Cookie Policy

BNP Paribas Fortis (“we”, “us”) uses cookies and other trackers (hereinafter “cookies”) on this website (hereinafter “the Website”). The cookies make sure that the Website functions properly and among other functionalities, facilitate the log-on process. By using cookies, BNP Paribas Fortis is also able to improve your online experience. Cookies are also used to adapt the content and/or the publicities shown on the Website or other (non-)BNP Paribas Fortis websites to your personal needs and preferences.

By not accepting cookies, you prevent BNP Paribas Fortis and its partners from optimizing your online experience. Some parts of the Website will also not function ideally. By accepting cookies, you give consent for the use of cookies as specified in this cookie policy. Should you wish to, you can always change your cookie preferences in the cookie management tool accessible via the footer of the Website.

All details regarding cookies used on this Website can be found in this cookie policy. This policy also explains for which purposes these cookies are used, who places them, how you can manage or delete them and what your rights are as a visitor of the Website.

We wish you a pleasant reading and surfing experience.

1. What is a cookie?

Cookies are small text, image or software files stored by your web browser on your device when you use websites and applications. The word “device”, when used in this cookie policy, refers to computers, smartphones, tablets and all other devices used for accessing the internet.

Cookies may be either: (i) session specific, meaning that they are deleted from your device once the browser session is closed; or (ii) persistent meaning that they will remain on your device until they are removed. Please refer to Section 3 for more information on which cookies are session specific and which are persistent.

Cookies perform a number of useful functions, such as to:

  • Authenticate and identify you on our websites and/or applications so we can provide you the services that you requested;
  • Enhance the security of the websites and/or applications, including to prevent fraudulent use of login credentials and protect user data from access by unauthorized persons;
  • Send you personalized advertising notably based on your browsing history and your preferences on line ;
  • Monitor your use of our websites and/or applications in order to improve them;
  • Enhance your user experience by adapting and tailoring the content on the websites and/or applications to your interest so that we and our partners can provide more relevant BNP Paribas Fortis ads and content to you on non- BNP Paribas Fortis websites and non- BNP Paribas Fortis applications.
  • Remember information that you provided to us (e.g. to automatically populate forms with information that you have previously provided to us so that you can log on more quickly);
  • Keep track of your preferences and settings (eg. language, time zone etc.) or where you left off in your use of the BNP Paribas Fortiswebsites and/or applications ;

2. What kind of information can be stored in a cookie?

The information stored by the cookies on your device may relate to the following, subject to its retention period:

  • the webpages you have visited on that device;
  • the advertisements you have clicked on;
  • the type of browser you use;
  • your IP address;
  • and any other information that you have provided on the visited websites and/or applications.

Cookies may contain personal data. When you select which types of cookies you allow on your device, the cookies may be set directly by us (first-party cookies) or by one of our partners (third-party cookies).

Where we use cookies which collect your personal data, such collection and the related processing activities is covered by our Privacy Notice.

When you authorize the installation of third-party cookies on your device, our partners will be able to access the information they contain (such as, for example, your browsing statistics when you allow third-party analytics cookies) in accordance with our Privacy Notice and those of our partners.

3. What kind of cookies do we use and for what purpose?

We have divided the cookies that are used on this Website into three main categories depending on their purposes:

1. Strictly necessary cookies (mandatory)

These cookies cannot be refused if you wish to visit the Website. This is a good thing, because they ensure the Website is stable and works properly and securely. They are only placed by us, and they collect anonymous data.

For example, when you visit the website for the first time, you will be asked to choose your language so that the website pages will automatically open in that language.

Tool

Description

cookie

Purpose

Validity

BNP SIteFactory

Platform that delivers content and services to the customers

axes

Stores the basic settings of the user: language, brand, edition (last category visited)

7 years

CSRF

Cookie to prevent Cross Site Reference Forgery, to prevent calls made from other origin.

Session

europolicy

This Cookie is added by sitefactory and used for accessing the website, without this cookie website will not work - no user information, it makes the framework of the site work

1 year

userInformation

Technical cookie contains fixed value, but required by the framework - no user information, it makes the framework of the site work

Session

distributorid

Technical cookie contains fixed value, but required by the framework - no user information, it makes the framework of the site work

Session

cookieDisclaimer

Used to track if the cookie disclaimer message is shown to user or not - first visitor cookie to show the banner - in new tool, lifetime will be 6 months, so after 6 months he will see the info/banner again

6 months

COOKIES_SETTINGS

Used to track if the cookie disclaimer message is shown to user or not - first visitor cookie to show the banner - in new tool, lifetime will be 6 months, so after 6 months he will see the info/banner again

180 days

(*-)JSESSIONID

Technical session cookie: to divert the website visits to different machines in the back-end. Not all visitors go on the same server. If a server crashes, the visit can be reverted to another server. This cookie identifies which user lands on which server. It ensures equal distribution of the visitors to the servers - to ensure stability of the performance

Session

PD-S-SESSION-ID

Cookie for session management

Session

gsn

Global session number, so cookie for session management - session ID, random number to session. If someone accesses, this session has a number. Communication reasons between client - website - server. This is not for logging.

Session

seg

Cookie to remember the customer preference of segment

1 year

plogid

This is a load balancing cookie. BNP Paribas Fortis has multiple server parcs to guarantee availability of the site, as you can only be logged in one of them at the time we keep a cookie to send the user to the best suited location.

Session

per*

Technical cookie used during Login process - When a user started logging in, the logid maintains the log-in session, so the site knows that the user has logged in already. As soon as user logged in, logid will be removed. This cookie maintains the phases of the log-in procedure

Session

Adobe Analytics

provide anonymous aggregated statistics on navigation. Allo the bank to monitor performance of the website

s_sq

This cookie is set and read by the JavaScript code when the ClickMap functionality and the Activity Map functionality are enabled; it contains information about the previous link that was clicked on by the user - to do reporting on website visits (how many times was website visited) - There is a "track" of the path. We don't know who visited, but we do know the path of the visit - where he comes from)

Session

s_cc

This cookie is set and read by the JavaScript code to determine if cookies are enabled (simply set to "True"). This cookie is a session cookie and expires when the browser is closed - if we don't have this cookie, we can't do performance analytics on the website (what was visited and what not)

Session

s_pc

Cookie used for gathering statistics of the website usage. These statistics are kept anonymous. (where did a person click, where did he scroll to,…)

1 year

s_ppn

Record the portion of a page (0-100%) that the user views and pass the value into a variable on the next page view

Session

s_pprt

Cookie used for gathering statistics of the website usage. These statistics are kept anonymous

Session

s_ptc

This provides a native method to get accurate and detailed timing statistics for loading event e.g. when page or fucntionality is loaded

 

_sdsat_zid

Custom Adobe DTM Cookie

 

_sdsat_enrolment_ID

Used to remember the value of a unique identifier of the transaction taking place when doing an enrolment

 

_sdsat_language

This cookie is used to remember the language in which the content is displayed.

 

_sdsat_MGM_sponsor_ID

This cookie is used to remember the unique identifier of a godfather user in the Hello bank "Member get member" process.

 

_sdsat_MGM_user_ID

This cookie is used to remember the unique identifier of a godson user in the Hello bank "Member get member" process.

 

_sdsat_user_id

This cookie is used to remember the Hello Connect ID of a user when he logs in on one of the Hello Bank platforms.

 

visited_domains

This cookie is used to remember which of the Hello bank platform the user has already visited.

 

s_vi_*

This cookie is used to identify a unique visitor,
cookie has format of s_vi_* depending on the report suite used

2 years

AMCVS_F4682420547
6152E0A4C98A2%40AdobeOrg

On BNP Paribas Fortis websites we use the following solutions from the Adobe Experience Cloud:

Adobe Analytics to measure performance of websites and the general behavior of visitors on our websites. We use the insights to improve the overall user experience on our web environment.

Adobe Target is used to test variants of web pages and/or parts of web pages to improve user experiences.

We use the Marketing Cloud ID service of the Adobe Experience Cloud: 'People' core service. This ID service is using one key component of Adobe Experience Cloud: the Demdex cookie. This is only used to ensure we have the same anonymous unique visitor across solutions within Adobe Experience Cloud and improve user experience.

To know more about about the privacy policy of the Adobe Experience Cloud or to opt-out please visit http://www.adobe.com/nl/privacy/opt-out.html

Session

AMCV_F4682420547
6152E0A4C98A2%40AdobeOrg

On BNP Paribas Fortis websites we use the following solutions from the Adobe Experience Cloud:

Adobe Analytics to measure performance of websites and the general behavior of visitors on our websites. We use the insights to improve the overall user experience on our web environments.

Adobe Target is used to test variants of web pages and/or parts of web pages to improve user experiences.

We use the Marketing Cloud ID service of the Adobe Experience Cloud: 'People' core service. This ID service is using one key component of Adobe Experience Cloud: the Demdex cookie. This is only used to ensure we have the same anonymous unique visitor across solutions within Adobe Experience Cloud and improve user experience.

To know more about about the privacy policy of the Adobe Experience Cloud or to opt-out please visit http://www.adobe.com/nl/privacy/opt-out.html

2 years

demdex

The Adobe Experience Cloud Identity Service uses the demdex cookie (with the BNPPF organization id and AMCV cookie) to create and store a unique, persistent identifier for our site visitors. These cookies let the Adobe ID service track visitors across the different domains of BNP Paribas Fortis and enable data sharing among different Experience Cloud solutions that BNP Paribas Fortis is using.

180 days

dpm

DPM (Data Provider Match) informs internal, Adobe systems that a call from the Adobe Experience Cloud ID Service is requesting a visitor ID. This only happens when the AMCV cookie (that contains an Experience Cloud id) isn’t set.

180 days

s_ppv

This cookie is set by the Adobe Analytics plugin “getPercentPageViewed” and is used to measure a visitor’s scroll activity to see how much of a page they view before moving to another page.

Session

2. Comfort cookies (subject to your consent)

Comfort cookies allow us to personalize the Website for you and show targeted information that may be useful to you. These cookies also allow us to understand your behavior on the Website. They are only placed by us, and they collect your personal preferences.

For example, if you are a client who has already logged into Easy Bankin Web or Easy Banking App, you will not see any banners inviting you to become a client. You will also never be asked to complete the same customer survey twice.

Tool

Description

cookie

Purpose

Validity

Opt-out

Adobe Analytics

Adobe analytics is used to provide aggregated statistics on navigation. When comfort cookies are not accepted all data is tracked anonymously. This allows the bank to monitor performance of the website and improve it accordingly like described in the functional cookies. By accepting the comfort cookies, we will also store a hashed customer id (ZoomitID) enabling more advanced analysis.

 

The ZoomitID is an identifier which is stored in Adobe Analytics. This identifier allows BNP Paribas Fortis to link online behavioral data to a specific customer information only if the user provided his/her consent for profiling. Storing the ZoomitID enables us to enrich anonymous behavior with some customer attributes (gender, age bucket, nationality,…) to enable more advanced analysis of online behavior (on an aggregated level)

2 years

To know more about the privacy policy of the Adobe Experience Cloud or to opt-out please visit http://www.adobe.com/privacy/opt-out.html

Adobe Target

Adobe Target is a tool used to personalise content seen on the website.

mbox

Adobe Target uses cookies to give website operators the ability to test which online content and offers are more relevant to visitors.

 

http://optout.tt.omtrdc.net/optout

3. Marketing cookies (subject to your consent)

These cookies make sure that you receive relevant information and personalized offers on social media, our websites and other websites or applications. These cookies are placed by us, but also by other companies .

For example, if you were looking for a new car insurance policy online on the Website, you may see car insurance offers and other relevant information on social media, our websites and other websites or applications.

Tool

Description

Cookie/Third party partner

Details/Opt-out links

Validity

BlueKai (Oracle)

BNP Paribas Fortis and Hello Bank! use Bluekai to optimize media advertising efficiency & facilitate personalization of the websites and mobile applications. Bluekai is the industry's leading cloud-based big data platform that facilitates companies to personalize online, offline and mobile marketing campaigns with richer and more actionable information about targeted audiences.

bku

Sets the Bluekai Unique User ID. This ID can be used to personalize the user’s experience across the domains of BNP Paribas Fortis. Additionally, data from other organizations associated with this cookie can be used to further optimize the user’s experience.

https://datacloudoptout.oracle.com

90 days

bkp1

Placements (tag management)

https://datacloudoptout.oracle.com

bklc

This cookie is used as a timestamp of last logging event.

https://datacloudoptout.oracle.com

bko

This cookie is used for orders management.

https://datacloudoptout.oracle.com

bkw5

Exchange wins

https://datacloudoptout.oracle.com

bkst

SDT ID transfers

https://datacloudoptout.oracle.com

bk

This is the main checksum cookie.

https://datacloudoptout.oracle.com

bkc

This cookie is used to exchange tags.

https://datacloudoptout.oracle.com

bkdc

This cookie remembers which datacenter is used to store the data of the respective user. This way, the closest datacenter can be used, which improves website performance.

https://datacloudoptout.oracle.com

BKAllow

If this cookie is set to active, the user is opted in to the Bluekai tool.

https://datacloudoptout.oracle.com

BKIgnore

If this cookie is set to active, the user is opted out of the Bluekai tool. This cookie overrides BKAllow.

https://datacloudoptout.oracle.com

bkou

This cookie stores the offline file updates into the profile.

https://datacloudoptout.oracle.com

bksso

This cookie is the identifier of the JSON tag for Site Side Optimization (SSO).

https://datacloudoptout.oracle.com

Google Campaign Manager

Google may contact you with their advertising material. Their advertising content will be tailored to your interests on the basis of your browsing behaviour and the pages you have consulted. The cookies are also used to measure the impact of the bank’s advertising campaigns on this site. The bank doesn’t collect any financial or personal data by means of these cookies. Our third party partner (Havas Media Belgium) may show you ads if you have visited our website. Those ads will be tailored to your interests, based on what you do online and the sites you visit. To improve our marketing content, this cookie may therefore send data to our third party parner. You can find more information about our third party partners' advertising policy and how to block the collection of your data on their respective pages.

Facebook

https://www.facebook.com/settings?tab=ads

180 days

Twitter

https://support.twitter.com/articles/20170514

180 days

LinkedIn

https://www.linkedin.com/help/linkedin/answer/62931/manage-advertising-preferences?lang=en

30 days

Mediamath

http://www.mediamath.com/privacy-policy/

390 days

Appnexus

http://www.appnexus.com/platform-policy#choices

180 days

Doubleclick

https://adssettings.google.com

180 days

Strikead

https://www.sizmek.com/privacy-policy/optedin/#options

90 days

Drawbridge

https://www.drawbridge.com/optoutstart

180 days

Google

http://www.google.com/intl/en/policies/privacy/

180 days

Tradelab

http://tradelab.com/en/privacy/

180 days

Ligatus

https://www.ligatus.com/en/privacy-policy#cookie_status

180 days

4. Responsible for the cookies

The website owner, and responsible for processing of your personal data stored in the cookies, is:

BNP Paribas Fortis SA-NV
Montagne du Parc 3
B-1000 Brussels
privacy@bnpparibasfortis.com

5. How can you manage your cookies choice?

You can manage how cookies are used on the Website by:

  • Managing your cookie preferences in the cookie management tool, accessible in the footer of the Website. In this tool, you can modify your preferences, withdraw or give again your consent for the different editable categories of cookies at any time.
  • Configuring your browser's privacy settings (please refer to your browser's help function to learn more about cookie controls).
  • Reviewing third party websites: this will enable you to check how to manage cookie preferences on non- BNP Paribas Fortis websites and applications – please see section 3.3 for further details on third party cookies.

Please note that the use of strictly necessary cookies for the proper functioning of the Website does not require your consent. This is why the option "strictly necessary cookies" is indicated as required in our cookie management tool and is not optional.

By refusing or disabling certain types or categories of cookies -comfort cookies for example, we will not be able to optimize your user experience on our websites and/or applications.

By default, we save your cookie choices in relation to the device you have used for a maximum of 180 days. If you change your mind about the preferences that you have expressed regarding cookies, you can update your choices at any time, by following this link. In any event, we will ask you to make a choice again every 180 days.

6. Your rights as a visitor on our Website

For more information on BNP Paribas Fortis SA-NV as data controller of personal data and on your rights as data subjects, please consult our Privacy Notice accessible via the footer of the Website.

Additionally, as a visitor and subject of the data retained by these cookies, you have the right to file a complaint with the Belgian Data Protection Authority: https://www.dataprotectionauthority.be/