Have questions or concerns about the coronavirus outbreak affecting your financial situation? E-mail us at corona@kbc.be or call us on 02 448 02 44 for more help.
Considering buying a car, van or agricultural
vehicle for your business?
Wondering whether to rent or buy a property for your business? Investing in commercial premises is a sensible choice. If your property increases in value, you build up assets. That’s good for the future of your business. A business loan lets you finance these kinds of investments.
Businesses sometimes have changing capital needs. At certain times you may need to make expenses, while earnings are not yet on your account. Overcoming temporary cashflow shortfalls with a long-term loan won’t be an option. A credit facility is a more beneficial way to go in such cases, as it gives your business financial breathing space right away.
Expanding your business or just starting out?
Investing in equipment is necessary to grow your business. Buying
office facilities, machines and IT equipment also increases your
productivity.
Maintaining sufficient cash reserves is
always a good idea, so it may be preferable not to use your own
resources for these types of investments. Financing business equipment
through renting, leasing or investment credit could be the right choice.
We really want you to always get the most from using our websites and applications (apps). That's why we like to tailor their content to better fit your needs and preferences. We use various techniques for this, including cookies, pixels, software development kits, local storage and similar technologies (collectively referred to below as 'cookies').
This cookie policy explains what cookies are, which ones we use, how you can change your cookie preferences and how we protect your privacy.
Whenever we refer to 'We/us/our' in this policy, we mean one of the entities listed in section 5 below.
Cookies are small files that are stored on your computer, smartphone or tablet when you visit a website or use an app. They contain information like your preferred language for viewing a website, so you don't need to switch languages every time you visit it.
The cookies we sometimes use are:
See our detailed cookie list for more details.
We use three types of cookies on our websites.
Strictly necessary cookies
These cookies make mobile banking with us secure, ensure that our digital services work correctly and give you a more convenient experience with us. We need them for things like verifying your identity when you log in with us or remembering your preferred language. Your consent is not required for these cookies and you can't reject them as our digital services won't work without them.
Analysis/Performance cookies
These cookies collect information that helps us track how our digital services are used and make them even better. They tell us things like how many people use our digital services and for how long.
Other cookies
These include cookies that recognise you in order to record your preferences or behaviour for various purposes:
We may also use the data from other cookies for the purposes referred to above for our own carefully selected partners that offer banking and insurance products and services. An up-to-date list of these partners can be found at www.kbc.be/partners.
See our detailed cookie list for more details.
We'll give you as much control as we can. Please note that if you reject cookies, some parts of our digital services will be less adapted to your needs and preferences.
The various options are given below.
Websites
If you're visiting one of our websites for the first time, you can accept or reject cookies. If you wish to change this later, click 'Change cookie preference'.
Apps
If you're using one of our apps for the first time, you can accept or reject cookies. You can always change this later under Menu before you log into the app. Some of our apps also let you change this after you log in.
Browsers
You can disable cookies in your browser settings. Adjusting these settings varies according to the type of browser. Check the help feature of your browser or its user guide: Internet Explorer, Mozilla Firefox, Chrome and Safari.
Certain browsers allow you to choose not to be tracked by websites ('Do Not Track'). We only consider our own cookie mechanisms and do not support ‘Do Not Track’.
In any collaboration with third parties, we ensure that they can't identify you from the data we collect using cookies.
When we collect personal data through cookies, we always do so in accordance with our Data Protection Statement, which we recommend reading. In it, you can read that we use data from cookies, for instance, to create models and generate statistics that are subsequently applied generically to you individually or your family, or to other individuals.
We aim to fit our services as fully as possible to your needs and preferences. That's why we add personal data collected using cookies to information we already have on you. Conversely, we add a limited set of data (including the type of customer you are, your age group and your gender) from our systems to tailor our digital services to you. We only do so if you consent to the use cookies.
If you have accepted cookies for our digital services, but change your mind later:
Find out more about personalised information in our KBC Data Protection Statement.
This cookie policy applies to the KBC group companies listed below.
The data controller for processing personal data depends on the digital service that you access or use.
When you access a third-party website through our digital services, their cookie policy applies. Our apps sometimes send you to third-party websites, like when you buy 'Additional services' using our Mobile app. In that case, the third-party's cookie policy also applies and we'll inform you accordingly. As the third party's own cookie policy applies, we recommend that you read their policy, as well.
Contact our support services to get more help with questions and share feedback. For complaints about exercising your rights, contact our Complaints Management team. You can e-mail us, write to us or send us a message online (including through our website, KBC Touch, Bolero Online or our Bolero app).
If our Complaints Management team can't answer your question, contact the relevant Data Protection Officer.
KBC Bank NV, Havenlaan 2, 1080 Brussels, Belgium - VAT BE 0462.920.226
First point of contact: Your KBC branch, your KBC Insurance agent or mypersonaldata@kbc.be
Complaints Management: Brusselsesteenweg 100, 3000 Leuven or complaints@kbc.be.
Data Protection Officer: KBC Bank NV, Group Data Protection Unit (Group Compliance), Havenlaan 2, 1080 Brussels, or dataprotection@kbc.be.
CBC Banque SA, Avenue Albert Ier 60, 5000 Namur, Belgium - VAT BE 0403.211.380
First point of contact: Your CBC branch, your CBC Insurance agent or gps@cbc.be
Complaints Management: Avenue Albert Ier, 60, 5000 Namur of gestiondesplaintes@cbc.be
Data Protection Officer: CBC Banque, Data Protection Officer (Group Compliance), avenue du Port 2, 1080 Bruxelles or dataprotection@kbc.be
KBC Insurance NV, Professor Roger Van Overstraetenplein 2, 3000 Leuven, Belgium - VAT BE 0403.552.563
First point of contact: Your KBC branch, your KBC Insurance agent or mypersonaldata@kbc.be
Complaints Management: Brusselsesteenweg 100, 3000 Leuven or complaints@kbc.be.
Data Protection Officer: KBC Bank NV, Group Data Protection Unit (Group Compliance), Havenlaan 2, 1080 Brussels, or dataprotection@kbc.be.
KBC Group NV, Havenlaan 2, 1080 Brussels, Belgium - VAT BE 0403.227.515
See points of contact for KBC Bank NV or CBC Banque SA.
KBC Asset Management NV, Havenlaan 2, 1080 Brussels, Belgium - VAT BE 0469.444.267
Complaints Management: opr.am@kbc.be
Data Protection Officer: KBC Asset Management NV, Complaints Officer (Company Risk Department), Havenlaan 2, 1080 Brussels or dataprotectionkbcam@kbc.be
KBC Fund Management Ltd., CPPI Team Sandwith Street, Dublin 2, D02 X489, Ireland - VAT 450585
Complaints Management: Complaints Officer, KBC Fund Management Ltd., Sandwith Street, Dublin 2, D02 X489, Ireland or kbcfm.complaints@kbcfm.com
KBC Securities NV, Havenlaan 2, 1080 Brussels, Belgium - VAT BE 0437.060.521
Data Protection Officer: KBC Securities, Data Protection Officer, Havenlaan 2, 1080 Brussels or compliancegroup@kbcsecurities.be
KBC Autolease NV, Professor Roger Van Overstraetenplein 5, 3000 Leuven, Belgium - VAT BE 0422.562.385
First point of contact: drivercare@kbcautolease.be
Complaints Management: complaints@kbc.be
Data protection Officer: KBC Autolease NV, Data Protection Officer, Prof. R. Van Overstraetenplein 5, 3000 Leuven or dataprotection@kbcautolease.be
KBC Lease Belgium NV, Brusselsesteenweg 100, 3000 Leuven, Belgium - VAT BE 0426.403.684
First point of contact: Your KBC branch, your KBC Insurance agent or mypersonaldata@kbc.be
Complaints Management: Brusselsesteenweg 100, 3000 Leuven or complaints@kbc.be
Data Protection Officer: KBC Bank NV, Group Data Protection Unit (Group Compliance), Havenlaan 2, 1080 Brussels, or dataprotection@kbc.be.
We may change this cookie policy at any time going forward; only the most recent version applies. We'll also inform you when there are important changes and will ask for your consent if necessary.
(Last updated on 12 October 2020)
