FirstRand Cookie Notice

1. Introduction

This Cookie Notice applies to the following site https://www.rmb.co.uk/, which is owned and operated by FirstRand Bank Limited (London Branch).

2. What is a cookie?

A cookie is a small text file stored on a device (like a computer or mobile phone) by the website accessed by the device.  It helps the website to remember information about the device and how the user of the device used the website. We do not necessarily know who the user of the device is but rather the behaviour performed from a device.  Multiple users of the same device would not necessarily be distinguishable from each other. However, cookies could be used to identify the device and if the device is linked to a specific user, the user would also be identifiable. For example, a trusted device registered to an App.

3. Types of cookies

There are two main types of cookies:

• Session Cookies: Session cookies allow us to recognise the device within our websites as the user navigates from page to page. When you close your browser, these cookies are deleted.

• Persistent Cookies: (also known as permanent cookies): These cookies record the user’s choices and preferences when the user visits a website. It is stored on your device until it expires, or you choose to delete it.

4. Third party cookies

Third party cookies do not originate from the website operator (in this case, an entity within the FirstRand Group) but rather from a third party.  A good example of this is browser cookies. They are often used to provide statistical data such as the number of visitors to a site, thus enabling us to enhance our websites.

Our third-party service providers use cookies and those cookies may be stored on your computer when you visit our website.

Cookie List

A cookie is a small piece of data (text file) that a website – when visited by a user – asks your browser to store on your device in order to remember information about you, such as your language preference or login information. Those cookies are set by us and called first-party cookies. We also use third-party cookies – which are cookies from a domain different than the domain of the website you are visiting – for our advertising and marketing efforts. More specifically, we use cookies and other tracking technologies for the following purposes:

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.

Site performance & analytics cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Targeted marketing & profiling cookies

These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

5. Why do we use cookies?

We may use cookies due to (including but not limited to) the following reasons:

• Various analytical reasons like how users use our website so that we can make improvements;
• Marketing and advertising, for example to decide which solutions (goods, products, services or rewards) you may be interested in and to customize marketing on various applications and websites; and
• Recognition of users of our website or devices which return to our website. Personalisation of services.

• Recognition of users of our website or devices which return to our website. Personalisation of services.

The use of cookies allows us to customise and personalise your experience of our website.

6. Other technologies we use in email marketing

We may also use pixels or web beacons in direct marketing emails that we send to you. These pixels track whether our email was delivered and opened and whether links within the email were clicked. They also allow us to collect information such as your IP address, browser, email client type and other similar details. We use this information to measure the performance of our email campaigns, and for analytics.

You can always opt-out of our marketing communications by using the unsubscribe link located at the bottom of our email communications or you can email us at dpo@firstrand.co.uk.

7. Consent

We will ask for your permission (consent) to place cookies or other similar tracking technologies on your device, except where these are essential for us to provide you with a service that you have requested.

There is a notice on our home page which describes how we use cookies and requests your consent before we place any non-essential cookies on your device.

8. What happens if you disable cookie functionality?

Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

• https://support.google.com/chrome/answer/95647 (Chrome);
• https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);
• https://www.opera.com/help/tutorials/security/cookies/ (Opera);
• https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
• https://support.apple.com/kb/PH21411 (Safari); and
• https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

Blocking all cookies may have a negative impact upon the usability of many websites, including our website. If you block cookies, you will not be able to use all the features on our website.

9. Further information about cookies?

• Cookies only store information from your browser, they cannot access data on your device.
• Because cookies are text files they cannot send viruses to the device.
• If more than one user uses a device; the experience of our website would be customized based on the behaviour of all the users and not just you.
• If you disable cookies it will not delete previous cookies collected, but it will stop new cookies being collected.