Use of cookies and pixels

What are cookies?

Cookies are small bits of information a website sends to your browser. They can be kept in the browser memory for temporary use or stored to a cookies file on your online device’s hard drive. The information cannot be used to identify you personally. Cookies do not collect personal information such as your name, address, telephone number or email address.

What are pixels?

Pixels are small images imbedded in web content like web pages and emails. Pixels generally do not collect personal information such as your name, address, telephone number or email address, but may collect Internet Protocol (IP) address information.

What do we use cookies and pixels for?

Session cookies:
We use session cookies to record the fact that you have successfully logged in to our online banking site. When you log in, you are sent a cookie that uniquely identifies your current session. When you request an action, such as to check your statement, the cookie is sent with the request allowing online banking to know who you are and verify that you are properly logged into the system. Without session cookies, we would have to demand your login information for every single online banking function you request. After you log out or remain inactive for a certain period of time, the cookie expires and becomes invalid and you must log in again before you can do anything else.

Persistent cookies:
In contrast to session cookies, persistent cookies are stored on your online device between browsing sessions until expiry or deletion. We use persistent cookies for a variety of purposes:

• Collecting website performance data: We collect statistical information on how our users use our websites for statistical and evaluation purposes to help us improve the performance of our website.
• Memorized Member Card for Prospera Online and Prospera Mobile Banking: You can select to have a cookie securely store your Prospera member card number and nickname, so that when you log in to Prospera Online or Prospera Mobile Banking, you won’t need to enter your debit card every time to login.
• Advertising: We use advertising cookies to collect browsing patterns and display advertisements that are more relevant to you and your interests. These cookies do not contain personal or financial information about you. We also use cookies to track if a Prospera ad has been clicked on or viewed.

Pixels:
In contrast to cookies, pixels are not stored on your device, because they are embedded in web content. Pixels are primarily used to track user behavior and interactions with web content. For example, a pixel may track whether you found a web page by clicking through an advertisement on a third-party website. Aggregated and anonymized data is typically transmitted directly to a server, by passing the need for local storage onto your device and allowing tracking across devices.

Does Prospera use third-party cookies or pixels?

We may use third-party providers, such as Google Analytics, to help collect and compile information about our website performance and your interactions with our web content. Our third-party providers may also use cookies to deliver advertisements that are more relevant to you and your interests and to help measure the effectiveness of an advertising campaign. We do not collect or share personal information such as your name, address, telephone number, or email address with third-parties.

Why do some users disable their cookies or pixels?

They do not want their activity on the Internet recorded and tracked. The setting that enables/disables cookies is very easy to change (see the Help menu of your browser for more details). However, not all browsers offer the ability to disable pixels (if a browser offers the feature, it will typically be labeled as “tracking” protection in the browser privacy settings). If you prefer the privacy of disabled cookies, simply enable them for your online banking session and then disable them again afterwards. Remember you will have to enable cookies each time prior to accessing Prospera’s online banking service.

Changes to Prospera's cookie and pixel policy

We may change this policy from time to time and will display the changed policy on this web page. We encourage you to visit this web page periodically to stay informed.