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. In the detailed list of our cookies, you'll find an overview of all the cookies we can place, grouped by category. We also state you why we use these cookies and how long we store them. You yourself decide which cookies KBC may use for you. You can change your choice at any time.

Whenever we refer to KBC in this document, we mean one of the entities listed in section 5 below.

Cookies are small information files that are sent to your browser when you visit a website or use an app and that are stored on your computer, smartphone or tablet. These files are read in every time you visit this website or use the 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:

• Temporary (or session) cookies that are deleted when you close the browser or app
  
• Permanent (or persistent) cookies that remain until they expire or you delete them (persistent cookies let us remember you when you come back to visit us, so you don't have to log in again every time)
  
• First-party cookies used by one of our domains
• Third-party cookies placed by other domains outside our organisation

See our detailed cookie list for more details.

KBC distinguishes between 6 types of cookies:

Cookies needed for the app to work
These cookies make mobile banking with us secure and ensure that our digital services work correctly. These cookies are necessary, for example, to verify your identity when you log in, to establish the communication between you and our digital solutions, and to store your cookie settings.

You can't reject these cookies, as our digital services won't work without them. Your consent is not required for these cookies.

Analysis/Performance cookies
These cookies collect information to gain insight in visitor numbers and on how all our visitors use our digital solutions. They allow KBC to improve the content of our digital channels, to better align the digital channels to the needs of the users and increase the overall ease of use.

They tell us things like how many people use our digital services and for how long.

Comfort cookies
These cookies improve your ease of use and allow KBC to offer you better services.

We place these cookies, for example, to make sure we don't ask you to fill in a questionnaire once again the next time you visit, or to allow you to activate Kate's voice feature.

Comfort cookies also ensure that KBC can offer you a personalised service, for example, via Kate. The data we retrieve from these cookies allow us to inform you solely about services that are relevant to you.

Cookies for modelling
KBC use these cookies to set up surveys, models and statistics that are subsequently used for various purposes. This may involve commercial profiling, commercial messages for financial and/or non-financial products, personalised pricing, improving the high-quality service provision (comfort) and customising product and/or service offers by KBC and third parties. More information on modelling can be found in our privacy statement under paragraph 3.4.2.

Cookies for commercial messages on our website or apps
These cookies allow us to select commercial messages on our website or our apps that may be of interest to you (i.e. promotions, competitions, KBC products or services provided by our partners in KBC Mobile – for example, credit cards, loans, insurance products and Kate Coins).

Cookies for commercial messages on other online channels
Other online channels (e.g., social media) may place cookies on the KBC website that enable them to collect data (relating to your click and browsing behaviour, for example). This allows us to select online ads that may be of interest to you (i.e. promotions, competitions, KBC products or services provided by our partners in KBC Mobile). These cookies also allow us not only to assess how relevant these online ads are to you, but to improve them if necessary.

Viewing a video from Youtube may cause YouTube to add or read cookies.  You will need to give your explicit consent before viewing.

We give you as much control as we can. Please note that if you reject cookies, some parts of our digital services will be less tailored to your needs and preferences.

If you want to use a feature of our apps that requires consent for a specific cookie, KBC will guide you in changing your cookie settings, if you wish. For example, Kate will show you how to get to the management of your cookie settings in order for you to be able to use the speech recognition feature.

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' at the bottom of the website.
  
• 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 in to 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 let you opt 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 cooperation with third parties, KBC has entered into clear agreements with these third parties to safeguard your privacy.

When we collect personal data through cookies, we always do so in accordance with our privacy 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. KBC only does so if you consent to the use of those cookies.

If you have accepted cookies for our digital services, but change your mind later:

• We'll stop storing new data from the moment you reject cookies. If you change your cookie preference at a later time and give consent for their use again, we’ll add the new data to the previous data.
  
• KBC will continue to use the data already stored for modelling and commercial messages about financial and non-financial products if you have given your consent to the use of ‘personalised commercial messages'. More information on 'personalised commercial messages' can be found in the privacy statement.
  

This cookie policy applies to the KBC group companies mentioned below.
The data controller of 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 use 'Additional services' in KBC Mobile. 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 KBC Complaints Management. You can e-mail us, write to us or send us a message online (including through our website, KBC Touch, Bolero Online and our Bolero app). If our Complaints Management team can't answer your question, contact the relevant Data Protection Officer. 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: 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: 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: 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: Group Data Protection Unit (Group Compliance), Havenlaan 2, 1080 Brussels, or dataprotection@kbc.be.

24+ NV - Pastoor Coplaan 100, 2070 Zwijndrecht, België, BTW BE 0895.810.836
First point of contact: privacy@24plus.be
Data Protection Officer: Group Data Protection Unit (Group Compliance), Havenlaan 2 1080 Brussel, or dataprotection@kbc.be

KBC may change this cookie policy at any time going forward. Only the most recent version applies. KBC also inform you when there are important changes and will ask for your consent if necessary.