ING Bank Hipoteczny Policy of cookies and other technologies
The administrator of the website to which this Policy applies is ING Bank Hipoteczny S.A. (hereinafter referred to as the Bank) address: 40-101 Katowice, Chorzowska 50, website: www.inghipoteczny.pl, NIP 205-000-51-99, KRS no. 0000723965 District Court Katowice - Wschód, share capital and paid-in capital PLN 380,000,000.00, supervisory authority – Polish Financial Supervision Authority, Piękna 20, 00-549 Warsaw.
What is a "cookie" file?
Cookies and other technologies (hereinafter referred to as cookies) are small files/programs saved on your device by websites you visit. Cookies contain information processed for the purposes specified below, including those necessary for the website to function properly. Cookies are encrypted in such a way that unauthorized persons do not have access to them. Information collected on the basis of cookies can only be read by the Bank and - for technical reasons - trusted partners that use the technologies we use.
For what purpose do we use cookies?
We divide cookies depending on the purpose for which we use them - technical, analytical and marketing.
Technical cookies - they are necessary for the website to function properly. We use them to:
ensure proper display of the page - taking into account the requirements of the device you are using,
adapt our services to your choices that are technically important for the operation of the website, e.g. the selected language,
remember whether you consent to the display of certain content.
Analytical cookies - are necessary to measure the effectiveness of our activities without identifying personal data and to improve the functioning of our website. We use them to:
examine website traffic statistics and check traffic sources (redirections),
limit some marketing activities, including: to protect users from seeing the same ad multiple times,
measure - without identifying personal data - on this basis, settle the effectiveness of actions carried out for the Bank, e.g. in the Google advertising network, in partner programs, on external websites.
Information about the processing time is available on the list of cookies that is part of the Policy.
Marketing cookies - installed on the user's device only if the user consents, using which:
we profile advertisements displayed both on external websites and on the Bank's websites, according to users' preferences regarding the selection of services, based on data held by the Bank, including user behavior on the Bank's websites.
You can refuse the use of optional cookies i.e. analytical and marketing or withdraw your previously granted consent. If you agree to optional cookies, we will be able to use information about your behavior on the Bank's websites for statistical purposes. If you would like us to stop collecting this information, simply delete cookies from your device, e.g. computer, smartphone or tablet. You can also change your consent settings at any time - click and adjust your cookie consents.
You can refuse the use of cookies for marketing purposes or withdraw your previously granted consent. Then we will not be able to install marketing cookies on your device or have access to information already stored on your device, which means that we will not adapt advertisements based on information collected by ING Bank Śląski S.A. on the Bank's website. HHowever, you may still see general advertising for ING Bank Śląski S.A. both on the Bank's website and on other websites.
To display advertisements on the Internet, ING Bank Śląski S.A. uses technology provided by Google and Facebook (Meta). Information about Google's principles of operation and data processing on the Internet can be found here. You can find information about Facebook ads here.
Google Marketing Platform, Google Ads and Facebook (Meta) use cookies, for which these applications are referred to as: Google, Google Marketing Platform, Google Ads or Facebook (Meta) in the "detailed information about cookies".
Google Marketing Platform, Google Ads and Facebook (Meta) may process personal data worldwide, including in the USA. This may involve possible risks due to the lack of a decision confirming the appropriate level of protection and the lack of appropriate safeguards. The data may be used, for example, by state authorities for control purposes without the possibility of using legal remedies.
In the consent panel for individual optional cookies we use the setting consistent with your previously expressed consent. If you have agreed to save analytical or marketing cookies - they are marked as active (enabled) in the consent panel. You can change this decision at any time by turning them off by unchecking consent in the consent panel. In such a case, we will consider your consent to be invalid and we will not save and process information in the selected cookie area.
How long will we use cookies?
We will save your choice regarding cookie consent for a period of 400 days. After this time, we will ask you again for your consent to save analytical and marketing cookies. If we make changes to the operation, quantity, ownership or purpose of analytical or marketing cookies, we will consider your previous consents or their lack to be no longer valid and we will ask you to refer to them again. We will consider your updated consents valid for another 400 days. If the technical cookies we are required to save change, we will not inform you separately or extend the duration of your consents, unless the change affects the way your personal data is processed. You will always find an up-to-date list of all cookies on this page.
We also divide all cookies according to the time for which they are installed in the user's browser:
Session cookies - remain on the user's device until they leave the website or turn off the software (web browser). These are primarily technical cookies.
Permanent cookies - remain on the user's device for the time specified in the file parameters or until they are manually deleted by the user.
Detailed information about the cookies, systems and trusted partners we use can be found in the tables below.
Detailed information about cookies
Technical cookies
List of cookies used by the website
Cookie name
How it works
App
Usage time
Property
cookiePolicyGDPR__details
Contains the date of the user's decision regarding the Cookie Policy.
ING
Permanent, 400 days
1st party
cookiePolicyINCPS
Required to properly perform migration from the old cookie management solution to the new one with extended options. It allows identifying users who require migration.
ING
Permanent, 400 days
1st party
JSESSIONID
This is a cookie in a Web J2EE application, used for session tracking.
ING
Session, until the end of the browser session
1st party
tag
Ensures proper operation of tags on the website.
ING
Session, until the end of the browser session
1st party
incap_ses_**_***
Improves website performance and security.
Incapsula
Session, until the end of the browser session
1st party
visid_incap_****
Improves website performance and security.
Incapsula
Permanent, 1 year
1st party
bizPEUSerID
onStage Proactive Engagement (oSPE) monitors user behavior and displays proactive messages based on defined rules. Data is used for analytics, security and marketing purposes, depending on user consent.
oSPE
Permanent, 1 year
1st party
OSPESESSID
Supports the operation of the oSPE application.
oSPE
Session, until the end of the browser session
1st party
Analytical cookies
List of analytical cookies used by the website
Cookie name
How it works
Application
Usage time
Party
_ga
Used to distinguish users. Contains a unique user ID and timestamp.
Google Analytics
Permanent, 2 years
1st party
_gid
Used to distinguish users. Contains a unique user ID and timestamp.
Google Analytics
Permanent, 1 day
1st party
NID
Stores user preferences such as language, number of search results and SafeSearch settings.
Google
Permanent, 180 days
3rd party
_ga_****
Stores session state.
Google Analytics
Permanent, 2 years
1st party
last_visited_segment
Stores information about the last visited page node.
ING
Session, until the end of the browser session
1st party
_gcl_au
Stores information about ad clicks for conversion attribution.
Google Tag Manager
Permanent, 90 days
1st party
_gcl_dc
Stores information about ad clicks for conversion attribution.
Google Tag Manager
Permanent, 90 days
1st party
_gcl_aw
Stores information about ad clicks for conversion attribution.
Google Tag Manager
Permanent, 90 days
1st party
s_vi_****
Contains a unique user ID with a timestamp.
Adobe Analytics
Permanent, 2 years
3rd party
s_cc
Indicates whether cookies are enabled.
Adobe Analytics
Session, until the end of the browser session
1st party
s_fid
Contains an alternate unique user ID used when the s_vi cookie is blocked.
Adobe Analytics
Permanent, 5 years
1st party
Gdyn
Gemius cookie used to collect information about visits.
Gemius
Permanent, 1 year
1st party
AMCV_*****AdobeOrg
Stores a unique user ID used in Adobe Experience Cloud.
Adobe Analytics
Permanent, 2 years
1st party
AMCVS_*****AdobeOrg
Session flag indicating that a session has been initiated.
Adobe Analytics
Session, until the end of the browser session
1st party
TRADEDOUBLER
Contains a unique user ID provided by Tradedoubler.
Tradedoubler
Permanent, 1 year
1st party
TradeDoublerGUID
Contains a unique user ID provided by Tradedoubler.
Tradedoubler
Permanent, 1 year
3rd party
Marketing
List of analytical and marketing cookies used by the website
Cookie name
How it works
Application
Usage time
Party
bizPEUSerID
onStage Proactive Engagement (oSPE) monitors user behavior and displays proactive messages based on defined rules. Data is used for analytics, security and marketing purposes depending on user consent.
oSPE
Permanent, 1 year
1st party
OSPESESSID
Supports the operation of the oSPE application.
oSPE
Session, until the end of the browser session
1st party
cookieSEG
Stores identifiers of segments assigned to the user/browser.
oSPE
Permanent, 90 days
1st party
GAD
Used in banner display settings on ing.pl.
Gemius AdOcean
Permanent, 1 year
1st party
_gcl_au
Stores information about ad clicks for conversion attribution.
Google Tag Manager
Permanent, 90 days
1st party
_gcl_aw
Stores information about ad clicks for conversion attribution.
Google Tag Manager
Permanent, 90 days
1st party
_gcl_dc
Stores information about ad clicks for conversion attribution.
Google Tag Manager
Permanent, 90 days
1st party
DSID
Identifies users logged into Google services on non-Google websites and stores ad personalization settings.
Google Marketing Platform
Permanent, 14 days
3rd party
FLC
Used for advertising measurement and targeting.
Google Marketing Platform
Permanent, 10 seconds
3rd party
IDE
Used to display and retarget ads on non‑Google sites.
Google Marketing Platform
Permanent, 390 days
3rd party
SIDCC
Ensures secure authentication and protection of user data.
Google
Permanent, 1 year
3rd party
SSID, APISID, SAPISID
Authenticate users, prevent fraud and secure data.
Google
Permanent, 2 years
3rd party
HSID
Contains encrypted data identifying the user and helps prevent attacks.
Google
Permanent, 2 years
3rd party
SID
Contains encrypted data identifying the user and helps prevent attacks.
Google
Permanent, 2 years
3rd party
NID
Stores user preferences such as language and search settings.
Google
Permanent, 180 days
3rd party
1P_JAR
Used by Google Ads for advertising purposes.
Google
Permanent, 30 days
3rd party
CONSENT
Stores consent status for Google services.
Google
Permanent, 2 years
3rd party
__Secure-1PAPISID
Stores identifiers of logged-in Google users.
Google
Permanent, 2 years
3rd party
__Secure-1PSID
Stores identifiers of logged-in Google users.
Google
Permanent, 2 years
3rd party
__Secure-3PAPISID
Stores identifiers of logged-in Google users.
Google
Permanent, 2 years
3rd party
__Secure-3PSID
Stores identifiers of logged-in Google users.
Google
Permanent, 2 years
3rd party
__Secure-3PSIDCC
Stores identifiers of logged-in Google users.
Google
Permanent, 2 years
3rd party
.DDMMUI-PROFILE
Stores DoubleClick configuration settings.
Google
Permanent, 7 days
3rd party
SEARCH_SAMESITE
Associated with Google services.
Google
Permanent, 180 days
3rd party
DV
Associated with Google services.
Google
Permanent, 7–10 minutes
3rd party
XSRF-TOKEN
Protects against CSRF attacks.
Google
Session, until the end of the browser session
3rd party
Conversion
Used for tracking conversions.
Google
Permanent, 90 days
3rd party
S
Associated with Google services.
Google
Session, until the end of the browser session
3rd party
_fbp
Stores browser ID for Facebook advertising and analytics.
Facebook (Meta)
Permanent, 90 days
1st party
_fbc
Stores browser ID for Facebook advertising and analytics.
Facebook (Meta)
Permanent, 2 years
1st party
See information about systems and trusted partners
Overview of systems and cookies used on the website
System / Cookies
Characteristics
Trusted partner
Purpose category
GDPR Policy Cookie
Stores user consents expressed on the website, including consent for marketing, analytical and technical cookies (cookiePolicyGDPR).
ING Bank Śląski S.A.
Technical
Gemius AdOcean
Manages banner display and measures traffic generated by banners. Controls display logic (e.g. frequency capping, disabling creatives after click).
Gemius S.A.
Analytical or marketing (depending on consent)
Google Analytics
Measures traffic on the website.
Google Ireland Limited
Analytical
Google Ads
Enables purchasing, customising and measuring effectiveness of ads.
Google Ireland Limited
Marketing
Google Marketing Platform (DoubleClick)
Enables advanced analysis of user interactions with ads and supports ad purchase and optimisation. Collects data such as impressions, clicks, devices and browsing context.
Google Ireland Limited
Marketing
TradeDoubler
Measures effectiveness of marketing activities and supports settlements with partners.
TradeDoubler Sp. z o.o.
Analytical
Adobe Analytics
Collects data about page views, browsers and visit timestamps for statistical analysis.
Adobe Systems Software Ireland Ltd.
Analytical
Khoros
Monitors traffic on the Społeczność ING platform.
Khoros, LLC
Technical
onStage Proactive Engagement (oSPE)
Tracks user behaviour and displays proactive messages based on rules. Data may be used for analytics, security and marketing depending on consent.
ING Bank Śląski S.A.
Technical or marketing (depending on consent)
Google Firebase
Generates identifiers (e.g. based on Android Advertising ID) to track user actions in the mobile app context (e.g. account creation flow).
Google Ireland Limited
Analytical
Facebook (Meta) Pixel
Supports marketing activities on Facebook (Meta) and measures their effectiveness.
Meta Platforms
Marketing
Can I opt out of accepting cookies?
You can always change your browser settings and reject requests to install cookies. However, before you decide to change the settings, please note that cookies serve your convenience of using the website. Thanks to them, you will receive more relevant ads. Disabling cookies may affect how our website will be displayed in your browser. In some cases, the page may not display at all.
Other information related to the data processing process
Data administrator
ING Bank Hipoteczny S.A.
ul. Chorzowska 50
40-101 Katowice
You can change cookie settings in your browser at any time, including deleting cookies and blocking their reinstallation.
Depending on the browser you use, the option to delete or withdraw consent to the installation of cookies may vary. Below you will find links to sample instructions.
