Cookie Policy

This Cookie Policy explains how Exim Bank (Tanzania) Limited ("the Bank", "we", "us", or "our") uses cookies and similar tracking technologies on its websites, mobile applications, online banking platforms, and other digital channels (collectively, the "Digital Platforms"). The Bank operates in a highly regulated environment and is committed to maintaining the confidentiality, integrity, and availability of customer information, in compliance with the Personal Data Protection Act, 2022, applicable banking laws, regulations, directives, and guidelines issued by the Personal Data Protection Commission (PDPC), the Bank of Tanzania, and other relevant regulators.

This Cookie Policy should be read in conjunction with the Bank's Website Privacy Notice, Digital Banking Terms and Conditions and any other applicable customer agreements. In the event of any inconsistency, regulatory requirements shall prevail.

Cookies are small text files stored on your device (computer, tablet, or mobile phone) when you access our Digital Platforms. They enable the Bank to recognize your device, maintain secure sessions, and remember certain information about your interaction with the Digital Platform.

In addition to cookies, we may use similar technologies such as web beacons, pixel tags, and local storage. These technologies serve similar purposes—to help the Digital Platforms operate more efficiently or to provide analytics about how the platform is used.

Cookies do not inherently identify you personally. However, in some circumstances, the information stored in or obtained from cookies may be linked to personal data that you voluntarily provide (for example, when you log in to a service).

We use cookies to improve the functionality, security, and performance of our Digital Platforms. Specifically, we use cookies to:

a. Make the Digital Platform Work Efficiently
Some cookies are essential for our Digital Platforms to function. Without them, core features such as secure login, navigation between pages, and form submissions may not work properly.

b. Enhance Your Experience
Cookies help us remember your preferences (such as language or region) and tailor the content and layout of our services to your needs.

c. Analyze Usage so We Can Improve
We use cookies for analytics purposes. This helps us understand how visitors interact with our Digital Platforms, which pages are most frequently visited, how long people stay on the platforms, and whether they encounter errors. This information allows us to continuously improve our Digital Platforms and the services we offer.

d. Provide Personalized Content and Relevant Information
In some cases, cookies are used to help personalize your experience, for example, by remembering settings or preferences across visits.

Below is a description of the main categories of cookies that may be used on our Digital Platforms:

a. Essential (Strictly Necessary) Cookies
These cookies are required for the Digital Platforms to operate securely and effectively. They support features such as logging in, secure areas of the platforms, and navigating between pages. Without these cookies, parts of the Digital Platforms may not work.
Examples include:
• Session identifiers that allow secure access to logged-in areas
• Security cookies used to protect against fraud or unauthorized access
These cookies are normally set automatically and may not require your consent.

b. Performance and Analytics Cookies
These cookies collect anonymous information about how users interact with the Digital Platforms, such as platforms visited, time spent, and technical errors encountered. We use this information to measure and improve the performance of our Digital Platforms.
Examples include analytics tools that help us understand platform trends.

c. Functionality Cookies
These cookies remember choices you make on the Digital Platforms, such as language preferences or login settings, to provide a more personalized and convenient experience on return visits.

d. Targeting or Advertising Cookies
These cookies are used to deliver relevant advertisements and content to you based on your interests or behavior across the Bank and third-party Digital Platforms. These may be first-party cookies set by us or third-party cookies set by external partners.
Third-party cookies are sometimes used for analytics and advertising or features such as embedded content. The use of such cookies is governed by the third parties' own privacy and cookie policies.

Some cookies collect information that may be linked to personal data, for example, usage patterns or preferences. When such personal data is collected, we process it in accordance with our Privacy Notice and the Personal Data Protection Act, 2022. Cookies themselves do not typically store personal data like your name or bank account details.

If you have logged in to our services, some cookies may be able to link cookie identifiers to your account session in order to provide seamless and secure service.

Depending on the type of cookie, you may be asked to provide consent before the cookie is placed on your device. Typically:

• Essential cookies are placed without consent because they are necessary for the services you request.
• Non-essential cookies (e.g., analytics or targeting cookies) should only be activated once you provide clear consent via the cookie banner or preferences tool when you first access or visit our Digital Platforms.

You can manage or withdraw your cookie consent at any time by:
• Using the controls in our cookie banner or preferences panel,
• Changing your browser settings to refuse or delete cookies,
• Using third-party tools to block tracking technologies.

Please note that if you choose to disable certain cookies, some features of our Digital Platforms may not function correctly.

Certain cookies may be set by third-party services that help us deliver features on our Digital Platforms. For example, analytics or social media sharing tools may set cookies to perform their functions. While we try to list and explain the cookies we use, third parties may update their cookies independently. We encourage you to review the privacy and cookie policies of third-party providers that set cookies on our Digital Platforms.

Cookies may be:

• Session Cookies: These are temporary and expire automatically.
• Persistent Cookies: These remain on your device for a period of time or until you manually delete them.

The duration depends on the cookie category and purpose—essential cookies may be session-based, while preference and analytics cookies may persist longer.

We may update this Cookie Policy from time to time to reflect changes in law, technology, analytics practices, or business needs. When we update the policy, we will revise the "Last Updated" date and publish the revised version on our Digital Platforms. It is your responsibility to review this policy periodically.