The K'Ching website is administered jointly by KBC Bank NV, with registered office at Havenlaan 2, 1080 Brussels, and by CBC Banque SA, with registered office at Avenue Albert Ier 60, 5000 Namur. In this document, KBC Bank NV and CBC Banque SA are collectively referred to as 'KBC'.
Cookies are small files that are installed on your computer, smartphone or tablet when you visit a website.
There are several different types, each of which is designed to recognise certain aspects of who you are the next time you visit the site (like storing your chosen language), so processes run more smoothly for you. You don't therefore need to select your language every time you visit the site. Some cookies don't allow the user in question to be identified; they gather information on how the K'Ching website is used.
In this document, 'cookies' means both cookies and comparable technologies like software development kits (SDKs, which are to apps what cookies are to browsers).
KBC distinguishes among three types of cookies. A specific list of all the cookies that KBC uses can be found in section 8.
Essential cookies are necessary for the K'Ching website's technical operation, including matters like verifying your identity when you log in.
Analysis cookies are cookies that collect information on how the K'Ching website is used, which is then used to improve the website's general performance. They do not identify users (they just report what pages are looked at and how long users remain on site).
KBC also uses a number of other cookies that do identify the user. It does so in order to make a record of user preferences or behaviour for a range of purposes:
The purposes served by a given cookie can be manifold.
Session cookies get stored in your browser for a short period until such time as the browser's closed – they're then deleted automatically.
Permanent cookies remain on your computer, tablet or smartphone even after your browser's closed. They're used for recognition purposes each time you go back to the site. They either expire, are overwritten with a newer version or are manually deleted. Until then, they remain on your device.
First-party cookies are those installed and managed
by KBC. They're specific to the K'Ching website you're visiting.
Any third-party cookies are managed by third parties
and installed by them on your device during your K’Ching website session. They're designed to get certain information sent to third parties while you're there.
KBC Bank NV's Privacy Statement sets out the details of its
data processing policy including information about the rights you can invoke if KBC Bank NV processes personal data
of yours, of which using cookies is an example.
CBC Banque SA's privacy statement sets out the details of
its data processing policy including information about the rights you can invoke if CBC Banque SA processes personal data of yours, of which using cookies is an example.
Where KBC uses third-party cookies (see section 4), it makes
sure that third parties have no means of identifying who you are from the data stored in those cookies.
If you set a preference on a kching.be domain website,
it applies to the browser that's in use at that time. Users of multiple browsers (e.g. Internet Explorer, Safari, Chrome) have to set their preference for each browser separately.
That preference has no effect on the K’Ching app (see the separate cookie statement). K'Ching app cookie preferences are set in the app itself.
a) Accepting and declining cookies for the K'Ching website:
at the foot of each K'Ching website page is an option to 'Change cookie preference' by selecting 'More information on cookies' and choosing as appropriate.
N.B.: KBC is legally within its rights to insist on cookies
being used that are classed as essential (see section 2) even if you refuse
your permission. These essential cookies aren't therefore affected even if you
change your cookie preference.
b. Accepting or rejecting third-party cookies
c. Tracking prevention
In certain browsers you can choose not to be tracked by
websites (private windows or 'do not track'). KBC heeds only its own
cookie protocols and will not support 'do not track'.
d. Accepting, refusing and deleting all cookies
You can arrange your browser settings to refuse the installation of cookies.
You can also at any time remove cookies already installed on your computer or
mobile device. To find out how to decline cookies in the commonest browsers,
surf to http://www.aboutcookies.org.
Check here what cookies the K'Ching website uses, who installs and manages them, when they expire and what
their purpose is.