Cookie policy
The Cookie Policy describes the files stored temporarily on PCs and other devices visitors use to browse the websites of Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess). We use cookies to customise our customers experience on our websites. They indicate us which pages are the most visited, help us to measure the effectiveness of advertising and web searches, and give us an idea of how users interact with our websites.
A) Definition of a cookie:
Cookies are small text files sent by a website to a user’s device (which might be a desktop or laptop computer, a smartphone or a tablet) while he is browsing. They are stored in the browser's memory. The website that sent them can read and save the cookies found on the device so as to retrieve data of various types.
B) Types of cookies used on each Spuerkeess website:
Each site uses:
a. technical cookies ensuring that the site content can be used properly;
b. third-party analytical cookies as an anonymous and pooled instrument to analyse the attitudes of people who browse the site;
c. third-party profiling cookies to promote offers which are compatible with the customers requirements.
C) Definition of the various types of cookies:
a. Session cookies:
These cookies are deleted automatically when exiting the browser (e.g. Internet Explorer, Safari, Google Chrome).
b. Persistent cookies:
These cookies remain on the device and operate even after closing the browser, until they expire.
c. First-party cookies:
These cookies are generated by the owner of the website the user is browsing.
d. Third-party cookies:
These cookies are generated by parties (third-parties) other than the owner of the website the user is browsing (under an agreement between the website owner and the third party).
D) Definition of functional macro-categories:
a. Technical cookies
Technical cookies are necessary for the website to operate properly and to make browsing possible; without this type of cookies, users would not be able to view pages correctly or use some services. For example, a technical cookie is essential to keep users connected while they browse the website and to store language, display and other settings. Technical cookies can be subdivided into:
- browsing cookies which ensure that users can browse smoothly (e.g. by enabling them to make a purchase or log into the “members” area);
- functionality cookies, which improve the service delivered by tailoring the browsing experience based on a series of selected criteria (e.g. language, products selected for purchase).
- analytical cookies which can be assimilated to technical cookies if they are used directly by the site owner to gather information, in an aggregated form, on user numbers and how they use the site;
b. Profiling cookies
Profiling cookies are designed to create user profiles and are used to send advertising messages based on the preferences users indicate when browsing this network. Because of the particularly invasive nature of these cookies and their impact on users’ privacy, applicable regulations stipulate that users must be duly informed of their use and consent to it.
As these cookies are not necessary for the site to operate properly, but are only used to make internet users aware of the offers best suited to their needs, users have the option to enable or disable them directly on the websites of the cookies’ owners.
- Strictly necessary cookies. Acceptance of these cookies enables you to browse our website and use Spuerkeess digital services. Without these strictly necessary cookies, certain parts of our website would no longer function correctly. We use functional cookies to provide you with a personalised browsing service for a better customer experience. This is why they are activated by default.
- Analytical and advertising cookies. These cookies are used to improve our services, personalise your content and advertising, obtain statistics and analyse site traffic.
| Cookie name | Duration | Type | Description | |
|---|---|---|---|---|
| Feedback | Persistent (1 year) | first-party technical cookie | Used for the Feedback" module to remember which pages the user has already evaluated" | |
| popupInfo | Persistent (3 days) | first-party technical cookie | Used to manage the display of a specific info popup | |
| spuerkeess_modals | Session | first-party technical cookie | Used to manage the display of a specific modal popup |
b) EBRC / F5
These cookies are strictly necessary in connection with the site's security system at ebrc hosting company in an IT infrastructure in Luxembourg.
| Cookie name | Duration | Type | Description | |
|---|---|---|---|---|
| BIGipServer* | Persistent (1 year) | Third party technical cookie | Used for load balancing | |
| TS* | Persistent (1 year) | Third party technical cookie | Used for the web application firewall | |
c) Dynatrace
These cookies are strictly necessary in connection with the monitoring infrastructure of our web servers. The Dynatrace server is hosted on the same infrastructure in Luxembourg as the Web servers.
| Cookie name | Duration | Type | Description | |
|---|---|---|---|---|
| dtCookie | Session | Third party technical cookie | Infrastructure monitoring | |
| dtLatC | Session | Third party technical cookie | Latency measurement | |
| dtPC | Session | Third party technical cookie | Infrastructure monitoring | |
| dtSa* | Session | Third party technical cookie | Infrastructure monitoring | |
| dtBw | Session | Third party technical cookie | Infrastructure monitoring | |
| rxVisitor | Persistent (2 years) | Third party technical cookie | Infrastructure monitoring | |
| rxvt | Session | Third party technical cookie | Infrastructure monitoring | |
d) Piwik Pro
These are analytical cookies relating to the infrastructure for tracking visits on our websites. The Piwik Pro servers are hosted at a European company within the European Union.
| Cookie Name | Duration | Type | Description | |
|---|---|---|---|---|
| _pk_ses.<id>.<hash> | Session (30 minutes) | Third party analytics cookie | Anonymised visitor session ID | |
| _pk_id.<id>.<hash> | Persistent (13 months) | Third party analytics cookie | Randomly generated Identifier of a visitor | |
| _pk_cvar | Session (30 minutes) | Third party analytics cookie | Stores certain variables used by the Piwik Pro tool | |
| PIWIK _SESSID | Session (24 minutes) | Third party analytics cookie | Stores a PHP session ID | |
| ppms_privacy_<id> | Persistent (365 days) | Third party analytics cookie | Stores the visitor's decision regarding the storage of cookies (Consent Manager) | |
| stg_externalReferrer | Session | first-party technical cookie | Records the URL of the website that referred the visitor to the spuerkeess.lu website | |
| stg_last_interaction | Persistent (365 days) | first-party technical cookie | Determines whether the visitor's last session is still active or whether a new session has started | |
| stg_returning_visitor | Persistent (365 days) | first-party technical cookie | Determines whether the visitor has already visited the site | |
| stg_traffic_source_priority | Session (30 minutes) | first-party technical cookie | Records the type of traffic source how the visitor accessed the spuerkeess.lu site |
F) How to disable cookies:
Besides the settings in the “Your user experience depends on the use of cookies “ module, any user can configure his browser to block cookies automatically. It is possible to delete cookies stored in the browser or prevent new ones from being stored. Specific information on each browser, can be found in the "Help” section of said browser. Support articles can be searched by typing queries such as: “How to disable cookies in browser...”
G) Google Maps
Our website uses the Google Maps map service via an API (application programming interface) as part of the branch search. The provider of this map service is Google Ireland Limited, Gordon House, 4 Barrow Street, Dublin, Ireland (« Google »). In order to be able to use the Google Maps functions, your IP address needs to be saved. According to Google, this information is generally transferred to and stored on a server which can be situated in various countries, including the United States and several countries within the European Union. Spuerkeess, as the operator of the website, has no influence on the transfer of these data. The information is not transmitted until you click the “I accept” button on the map. Upon activating the map, you automatically consent to the transfer of this information. If you do not wish to consent to the transfer of this information, please do not click on the “I accept” button on the map. In this case, you can continue to select an agency without using Google Maps. This constitutes a legitimate interest as provided for in Art. 6, para. 1 (f) GDPR.
More information on the handling of user data can be found in Google’s Privacy Statement: https://policies.google.com/privacy?hl=en&gl=en
