If you’re considering buying a car, van or
agricultural vehicle for your business, you may prefer not to touch
your business assets to do so. Borrowing might be better for financing
a new company vehicle, letting you spread your costs.
1. What are cookies?
Cookies are small files that are installed on your computer, smartphone or tablet when you visit a website or use an application.
There are various types of cookies, which ensure that you can be recognised for various purposes, e.g. storing your language preference in order to make your visit to our websites more convenient. Thus you need not select your language each time you visit. Other cookies are anonymous and collect information on how visitors use a website or application.
Where we mention “cookies” in this document, we are referring to cookies and to comparable technologies, such as software development kits (SDKs). These are used to achieve the same purposes in apps as cookies do in browsers.
2. What types of cookies are there?
KBC distinguishes among 3 types of cookies. You will find a list of all the specific cookies that KBC uses in point 8 .
Essential cookies are required for the operation of our websites and applications. These cookies are necessary for verifying your identity when you log in, for example.
Analysis cookies are anonymous cookies that collect information about the way visitors use our websites and applications (pages visited, average duration of visit, etc.) to improve the operation of the sites and the applications in general.
KBC also uses a variety of other non-anonymous cookies to register your preferences or behaviour for various purposes:
Functionality cookies make browsing more convenient, such as by remembering your language preference;
Advertising and personalisation cookies collect information about your browsing habits with the aim of offering you advertising or content that falls within your sphere of interest
Tracking cookies are used to track your browsing behaviour on one or more websites
Social Media cookies are used to share information with social media parties such as Facebook, Twitter or LinkedIn
A cookie can have multiple purposes.
3. How long do cookies remain?
Temporary cookies are temporarily stored in your browser or application. As soon as you close your browser or application, these cookies are automatically deleted.
Permanent cookies remain on your computer, tablet or smartphone, even after you close the browser or application. Permanent cookies make it possible to recognise you during a subsequent visit to the website. They remain on your device until such time as their expiry date is reached, a new version of the cookie is installed, or you manually delete them .
4. Who installs and manages cookies?
First-party cookies are installed and managed by KBC. They are specific to the KBC website that is visited or the KBC application used.
Third-party cookies are installed and controlled by a third party. They are installed during your visit to a KBC website or use of a KBC application. They ensure that your visit to the KBC website or your use of an application results in certain information being sent to third parties.
5. What about your privacy?
If KBC uses third-party cookies (see point 4), it makes sure that third parties cannot identify you from the data stored in them.
When you opt for 'personalised information', for this we use stored cookie data to help us provide you with the information that you want. Find out more about 'personalised information' in the KBC Privacy Statement.
6. What effect does your cookie preference have?
If your preference is selected on a kbc.be-domain, it applies to all websites with “kbc.be” in the address (e.g. www.kbc.be/ondernemen/en.html, privatebanking.kbc.be/en). Separate preferences are set for all cbc.be and kbcbrussels.be-domain websites. If you use multiple browsers (such as Internet Explorer, Safari and Chrome) then you must select a preference for each browser separately.
You can select a cookie preference in the following KBC apps: KBC Assist, KBC Business, KBC Business Dashboard, KBC Invest, KBC K'Ching, KBC Mobile and KBC Touch. Your preference only applies to the application that you select the preference in.
7. How to change your cookie preference?
a. Accepting or refusing cookies for KBC websites and KBC apps
On a website: at the bottom of a web page, select 'Change cookie preference' then 'More information on cookies' and choose accordingly.
In an application: select 'Change cookie preference' in the menu and choose accordingly.
Do you want cookies? Select “I accept cookies”.
Note: legally, KBC does not need your permission to continue to use essential cookies (see 2, above) and changing your cookie preference does not change that.
c. In certain browsers you can choose not to be followed by websites (“Do not follow” or “Do not track”). KBC only considers its own cookie mechanism and does not support “Do not track”.
d. Accepting, refusing or deleting all cookies
You can refuse to allow the installation of cookies in your browser settings. You can also remove all installed cookies from your computer or mobile device at any time. The methods for refusing cookies in the commonest browsers can be found at http://www.aboutcookies.org.