Our cookie policy

Understanding and managing cookies

  • What are cookies? 

Cookies are small text files that are stored on your computer, tablet or smart phone by your browser when you visit a website. While some cookies are stored by the website you are visiting, others, called "third-party cookies", are stored by the website's partners (often advertising agencies). Why are they called cookies when they don't look anything like the popular baked goods? Apparently, it is a reference to "fortune cookies", the little Chinese biscuits with a proverb or note hidden inside.

  • What is their purpose? 

Cookies enable websites to "recognise" your device, report that you are viewing a certain page and personalise the information it is showing you.

  • These "trackers" can have different purposes:

- They analyse website visits and, if required, adapt to provide you with a better experience. Examples: Which browser are you using? Are you using a small or a large screen? Which language do you prefer? 
- They help you save time and enable you to connect to your mailbox or your social network accounts without having to re-enter your identification information every time. 
- They suggest "targeted" or personalised content, that is, content adapted to your interests and preferences. This can include advertising, press articles, search-engine suggestions, etc.

  • How does BPER S.A. Luxembourg use cookies ?

Only one type of cookie may be saved when you visit our website: the Google Analytics cookie. It records website statistics (number of visits, duration and provenance, number of pages viewed, language preferences, etc.). The information is used to analyse similarities and differences in user behaviour and adapt the page content to their interests.

  • Privacy

The cookies we use don't collect personal data (for example, your first and last name) or any other data of a private nature in general, with the exception of the IP address of your device. In accordance with the amended law of 30 May 2005 and the law of 2 August 2002 on the processing of data of a personal nature in the electronic communications sector (privacy and electronic communications directive), you are entitled to request a copy of the personal data BPER SA has compiled about you, including those collected by cookies.
Subject to legal and regulatory provisions, data of a personal nature that might be collected is not destined to be communicated to third parties other than those named by you. 
Be that as it may, you have a right of access, opposition, rectification, and deletion with regards to information concerning you in accordance with the legislation on the processing of personal data in effect in the Grand Duchy of Luxembourg. 
All personal data are processed in accordance with the applicable Privacy Statement
You can send your request to BPER S.A. Compliance Department by mail or email:
Banca popolare dell’Emilia Romagna (Europe) international S.A.
Compliance Department
30, Boulevard Royal
L-2449 Luxembourg

For more information, visit the Legilux website

  • Your cookie options

While most Internet browsers are configured to allow cookies automatically, accepting them isn't compulsory. You can choose to allow cookies to be saved on your device, then change your mind at any time by modifying your Internet browser parameters. You can also decide to accept cookies from only certain websites by adjusting your browser settings.
 However, BPER S.A. cannot guarantee access to all of its website services if you refuse to allow cookies. By continuing to browse our site, you agree to allow us to save cookies on your device.
Note: Refusing to store cookies on your device will not eliminate the advertising displayed next to the content you browse online. Refusal simply prevents the advertising from matching your personal interests based on your browsing history.
We also collect the IP addresses of Internet users who visit our site: the IP address (Internet Protocol) is the digital address of your computer when the latter is connected to the Internet. It is recorded when you access our website. It enables us to provide the authorities with information in the event of abuse. 
Tips for managing your cookies

  • Solution n°1: via your web browser. Most browsers accept cookies by default. However, you can block cookies or tell your browser to warn you when a website is trying to save a cookie on your device. You can modify parameters under the "Privacy" tab of your browser to change the way cookies are managed. Note that, in this case, some of the site's functionality may no longer work. The configuration for each browser is different. It is described in the help menu of your browser, which will tell you how to modify your cookie preferences. 

Note: If your device is used by more than one person or has several Internet browsers, it is possible that some of your cookie choices may not be applied consistently, either because you used a different browser or because a third party changed your browser parameters.

  • Solution no.2: by cookie category

To manage the Google Analytics cookie: visit the Google page directly.
If BPER S.A. processes your personal data, then you have the following rights:

- a right to request BPER S.A. an overview of your personal data processed by or on behalf of BPER S.A.;

- a right to have BPER S.A. rectify or block your personal data if the data are incorrect, incomplete, or not processed in compliance with applicable data protection laws and regulations and the Data Protection Policy;

- a right to object to the processing of your personal data on the basis of compelling legitimate grounds relating to your particular situation provided that BPER S.A. bases its processing on its legitimate interests or those of a third party to whom BPER S.A. has disclosed the data;

- a right to object to receiving direct marketing communications from BPER S.A.

To make any of the above requests you need to put the request in writing addressing it to:

Compliance Department, 30, Boulevard Royal, L-2449 Luxembourg,