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    Cookie policy

    Website-ulwww.btdirect.ro (referred to hereinafter as “the BT Direct website”) is the official internet page of BT Direct IFN S.A. (hereinafter referred to as “BT Direct”), a Romanian legal entity with its registered office in Romania, mun. Cluj-Napoca, bdul. 21 December 1989, nr. 77, The Office, Building C-D, ground floor, jud. Cluj and the new registration number of BTD at the Trade Registry - J2018001566126, fiscal identification code RO 16036850.

    The BT Direct website is the property of BT Direct IFN S.A. and uses cookies.

    The information presented below aims to inform you about what cookies are, as well as the placement and use of them by the BT Direct IFN S.A. website. Additionally, there are some useful links on this topic.

    In case you need more information about cookies, and this is not found in the present Policy, you can write to us at the email address office@btdirect.ro or you can call the phone number 0264 302 000. Regarding the processing of personal data in the context of the use of cookies, you have the option to also contact the data protection officer (DPO) designated by BT Direct IFN S.A., at the email address dpo@btdirect.ro.

    What is a "cookie"?

    An "Internet Cookie" (a term also known as "browser cookie", "HTTP cookie" or simply "cookie") is a small file, consisting of letters and numbers, that will be stored on the computer, mobile terminal or other devices from which the Internet is accessed.

    A cookie is installed through a request made by a web server to a browser (e.g. Internet Explorer, Chrome) and, despite being stored on the equipment (computer, mobile terminal etc.) used to access web pages, it cannot access other information on that device and cannot contain software programs, viruses, or spyware.

    The cookie stores important information that improves the browsing experience on the Internet (e.g.: the language settings in which one wishes to access a website; keeping a user logged into the webmail account; online banking security; keeping products in the shopping cart).

    In most cases, cookies do not process personal data when used and do not identify the users of internet pages.

    A cookie consists of 2 parts: the name and its content or the value of the cookie.

    What are the main categories of cookies?

    In terms of their duration of existence, there are two categories of cookies:

    • Session cookiesthese are temporarily stored in the web browser's cookies folder so that it remembers them until the user leaves the respective website or closes the browser window
    • Permanent cookies: These types of cookies are stored on the hard drive of the device used to access a website and are not deleted when the browsing session is closed. They are retained and reused every time the user returns to that website, but can be deleted at any time by the user, having also predefined validity periods.

    From the operator's point of view placing cookies, there is:

    • first party cookies- placed by the owner of the visited website
    • third party cookies (cookies placed by third parties)- placed by the operator of a different website than the one visited. These third parties must also comply with the laws in force and the privacy policies of the website owner on which they place cookies.

    Details regarding the typology and description of all known types of cookies can be found by following this link: https://cookiepedia.co.uk

    From the point of view of the purposes for which cookies are placed, there are generally the following categories of cookies:strict necessary, for the analysis and improvement of website performance, functional and promotional (targeting and advertising)

    What types of cookies does the BT Direct website use?

    The BT Direct website uses session and permanent cookies, as well as proprietary cookies or those placed by third parties, for the following purposes:

    Strictly necessary cookies

    These cookies are necessary for the functioning of the website and cannot be disabled in our systems. They are usually set only in response to actions taken by visitors to this website, whereby they request various services, such as setting privacy preferences, authentication, or completing forms. In the browser they are using, visitors (users) can set blocking or receiving a warning regarding these cookies, but in this case, certain parts of the site may not function. These types of cookies are exempt from the rule of obtaining consent for their placement.

    Measurement, analysis and performance cookies

    These cookies allow us to count visits to the website and traffic sources so that we can measure and improve its performance. In this way, we can find out which are the most popular pages to discover the products and services presented that the website visitors are interested in. All the information that these cookies collect is aggregated and, therefore, anonymous. If you do not allow these cookies, we will not know when a certain IP address has visited the website. Using the Google Analytics application, we collect anonymous data about visits to the website, such as pages viewed, viewing duration, entry page to the website.

    Promotion cookies

    These cookies are set on the website based on agreements we have made with our advertising partners (e.g. Social Media pages, Google, etc.). With the help of these cookies, our partners can observe and analyze which types of products on the website a particular visitor has shown interest in and, during a subsequent visit to another website, will show them advertisements based on the product they showed interest in on our website. This type of promotion is called targeted advertising. If you do not allow promotional cookies, it does not mean that you will not receive advertisements on other pages; rather, the ads that will be displayed to you will be less relevant to you as an internet user.

    If you want to learn more about how cookies work in relation to online advertising, please consult the websitehttp://www.youronlinechoices.com/ro/

    To offer you a better online experience, we use the services presented below, but this list is open.

    • Google Analytics, a traffic analysis service owned by Google, Inc., and implicitly cookies. Categories of cookies used: site performance, visitor analysis, retargeting, and advertising. These cookies do not collect personal data and do not personally identify site visitors, but are used to provide you with content tailored to your preferences while browsing the Internet. To view Google Analytics “Terms of Service,” please access the link http://www.google.com/analytics/tos.html
    • Google Signals represents data about sessions from websites and applications that Google associates with users who have logged into their Google accounts and have activated Ad Personalization.
      Users can opt out of personalized ads through the ad settings and can control what information Google retains about their web activity and in Google apps through the My Activity settings. Please refer to the policy regarding personalized advertising.
    • The Google Consent Module (Google Consent Mode) - With the help of the consent collected through this tool, we send to Google information regarding how you use our site (for measurement and analysis purposes) and information that allows it to personalize the advertising you will see when you browse the Internet (for advertising and remarketing purposes). This information is sent only if you have explicitly given your consent for measurement, analysis, and performance cookies, respectively promotion cookies. The Google consent module uses the parameters listed in the table Cookie List.
    • Facebook Pixel, a code through which the user can be targeted through advertising services, on Facebook advertising platforms, once they have visited our website. Details about Facebook's privacy policy can be found here: https://www.facebook.com/about/privacy
    • Hotjar, a service for recording user behavior on the BT website. Hotjar can record user behavior on web pages, and thus helps us generate relevant insights for us, to improve the experience we offer. You can view the privacy policy here: https://www.hotjar.com/legal/policies/privacy 
    • Adform - a service that allows the display of announcements, of the advertisement type, relevant to users. The service allows us to improve the performance of the campaign, but also to monitor the number of displays so that a user does not see the same announcement multiple times. More information can be found at https://site.adform.com, https://site.adform.com/privacy-center/adform-cookies/, and about personal data protection at  https://site.adform.com/privacy-center/overview.


    Cookies name

    Platform

    Category

    Details

    PHPSESSID

    php

    Strictly necessary cookie

    Session cookie

    OptConsent


    Strictly necessary cookie

    This cookie stores the cookie settings chosen by the user

    analytics_storage

    Google Analytics

    Tag that allows the placement of 3rd party cookies for measurement, analysis, and performance

    Allows the storage of statistical information, such as third party cookies, for analysis and measurement purposes - for example, the duration of the visit

    ad_storage

    Google AdsTag that allows the placement of 3rd party promotional cookiesAllows storage of information (such as third party cookies) associated with advertising
    ad_user_dataGoogle AdsTag that allows the placement of 3rd party promotional cookiesAllows sending users' personal data to Google for advertising purposes
    ad_personalizationGoogle AdsTag that allows the placement of 3rd party promotional cookiesAllows the display of personalized advertisements

    bt_gclid

    Google

    Promotion cookie

    This cookie generates a random code called gclid, for traffic coming from the Google Adwords platform

    _fbp

    Facebook

    Promotion cookie

    This cookie is used by Facebook to deliver a series of advertising products, such as real-time bidding from third-party advertisers.

    _ga

    Google

    Promotion cookie

    This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in every page request from a site and is used to calculate visitor, session, and campaign data for website analytics reports. By default, it is set to expire after 2 years. This cookie is used by Google Analytics 4 to differentiate users.

    _ga_

    Google

    Promotion cookie, measurement

    This cookie is associated with Google Analytics 4, being used for the session state to persist. It expires after 2 years.

    _ga_G

    Google

    Promotion cookie, measurement

    This cookie is associated with Google Analytics 4, being used for the session state to persist. It expires after 2 years.

    _gcl_au

    Google

    Promotion cookie

    Used by Google AdSense to experiment with the effectiveness of advertising on websites using their services.

    1P_JAR

    Google

    Promotion cookie

    This cookie is associated with Google DoubleClick, being used for displaying personalized ads, based on previous visits to the site. This cookie has a lifespan of one month.

    AECGooglePromotion cookieThese cookies ensure that within a browser session requests are made by the user, and not by other sites. These cookies prevent malicious sites from acting on behalf of a user without their knowledge. These cookies have a lifespan of 6 months.
    APISIDGooglePromotion cookieThis cookie is associated with Google, being used for Google ads on websites based on recent searches and interactions. This cookie has a lifespan of 13 months.
    CONSENTGooglePromotion cookieThis cookie is associated with Google, being used to store a user's status regarding cookie options. This cookie has a lifespan of 2 years.
    SOCSGooglePromotion cookieThis cookie is associated with Google, being used to store a user's status regarding cookie options This cookie has a lifespan of 13 months.
    HSIDGooglePromotion cookieThese cookies are used by Google to display personalized ads on Google sites, based on recent searches and previous interactions. This cookie has a lifespan of 2 years.
    NIDGooglePromotion cookieThis cookie is used to display Google ads in Google services for users who are logged out. This cookie has a lifespan of 6 months.
    SAPISIDGooglePromotion cookieThese cookies are used by Google to display personalized ads on Google sites, based on recent searches and previous interactions. This cookie has a lifespan of 2 years.
    SEARCH_SAMESITEGooglePromotion cookieThis cookie allows servers to mitigate the risk of CSRF attacks and information leaks by asserting that a certain cookie module should only be sent with requests initiated from the same registrable domain. This cookie has a lifespan of 5 months.
    SIDGooglePromotion cookieThis cookie contains digitally signed and encrypted records of a user's Google account ID and the most recent login time. The combination of these cookies allows Google to block many types of attacks, such as attempts to steal the content of forms submitted to Google services. This cookie has a lifespan of 2 years.
    SIDCCGooglePromotion cookieThis cookie provides information about how the end user uses the website and any advertisements that the end user may have seen before visiting the mentioned website. This cookie has a lifespan of 1 year.
    SSIDGooglePromotion cookieThis cookie provides information about how the end user uses the website and any advertising that the end user may have seen before visiting the mentioned website. This cookie has a lifespan of 13 months.
    __Secure-1PAPISID
    __Secure-3PAPISID
    __Secure-1PSID
    __Secure-3PSID
    GooglePromotion cookieThis cookie is used for targeting purposes to create a profile of the interests of the website visitor in order to display relevant and personalized advertising. This cookie has a lifespan of 13 months.
    __Secure-1PSIDCC
    __Secure-3PSIDCC
    GooglePromotion cookieThis cookie ensures user authentication (contains digitally signed and encrypted records of a user's Google account ID and the last login time), which are then used to display relevant and personalized ads for that user. This cookie has a lifespan of 1 year.
    _ga
    _ga_{GA4_stream_id}
    GooglePromotion cookieThis cookie is set when a person visits our site for the first time. Google Analytics sends the client ID with each access to associate the accesses with a user. This cookie has a lifespan of 13 months.
    idGooglePromotion cookieThis cookie can only have the value "OPT_OUT" and tracks whether a user has disabled personalized ads. This cookie has a lifespan of 13 months.

    personalization_id

    Twitter

    Promotion cookie

    This cookie is used by Twitter to deliver a range of advertising products, such as real-time bidding from third-party advertisers.

    DSID

    Google

    Promotion cookie

    Used by Google AdSense to experiment with the effectiveness of advertising on websites using their services.

    IDE

    Google

    Promotion cookie

    Used by Google AdSense to experiment with the effectiveness of advertising on websites using their services.

    fr

    Facebook

    Promotion cookie

    This cookie is used by Facebook to deliver a series of advertising products, such as real-time bidding from third-party advertisers.

    _hjIncludedInSample

    Hotjar

    Performance and analysis cookie

    This cookie is associated with the functionality and web analytics services from the company HotJar, a company based in Malta. It uniquely identifies a visitor during a single browser session and indicates that users are included in a sample of the audience.

    hjTLDTest

    Hotjar

    Session cookie

    Performance and analysis cookie

    hjid

    Hotjar

    Session cookie

    This is used by Hotjar to associate a unique ID, valid for 365 days, for identifying a user for the purpose of analyzing their behavior on the site over multiple sessions.

    hjFirstSeen

    Hotjar

    Session cookie

    Performance and analysis cookie

    C

    Adform

    Promotion cookie

    This is a third-party cookie used to display advertisements to users targeted through Real Time Bidding. It has a lifespan of 60 days if the user's browser accepts cookies, or 3650 days if the browser does not accept them.

    token

    Adform

    Promotion cookie

    This is a third-party session cookie used for opt-out functionality.

    uid

    Adform

    Promotion cookie

    This is a third-party cookie used as a unique identifier to display advertisements to targeted users through Real Time Bidding. It has a lifespan of 60 days.
    CM14

    Adform

    Promotion cookieThis is a third party cookie that checks whether it needs to perform the validation operation for partner cookies (set by Cookie Matching). It has a lifespan of 14 days.
    adtrc

    Adform

    Promotion cookieThis is a third-party cookie used to identify whether the information regarding the browser has been collected. It has a lifespan of 7 days.
    cidAdformPromotion cookieThis is a third-party cookie used in the past as a unique identifier, to display ads to targeted users through Real Time Bidding. It has a lifespan of 60 days.
    SRAdformPromotion cookieThis is a third-party cookie used for collecting information related to the total and daily number of impressions, the total and daily number of clicks, as well as the date of the last impression. It has a lifespan of 1 day.
    CTAdformPromotion cookieThis is a third party cookie used to identify whether the click attribution model from the advertisers' pages is based on the "last click" model. It has a lifespan of 1 hour.
    GCM

    Adform

    Promotion cookieThis is a third party cookie that checks if it needs to perform the validation operation for partner cookies. It has a lifespan of 1 day.
    CM

    Adform

    Promotion cookieThis is a third party cookie that checks if it needs to perform the validation operation for partner cookies (set by Adserver). It has a lifespan of 1 day.
    otsidAdformPromotion cookieThis is a third party cookie, used for the opt-out functionality from displaying advertisements from certain advertisers. It has a lifespan of 3650 days.
    TPCAdformPromotion cookieThis is a third-party cookie that checks if the user's browser accepts third-party cookies. It has a lifespan of 14 days.
    EBFCDAdformPromotion cookieThis is a third party cookie that identifies the maximum daily display frequency allowed for expandable ads. It has a lifespan of 7 days.
    EBFCAdformPromotion cookieThis is a third party cookie that identifies the total display frequency allowed for expandable ads. It has a lifespan of 7 days.
    CFFCAdformPromotion cookieThis is a third party cookie that identifies the admitted compound frequency for ad display. It has a lifespan of 7 days.
    DigiTrust.v1.identityAdformPromotion cookieThis is a third party cookie for identifying a user, set by DigiTru.st, an independent body. It has a lifespan of 7 days.
    mktz_clientOmniconvertPromotion cookie
    Store the following data about the client: whether they are a new or returning user; user ID (Generated); session ID (Generated); total number of pages viewed in the current session; total number of sessions; the URL and type of referrer (the source from which the user comes); date and time of the first/last visit; experiments viewed in the current session; UTM parameters associated with the URL from which the user comes (if applicable). The storage duration is a maximum of 1 year.
    mktz_optoutOmniconvertPromotion cookieStores the client's option not to be included in experiments. The retention period is a maximum of 1 year.
    mktz_surveyOmniconvertPromotion cookieStore the status of a questionnaire: completed / rejected / remind me later. The storage duration is a maximum of 1 year.
    mktz_interactionOmniconvertPromotion cookieSave visitor data collected through an Overlay (pop-up). The storage duration is a maximum of 1 year.
    mktz_abOmniconvertPromotion cookieSave the variation applied for each A/B test viewed by a user, in order to display the same variation to the user every time. The storage duration is a maximum of 1 year.
    mktz_storageOmniconvertPromotion cookieUsed to store additional information necessary for the experiments, such as: whether a user interacted with an experiment; whether the user used "Scroll" on the viewed page; whether the user used the search bar, etc. The storage duration is a maximum of 1 year.
    mktz_persistent_groupOmniconvertPromotion cookieUsed to store the RFM group of a client when the client is authenticated on the website, so that the client's RFM group can be identified in subsequent unauthenticated visits. The storage duration is a maximum of 1 year.
    mktz_sessOmniconvertPromotion cookieSession cookie that saves the session ID.
    mktz_temp_*OmniconvertPromotion cookieSession cookie used to save the view of an experiment that may be affected by frequency limitations (i.e., limiting the view once per session).
    mktz_engagementOmniconvertPromotion cookieUsed to store the time at which an experiment that includes the measurement of the Engagement goal was viewed, to determine the time elapsed since the experiment was viewed and the number of pages viewed in the meantime by the user. It has a lifespan of 1 hour.
    _mktz_enabledOmniconvertPromotion cookieUsed to determine whether the user has cookies enabled in the browser. It is set to be read immediately, thus checking if the cookies activation was successful, after which it is deleted. The experiments apply depending on the value set by this cookie. It has a lifespan of 1 hour.

    This site uses multiple tracking codes for the behavior of visitors on the site. These codes do not individually identify the users of the site and are not linked to personal data.

    How can you control cookies?

    You can change the cookie settings on the BT Direct website (except for necessary cookies) by accessing the cookie settings menu. This can be found both in the cookie banner of the BT Direct website and in its footer.

    At the same time, you can set the browser you are using to block any types of cookies, including those that are necessary. However, we draw your attention to the fact that, in such a situation, the websites you visit (including the BT Direct website) may not function properly. Also, disabling other types of cookies (except for those that are necessary) may affect the functioning or your experience when using the website.

    Details regarding browser settings for blocking or deleting cookies are available below:

    Google Chrome:

    • click onkey pictogram and selectOptionsfrom the list
    • click on the tab ”Advanced settings
    • click onContent settings from the section Confidentiality.
    • choose the settings you want
    • click onto close

    Mozilla Firefox:

    • selectInstrumentsfrom the main bar, thenOptions
    • click on the tabConfidentiality
    • choose the settings you want
    • click onOKto close

    Internet Explorer:

    • click on the iconSettings / Tools
    • click onInternet Options
    • click onConfidentiality and then choose the options
    • click onApplication and then on OKfor saving preferences

    Safari:

    • click onPreferences and then on Confidentiality
    • in the sectioncookie blockingchoose your cookie preferences
    • save the preferences

    Security and privacy-related aspects

    To avoid cookie-based cyber attacks, we recommend that you ensure that the version of the browser you are using is always up to date.

    The data collected by cookies is generally anonymous. In cases where cookies process personal data, you benefit from the rights provided in the BT Direct Privacy Policy, which you can find at the following link: https://www.btdirect.ro/files/prelucrarea-datelor-personale/politica_bt_direct_de_prelucrare_date__personale_versiunea_1_1_octombrie_2019.pdf

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    AI Search is a pilot project - in beta version - that uses GPT-5 technology to simplify the process of searching and understanding banking products.

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