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);
- 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;
- 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).
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.
The cookies used on this website can be attributed to different owners:
- Spuerkeess : These cookies are used for some specific functionalities of the website
- Ebrc / F5 : These cookies are related to the security purposes of our site by our webhoster ebrc in a data processing infrastructure located in Luxembourg
- Dynatrace : These cookies are related to the monitoring infrastructure of our web servers. The Dynatrace servers is hosted in the same infrastructure in Luxembourg as the Web servers
- Google : These cookies are related to specific services provided by Google. Google is an american company and their servers are located in various countries, including the United States and several countries within the European Union
- Piwik Pro : These cookies are related to the infrastructure for tracking visits to our site. The Piwik Pro servers are located at a European company within the European Union
This site uses the following cookies:
| Cookie name | Owner | Duration | Type | Description | " |
|---|---|---|---|---|---|
| allowed_cookies_analytics | Spuerkeess | Permanent (1 year) | first-party technical cookie | Cookie management | " |
| allowed_cookies_mandatory | Spuerkeess | Permanent (1 year) | first-party technical cookie | Cookie management | " |
| allowed_cookies_service | Spuerkeess | Permanent (1 year) | first-party technical cookie | Cookie management | " |
| bceeCookieDisclaimerAccepted | Spuerkeess | Permanent (1 year) | first-party technical cookie | Cookie management | " |
| Feedback | Spuerkeess | Permanent (1 year) | first-party technical cookie | Used for the Feedback" module to know what pages you already rated " | " |
| popupInfo | Spuerkeess | Permanent (3 days) | first-party technical cookie | Used for a specific popup display | " |
| spuerkeess_modals | Spuerkeess | Session | first-party technical cookie | Used for a specific modal popup display | " |
| BIGipServer* | ebrc / F5 | Permanent (1 year) | Third party technical cookie | Used for the load balancing | " |
| TS* | ebrc / F5 | Permanent (1 year) | Third party technical cookie | Used for the Web Application Firewall | " |
| dtCookie | Dynatrace | Session | Third party technical cookie | Checking the technical infrastructure | "" |
| dtLatC | Dynatrace | Session | Third party technical cookie | Measured latency to server | " |
| dtPC | Dynatrace | Session | Third party technical cookie | Checking the technical infrastructure | " |
| dtSa* | Dynatrace | Session | Third party technical cookie | Checking the technical infrastructure | " |
| dtBw | Dynatrace | Session | Third party technical cookie | Checking the technical infrastructure | " |
| rxVisitor | Dynatrace | Permanent (2 years) | Third party technical cookie | Checking the technical infrastructure | " |
| rxvt | Dynatrace | Session | Third party technical cookie | Checking the technical infrastructure | " |
| _GRECAPTCHA | Permanent (6 months) | Third party technical cookie | Used by the Re-Captcha Module on some Forms | " | |
| _pk_ses.<id>.<hash> | Piwik Pro | Session (30 minutes) | Third party analytics cookie | Shows an active session of the visitor. | " |
| _pk_id.<id>.<hash> | Piwik Pro | Permanent (13 months) | Third party analytics cookie | Anonymized and used to recognize the visitor and hold their various properties | " |
| _pk_cvar | Piwik Pro | Session (30 minutes) | Third party analytics cookie | Holds custom variables that were set during previous page view | " |
| PIWIK _SESSID | Piwik Pro | Session (24 minutes) | Third party analytics cookie | Stores a PHP session ID | " |
| ppms_privacy_<id> | Piwik Pro | Permanent (365 days)/Session (30 Minutes) | Third party analytics cookie | Stores visitor's consent to data collection and usage (Consent Manager) | " |
| stg_externalReferrer | Piwik Pro | Session | first-party technical cookie | Stores an URL of a website that referred a visitor to spuerkeess.lu | " |
| stg_last_interaction | Piwik Pro | Permanent (365 days) | first-party technical cookie | Determines whether the last visitor's session is still in progress or a new session has started | " |
| stg_returning_visitor | Piwik Pro | Permanent (365 days) | first-party technical cookie | Determines if the visitor has already been to our website | " |
| stg_traffic_source_priority | Piwik Pro | Session (30 minutes) | first-party technical cookie | Stores the type of traffic source that explains how the visitor reached spuerkeess.lu | " |
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
H) Google Recaptcha
To protect your data when you enter them using an Internet form, Spuerkeess uses the reCAPTCHA service offered by Google Ireland Limited, Gordon House, 4 Barrow Street, Dublin, Ireland (« Google »). This query serves to differentiate whether the entry was made by a human being or in a fraudulent manner through automated machine-processing. This query includes sending your IP address, and possibly other data required by Google for their reCAPTCHA service, to Google which is why your entry is transmitted to Google where it will be further processed.
When you use the Google reCAPTCHA service, you automatically declare that you agree to the dispatching of your data to Google. However, should IP anonymization be activated on the website, your IP address will be shortened by Google within the Member States of the European Union and other signatories to the Agreement on the European Economic Area prior to being dispatched. Only in exceptional cases will your full IP address be transmitted to a Google server in the USA where it will then be shortened.
On behalf of the provider of this website, Google will use this information to evaluate your usage of this service. Google will not combine the IP address transmitted by your browser during the reCAPTCHA process with any other data. Google’s deviating data protection rules apply to these data.
The processing of data is implemented by Spuerkeess on the basis of Article 6 paragraph 1 point f) of Regulation (EU) 2016/679 of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data and is based on the legitimate interest of Spuerkeess to ensure that the entries made are carried by an individual will and to avoid abuse and spam.
