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.

 

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. The use of technical cookies does not require your consent. 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. They are installed on your device after obtaining your consent. 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.

 

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

You can refuse the use of analytical cookies or withdraw your previously granted consent. If you agree to analytical cookies, we will be able to use information about your behavior on the bank's websites for statistical purposes and to improve the operation of our website. 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 also 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 our advertisements based on information collected by ING Bank Hipoteczny S.A. on the bank's website. However, you can still see our general advertising both on the bank's website and on other websites.

To display advertisements on the Internet, we use technology provided by Google, which in some cases may include the processing of your personal data. Information about Google's principles of operation and data processing on the Internet, including advertising profiling, can be found here.

Google Marketing Platform and Google Ads use cookies, for which these applications are referred to as: Google, Google Marketing Platform or Google Ads in the "detailed information about cookies".

Google Marketing Platform and Google Ads 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, i.e. analytical or marketing 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
Cookie's name How it works App Usage time Property

cookiePolicyGDPR

Contains the user's consent to the Cookie Policy

ING

Permanent, 400 days

1st party

cookiePolicyGDPR__details

Contains the date of the user's decision regarding the Cookie Policy

ING

Permanent, 400 days

1st party

cookiePolicyINCPS

The cookie is necessary to properly carry out the process of migrating the old solution with two options for selecting cookie types to a new one with more options for selecting cookie types. Without it, this operation cannot be performed correctly because we will not know which users require migration and which do not

ING

Permanent, 400 days

1st party

JSESSIONID

This is a cookie in a Web J2EE application, used for session tracking

ING

Sessional, until the end of the browser session

1st party

tag

Enables tags to work properly on the page

ING

Sessional, until the end of the browser session

1st party

incap_ses_**_***

The cookie improves website performance and security

Incapsula

Sessional, until the end of the browser session

1st party

visid_incap_****

The cookie improves website performance and security

Incapsula

Permanent, 1 year

1st party

bizPEUSerID

onStage Proactive Engagement (oSPE) monitors user behavior on the website as they navigate the site and introduces proactive messages based on defined logical rules. The data is used for analytical, user security and marketing purposes depending on the consent given

oSPE

Permanent, 1 year

1st party

OSPESESSID

Supports the operation of the oSPE application

oSPE

Sessional, until the end of the browser session

1st party

 

Analytical cookies
Cookie's name How it works App Usage time Property

_ga

Used to distinguish users. Contains a unique user ID along with a timestamp

Google Analytics

Permanent, 2 years

1st party

_gid

Used to distinguish users. Contains a unique user ID along with a timestamp

Google Analytics

Permanent, 1 day

1st party

NID

Contains a unique identifier that is used to remember user preferences and other information - e.g. preferred language, number of search results displayed on the page and enabling or disabling SafeSearch

Google

Permanent, 180 days

3rd party

_ga_****

Used to store session state

Google Analytics

Permanent, 2 years

1st party

last_visited_segment

Contains information about the subpage node last viewed by the user

ING

Sessional, until the end of the browser session

1st party

_gcl_au

Contains information about ad clicks and stores it for conversion attribution through conversion linker functionality

Google Tak Manager

Permanent, 90 days

1st party

_gcl_dc

Contains information about ad clicks and stores it for conversion attribution through conversion linker functionality

Google Tag Manager

Permanent, 90 days

1st party

_gcl_aw

Contains information about ad clicks and stores it for conversion attribution through conversion linker functionality

Google Tag Manager

Permanent, 90 days

1st party

s_vi_****

Contains a unique user ID along with a timestamp

Adobe Analytics

Permanent, 2 years

3rd party

s_cc

Stores information (value = 'true') whether cookies are enabled/enabled

Adobe Analytics

Sessional, until the end of the browser session

1st party

s_fid

Contains a randomly generated alternate unique user ID. Used when the s_vi cookie is blocked

Adobe Analytics

Permanent, 5 years

1st party

Gdyn

Gemius cookie, which collects information about visits to the website

Gemius

Permanent, 1 year

1st party

AMCV_*****AdobeOrg

Contains a unique user ID used within Adobe Experience Cloud

Adobe Analytics

Permanent, 2 years

1st party

AMCVS_*****AdobeOrg

Serves as a flag indicating that a session has been initiated. Its value is always 1 and ends when the session ends

Adobe Analytics

Sessional, 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 cookies
Cookie's name How it works App Usage time Property

bizPEUSerID

onStage Proactive Engagement (oSPE) monitors user behavior on the website as they navigate the site and introduces proactive messages based on defined logical rules. The data is used for analytical, user security and marketing purposes depending on the consent given

oSPE

Permanent, 1 year

1st party

OSPESESSID

Supports the operation of the oSPE application

oSPE

Sessional, until the end of the browser session

1st party

cookieSEG

Stores the identifiers of the segments to which the user/browser has been qualified

oSPE

Permanent, 90 days

1st party

GAD

Used in banner display settings on the website www.ing.pl

Gemius AdOcean

Permanent, 1 year

1st party

_gcl_au

Contains information about ad clicks and stores it for conversion attribution through conversion linker functionality

Google Tag Manager

Permanent, 90 days

1st party

_gcl_aw

Contains information about ad clicks and stores it for conversion attribution through conversion linker functionality

Google Tag Manager

Permanent, 90 days

1st party

_gcl_dc

Contains information about ad clicks and stores it for conversion attribution through conversion linker functionality

Google Tag Manager

Permanent, 90 days

1st party

DSID

It is used to identify a user logged in to Google services on non-Google websites. It also stores user settings for ad personalization

Google Marketing Platform

Permanent, 14 days

3rd party

FLC

Associated with Google services and used for advertising measurement and targeting

Google Marketing Platform

Permanent, 10 seconds

3rd party

IDE

It is used to display or retarget Google ads on non-Google sites

Google Marketing Platform

Permanent, 390 days

3rd party

SIDCC

Used to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties

Google

Permanent, 1 year

3rd party

SSID, APISID, SAPISID

Google uses these cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.

Google

Permanent, 2 years

3rd party

HSID

It contains digitally signed and encrypted data that identifies the user's Google account and indicates the last login time. Connection with SID allows you to block various attacks - e.g. attempts to intercept content from forms completed in Google services

Google

Permanent, 2 years

3rd party

SID

It contains digitally signed and encrypted data that identifies the user's Google account and indicates the last login time. Connection with HSID allows you to block various attacks - e.g. attempts to intercept content from forms completed in Google services

Google

Permanent, 2 years

3rd party

NID

Contains a unique identifier that is used to remember user preferences and other information - e.g. preferred language, number of search results displayed on the page and enabling or disabling SafeSearch

Google

Permanent, 180 days

3rd party

1P_JAR

Related to Google Ads

Google

Permanent, 30 days

3rd party

CONSENT

Applies to consent statuses in Google services

Google

Permanent, 2 years

3rd party

__Secure-1PAPISID

It is used to store the IDs of users logged in to Google

Google

Permanent, 2 years

3rd party

__Secure-1PSID

It is used to store the IDs of users logged in to Google

Google

Permanent, 2 years

3rd party

__Secure-3PAPISID

It is used to store the IDs of users logged in to Google

Google

Permanent, 2 years

3rd party

__Secure-3PSID

It is used to store the IDs of users logged in to Google

Google

Permanent, 2 years

3rd party

__Secure-3PSIDCC

It is used to store the IDs of users logged in to Google

Google

Permanent, 2 years

3rd party

.DDMMUI-PROFILE

Associated with Google services, used to store DoubleClick Digital Marketing settings

Google

Permanent, 7 days

3rd party

SEARCH_SAMESITE

Related to Google services

Google

Permanent, 180 days

3rd party

DV

Related to Google services

Google

Permanent, 7-10 minutes

3rd party

XSRF-TOKEN

Linked to Google services, protects against CSRF attacks

Google

Sessional, until the end of the browser session

3rd party

Conversion

Related to Google services

Google

Permanent, 90 days

3rd party

S

Related to Google services

Google

Sessional, until the end of the browser session

3rd party

OGP

Associated with Google services, used to limit service messages

Google

Permanent, 30 days

3rd party

OGPC

Associated with Google services, used to limit service messages

Google

Permanent, 30 days

3rd party

OTZ

Associated with Google services, used to record time zone information

Google

Permanent, 30 days

3rd party

 

 

Detailed information about systems and trusted partners

See details
System/Cookies Characteristics Trusted Partner Use category (purpose)

Cookie called "GDPR Policy Cookie" controlling consent to data processing for marketing purposes and other technical and analytical cookies

The cookie records, among others: consents expressed by the visitor to the bank's website.

The "cookiePolicyGDPR" cookie stores your consent/or lack thereof to the installation of marketing cookies.

ING Bank Śląski S.A.

Technical

Gemius AdOcean

AdOcean allows you to manage banners displayed on the ing.pl website. System cookies are used to measure traffic generated from banners, manage the display logic (including limiting the number per user or disabling creatives after clicking in order to limit the generated spam).

Gemius S.A.

Analytical or marketing - depending on the consent expressed by the user and stored in the "cookiePolicyGDPR" cookie

Google Analytics

Google Analytics allows you to measure traffic on websites

Google Ireland Limited

Analytical

Google Ads

Google As allows you to purchase and customize ads and monitor their effectiveness by ING Bank Śląski (more information can be found at: http://support.google.com/adwords/answer/2407785 https://policies.google.com/privacy? hl=pl).

Google Ireland Limited

Marketing

Google Marketing Platform  (DoubleClick Bid Manager,  DoubleClick Campaign Manager,  DoubleClick Search)

The DoubleClick platform allows for advanced analysis of the activity of users who are shown bank advertisements. It also allows you to purchase and adapt ads to your needs. These files allow you to collect information regarding, among others: impressions, clicks, devices used, websites visited, browsers and the user's IP address (more information can be found at: https://policies.google.com/technologies/ads?hl=pl; https://adssettings.google. com/anonymous and https://privacy.google.com/businesses/processorterms/)

Google Ireland Limited

Marketing

TradeDoubler

TradeDoubler system cookies are used to measure the effectiveness of activities carried out by ING Bank Śląski on the Internet, as well as to enable settlements with business partners. More information can be found at: http://www.tradedoubler.com/pl/privacy-policy/

TradeDoubler Sp. z o.o.

Analytical

Adobe Analytics

Adobe Analytics collects information about page views, browsers used, and the date and time of page visits. We use the collected information for statistical purposes (more information at http://www.adobe.com/privacy.html)

Adobe Systems Software Ireland Ltd.

Analytical

Khoros

The Khoros system allows you to monitor traffic on the SpołecznośćING website. More information: https://community.khoros.com/t5/Policies-and-Guidelines/Khoros-Cookies-Datasheet-Community-Care-Marketing-CX-Insights/ta-p/236502

Khoros, LLC

Technical

onStage Proactive Engagement (oSPE)

onStage Proactive Engagement (oSPE) monitors user behavior on the website as they navigate the site and introduces proactive messages based on defined logical rules. The data is used for analytical, user security and marketing purposes depending on the consent given.

ING Bank Śląski S.A.

Technical or marketing - depending on the consent expressed by the user and stored in the "cookiePolicyGDPR" cookie

Google Firebase

Firebase generates an identifier based on the ID (Android Advertising ID), which we use to register that you selected the "Create an account" option in the Moje ING mobile application on the screen before logging in. 

Google Ireland Limited

Analytical

 

 

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

Aata administrator 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 violation of the provisions on the protection of personal data, you have the right to submit a complaint to the President of the Office for Personal Data Protection.

 

How to disable/enable cookies?

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.

Chrome

Firefox

Opera

Safari

Microsoft Edge

You can also change your cookie consent settings at any time.

Read the Bank's Privacy Policy and the privacy policies of trusted partners:

Read the Bank's Privacy Policy.

Google

Adobe

Tradedoubler

Gemius

Khoros