Cookies Policy

Policy updated on July 28th, 2025.

Inter Cookies Policy

At Inter Group (“Inter”) we use cookies and other identification technologies in our websites and application to allow you to have a more efficient, pleasant, and customized navigation.

Cookies have several purposes, such as: (i) remember user preferences and settings; (ii) determine the popularity of a content; (iii) disclose and measure advertising campaigns effectiveness; (iv) analyze website traffic and trends; and (v) understand, in general, the behaviors and interests of the people who interact with our services. But don't worry! Below we explain these purposes better.

1. About the Policy

This Cookie Policy ("Policy") aims to inform you, in a clear and accessible manner, about the categories, purposes, and ways we use cookies, as well as to demonstrate their importance in providing you with the best possible experience.

Policy effective as of August 28, 2020.

2. What are cookies?

Cookies are small text files that websites, apps, digital media, and ads store on your browser or device to recognize them in future visits, helping to customize your access and provide a better experience.

For example, the use of cookies can allow the identification of a user or "remember" options made by a specific user in previous interactions, such as language, preferred product type, passwords, and logins used. Additionally, cookies can be used for other purposes, such as measuring page audience and offering customized ads.

Cookies can be classified according to (a) their purpose of use, (b) the responsible entity and/or their management, and (c) the retention period of the information. These concepts will be addressed in more detail below.

3. Categories, Purposes and Legal Grounds for Cookie Use by Inter

The categories of cookies used by Inter are directly related to the purposes of processing data collected by these cookies, as outlined below. We also provide, by way of example, some legal grounds that authorize the processing of personal data collected through cookies:

• Essential Cookies: these cookies are necessary for our website to function, allowing you to browse and use its features, enabling minimum resources for providing the services you request. These cookies do not collect or store information about you. This category of cookies cannot be deactivated, as without them we cannot provide products or deliver contracted services. Legal basis: legitimate interest (Art. 7, IX of LGPD).

• Analytical Cookies: these cookies allow analysis of how our services, products, and communications are being accessed and used, as well as whether they are functioning correctly, based on information from your device and browsing habits. With this information, we can maintain, operate, and continuously improve our services. Legal basis: consent (Art. 7, I of LGPD).

• Functionality Cookies: these cookies allow Inter's website to provide enhanced functionality and personalization. They may be set by us or by third parties (partners and/or service providers), and are used to provide basic services requested by the user, enabling the site or application to remember preferences such as username, region, or language. Legal basis: legitimate interest (Art. 7, IX of LGPD).

• Advertising Cookies: these cookies, also known as "marketing cookies" or "social media cookies," may be established by us or by our advertising partners to build a profile of your interests and present relevant ads on other websites. Advertising Cookies do not directly store personal information but are based on unique identification of your browser and internet device. If you do not allow these cookies, you will have less targeted and personalized advertising. Legal basis: consent (Art. 7, I of LGPD).

Cookies can also be classified according to the entity responsible for their management:

• Proprietary or first-party: cookies set by the website you are currently accessing, either by us or by a third party on our behalf.

• Third-party: cookies created by a website different from the one the user is visiting. These result from functionalities of other sites that are incorporated into a web page, such as ad displays. Inter's main partners include but are not limited to:

We recommend reading these third parties' cookie policies for more information.

In some cases, data collected by cookies may be shared with third parties for operational and marketing purposes. This sharing is done with partners contractually obligated to ensure personal data protection, confidentiality, and information security.

4. Retention Period for Data Collected by Cookies

Inter may retain data collected by cookies for different periods, depending on the category of cookies used.

• Session or temporary cookies: these cookies are designed to collect and store information while the user accesses Inter's website, and information will be automatically removed when the user closes their browser.
• Persistent cookies: data collected through these cookies is stored and can be accessed and processed by the entity responsible for their management for a defined period. This information may be stored on your device until it expires or you manually remove it. If you do not manually remove them, at Inter persistent cookies are stored for up to 400 days, according to the purpose of personalization and continuous service improvement.

5. How to Manage Cookies?

You have the right to choose whether to accept or refuse cookies. However, they are an important part of our services' functionality. Therefore, please know that refusing or deleting cookies may affect the availability and functionality of the services and products we offer you.

To customize your preferences for analytical, functional, and advertising cookies, we provide a cookie management tool in the footer of our pages. The tool will record when you consent to Inter's Cookie Policy and will request your consent annually to ensure you stay updated with changes to our privacy and cookie policies.

Consent for non-essential cookies is obtained actively and granularly, allowing users to accept or refuse each cookie category individually. Additionally, many cookies used on our sites can be activated or deactivated through your browser. To deactivate them, follow instructions normally located in the "Help," "Tools," or "Edit" menus in your browser. Please remember that essential cookies cannot be deactivated.

Tutorials for cookie configuration according to major browsers:

• Internet Explorer 
• Firefox 
• Safari 
• Google Chrome 
• Microsoft Edge 

6. General Provisions

This Cookie Policy is complementary to the Inter Group Privacy Policy. In this regard, Users should read and become familiar with it for additional information and rules about the processing of their data. Your information will be processed in accordance with this Policy, the Privacy Policy, and the General Data Protection Law.

The terms of this Policy may be modified at any time due to legislative changes, technology tool updates, or at our sole discretion, for example, due to new service offerings. Therefore, we recommend our clients always check the current Cookie Policy.

Any clause or condition of this Policy that, for any reason, is deemed null or ineffective by any court or tribunal, will not affect the validity of other provisions of this Policy, which will remain fully valid and binding, generating effects to their maximum extent.

This Policy is governed exclusively by the Laws of the Federative Republic of Brazil, as well as any actions arising from violation of these Terms.

Website navigation does not imply automatic consent. Consent is obtained through affirmative user action.

Any questions about this Policy can be addressed to our Personal Data Protection Officer, Camila Wendling, at "privacidade@inter.co".

7. Applicable Law and Conflict Resolution

Any and all controversies arising from the terms set forth in this Policy will be resolved according to Brazilian law, with the courts of Belo Horizonte - MG being competent, excluding any other however privileged it may be.

The use of services and/or orders executed outside Brazilian territory, as applicable, or those resulting from operations initiated abroad may also be subject to legislation and jurisdiction of authorities in the countries where they are executed or initiated.