The NBKS Digital Services, S.A., a commercial company with the Taxpayer Identification Number 515026522, with head office at Avenida 25 de Abril, 381, in Valongo (hereinafter referred to as nBanks), 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 the contact between financial institutions and the User, and enabling him to become knowledgeable of and to access the financial products and offers of the financial institutions registered on the platform and operating on the market.

The purpose of this Privacy Policy is to inform users of the Platform with regard to the protection of personal data and privacy. If you have any questions, please contact us at the email address privacy@nbanks.net.

2.1 Identity and Contact Details of the Person in Charge of Personal Data Processing
NBKS Digital Services, S.A.,
Avenida 25 de abril,
381, 4440-502 Valongo
privacy@nbanks.net

2.2 Contact Details of the Data Protection Officer Not applicable.

2.3. Purposes and Basis 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 which for these purposes is established with the users, as well as because the users provide their consent to the processing for these purposes.

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

2.4. Recipients of Personal Data.
Only with regard to the loyalty program, the NBKS may provide third parties with the personal data of users, for the purpose of execution of this contract, in particular with a view to the withdrawal or delivery of the rewards awarded.
In the case of the organization of hobbies, the NBKS can provide third parties with the personal data of users participating in these hobbies, based on your consent, for the purposes of direct marketing, without prejudice to the information obligations to be provided by these third parties.

2.5. Term of Retention of Personal Data
Personal data is kept for the entire period necessary for the provision of the services provided by NBKS.
Once this period has ended, NBKS retains customer data for the following period of time: two years.
With a view to continuous improvement, development and innovation of its products and services, the NBKS can keep beyond this period of time, the user data proceeding to its anonymization in accordance with best practices, ie, ensuring that the data are made unidentifiable irreversibly and definitively.

2.6. Access, Rectification, Erasure and Portability of Personal Data
The holders of personal data have the right to request NBKS, under the terms resulting from the legal regulations in force on personal data protection, 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 may be requested through the contact means identified above.

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

2.8. Automated Decisions and Definition of Profiles
Users may be profiled in order to present them with the content that is of most interest and most appropriate to the profile defined. Through the Platform, NBKS processes the following personal data of its users, for which reason the following information is provided to the holders: full name of the user, e-mail 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 April 30, 2019.
NBKS continually reviews its privacy practices and conducts regular training and monitoring of persons involved in our privacy-related activities.