BNP Paribas wishes to draw users’ attention to the following information. Please read the following pages each time you connect to this site, as they are subject to modification.

BNP Paribas is committed to delivering the best possible service to you and we wish to maintain the confidence that you place in us. We would like to provide you with clear information about how we use cookies and other similar technology on our websites. The word “computers”, when used in this policy, refers to computers, smartphones, tablets and all other devices used for accessing the internet. Please take a few moments to read this Cookies Policy.

What is a cookie?

Cookies are small text files that are placed and stored on your computer when you visit a website. Cookies perform a number of useful functions including: enabling a user to be recognized; improving a website’s security and the user experience.

Cookies are either: (i) session specific, which means that they are deleted from your computer once the session and browser are closed; or (ii) permanent, meaning that they will remain resident on your computer until they are removed.

What cookies do our websites use?

Our websites use both session and permanent cookies. When you visit our websites we ask for your consent to use cookies. This website may use any of the following groups of cookies:

Process – Process cookies help make a website function and deliver the services that the website visitor expects to receive, such as navigation, access to secure areas etc. These cookies are necessary and without them the website will not function properly.

Preference – Preference cookies allow a website to remember a user’s preferences in relation to the website such as language, font size, currency, region etc. These cookies are not vital but enhance a user’s experience.

Security – Security cookies are used to authenticate users, prevent fraudulent use of login credentials, protect user data from unauthorised parties etc. These cookies are vital to several of BNP Paribas’ secure websites.

Analytics – Analytics cookies collect information in an anonymous form about how a user interacts with a website. This information may include: the number of users visiting the website, the pages a user visits the activity of the user on the website and how often the user returns.

Your choice with respect to cookies

As a default, most browsers are set to accept cookies. However, if you do not wish to consent to cookies being stored on your computer, you are able to block all or certain cookies by changing your browser settings. If you decide to block cookies you may find that you experience interruption or delays to your browsing experience and may be unable to use or access certain areas of a website.

For details on what your browser offers and how to configure your browser according to your choices, please go to the “Help” menu or other dedicated section of your internet browser.

More information

More information about cookies generally and how cookies can be controlled can be found at http://www.allaboutcookies.org/

Please note:

• If you enable “remember username” on your browser settings, your login credentials may be stored on your browser even after you have terminated a session on our websites
• If your computer is used by more than one person or has multiple internet browsers, it is possible that some of your choices relating to cookies may not be permanent. This is because either: (i) you are using a different browser; or (ii) a third party has changed the settings of your browser. We are unable to control these factors and therefore cannot guarantee the permanence of the choices you make.

What monitoring technology do we use on our websites?

Occasionally, we use monitoring technology to track and monitor your activities on our websites. This monitoring technology does not monitor your activities on any other websites.

We may use monitoring technology to collect and store information about how you access and use our websites, for example: when and for how long you accessed our website and what pages you browsed. Some of the information we collect is anonymous, statistical data, and some is information about your activities as an individual user. We monitor and track your activities in this way for a variety of purposes, including for compliance with our regulatory and legal obligations and to provide better services to you. The information we collect may be used for marketing purposes.

Your choice with respect to marketing

You may withdraw your consent to the use of your personal data for marketing purposes by submitting a request to BNP Paribas, using the contact details set out in our Data Protection Notice.

Queries and updates

If you have any queries relating to this Cookie Policy, please e-mail gdpr.desk.cib@bnpparibas.com

Note that this Cookie Policy may be updated from time to time.

The BNP Paribas Group is committed to delivering the best possible service to you while maintaining the confidence that you place in us. As part of this, we have adopted strong principles across the Group to ensure the protection of your data.

As such, we would like to provide you with transparent information about how we place, use and store cookies on your device when you use our website and/or our mobile application (the “Website” and/or “Application”) and present you with the options to manage and/or to delete cookies.

1. What is a cookie?

Cookies are small text, image or software files that are placed on your device when you access our Website and/or use our Application. The word “device”, when used in this Cookies Policy, refers notably to computers, smartphones, tablets and all other devices used for accessing the internet.

Cookies may be either: (i) session specific, meaning that they are deleted from your device once the session and browser are closed; or (ii) persistent meaning that they will remain on your device until they are removed.

Cookies perform a number of useful functions, such as to:

• Authenticate and identify you on our Website and/or Application in order to provide you with services that you have requested;
• Enhance the security of the Website and/or Application, including to prevent fraudulent use of login credentials and protect user data from access by unauthorised parties;
• Monitor your use of our Website and/or Application in order to improve them;
• Enhance your user experience by adapting and tailoring the content on the Website and/or Application to your interests and providing more relevant BNP Paribas ads and content to you on non-BNP Paribas websites and non-BNP Paribas applications;
• Remember information that you have provided to us (e.g. to automatically populate forms with information that you have previously provided to us so that you can log on more quickly);
• Keep track of your preferences and settings in your use of our Website and/or Application (e.g. time zone etc.) and;
• Send you personalised advertising notably based on your browsing history and your preferences online.

2. What kind of information can be stored in a cookie?

The information stored by the cookies on your device may relate to the following, subject to their retention periods:

• the webpages you have visited on that device;
• the advertisements you have clicked on;
• the type of browser you use;
• your IP address; and
• any other information that you have provided on our Website and/or Application.

Cookies may contain personal data. Where we use cookies which collect your personal data, such collection is covered by our Data Protection Notice.

3. What kind of cookies do we use and for what purpose?

Cookies used on our Websites and/or Applications are classified into different categories set out below. Please note that some of these cookies are placed on your device by third parties. We provide further details regarding these third party cookies and how you can manage your preferences in respect of these types of cookies in sections 4 and 5 below.

3.1. Strictly necessary cookies (mandatory, set automatically does not require your consent)

These cookies are essential for the Website / Application to function properly. They may include, for example, cookies which collect session ID and authentication data. This category also includes cookies that allow us to comply with our legal obligations, including ensuring a safe online environment (for example by detecting repeated login failures in order to prevent unauthorised persons from reaching your account).

3.2. Preference cookies (subject to your consent)

These cookies allow us [and our partners,] to personalise the content and features on the Website and / or the Application, and in particular, the display of products and services we offer. These cookies are used to improve your user experience and our Website and/or Application.

3.3. Analytics cookies (subject to your consent)

These cookies allow us [and our partners,] to understand how users arrive on our Website and / or Application, to measure the number of visitors to our Website and / or Application, but also to analyse the way in which visitors browse the Website and/or Application and create a better understanding of their customer journey.

This helps us improve the way our Websites and/or Applications work by ensuring, for example, that users easily find what they are looking for.

3.4. Advertising cookies and tracking cookies (subject to your consent)

There are different categories of cookies used to provide you with advertising. Information obtained through advertising cookies is frequently shared with our partners through the use of third-party cookies. You can find more information on these partners in section 4 of this Cookies Policy.

3.5. Social networks and content sharing cookies (subject to your consent)

4. In this context, who places the cookies on your device (for example, a BNP Paribas Group entity or a partner)?

When you select which types of cookies you allow on your device, the cookies may be deposited directly by us or by one of our partners.

From a practical point of view, this means that when “third-party” cookies are placed on your device, our partners will also be able to access the information they the third-party cookies contain (such as, for example, your browsing statistics when you allow third-party analysis cookies). ). We have set out below a list of the third party providers that we use and a brief summary of the type of cookies they use. If you would like further information about such third-party cookies, we strongly recommend that you check the websites of any such third parties and their privacy policies for more information about their cookies and how you can manage them.

Cookie source	Purpose	Find out more	List of cookies placed  on the Website/Application  by our  partners	Retention period of the cookies placed by our partners
Google	Google Analytics is the audience measurement tool that allows us to better understand the behavior of visitors to our Website. Google Analytics cookies make it possible to collect information and generate reports on site usage statistics without visitors being personally identified by Google.	You can obtain more information about these cookies on the Google website by following this link: https://policies.google.com/privacy If you use an Internet browser, you can also use the tool available at this link to deactivate Google Analytics: https://chrome.google.com/webstore/detail/google-analytics-opt-out/fllaojicojecljbmefodhfapmkghcbnh?hl=fr
Facebook	Our Website integrates Facebook technologies. When you visit our Website, Facebook places cookies on your device and receives related information, including information about the device and your activity, without any further action on your part. This happens whether or not you have a Facebook account or whether you are logged in or not.	You can obtain more information about these cookies on the Facebook site by following this link: https://fr-fr.facebook.com/policies/cookies/
[others]

5. How can I manage cookies?

To see the different categories of cookies that we use on the Website and/or Application and configure your choices, you can consult the cookie management module accessible [at the bottom of the page]. You can modify your preferences (for example, withdraw your consent and/or reconfirm  your consent) at any time.

Please note that the use of strictly necessary cookies, which are cookies which are strictly necessary   for the proper functioning the Website and/or Application, does not require your consent. This is why the option “strictly necessary cookies” is pre-checked in our cookie management tool and is not optional.

By refusing certain types of cookies (preference cookies for example), we will not be able to optimise your user experience on our Website and/or Application and some parts may not function properly.

By default, in relation to persistent cookies, we save your cookie choices on a device for a maximum of 6 months. If you change your mind about the preferences you have expressed regarding cookies, you can update your choices at any time, by following [this link]. We will ask you to make a choice again every 6 months.

6. Further information

You can find more general information about cookies and how they can be managed at www.allaboutcookies.org and www.youronlinechoices.com