Cookie Policy

At Edinburgh Capital Bank (hereinafter, “the Bank”, “we”, or “us”), we value your privacy and are committed to transparency in the use of tracking technologies, such as cookies. This policy explains in detail what cookies are, how we use them, your rights, and how to manage your preferences.

1. What Are Cookies?

Cookies are small text files stored on your device (computer, smartphone, or tablet) when you visit our website or use our digital services. These files enable the website to “remember” your actions or preferences over time, enhancing your browsing experience and allowing us to optimise our services.

2. Types of Cookies We Use

We classify cookies based on their purpose, duration, and origin:

A. By Purpose:

1. Strictly Necessary Cookies

   • Purpose: Essential for the technical operation of the website (e.g., accessing secure areas like your banking account, processing payments, or maintaining login sessions).

   • Examples: User authentication, server load balancing, fraud prevention.

   • Legal Basis: Legitimate interest (Article 6(1)(f) UK GDPR).

2. Performance and Analytics Cookies

   • Purpose: Collect anonymised data about how you interact with our website (pages visited, session duration, error reports).

   • Examples: Google Analytics, Hotjar (heatmaps and session recordings).

   • Legal Basis: Explicit consent (Article 6(1)(a) UK GDPR).

3. Functional Cookies

   • Purpose: Personalise your experience by remembering preferences (e.g., language, regional settings, device type).

   • Examples: Accessibility adjustments, default text size.

   • Legal Basis: Explicit consent.

4. Advertising and Targeting Cookies

   • Purpose: Deliver relevant ads based on your browsing behaviour, both on our site and third-party platforms.

   • Examples: Facebook Ads, Google Ads, LinkedIn cookies.

   • Legal Basis: Explicit consent.

B. By Duration:

• Session Cookies: Deleted automatically when you close your browser.

• Persistent Cookies: Remain on your device until expiry or manual deletion (e.g., login retention for 30 days).

C. By Origin:

• First-Party Cookies: Set by our domain (edinburghcapitalbank.com).

• Third-Party Cookies: Set by external domains (e.g., analytics or advertising partners).

3. Detailed List of Cookies

Below is a list of specific cookies used on our website:

4. Why Do We Use Cookies?

• Ensure technical functionality and security of transactions.

• Analyse user behaviour to improve website performance.

• Personalise content and offers based on your interests.

• Measure the effectiveness of advertising campaigns.

5. Consent and Managing Cookies

A. Your Consent

• On your first visit to our website, a cookie banner will prompt you to accept or reject non-essential cookies.

• You may adjust preferences anytime via our Cookie Preferences Centre, accessible in the website footer.

B. How to Block or Delete Cookies

• Browser Settings:

  • Chrome

  • Safari

  • Firefox

  • Edge

• Third-Party Tools:

  • Manage advertising cookies via platforms like Your Ad Choices.

C. Consequences of Disabling Cookies

• Disabling non-essential cookies may limit access to certain features (e.g., personalisation or analytics tools).

• Strictly necessary cookies cannot be disabled, as they are critical for core functionalities (e.g., account access).

6. International Data Transfers

Some third-party cookie providers (e.g., Google or Meta) may process data outside the UK. In such cases, we ensure compliance with UK data protection laws through mechanisms like Standard Contractual Clauses (SCCs) or adequacy decisions.

7. Your Rights Under UK GDPR

You have the right to:

• Withdraw consent at any time.

• Access data collected via cookies.

• Request rectification or erasure of personal data.

• Lodge a complaint with the Information Commissioner’s Office (ICO).

To exercise these rights, contact us at [email protected].

8. Policy Updates

We review this policy annually or as required by legal or operational changes. Archived versions are available upon request.

9. Contact Us

For questions about this policy or cookie usage, contact our Data Protection Officer (DPO):

• Email: [email protected]

• Postal Address:
  Edinburgh Capital Bank
  150 Fountainbridge, Edinburgh EH3 9PE
  Unit Kingdom