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This Cookie Policy explains how BC “EuroCreditBank” S.A. uses cookies and similar technologies on the Bank’s official website.
The purpose of this Policy is to inform website visitors about the types of cookies used, their purposes, retention periods, and the ways in which they can be managed or disabled.
This Policy has been developed in accordance with Law No. 195/2024 on Personal Data Protection, which transposes Regulation (EU) 2016/679 (GDPR) into the legislation of the Republic of Moldova. The personal data controller is BC “EuroCreditBank” S.A., with its registered office in the Republic of Moldova, MD-2001, Chișinău municipality, 33 Ismail Street. Cookies that are not strictly necessary are placed on the user’s device exclusively on the basis of the user’s prior consent, expressed in accordance with this Policy.
1. What are cookies?
Cookies are small files, usually consisting of letters and numbers, which are stored on the computer, mobile phone, tablet, or other device used by the user to access the Internet.
These files allow the website to recognise the user’s device and remember certain information about browsing activity, preferences, or actions performed on the website.
Cookies are not software programs, cannot execute code, and cannot access information stored on the user’s device other than the information for which they were created.
2. What are cookies used for?
Cookies are used to ensure the proper functioning of the website, improve the browsing experience, and analyse how visitors interact with the website’s pages.
For example, cookies may enable the website to:
remember the user’s browsing preferences;
ensure that pages are displayed correctly;
contribute to the security and stability of the website;
collect aggregated statistical data regarding website usage;
help the Bank improve the structure, content, and functionality of the website.
Cookies used for statistical or analytical purposes are generally used in a manner that does not allow the user to be directly identified.
3. Types of cookies used
The website may use the following categories of cookies:
3.1. Strictly necessary cookies
These cookies are essential for the operation of the website and enable the use of basic functions, such as navigating between pages, accessing secure areas, or displaying content correctly.
Without these cookies, certain sections or functionalities of the website may not operate properly.
Strictly necessary cookies do not require the user’s consent because they are essential for providing the service requested by accessing the website.
3.2. Preference cookies
These cookies allow the website to remember certain options selected by the user, such as the preferred language or other display settings, in order to provide a more personalised browsing experience.
Preference cookies are placed only on the basis of the user’s prior consent, expressed through the cookie management module.
3.3. Analytics/statistics cookies
These cookies help the Bank understand how visitors use the website, which pages are accessed most frequently, how long users spend on the website, and whether browsing errors occur.
The information collected through these cookies is used to improve the website and the published content.
Analytics/statistics cookies are disabled by default and are placed only on the basis of the user’s prior consent.
3.4. Marketing or communication cookies
Where the website uses such cookies, they may be used to display messages, campaigns, or information tailored to users’ interests.
These cookies are disabled by default and will be used only to the extent that they are implemented on the website and exclusively on the basis of the user’s prior consent, which must be freely given, specific, informed, and unambiguous.
4. Session cookies and persistent cookies
Depending on the storage period, cookies may be:
Session cookies
These cookies are temporary and are automatically deleted when the browser is closed.
Persistent cookies
These cookies remain stored on the user’s device for a specified period or until they are manually deleted by the user through the browser settings.
The retention period of each cookie depends on the purpose for which it is used and on the website’s technical configuration.
The cookies used on the website www.ecb.md, grouped by category and specifying the domain, description, expiry period, and legal basis for processing, are presented in the tables below. The legal basis is legitimate interest for cookies necessary for the operation of the website or the user’s prior consent for all other cookies. The updated list is also available in the Privacy Preference Centre under “Cookie Settings”.
Essential cookies
Permanently active; consent is not required
These cookies are essential for the basic operation and security of the website. They allow users to browse the website and use its functions, including accessing secure areas.
| Cookie name | Domain | Description | Expiry | Legal basis |
|---|---|---|---|---|
| PHPSESSID | ecb.md | A cookie native to PHP applications. It stores and identifies the user’s unique session ID for the purpose of managing the session on the website. It is a session cookie and is deleted when all browser windows are closed. | Session | Legitimate interest, as it is necessary for the operation of the website |
Performance cookies
Placed only on the basis of prior consent
These cookies help us understand how visitors use the website, enabling us to improve the user experience and the website’s efficiency.
| Cookie name | Domain | Description | Expiry | Legal basis |
|---|---|---|---|---|
| _ga | ecb.md | Tracks unique visitors and calculates data such as sessions and campaigns for Google Analytics. | 1 year and 1 month | Consent |
| ga* | ecb.md | Google Analytics cookie. | 2 years | Consent |
| ga<ID> | ecb.md | Maintains session status and improves performance metrics for Google Analytics. | 1 year and 1 month | Consent |
| ar_debug | google-analytics.com | Enables debugging mode for Google Analytics, allowing more detailed diagnostics. | Session | Consent |
Functionality cookies
Placed only on the basis of prior consent, except for the cookie used to remember user choices
These cookies improve the usability and performance of the website by remembering user preferences and providing additional functionalities.
| Cookie name | Domain | Description | Expiry | Legal basis |
|---|---|---|---|---|
| CookieConsent | ecb.md | Stores the user’s preferences regarding the use of cookies on the website. | 1 year | Legitimate interest in retaining the expressed consent choices |
| FPLC | ecb.md | Remembers preferences regarding website performance and functionality, such as the preferred language or region. | 20 hours | Consent |
Targeting/advertising cookies
Placed only on the basis of prior explicit consent
These cookies are used to track user behaviour and deliver personalised advertising.
| Cookie name | Domain | Description | Expiry | Legal basis |
|---|---|---|---|---|
| FPID | ecb.md | Tracks the user’s behaviour and preferences to improve personalisation. | 1 year and 1 month | Consent |
| _fbp | ecb.md | Used by Facebook (Meta) to deliver targeted advertising and measure the effectiveness of advertising campaigns. | 3 months | Consent |
| _gcl_au | ecb.md | Enables Google AdSense to test the effectiveness of advertising on websites. | 3 months | Consent |
| ads/ga-audiences | google.com | Helps Google Ads create audience segments for more accurately targeted advertising. | 3 months | Consent |
5. Third-party cookies
In certain situations, the website may include content, functionalities, or tools provided by third parties, such as statistical analytics services, maps, video materials, security modules, or communication tools.
These third parties may place their own cookies on the user’s device in accordance with their own privacy and cookie policies.
BC “EuroCreditBank” S.A. recommends that users consult the privacy policies of third-party providers where applicable.
Where the use of third-party cookies involves the transfer of personal data outside the Republic of Moldova, such transfers shall be carried out only in compliance with the conditions governing personal data transfers under Law No. 195/2024, including through the application of appropriate safeguards.
We collect certain data while you use the EuroCreditBank website in order to ensure its proper operation, provide security during browsing, and comply with applicable regulations. We also require your consent while you browse the website in order to:
study how you use our website and other services so that we can improve them;
determine which of our products, services, and offers may be relevant to you;
tailor the marketing messages you see on social networks, in applications, and on other websites.
1. Cookie categories
| Cookie category | Default status | Description / Purpose |
|---|---|---|
| Strictly necessary cookies | Permanently active and cannot be disabled | These cookies are necessary for the operation of the website and cannot be disabled in our systems. They are usually configured in response to actions taken by you in order to receive services, such as setting your privacy preferences, logging into the website, or completing forms. You may configure your browser to block these cookies or alert you to their presence, but certain parts of the website will no longer function. These cookies do not store personally identifiable information. |
| Analytics cookies | Inactive | These cookies allow us to count visits and traffic sources so that we can measure and improve the performance of our website. They help us understand which pages are more or less popular and how many people visit the website. All information collected by these cookies is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you visited our website and will not be able to monitor its performance. |
| Advertising cookies | Inactive | These cookies may be placed on our website by our advertising partners. These companies may use them to create a profile of your interests and display relevant advertisements on other websites. They do not store personal information directly but rely on the unique identification of your browser and Internet-connected device. If you do not allow these cookies, you will receive less personalised advertising. |
2. Available buttons and options
| Button / Option | Function |
|---|---|
| Confirm my selections | Saves only the settings manually selected by the user. |
| Reject all | Rejects all optional cookies, including analytics and advertising cookies; only strictly necessary cookies remain active. |
| Accept all / Allow all | Activates all categories of cookies. |
| Cookie Settings | Opens the Privacy Preference Centre, where the user can select cookie types by category. |
3. General information
| Aspect | Details |
|---|---|
| Purpose of data collection | Ensuring the proper operation of the EuroCreditBank website, maintaining security during browsing, and complying with applicable regulations. |
| Consent-based uses | Studying how the website and other services are used in order to improve them; determining relevant products, services, and offers; tailoring marketing messages displayed on social networks, in applications, and on other websites. |
| Additional information | Details regarding first-party and third-party cookies are available in the Cookie Policy published on the EuroCreditBank website. |
| Changing preferences | Preferences may be changed at any time by clicking the “Cookie Settings” link at the bottom of any page on the website. |
6. Do cookies contain personal data?
Cookies themselves do not always request personal data and, in many cases, do not allow the user to be directly identified.
Information collected through cookies that enables a natural person to be directly or indirectly identified, such as online identifiers, unique device identifiers, IP addresses, preferences, or browsing behaviour, constitutes personal data within the meaning of Law No. 195/2024.
Where data collected through cookies constitutes personal data, it is processed by BC “EuroCreditBank” S.A. in accordance with Law No. 195/2024 on Personal Data Protection and the Bank’s Privacy Policy.
7. Consent to the use of cookies
When the website is accessed for the first time, the user is shown a cookie management module/banner through which the user is informed about the cookies used and may give or refuse consent for each category of cookies before any cookie that is not strictly necessary is placed on the user’s device.
Strictly necessary cookies are used for the operation of the website and cannot be disabled through the consent module. However, they may be blocked through the browser settings, with the risk that certain website functionalities may no longer operate properly.
Cookies that are not strictly necessary, including preference, analytics/statistics, and marketing cookies, are placed exclusively on the basis of the user’s prior consent. Consent means a freely given, specific, informed, and unambiguous indication of the user’s wishes, expressed through a clear affirmative action, such as clicking the appropriate button in the consent module. Simply continuing to browse, scrolling through a page, or remaining inactive does not constitute consent, and the options in the consent module are not pre-selected.
Refusing optional cookies does not limit or restrict the user’s access to the website’s content.
The user has the right to withdraw consent at any time as easily as it was given by accessing the “Cookie Settings” link available on the website. The withdrawal of consent does not affect the lawfulness of processing carried out before the withdrawal.
The Bank retains evidence of the consent given so that it can demonstrate, in accordance with Law No. 195/2024, that the user consented to the processing of their data.
The user may change their cookie preferences at any time by accessing the settings available on the website or changing the settings of the browser being used.
8. How can cookies be managed or disabled?
The user may control and/or delete cookies at any time through the settings of the browser being used.
Most browsers allow users to:
view existing cookies;
delete cookies;
block cookies for certain websites;
block all cookies;
configure the browser to delete cookies when it is closed.
Cookie settings are generally available in the browser’s “Options”, “Settings”, “Privacy”, or “Security” menu.
Blocking or disabling cookies may affect the browsing experience and prevent certain sections of the website from operating properly.
9. Security and confidentiality
Cookies are not viruses and cannot execute code. However, because they may store information regarding the user’s browsing activity or preferences, they must be managed carefully.
For secure browsing, we recommend that users:
use updated browsers;
avoid accessing websites through unsecured public Wi-Fi networks;
avoid saving passwords or sensitive data on shared devices;
periodically delete browsing history and cookies, especially on shared devices;
use updated security solutions;
periodically review the browser’s privacy settings.
BC “EuroCreditBank” S.A. applies reasonable technical and organisational measures to protect the information processed through the website.
10. Rights of data subjects
In accordance with Law No. 195/2024, to the extent that personal data is processed through cookies, users have the following rights:
the right of access to personal data;
the right to rectification of inaccurate or incomplete data;
the right to erasure of data, also known as the “right to be forgotten”;
the right to restriction of processing;
the right to data portability;
the right to object to processing;
the right to withdraw consent at any time;
the right not to be subject to a decision based solely on automated processing, including profiling.
To exercise these rights, users may submit a request to the Bank using the contact details provided in this Policy. The Bank will respond to the request without undue delay and, in any event, within one month of receiving it. This period may be extended under the conditions provided by law.
Users also have the right to lodge a complaint with the National Centre for Personal Data Protection of the Republic of Moldova (NCPDP), located at 48 Serghei Lazo Street, Chișinău municipality, www.datepersonale.md, and the right to bring proceedings before a court.
11. Privacy of minors
The Bank’s website is not intended for minors, and the Bank does not knowingly collect children’s personal data through cookies.
Where processing is based on consent in connection with information society services offered directly to a child, the conditions governing children’s consent under Article 8 of Law No. 195/2024 shall apply, including the requirement that consent be given or authorised by the holder of parental responsibility, where applicable.
If you have reason to believe that a child has provided us with personal data through the website, please contact us using the contact details provided in this Policy, and the Bank will take measures to promptly delete such data.
12. Updates to the Cookie Policy
BC “EuroCreditBank” S.A. may update this Cookie Policy whenever necessary, including as a result of legislative, technical, or operational changes.
The updated version of the Policy will be published on the Bank’s official website and will enter into force on the date of publication unless otherwise specified.
13. Contact details
For questions regarding the use of cookies or the processing of personal data through the website, users may contact BC “EuroCreditBank” S.A. using the following contact details:
DATA PROTECTION OFFICER – Eduard Răducan
Email: date.personale@ecb.md
Telephone: +(373) 22-500-186
Address: Republic of Moldova, MD-2001, 33 Ismail Street
For additional information regarding the processing of personal data, please consult the Privacy Policy available on the Bank’s official website.
