Transparency starts
with how we use cookies.

ZENAGROUPE Bank uses cookies and similar technologies on its digital platforms to ensure the proper functioning of its services, improve user experience, and comply with applicable security and regulatory standards.

This Cookie Policy explains what cookies are, how we use them, which categories we deploy, and how you can manage or withdraw your consent at any time.

By continuing to use our platform, you acknowledge that you have read and understood this policy. For any questions, our support team is available through our official contact channels.

Cookies are small text files stored on your device (computer, smartphone, or tablet) when you visit a website. They allow the website to remember your actions and preferences over time, so you do not have to re-enter them whenever you return or navigate between pages.

Cookies are widely used to make websites work more efficiently and to provide information to site operators about how visitors use the platform. They can be set by the website you are visiting (first-party cookies) or by third-party services integrated into the site.

ZENAGROUPE Bank uses the following categories of cookies:

Strictly Necessary Cookies

Essential for the website to function correctly. They enable core features such as secure login, session management, and navigation. These cookies cannot be disabled without affecting site functionality and do not require your consent.

Functional Cookies

Allow the platform to remember your preferences — such as language, display settings, and region — and provide a more personalized experience. Disabling them may affect certain non-essential features of your account.

Analytics Cookies

Help us understand how visitors interact with our platform by collecting anonymized usage data (pages visited, time spent, error messages encountered). This data is used solely to improve the quality and performance of our services. No personally identifiable information is collected through analytics cookies.

Security Cookies

Used to detect and prevent fraudulent activity, protect user accounts, and maintain the integrity of our banking platform. These cookies are mandatory for operating a secure digital banking environment and cannot be disabled.

Third-Party Cookies

Placed by trusted external services integrated into our platform. ZENAGROUPE Bank does not directly control these cookies. We carefully select our third-party integrations and require that they comply with applicable data protection standards.

Cookies are used by ZENAGROUPE Bank to:

• Maintain secure authenticated sessions while you navigate your account
• Remember your user preferences across visits for a smoother experience
• Detect unusual or suspicious activity to protect your account and funds
• Measure platform performance and identify technical issues
• Comply with legal and regulatory security obligations applicable to banking institutions

Session Cookies

Session cookies are temporary and are deleted automatically when you close your browser. They are used primarily to maintain your login session and allow you to navigate securely between pages during a single visit. Without session cookies, you would be required to log in again on every page.

Persistent Cookies

Persistent cookies remain on your device for a defined period or until you manually delete them. They are used to remember your preferences and settings, so your experience is consistent on future visits. ZENAGROUPE Bank sets persistent cookies only for legitimate functional and security purposes.

Some features of our platform may include content or tools provided by trusted third-party services. These providers may place their own cookies on your device in accordance with their own privacy policies.

ZENAGROUPE Bank carefully selects its third-party integrations and requires that they meet applicable data protection standards. However, we cannot directly control the cookies placed by external providers.

We recommend reviewing the privacy policies of any third-party services you interact with through our platform for full details on how their cookies work.

You have the right to manage, restrict, or withdraw your consent to non-essential cookies at any time. You may do so through:

• Our cookie consent banner, displayed on your first visit to the platform
• Your browser settings (see the next section for guidance)
• A written request to our support team via our official contact channels

All major browsers allow you to control cookies through their settings. You can configure your browser to:

• Block all cookies or only third-party cookies
• Delete existing cookies stored on your device
• Receive alerts before cookies are stored
• Allow cookies only from specific websites

Instructions vary by browser. You can find guidance in your browser's Help or Settings section (typically under Privacy & Security). Common browsers include Chrome, Firefox, Safari, Edge, and Opera.

ZENAGROUPE Bank reserves the right to update this Cookie Policy at any time to reflect changes in technology, regulation, or our internal practices.

Any significant changes will be communicated via our platform through a visible notification. We recommend reviewing this page periodically to stay informed about how we use cookies.

Continued use of our services following an update constitutes acceptance of the revised policy.

For any questions regarding this Cookie Policy or how your data is handled, please contact ZENAGROUPE Bank through our official support channels.

We are committed to addressing all privacy-related inquiries within 5 business days.

You may also:

• Review our full Security & Confidentiality Policy for details on data protection
• Visit our Help Center for general account and service support
• Use our Contact page to submit a formal inquiry