Understand cookies and why we use them

What are cookies?

Cookies facilitate certain features that can make the surfing experience more convenient and valuable for website users. A "cookie" is a small piece of information a web server can store on your web browser. This is useful for having your browser remember specific information the web server can retrieve later. Some cookies are "set" on your web browser as you browse the web. When you quit your browser, some cookies are stored in your computer's memory in a cookie file, while some expire or disappear. The cookie is set on a particular browser on a particular computer, so when you use a different computer, that cookie will not exist.

Use of cookies

- We obtain information about your general internet usage through a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us improve our website and deliver a better and more personalised service.

- When you use and access the BREAKTHROUGH Xclusive website, we may place a number of cookie files in your web browser.

- Strictly necessary cookies are essential to let you move around the website and use its features, such as accessing secure areas and digital banking. These cookies allow our website to provide services at your request. BREAKTHROUGH Xclusive may use essential cookies to authenticate users and prevent fraudulent use of user accounts.

- We use cookies for the following purposes: to enable certain functions of the BREAKTHROUGH Xclusive website, to provide analytics, to store your preferences, and to enable advertisement delivery, including behavioural advertising.

- Performance cookies collect information about how you use our website e.g. which pages you visit most often, and if you experience any error messages. They also allow us to update our website, improve performance and tailor it to your preferences. These cookies do not collect any information that could identify you - all the information collected is anonymous. They will not be used to target adverts to you on other websites.

- BREAKTHROUGH Xclusive uses both session and persistent cookies on the BREAKTHROUGH Xclusive website and uses different types of cookies to run the website.

- Functionality cookies are used to remember the choices you make, e.g. your user name, login details and language preferences. They also remember any customisations you make to the website to give you enhanced, more personal features of your digital banking experience.

- BREAKTHROUGH Xclusive may share any information and data with third parties based on your permission obtained for receiving information on special offers by using this site and you hereby explicitly agree to the collection and use of the said data by BREAKTHROUGH Xclusive for the purpose described.

- BREAKTHROUGH Xclusive and/or third parties may use such information or data to identify you on social media platforms in order to provide you with the latest products, offers or incentives offered by BREAKTHROUGH Xclusive or such third parties.

- Third-party cookies: In addition to our own cookies, we may also use various third-party cookies to report usage statistics of the BREAKTHROUGH Xclusive website, deliver advertisements on and through the website, and so on.

For example, we embed video content on our website from YouTube. As a result, when you visit a page on our website with content embedded from YouTube, you may be presented with cookies from their website. BREAKTHROUGH Xclusive does not control the distribution of these cookies.

- Cookies allow users to indicate what types of information they are interested in receiving when they visit a particular website. Users can then view only what they are interested in and not waste time with news or information that may not be relevant to them.

- Tracking allows site owners to find out what pages visitors link to, and interpret or infer what is interesting to them. This helps the owners of sites to keep their content fresh and relevant.

- Targeting cookies collect information about your browsing habits to deliver adverts which are more relevant to you and your interests. They also measure the effectiveness of advertising campaigns.

- Cookies can be used to build a profile of where on a particular site you visit. This information is then used to target advertising that might be of interest to you. Some sites use cookies to "remember" which advertisements were sent to you so that you do not see the same ones again.

- Cookies cannot be used to obtain data from your hard drive, get your e-mail address or steal sensitive or personal information about you, and computer viruses are not passed through the setting or use of cookies. The only way that any private information could be part of your cookie file would be if you personally gave that information to a web server. Also, each cookie can only be read by the server that set it, so strange servers cannot view or steal the information in a cookie that you have previously accepted.

What are your choices regarding cookies?

If you want to disallow, delete or refuse to accept cookies, you can do so on your web browser. However, if you select this setting, you may be unable to access certain parts of the BREAKTHROUGH Xclusive website or all of the features we offer. You may also be unable to store your preferences, and some of our pages might not display properly. Unless you have adjusted your browser setting to refuse cookies, our system will issue cookies when you log into our site. Please note that our advertisers may also use cookies over which we have no control. For information on how to control and/or disable your cookies, please visit www.allaboutcookies.org