What is a “cookie”?

Cookies are small text files saved on your device by the websites you visit. Cookies contain various information that is often necessary for the website to function properly. Cookies are encrypted in such a way that unauthorized persons cannot access your data. Information collected on the basis of cookies can be read only by ING Bank Hipoteczny and - for technical reasons - trusted partners whose technologies we use.

What do we use cookies for?

We divide cookies depending on the purpose for which we use them - basic and marketing.

Basic cookies - installed if the user has consented using the settings of the software installed on his telecommunications device. The basic cookies are technical and analytical.


Technical cookies - they are necessary for the website to function properly. We use them, among others, to:

  • ensure proper display of the page - depending on what device you use,
  • adapt our services to your choices - e.g. selected language,
  • remember if you consent to the display of certain content.


Analytical cookies - they are necessary to settle accounts with business partners or measure the effectiveness of our marketing 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,
  • detect various types of abuse, e.g. artificial Internet traffic (bots),
  • limit some marketing activities, including to protect users against spam (i.e. displaying the same advert repeatedly),
  • measure the effectiveness of actions carried out on our behalf, e.g. in the Google advertising network, in partner programs, on external websites,
  • settle accounts with business partners for advertising services based on registered user actions.


Marketing cookies - installed on the user's device only if he gives his consent, by means of which:

  • we profile advertisements displayed both on external websites and on the bank's websites, according to the preferences of users in terms of the choice of services, based on the data held by the Bank, including the behavior of users on the Bank's websites.

If you consent to marketing cookies, then we will be able to use information about your behavior on the bank's websites to customize advertisements. If you would like us to stop collecting this information - all you need to do is delete cookies from your device e.g. computer, smartphone or tablet. After re-entering the Bank's website, you will be asked again to consent to marketing cookies (each time you will be able to freely make a decision).


Marketing cookies will be valid for a maximum period of 2 years from their installation on the user's device.


By accessing the Bank's website, you may refuse the use of cookies for marketing purposes. Then we will not be able to adjust our advertisements based on the information collected by ING Bank Śląski S.A. on the Bank's website. However, general advertisements will still be displayed both on the Bank's website and on other websites. To broadcast advertisements on the Internet, we use technology provided by Google, therefore, additionally specify whether you agree to profiling advertisements on the Internet under this address.


How long will we use cookies?

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 leaving the website or turning off the software (web browser). These are primarily technical cookies. 

Permanent cookies - remain on the user's device for a specified period of time

in the file parameters or until they are manually deleted by the user.

Detailed information about the cookies and systems we use and trusted partners can be found in the tables below.


Detailed information about cookies



Detailed information about systems and trusted partners



Can I opt out of accepting cookies?

You can always change your browser settings and decline 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 the way our website is displayed in your browser. In some cases, the page may not display at all.


What happens if you do not agree to the use of cookies?

By visiting the ING Bank Hipoteczny website, you may not agree to the use of cookies for marketing purposes. Then we will not be able to adjust our advertisements based on the information collected by ING Bank Hipoteczny or ING Bank Śląski S.A. on the website. However, advertisements will still be displayed on the ING Bank Hipoteczny website as well as on other websites.

Other information related to data processing

Data Controller

ING Bank Hipoteczny S.A.
ul. Chorzowska 50
40-101 Katowice

Data Protection Officer

Lilianna Rother-Obrączka
ul. Chorzowska 50
40-101 Katowice
E: abi.bank.hipoteczny@inghipoteczny.pl


In accordance with applicable regulations, in the event of a breach of the provisions on the protection of personal data, you have the right to submit a complaint to the President of the Personal Data Protection Office.


How to disable cookies?

You can delete cookies from your browser at any time and block the possibility of their reinstallation.

Depending on the browser you use, the option to delete or withdraw consent to the installation of cookies may differ. Below you will find links to sample instructions.

For Firefox:

1. At the top of the browser window, press the Firefox button (in Windows XP, click the Tools menu) and select Options.

2. Then select the Privacy panel.

3. From the drop-down menu for Firefox: select an option: will use user history settings.

4. Check Accept cookies to enable, uncheck to disable cookies.

5. Select the storage period for cookies:

a) Keep them until they expire - the cookie will be deleted after reaching the expiry date, which is determined by the website sending the cookie.

b) Keep until Firefox is closed - cookies stored on your computer will be deleted when you close Firefox.

c) Store, ask me every time - each time a site tries to send a cookie, the browser will prompt you to make a decision regarding the storage of the cookie.

6. Press the OK button to close the options window

More about Firefox settings


For Google Chrome:

1. Click the Chrome menu on the browser toolbar.

2. Select Settings.

3. Click Show Advanced Settings.

4. In the Privacy section, click the Content Settings button.

5. In the Cookies section you can change the following cookie settings:

a) Default cookie blocking:

• Blocking all cookies: select Block attempts to put data from websites on your computer. Remember that this setting prevents most sites that require logging in from working.

• Block only third-party cookies: select the Ignore exceptions check box and block the creation of third-party cookies. Selecting this check box will reject third-party cookies from the site, even if the site has been added to the Exceptions list and can create cookies on your computer.

  1. Default allowing cookies

If you want to allow both your own and third-party cookies, select Allow local data. To accept only your own cookies, select the Block all third-party cookies without exception check box.

More about Chrome browser settings


For Internet Explorer 9:

1. In the browser window, click the Tools button, and then click Internet Options.

2. Click the Privacy tab, and then under Settings, move the slider to the highest position to block all cookies, or to the lowest position to allow all cookies, and then click OK.

More about Internet Explorer 9 settings


Instructions for other browsers: OperaSafari