Privacy and Cookies

Cookies are small text files that are placed by websites visited on users’ computers or mobile devices through the internet browser. They allow the website to recognise the device the next time users access it to make websites work faster and more efficiently without the need to repeatedly enter the same information.

The cookies used on Banco Carregosa’s website do not collect information that identifies the user, but only contain general information, such as how users access and use the websites, or from which part of the country/countries they access the site, etc.. The information retained only relates to the users preferences. 

Users may, at any time and through their browser choose to be notified about receiving cookies, as well as block them from entering their system, in full or in part (even if they have authorised it before). To do this, please see the browser Settings/Tools, in the Privacy section. Please note, however, that refusal to use cookies on the website may result in the inability to access some of its areas or receive customised information.

Strictly necessary cookies

These cookies are necessary for the website to work and cannot be turned off on our systems. They are usually only set in response to actions taken by you and which correspond to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you to these cookies, but some parts of the website will not work. These cookies do not store any personally identifiable information.

Performance cookies

These cookies allow us to count visits and identify traffic sources so that we can measure and improve our websites performance. They help us know which pages are the most and least popular and see how visitors move around the website. All information collected by these cookies are aggregated and, therefore, anonymous. If you do not allow these cookies, we will not know when you visited the website. 

Functionality cookies

These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these features may not work properly. 

Targeting cookies

These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will receive less targeted advertising. 

Social Media cookies

These cookies are set by a range of social media services that we have added to the site to enable you to share our content with your friends and networks. They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies, you may not be able to use or see these sharing tools.

All browsers allow users to accept, reject or delete cookies by selecting the appropriate settings. You can set the cookies in your browser in the "options" or "preferences" menu. Please note, however, that disabling cookies will affect some of the services offered on our website and the whole or part of the browsing experience.

INTERNET EXPLORER

Activate cookies

To activate cookies in Internet Explorer:

• • Click on the "Tools" menu and on "Internet Options";
  • On the "Privacy" tab, move the cursor down or select "Accept all cookies";
  • To finish, click OK.

Disable cookies

To disable cookies in Internet Explorer:

• • Click on "Edit";
  • Select the "Privacy" tab;
  • Move the bar to the top, where it will say "Block all cookies". 

Note: Disabling cookies may prevent some internet services from working properly. Disabling cookies does not grant any kind of anonymity nor prevents websites from monitoring your browsing habits.

SAFARI

Enable cookies

To enable cookies in Safari:

• • Click on the "Edit" menu;
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  • In the top panel, select the "Security" icon;
  • In the "Accept Cookies" section, select "Only from sites you navigate to".

Disable cookies

To disable cookies in Safari:

• • Click on "Edit";

  • Select "Preferences";

  • In the top panel, select the "Security" icon;

  • In the "Accept Cookies" section, select "Never".

Note: Disabling cookies may prevent some internet services from working properly. Disabling cookies does not grant any kind of anonymity nor prevents websites from monitoring your browsing habits.

MOZILLA FIREFOX

Enable cookies

To enable cookies in Mozilla Firefox:

• • Click on the "Tools" menu;

  • Select "Options";

  • In the top panel, click on the "Privacy" icon;

  • Select the check box next to the "Accept cookies from sites" option;

  • Click "OK" to save the settings and close.

Disable cookies

To disable cookies in Mozilla Firefox:

• • Click on the "Tools" menu;

  • Select "Options";

  • In the top panel, click on the "Privacy" icon;

  • In the "Cookies" section, disable the "Accept cookies from sites" option;

  • Click "OK" to save changes and close.

Note: Disabling cookies may prevent some internet services from working properly. Disabling cookies does not grant any kind of anonymity nor prevents websites from monitoring your browsing habits.

GOOGLE CHROME

Enable cookies

To enable cookies in Google Chrome:

• • Click on "Customise and Control Google Chrome";

  • On the "Privacy" tab, click on "Content Settings";

  • Select the option "Allow local data definition (recommended).

Disable cookies

To disable cookies in Google Chrome:

• • Click on "Customise and Control Google Chrome";

  • On the "Privacy" tab, click on "Content Settings";

  • Select the option "Block sites from setting data".

Banco L. J. Carregosa is responsible for processing the personal data of its clients and/potential clients. Our contact details are as follows:

Address: Avenida da Boavista, 1083, 4100-129, Porto.

Telephone: 22 608 6460

Banco L. J. Carregosa has appointed a Data Controller, who is in charge of monitoring compliance with the legislation, managing the interaction of data collected from data subjects, and for cooperating with the Portuguese Data Protection Authority, the national supervisory authority. Any questions regarding the processing of your personal data should be sent to the following e-mail:

dataprotection@bancocarregosa.com

Banco L. J. Carregosa collects your personal data in the following ways:

1.  Completion of account opening forms either online or in-person;

2.  Through the authentication and validation services of homebanking operations;

3.  Completion of forms to obtain consent to receive marketing communications or to participate in events and other promotional activities; and

4.  Using Banco L. J. Carregosas website.

Pursuant to the General Data Protection Regulation, processing means " any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction”.

Banco L. J. Carregosa promotes the lawful and transparent processing of your data, using validated forms of legitimation and using them only for the purpose described below.

Processing for contract performance purposes

Some personal data are processed by Banco L. J. Carregosa as they are proved to be necessary for the performance of a contract or for carrying out pre-contractual proceedings:

• Opening of accounts and recording and preservation of information necessary for the provision of banking and financial intermediation services.
• Provision of information as part of the marketing of products and services provided by the Bank, and investigation as to whether that are suitable to the client’s profile. 
• Management of the business relation through the recording of banking operations, in particular: transfers, transfer of titles, cheque and cash deposits, execution of orders in financial instruments, etc.
• Examination and response to complaints, requests for clarification, and suggestions.
• Adherence to and management of services linked to electronic channels, such as homebanking and e-trading platforms.
• Management of credit operations, in particular as regards the simulation and granting thereof, and also the provision of associated guarantees.

Processing based on a legal obligation

Banco L. J. Carregosa’s activity is subject to a set of legal requirements under which the bank has to collect and process a set of data, namely:

• Banco L. J. Carregosa’s activity is subject to a set of legal requirements under which the bank has to collect and process a set of data, namely:
• The body of legislation on financial intermediation, headed by the Second Markets in Financial Instruments Directive (MiFID II);
• Legislation applicable to the exercise of the banking activity, especially the Legal Framework of Credit Institutions and Financial Companies; and
• Regulatory legislation issued by Banco de Portugal and the Portuguese Securities Market Commission;

Determining risk profiles and investigation of knowledge, experience and investment objectives for the acquisition of certain financial instruments.

Using screening and filtering tools to prevent crimes related to money laundering and terrorist financing.

Responding to requests from supervisory bodies – Banco de Portugal and the Portuguese Securities market Commission – and from other public authorities.

Compliance with tax and accounting obligations.

Recording of images through videosurveillance cameras, in compliance with Decree-law No. 34/2013.

Recording of communications carried out when placing orders in financial instruments. 

Establishment of a documentary archive.

Processing based on the legitimate interest of the Bank

Data processing carried out based on the legitimate interest of Banco L. J. Carregosa aims, above all, to continuously improve the business relationship and client experience, unless the interests or fundamental rights and freedoms of the data subject prevail and require the protection of personal data, in particular if the data subject is a minor.

Providing information to clients on financial markets, technical analyses, etc...

Providing information to clients on financial markets, technical analyses, etc...

Using the historical data of interactions with clients and the financial information collected to define profiles and categories to increase the quality of communications and services provided.

Checking the levels of satisfaction and the quality of services provided.

Managing defaults (litigation) or the exercise/defence of a right, regardless of whether it is a legal proceeding or an administrative or out-of-court proceeding.

Accessing credit information systems in determining credit risk.

Keeping and managing information systems to protect their integrity, namely through access control and monitoring.

Processing based on the consent of the data subject

The data subject may enable Banco L. J. Carregosa to process certain data by giving their free, express, informed, specific and explicit consent (orally or by other verifiable means):

Collection of biometric data for the purpose of authenticating access to homebanking and validating operations.

Adapting the browsing experience on the Bank’s website, according to:   

• The counting the number of hits (visits to the site), visitor origin, site viewing time and the pages consulted within the website;
• The optimisation of contents, based on the browsing history; and
• The optimisation of browsing based on the operative systems and browsers used.

Call recording with a view to monitoring the quality of services. 

Other legal grounds for processing personal data set out in the General Data Protection Regulation are as follows:

• When the processing of data is necessary to protect a vital interest of the data subject or of any other person; and
• When the processing is carried out in the public interest and is done by a compliance officer vested with public authority.

Identity:

•    Full name;

•    Signature;

•    Gender;

•    Date of birth;

•    Tax identification number or equivalent number issued by a competent foreign authority;

•    Social Security identification number;

•    Civil identification number (Citizen Card, identity card, passport or residence permit), their issuing entity and date of issue/validity;

•    Nationality;

•    Place of birth;

•    Parentage;

•    Marital status;

•    Matrimonial property regime;

•    Name, address and TIN of fiscal representative, if applicable;

•    Politically Exposed Person status;

Biometric data

•    Facial images;

•    Voice recordings;

Professional information

•    Qualifications and academic background;

•    Profession and employer;

•    Professional address;

Contacts

•    Telephone;

•    Mobile phone;

•    E-mail address;

•    Permanent residence address;

•    Fiscal address;

Financial and business relationship data

•    Knowledge and experience in investment and financial instruments;

•    Financial situation;

•    Purposes to be assigned to the securitised bank account;

•    Business correspondence;

•    History of monetary transactions and financial instruments from, to and in accounts held at Banco L. J. Carregosa;

•    History of contacts with the support services;

•    Recordings of telephone calls.

Data collected indirectly through the Banco Carregosa website

•    Date, duration and location of visit to the website;

•    Browser type, operating system and details of the device;

•    IP address.

Banco L. J. Carregosa transmits your personal data to service providers and public authorities as required by law or only when necessary for the performance of contracts for financial intermediation and banking services. 

Your data will not be transferred to countries outside the European Economic Area unless the country in question is subject to an adequacy decision of the European Commission, offering safeguards at least equivalent to those in the General Data Protection Regulation regarding the protection of privacy rights of data subjects. Metadata collected during use on the Banco L. J. Carregosa website may be transmitted to third parties, including Google, Youtube, Vimeo, Facebook, Instagram, Linkedin, Twitter and companies of the Havas Media group.

Whenever requested by the data subjects, Banco L. J. Carregosa will identify the sub-contractors it used to provide its services.

Contact our Data Controller to clarify any queries regarding the transfer of your data to third parties.

•   Implementation of information system controls by computer; 

•   Provision of profiles for restricted access to data, based on a need-to-know basis, and respective control of consultations;

•  Installation of Firewalls to prevent unauthorised access.

In the case of processing based on consent, the data will be deleted as soon as the data subject withdraws consent or exercises the right to erasure. As regards the data collected based on legal requirements, Banco L. J. Carregosa is obliged by Article 51(1) of Law No. 83/2017 to retain, for a period of 7 years after the end of the business relationship, the following elements:

• The copies, records or electronic data obtained from all documents obtained or made available to the Bank by clients or any other persons under the identification and due diligence measures provided for in the law referred to in the preceding paragraph;
• The documents of the processes or files concerning their customers and their accounts, including any commercial correspondence sent;
• Any documents, records and analyses, internal or external, establishing compliance with the legal and regulatory provisions in the said law.

Additionally, pursuant to Article 6(f) of the General Data Protection Regulation, the data referred to above and also those relating to the use of accounts held with Banco L. J. Carregosa – including, but not limited to, bank and financial statements, proof of transactions and invoices – may be kept until the limitation period for contractual liability which, under the law, is set at 20 years.

If you are a client of Banco L. J. Carregosa, you can withdraw consent for the processing of data collected based on this form of legitimation through your homebanking, under the “Settings” tab, or by contacting the Data Controller. If you do not have access to homebanking, you should contact our Data Controller.  

If you are not our client, you can manage the topics of interest you have subscribed and consented to using the link provided in the marketing communications we sent you. Alternatively, you can contact our Data Controller.

The General Data Protection Regulation strengthens the guarantees already provided by previous legislation and also grants new rights to data subjects. Therefore, you may exercise the following rights with Banco L. J. Carregosa:

•  Request additional information regarding the types of data kept, the purposes of their processing, and to whom they are transmitted;
• Request copies of data;
• Request the portability of your data provided under the performance of the contract to another data controller;
• Demand the rectification of inaccurate or incorrect data;
• Request the deletion of data in respect of which processing has become unlawful, for example, because you have withdrawn consent or because the retention period imposed by mandatory legislation has expired;
• Oppose to the processing when it is carried out on the basis of public interest or in the interest of the data controller and there are no compelling legitimate reasons overriding the interests, rights and freedoms of the data subject, or the data are not necessary for establishing, exercising or defending legal claims.
• Demand the limitation of processing operations in the following cases:
  • When you contest the accuracy of your data;
  • When the processing of your data has become unlawful, but you do not intend to request the deletion thereof;

Whenever you exercise any of these rights, Banco L. J. Carregosa or the Data Controller will reply within one month. In cases where the request is particularly complex, this deadline will be extended by one month and the reply will be accompanied by a statement of reasons.

If the reply from Banco L. J. Carregosa or from our Data Controller does not meet your expectations or if you are dissatisfied with the processing operations carried out, you should lodge a complaint with the Portuguese Data Protection Authority, the competent supervisory authority, through the following contacts:

Address: Rua de São Bento, n.º 148, 3º, 1200-821, Lisbon.

Telefone: 213928400

E-mail: geral@cnpd.pt