1. About This Policy
1.1This Cookie Policy explains how Marble Bank Ltd ("the Bank", "we", "us", "our") uses cookies and similar technologies on our website at marblebank.app and any online banking platform or mobile application (the "Website").
1.2This Cookie Policy should be read together with our Privacy Policy, which explains how we process personal data and the rights you have.
2. What Are Cookies and Similar Technologies
2.1Cookies are small text files that a website places on your computer, phone or other device when you visit it. They allow the website to recognise your device and remember certain actions and settings while you use it.
2.2Cookies set by the Bank are called first-party cookies. Cookies set by other organisations through the Website, such as our website hosting provider, are called third-party cookies. Google Analytics cookies are set under the Website's own domain on behalf of Google.
2.3Session cookies are deleted when you close your browser. Persistent cookies remain on your device for a set period or until you delete them.
2.4In this Cookie Policy, "cookies" also includes similar technologies, such as local storage and tags, where they are used for the same purposes.
3. Cookies We Use
We use two categories of cookies:
- Strictly necessary cookies. These are essential for the Website to work securely and to provide the services you request. They keep your browsing session and security settings, protect the Website against abuse and record your cookie choices. They are always active.
- Analytics cookies (Google Analytics). These help us understand how visitors use the Website, for example which pages are visited, how long visits last, which device and browser types are used and from which country visitors come, so that we can improve the Website. They are used only if you give your consent.
3.1We do not use marketing, advertising or social media tracking cookies, and we do not use Google Analytics for advertising, remarketing or profiling.
4. Your Consent
4.1When you first visit the Website, a cookie banner asks whether you accept analytics cookies. You can click "Accept" or "Reject", and rejecting is as easy as accepting. Google Analytics is not activated and no analytics cookies are placed on your device unless you click "Accept".
4.2Strictly necessary cookies do not require your consent, because the Website cannot function properly or securely without them.
4.3You can change your choice or withdraw your consent at any time by clicking "Cookie settings" in the footer of any page of the Website. If you withdraw your consent, Google Analytics stops collecting data from your device from that moment; you can also delete existing analytics cookies through your browser settings.
4.4We remember your choice for 12 months. After that, or earlier if we make significant changes to the cookies we use, we ask you again.
5. Cookies Used on the Website
The table below lists the cookies used on the Website.
| Name | Provider | Purpose | Category | Duration |
|---|
| Session cookie | Marble Bank (first party) | Keeps your browsing session and security settings while you use the Website | Strictly necessary | Session |
| Load-balancing / security cookie | Website hosting provider | Routes traffic and protects the Website against abuse | Strictly necessary | Session |
| Cookie consent preference | Marble Bank (first party) | Records whether you accepted or rejected analytics cookies | Strictly necessary | 12 months |
| Regulatory notice acknowledgement | Marble Bank (first party) | Records that you have read the Local Regulatory Notice, so that it is not shown again on every visit (stored in your browser's local storage) | Strictly necessary | 12 months, or until the notice is updated |
| _ga | Google Analytics (Google Ireland Limited) | Distinguishes one visitor from another to produce visitor statistics | Analytics (consent) | 2 years |
| _ga_ followed by the Website's measurement ID | Google Analytics (Google Ireland Limited) | Keeps the state of a visit so that pages viewed in one visit are counted together | Analytics (consent) | 2 years |
6. How We Use Google Analytics
6.1Google Analytics is a web analytics service provided by Google Ireland Limited, Gordon House, Barrow Street, Dublin 4, Ireland, with its parent company Google LLC in the United States. Google acts as our processor for Google Analytics data.
We have configured Google Analytics to limit the data collected:
- Google Analytics does not log or store visitors' full IP addresses;
- Google signals, advertising features and data sharing for Google's own products are switched off;
- event data is retained for 14 months and then deleted automatically;
- we use the reports only in aggregated form and do not combine them with the personal data of our Clients.
6.2The legal basis for analytics cookies is your consent. Data collected through Google Analytics may be transferred to Google LLC in the United States. Google LLC is certified under the EU-U.S. Data Privacy Framework, and Google also applies the European Commission's Standard Contractual Clauses to such transfers.
6.3More information on how Google uses data from websites that use its services is available at policies.google.com/technologies/partner-sites. You can also prevent Google Analytics from collecting data on all websites by installing the Google Analytics opt-out browser add-on, available at tools.google.com/dlpage/gaoptout.
7. Managing Cookies in Your Browser
7.1Most browsers allow you to view, manage, block and delete cookies through their settings. You can usually find these options in the "Settings", "Privacy" or "Security" menu of your browser. The help function of your browser will explain how.
7.2You can also set your browser to notify you when a cookie is set. Some browsers offer private browsing modes that delete cookies when you close the window.
7.3If you block or delete strictly necessary cookies, some parts of the Website, including secure login, may not work, and the cookie banner may be shown to you again.
8. Changes to This Policy
8.1We may update this Cookie Policy from time to time, for example when we change the cookies we use or when the law changes. The current version is always published on the Website with the date of the latest update. If we add cookies that require consent, we ask for your consent again.