NBKS Digital Services, S.A., a commercial company with the Tax Identification Number 515026522, with its registered office at Rua do Godim, 389 - Porto. Postal Code: 4300-340 - Porto, through its platform available on the Internet at www.nbanks.net (hereinafter referred to as the Platform or nBanks Platform), provides a digital platform, on a global scale, which makes information and financial information management services available to the User, facilitating contact between financial institutions and the User, allowing the latter to be aware of and have access to financial products and offers from financial institutions registered on the platform and operating in the market.

This Privacy Policy aims to inform users of the Platform regarding the protection of personal data and privacy. If you have any questions, please contact us at privacy@nbanks.net.

2.1 Identity and Contact Details of the Data Controller
NBKS Digital Services, S.A.,
Rua do Godim, 389 - Porto
4300-340 - Porto
privacy@nbanks.net

2.2 Contact Details of the Data Protection Officer Not applicable.

2.3 Purposes and Grounds for Processing Personal Data.
NBKS processes the personal data of its users for the following purposes (i) operation of its Platform.

The processing of the data collected for these purposes is lawful because it is necessary for the performance of the contract established with the users for these purposes, as well as because the users give their consent to the processing for these purposes.

NBKS does not process special categories of personal data, namely personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, genetic data, biometric data, data concerning health or data concerning sex life or sexual orientation.

2..4 Recipients of Personal Data.
Only with regard to the loyalty program, NBKS may provide third parties with the personal data of users, for the purpose of executing this contract, namely with a view to collecting or delivering the rewards awarded.
In the case of organizing contests, NBKS may provide third parties with the personal data of users participating in these contests, based on their consent, for the purpose of direct marketing, without prejudice to the information obligations to be provided by these third parties.

2.5 Personal Data Retention Period
Personal data is kept for the entire period necessary to provide the services provided by NBKS.
Once this period has elapsed, NBKS retains customer data for the following period of time: two years.
With a view to the continuous improvement, development and innovation of its products and services, NBKS may retain user data beyond this period by anonymizing it in accordance with best practice, i.e. by ensuring that the data is rendered irreversibly and definitively unidentifiable.

2.Access, Rectification, Erasure and Portability of Personal Data
The holders of personal data have the right to request from NBKS, under the terms resulting from the legal rules in force on the protection of personal data, access to personal data concerning them, their rectification and erasure, limitation and opposition to processing, as well as their portability.
The exercise of these rights can be requested through the means of contact identified above.

2.7 Complaint
The holders of personal data have the right to lodge a complaint with the National Data Protection Commission, under the terms resulting from the legal rules in force regarding the protection of personal data.

2.8. Automated Decisions and Definition of Profiles
User profiles may be defined in order to present them with the content that is of most interest and most suited to the profile defined. Through the Platform, NBKS processes the following personal data of its users, which is why the following information is provided to its owners: user's full name, email address.

NBKS uses cookies and similar technologies as part of its activities and therefore the following information is provided to the owners.

3.1. Definition of Cookies and Similar Technologies
Cookies are small text files stored on the user's computer, smartphone or other device when accessing a website. They allow us to recognise a particular device and store information about your preferences. For the same purposes, other technologies are used, such as pixel tags or other forms of local storage.

3.2. Cookies and Similar Technologies Used
NBKS uses its own and third-party cookies and similar technologies, aimed at guaranteeing and improving the operation of the Platform, assisting users in their browsing, assisting users in their registration, remembering users' settings during and between visits, analysing the use of the services and applications associated with the services provided, providing advertisements, analysing promotional and marketing actions and enabling content sharing on social networks.

3.3. Consent and Refusal
By using the Platform you consent to the use of cookies and similar technologies.
You can disable the use of cookies and similar technologies in your web browser. However, doing so may limit the proper functioning of the Platform.
If you do not accept the use of cookies and similar technologies and do not disable them in your web browser, you should leave the Platform and not use it.

This Privacy Policy is effective as of May 8, 2025.
NBKS continually reviews its privacy practices and conducts regular training and monitoring of those involved in our privacy-related activities.