Your privacy is important to us. Oriental Bank maintains practices and controls designed to protect the personal information we collect, use, and share when you interact with us through our websites, mobile applications, social media, digital advertisements, online forms, or other digital services.

This Cookie Notice describes how Oriental Bank may collect, use, disclose, and protect information about you when you use our digital channels. It also explains how we may use cookies and similar technologies to operate our online services, improve your experience, protect the security of our systems, analyze the use of our digital channels, and, subject to your preferences and applicable law, present you with Oriental Bank content, offers, or advertisements that may be of interest to you.

 

For purposes of this Notice, the terms “Oriental Bank,” “Oriental,” “we,” “our,” or “us” refer to Oriental Bank and, as applicable, its affiliates, subsidiaries, business units, or service providers that operate or support the digital channels that link to or reference this Notice.

 

Oriental Bank may use third-party service providers to support its digital operations. Such providers are subject to contractual obligations designed to protect information and limit its use to purposes authorized by Oriental Bank. If you access websites, applications, or platforms of third parties that are not operated by Oriental Bank, we encourage you to review their respective privacy policies.

 

 

Protection of Children’s Privacy Online

 

The Children’s Online Privacy Protection Act, known as COPPA, establishes requirements applicable to certain websites and online services directed to children under thirteen (13) years of age, as well as to operators with actual knowledge that they collect personal information from children under that age.

Oriental Bank’s websites and online services are not directed to children under thirteen (13) years of age. Accordingly, Oriental Bank does not knowingly request or collect personal information from children under thirteen (13) years of age, including through cookies or similar technologies.

 

If Oriental Bank becomes aware that it has inadvertently collected personal information from a child under thirteen (13) years of age without the required verifiable parental consent, it will take appropriate measures to delete such information or otherwise handle it in accordance with applicable COPPA requirements.

 

 

Personal Information We Collect Online

 

What type of information do we collect?

 

When you visit, use, or interact with Oriental Bank’s websites, mobile applications, online forms, advertisements, or other digital services, we may collect information about you, your device, your browsing activity, your preferences, and your digital interactions.

 

The information collected may include, among other things:

 

• Information you provide when completing forms, applications, registrations, enrollments, or communications with Oriental Bank;
• Information related to your interaction with our websites or digital channels, such as pages visited, links selected, time spent, forms initiated, preferences selected, and browsing patterns;
• Information about the device used, including device type, browser, operating system, IP address, digital identifiers, device settings, and similar technical data;
• Information related to your language, region, privacy, cookie, and communication preferences;
• Information associated with your relationship with Oriental Bank, such as products or services you maintain with us, financial products of interest, applications initiated, services requested, or interactions related to our services; and
• Information that may help us maintain the security of our digital channels, prevent fraud, protect your session, improve our services, and provide you with a more relevant digital experience.

 

Although certain information collected through cookies or similar technologies may not directly identify you on its own, in some cases it may be associated with other available information to provide you with a more personalized experience, maintain session continuity, strengthen the security of our services, prevent fraudulent activities, and improve the functionality of our digital channels.

 

How do we collect personal information online?

We collect personal information about you through your computer or mobile devices by using cookies and similar tracking technologies.

 

 

What are cookies?

 

Cookies are small data files that are stored on your browser, computer, smartphone, tablet, or other device when you visit a website. Cookies allow us to recognize your browser or device, remember certain preferences, facilitate navigation, maintain site security, and improve your digital experience.

 

Oriental Bank may use cookies and similar technologies to operate its websites and digital services, remember your preferences, analyze the use of our digital channels, personalize content, measure the effectiveness of campaigns, and, subject to your preferences and applicable law, present you with Oriental Bank content, offers, or advertisements that may be of interest to you.

 

 

Technologies We Use

 

• Web beacons
• Tags
• Activity logs
• Digital analytics tools
• Experience automation and personalization technologies

 

These technologies may be used independently or in combination with cookies to:

 

• Understand how users interact with our website
• Analyze browsing patterns and digital behavior
• Measure the performance of content and functionalities
• Evaluate the effectiveness of campaigns and communications
• Automate personalized experiences in real time
• Optimize the presentation of products, services, and content

 

Oriental Bank may work with specialized service providers that use these technologies to provide aggregated analytics, support advanced analytics models, and facilitate more relevant digital experiences.

 

 

Use of Tracking and Personalization Technologies

 

Oriental Bank uses advanced data collection, analytics, and activation tools that enable us to:

 

• Record user interactions within the website and digital channels
• Analyze browsing events (for example: pages visited, clicks, time spent, and forms initiated)
• Collect personal information associated with your customer or user profile
• Identify and evaluate products and services used, as well as potential interests in financial products
• Create profiles based on digital behavior and your relationship with the Bank
• Facilitate automated communications based on actions taken
• Personalize content, experiences, and offers in real time
• Predict needs and interests to improve the relevance of products and services

 

These practices allow us to provide more consistent, relevant, and timely experiences, including personalized recommendations, in accordance with the cookie preferences you have selected, as applicable, and our legal and regulatory obligations.

 

 

Cookie Management

 

You may manage your cookie preferences at any time through our Cookie Preference Center or through your browser settings. Because preferences are stored independently on each browser and device, you must configure them separately for each one.

 

Please note that blocking or disabling certain categories of cookies may affect website functionality or limit certain features and services available.

 

 

Types of Cookies We Use

 

Strictly Necessary Cookies

 

These cookies are essential for the operation of the website and cannot be disabled in our systems.

 

They enable functions such as:

 

• Maintaining site security
• Remembering your privacy preferences
• Allowing access to and secure use of protected or authenticated areas of the website
• Completing forms and applications
• Preventing fraudulent activities

Without these cookies, some website functions will not be available.

 

 

Performance and Analytics Cookies

 

These cookies collect information about how visitors use our website.

 

They are used to:

 

• Measure the number of visits and traffic sources
• Analyze user behavior, generally in an aggregated or anonymized manner
• Identify browsing trends
• Improve website performance

 

 

 

Functional Cookies

 

These cookies allow the website to remember your preferences to provide a more personalized experience.

 

These include:

 

• Preferred language
• Geographic region
• Site settings
• Previously selected preferences

Disabling them may affect certain website functionalities.

 

 

 

Personalization and Digital Experience Cookies

 

These cookies allow content, interactions, and experiences to be tailored according to your behavior, profile, and preferences.

 

They are used to:

 

• Personalize content in real time
• Adjust digital experiences based on customer usage
• Relate interactions to financial products and services
• Optimize navigation and user experience

 

 

 

Advertising and Targeting Cookies

 

These cookies are used to display promotional content that is more relevant to you.

 

They allow us to:

 

• Present offers based on your interests and behavior
• Consider products you use or may be interested in
• Measure campaign effectiveness
• Limit the frequency of advertisements
• Coordinate campaigns across different channels

 

Disabling them will not eliminate advertising but will reduce its level of personalization.

 

 

 

Advertising Cookies on Third-Party Websites

 

Oriental Bank and its service providers may use cookies to:

• Understand how you interact with our website
• Show you Oriental content, offers, or advertisements that may be of interest to you on other websites or digital platforms
• Measure the effectiveness of advertising campaigns

 

Legal Compliance and Privacy

 

Oriental Bank handles information collected through cookies and similar technologies in accordance with applicable privacy, data protection, and financial services laws and regulations in Puerto Rico and the United States.

 

 

The use of these technologies is subject to:

 

• The cookie preferences you have selected
• The terms of our Privacy Policy
• Applicable legal and regulatory obligations

 

When applicable, information collected may be considered personal information and will be handled in accordance with the principles of confidentiality, security, and limited use established by law.

 

 

Changes to This Notice

 

Oriental Bank may update this Cookie Notice periodically to reflect regulatory, technological, or operational changes in our practices. Any modifications will become effective once posted on this website.

 

 

Additional Information

 

For more information about how Oriental Bank collects, uses, and protects your personal information, please review our Privacy Policy available at orientalbank.com.