What are cookies?
In general, cookies are small text files, which may contain a single anonymous ID code and are usually sent from a web server of the website visited on the user’s terminal (computer, notebook, tablet, smartphone), to the browser of the website’s visitor, to be subsequently re-sent to the visited website on the subsequent visit. Cookies are then read again and identified only by the website which has sent it on each subsequent visit. During navigation, users may also receive on their terminal cookies which are sent from other websites or web servers (so-called “third parties”), which main contain some elements (such as, for example, images, maps, sounds, specific links to pages of other domains) present on the website users are visiting.
Cookies may be used for various purposes: monitoring sessions, storing information on specific configuration regarding users accessing the server, computer authentications, etc.
It is possible to define and classify them in various ways. A possible distinction is between the two macro-categories of “technical” and “profiling” cookies.
1. Technical cookies
Technical cookies are used for the sole purpose of “transferring a communication on an electronic communications network, or insofar as this is strictly necessary to the IT service provider that has been explicitly requested by the subscriber or user to provide said service” (see section 122, par. 1, of the Privacy Code).
They are not used for additional purposes and are normally installed directly by the website holder or manager. They may be broken down as follows:
a) navigation or session cookies: they ensure the normal website navigation and use of online services(for example, purchase or authentication to access reserved areas);
b) analytics cookies: they are similar to technical cookies when used directly by the website manager to collect information in aggregated form on the number of users and on how they visit the website;
c) functionality cookies: they enable users to navigate based on a set of selected criteria (for example, language, and the products selected for purchase) in order to improve the service provided.
2. Profiling cookies
Profiling cookies are aimed at creating user profiles and are used to send advertising messages in line with the preferences shown by users while they surf the internet. Italian and European rules and regulations provide that web users shall be adequately informed on the use of such cookies and express their consent.
The browser may be set to accept all cookies, to reject them all or to receive a notice at the time of receipt.
It is also possible to delete the cookies which have been stored on one’s computer.
In the following websites it is possible to find information on the most widespread browsers and set them with respect to cookies:
Without prejudice to the clarifications provided below, we hereby specify that if the user decides to block cookies completely, some services provided by Banco Desio mandatorily requiring them may be unavailable: However, most of the services provided through Banco Desio’s website do not require the acceptance of cookies.
Banco Desio uses exclusively technical cookies (including analytics cookies).
- track navigation sessions on its website in anonymous form
- avoid to submit opinion surveys or pop-up windows, if any, twice
- record answers provided by users in relations to promotions, if any, in anonymous form.
Cookies are in no case used for profiling purposes.
Third party cookies, such third parties including partner companies or companies belonging to the Banco Desio Group.
In the specific case of branch search through the Banco Desio’s website, Google maps may register the user’s geographic position on cookies.
At Banco Desio’s discretion, the contents of this document may be amended in the future, for example in the case Banco Desio adds or removes options or characteristics of its own services and products, or should Banco Desio decide to avail itself of new content providers.