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This U.S. Cookie Policy explains how OakNorth Bank plc (“OakNorth,” “we,” or “our”) uses cookies and similar technologies on our U.S. website. It supplements our Privacy Notice and applies only to visitors from the United States.

We use cookies to improve your browsing experience, personalize content and ads, analyze website traffic, and understand your interaction with our services. Some cookies may result in the “sale” or “sharing” of your personal information as defined by the California Consumer Privacy Act (CCPA) and similar U.S. state laws.

1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They store information such as your preferences, login details, and browsing behavior.

2. Types of Cookies We Use

Cookie Type Purpose
Strictly Necessary Required for core website functionality (e.g., security, session management). Cannot be turned off.
Performance Help us understand website traffic and performance through analytics.
Functionality Remember user preferences and enhance site usability.
Marketing Track browsing habits to serve relevant advertising. These may involve third parties and constitute “sharing” under U.S. laws.

3. Sale or Sharing of Personal Information

Under certain U.S. privacy laws, sharing information (such as IP address or browser ID) with advertising and analytics providers may be considered a “sale” or “sharing” of personal information.

We do not sell personal information for money, but we may “share” it in the context of:

  • Targeted advertising (via third-party cookies)
  • Cross-site tracking

4. Your Rights and Choices (U.S. Residents)

You may exercise the following rights where applicable by law:

Right Description
Right to Opt-Out of Sale/Sharing You may opt out of the sale or sharing of your personal data. Use the “Do Not Sell or Share My Personal Information” link in the footer.
Global Privacy Control (GPC) If your browser supports the GPC signal, we will honor it.
Right to Know / Delete You can request access to the personal data we collect or request deletion.

5. How to Manage Your Cookie Preferences

You can manage your cookie settings by clicking [“Cookie Settings”] in the website footer or using the Cookiebot banner shown on your first visit.

You may also:

  • Use the “Do Not Sell or Share My Personal Information” link to opt out of third-party cookies.
  • Configure your browser to block or delete cookies.
  • Enable Global Privacy Control in supported browsers.

Please note: Disabling some cookies may impact your experience on our site.

6. Updates

We may update this policy from time to time. Please check this page periodically for any changes. If required by law, we will notify you when significant changes are made.

7. Contact Us

If you have questions or requests under U.S. privacy laws, please contact us at:

privacy@oaknorth.com

OakNorth Bank plc
445 Park Avenue, 6th Floor
New York, NY 10022