Cookies Policy

Policy updated on august 29st, 2024.

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 Cookies Policy (“Policy”) aims to inform you in a clear and accessible manner about the types, reasons, and ways we use cookies, as well as to demonstrate their importance in 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. Types and Purposes of Cookies Used by Inter

Cookies are divided into the categories described below, and at Inter, all data collection and processing carried out due to them observe the applicable legislation on the subject.

• Essential Cookies: These cookies are necessary for our website to work, allowing you to browse and use its functionalities, allowing minimal resources for the provision of services you request. These cookies do not collect or store information about you. This category of cookies cannot be disabled as we cannot provide the services or products you request without them.
• Analytical Cookies: These cookies allow the analysis of how our services, products, and communications are accessed and used, as well as whether they are functioning correctly, based on your device information and browsing habits. With this information we can continuously maintain, operate, and improve our services.
• Functionality Cookies: These cookies enable the Inter website to provide enhanced functionalities and customizations. They may be set by us or by third parties (partners and/or service providers), and are used to provide the basic services requested by the user, enabling the site or application to remember preferences, such as username, region, or language.
• Advertising Cookies: These cookies, also known as "marketing cookies" or "social media cookies" may be set by Inter or our advertising partners to build a profile with your interests and present relevant ads on other websites. Advertising Cookies do not store personal information directly, but they are based on the unique identification of your browser and internet device. If you do not allow these cookies, you will receive less targeted and personalized advertising.

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

• First-party or proprietary cookies: These are cookies set by the website you are currently accessing, either by us or by a third party on our behalf.
• Third-party cookies: These are cookies created by a website other than the one the user is visiting. They result from functionalities of other sites that are incorporated into a web page, such as displaying advertisements.

4. Retention Period of Cookies Processed by Inter

Cookies can be classified according to the retention period required for the information they process.

• Session or temporary cookies: These cookies are designed to collect and store information while the user accesses the Inter website and 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 they expire, or you manually remove it. In the case of Inter, persistent cookies can be stored for up to 365 days if not manually removed by you.

5. How to Manage Cookies

You have the right to choose whether to accept cookies or not. However, they are an important part of our services' operation. Therefore, please be aware that refusing or deleting cookies may affect the availability and functionality of the services and products we offer to you.

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

Many of the cookies used on our websites can be enabled or disabled through your browser. To disable them, follow the instructions usually located in the "Help," "Tools," or "Edit" menus in your browser. Please note that essential cookies cannot be disabled.

Tutorials on how to configure cookies according to each browser:

· Internet Explorer – https://support.microsoft.com/en-us/windows/delete-and-manage-cookies-168dab11-0753-043d-7c16-ede5947fc64d

· Firefox – https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox

· Safari – https://help.apple.com/safari/mac/8.0/en.lproj/sfri11471.html

· Google Chrome - https://support.google.com/chrome/answer/95647?hl=en&co=GENIE.Platform%3DDesktop

· Microsoft Edge – https://support.microsoft.com/en-us/microsoft-edge/view-cookies-in-microsoft-edge-a7d95376-f2cd-8e4a-25dc-1de753474879#:~:text=Open%20Microsoft%20Edge%20and%20then,all%20cookies%20and%20site%20data.

6. Legal Basis for Processing Personal Data Through Cookies

In accordance with the General Data Protection Law (LGPD), the collection of personal data through cookies may be carried out, provided the following legal bases are respected:

i. Use of non-essential cookies:

Article 7: Personal data processing can only be carried out under the following conditions:

I - with the data subject's consent;

ii. Use of essential cookies:

Article 7: Personal data processing can only be carried out under the following conditions:

IX - when necessary to meet the legitimate interests of the data controller or a third party, except when the fundamental rights and freedoms of the data subject that require personal data protection prevail.

7. General Provisions

This Cookie Policy complements the Inter Group Privacy Policy. Therefore, users must read and understand it for additional information and rules regarding the treatment 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, updates to technological tools, or at our sole discretion, for example, due to the offering of new services. Therefore, we recommend that our customers always check the current Cookie Policy.

Any clause or condition of this Policy that, for any reason, may be considered null or ineffective by any court or tribunal, will not affect the validity of the other provisions of this Policy, which will remain fully valid and binding, producing effects to the fullest extent.

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

Browsing our website and using our banking or non-banking services implies your express acceptance of the terms and conditions of this Policy. For customers who do not agree with the Policy, we recommend not browsing or using our websites and services. Non-acceptance or refusal of some cookies may hinder the perfect provision of services.

Any questions about this Policy can be addressed to Inter's Data Protection Officer (DPO), via e-mail at "privacidade@inter.co". Responses will be given in accordance with the deadline established in the General Data Protection Law.

8. Applicable Law and Conflict Resolution

Any dispute arising from the terms set forth in this Policy will be resolved in accordance with Brazilian law, and the jurisdiction of the city of Belo Horizonte - MG will be competent, to the exclusion of any other, no matter how privileged.

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