only needs to be kept to provide the service requested by the user on a single occasion.

Permanent cookies: Cookies in which the data continues to be stored on the device and can be accessed and processed for a period of time defined by the Group, which can range from a few minutes to several years.
This depends on the purpose of the data obtained from the cookies:

Technical cookies (necessary): These enable the user to browse a web page, platform or application, and use the options and services offered.

Personalisation cookies (preferences): These enable users to access the service with some predefined general characteristics, based on a range of criteria on the user's device (for example, the type of browser, the regional configuration from which the service is accessed, etc.).

Analysis cookies (statistical): Cookies that enable monitoring and analysis of user behaviour on the websites to which they are linked. The information collected by these cookies is used to measure activity on the website, application or platform, and to prepare browsing profiles for users of these sites, so as improve the site based on analysis of data on how users actually use the service.

Advertising cookies (marketing): These enable the most efficient management of advertising spaces on the web page, application or platform that provides the service requested, based on criteria such as the content or frequency with which adverts are displayed.

Advertising behaviour cookies (marketing): These enable the most efficient management of advertising spaces on the web page, application or platform that provides the service requested. These cookies store information on the behaviour of users obtained through on-going observation of their browsing habits. This makes it possible to develop a specific profile and display appropriate adverts as a result.

3. WHAT COOKIES DOES THE INCRESCENDO GROUP USE AND HOW CAN I CONFIGURE THEIR USE?

Your consent applies to the following domains: www.increscendogroup.com; www.increscendobank.com; www.increscendopayments.com

Your current state: Allow all cookies (Necessary, Preferences, Statistics, Marketing).

Change your consent  |  Withdraw your consent  |  legal@increscendogroup.com