Cookie Policy

We use Cookies in various places on our website as technically required to provide the requested services or based on your consent to better tailor our offers and services to your needs. Any reference to the term “cookies” shall also be deemed to include other technologies with similar purposes, for example pixel tags. A cookie is a small text file that is downloaded onto your device when you access a website. Those text files do not store personal data that makes you directly identifiable, such as name or address, but possibly information that relates to you as a user, to your settings or to your device, which makes you recognizable. As a result, you can have a more personalized web experience. You can set your browser to notify you when a cookie is set and to let you choose from case to case if you want to accept a cookie or not. You can also adjust your browser to block all cookies.

You can select the permissible service providers individually and also revoke or re-issue consent at any time by clicking on the link in the cookie declaration. For more details about the used cookies, for revoking your consent or for enabling cookies, and the setting of these please klick

If you visit or use our website, our system automatically records access data of your device and browser:

• type, version and settings of your browser;
• your operating system and service provider;
• visited websites and files;
• the website visited prior to accessing our website; and
• the IP-address allocated to your device.

We need to process these logfiles in order to ensure the functionality, stability and security of our website. We may also store and use these data in connection with forensic investigations in the event of a security incident or to create user statistics. In connection with statistic purposes we only use an anonymized version of your IP-address. The legal basis is our legitimate interest thereto: Art 6 para 1 lit f GDPR.

A first-party cookie is created and stored by the website you are visiting directly (i.e., are generated by the host domain).

Third-party cookies are created and placed by third parties other than the website you are visiting directly. Please note that some third-party cookie providers process data in the USA. You can find out which ones in the cookie banner and in this cookie policy (see below).  The transmission of personal data to the USA to those third-party providers is based on the EU Commissions adequacy decision (the EU-U.S. Data Privacy Framework).

These cookies are necessary for the basic functions of the website and are used to store your user settings and preferences (e.g. saving your input in form fields to protect against unwanted loss) as well as to enable and secure authentication. These cookies assign a randomly generated ID to your browser. The data processing is based on our legitimate interest in the secure design and convenient use of our contents and generally in the provision of our services on the specific website visited. No information about you is collected which is used for marketing and statistical purposes. Furthermore, we may use information for fraud prevention and to ward off service overloading requests (denial of service attacks). This category of cookies cannot be deactivated.

This information is anonymized immediately after the cookie is set respectively the website is visited and enables us to gain knowledge about the use, functionality and user-friendliness of websites and apps, to advertise our content, to place it in a targeted manner and to improve it continuously. We carry out range and performance measurement: We obtain information about the number of website visitors, page views and the usage habits of visitors to a website or app.

For anonymous statistical evaluation, derivation of synthentical marketing data and extended security precautions during visits to our website, we use services of the company JENTIS GmbH, Schönbrunner Straße 231, 1120 Vienna ("JENTIS"). For this purpose, data is transmitted to JENTIS, which JENTIS evaluates on our behalf in anonymized form. This means that JENTIS GmbH only processes data that cannot be traced back to an identifiable person. In addition, we use JENTIS to anonymize your personal data before transferring it to a third country, thus protecting your data.You can view the data protection provisions of JENTIS at the following link: https://www.jentis.com/privacy-policy/

For optimizing our landing pages and improving our services, we may record your session with Mouseflow, a website analytics tool recording your mouse movement on our website. Please note that no personal data is processed during session recording or is shared with third parties.

Cookies used for this purpose are only set with your consent. You can withdraw your consent to this processing at any time with effect for the future by using this selection option, your browser settings or plug-ins.

With your consent, we use personalized cookies, pixels and scripts from third-party providers as a way to evaluate the effectiveness and success of our marketing tools and to better align them. These tools are used to draw conclusions on your interests and needs based on the analysis of your behavior, as well as to segment users with the same or similar interests and needs so that we can offer you advertising or content that is target-oriented and tailored to your needs and interests.Some of the tird-party providers are located in the USA. The transmission of personal data to those third-party providers is based on the EU Commissions adequacy decision (the EU-U.S. Data Privacy Framework).

The processing is carried out for a maximum period of three years or until withdrawal of consent. Withdrawal of consent does not affect the lawfulness of the processing that took place until the withdrawal.

Based on cookies and information provided by JENTIS according to the above, Raiffeisen Digital Bank may track the behavior of visitors on the website and collect information regarding some
identified events, in particular regarding the intention to navigate/access certain pages, to complete existing forms in order to access certain products and/or services, the status of their completion and the capture of some of the information completed by the visitor in the form fields in a hash form, such as information regarding telephone number and e-mail address, even
if the visitor does not complete the process of completing and submitting the form. As a result of collecting this information, Raiffeisen Digital Bank will be able to verify and map the identity of visitors based on information in the Bank's systems, in order to determine whether or not the visitor is a customer of the Bank (or has a relationship with the Bank). For visitors who do
not complete the online form (customers or non-customers), Raiffeisen Digital Bank will be able to identify the website visitors' interest/preference for the Bank's product/service and may decide to include personalized communications for them (i.e., banner type), at a later time, when they return to the website, to remind them of the possibility to continue/complete the online form. For visitors who are identified as customers of the Bank, the Bank may also decide to send them commercial communications, via e-mail/SMS, if they have expressed their consent to receive such direct marketing communications. We will proceed with such activities only if the visitor expresses their consent in this regard, at the time of accessing the website.