Cookie Policy

What is a "cookie" file?

Cookies are small files that are saved on your device by the websites you visit. Cookies contain various pieces of information that are often 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 ING Bank Hipoteczny and - for technical reasons - trusted partners whose 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 website - depending on what device you use,
• 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 - they are necessary to measure the effectiveness of our marketing activities without identifying personal data and to improve the functioning of our website. We use them to:

• study website traffic statistics and check traffic sources (redirection directions),
• limit certain marketing activities, e.g. to protect users from seeing the same ad multiple times,
• measure - without identifying personal data - and 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,

By entering the bank's website, you can refuse the use of cookies for analytical purposes.

Marketing cookies - installed on the user's device only if he/she agrees, 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 the selection of services, based on the data held by the bank, including the behavior of users on the bank's websites.

If you agree to marketing cookies, then we will be able to use information about your behavior on the bank's websites to customize advertising. If you would like us to stop collecting this information - just delete cookies from your device, e.g. computer, smartphone or tablet. After re-entering the bank's website, you will be asked again to decide whether to consent to marketing cookies (each time you will be able to make a free decision). You can also change your consent settings at any time - click and adjust your consents to cookies.

Marketing cookies will be valid for a maximum period of 5 years from the moment of their installation.

By entering the bank's website, you can 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 Hipoteczny S.A. on the bank's website. However, general advertisements will still be displayed both on the bank's website and on other websites.

We use technology provided by Google to broadcast advertisements on the Internet, therefore additionally specify whether you agree to the profiling of advertisements on the Internet at this address.

Google Marketing Platform and Google Ads use cookies for which the application in the cookie details is specified as Google, Google Marketing Platform or Google Ads.

Google Marketing Platform and Google Ads may process personal data worldwide, including in the USA. This may involve a possible risk due to the lack of a decision stating the appropriate level of protection and the lack of appropriate safeguards. The data can be used, for example, by state authorities for control purposes without the possibility of using legal protection measures.

 

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 into:

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

Detailed information about the cookies we use, systems and trusted partners 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, 10 years 1st party cookiePolicyINCPS The cookie is necessary for the proper migration of the old solution with two options for selecting cookie types to the new one with more options for selecting cookie types. Without it, this operation cannot be carried out correctly, because we will not know which users need to be migrated and which are not. ING Permanent, 10 years 1st party JSESSIONID This is a cookie in the J2EE Web application, used in session tracking ING Until the end of the browser session 1st party tag_cookie It enables the correct operation of tags on the page ING Until the end of the browser session 1st party incap_ses_**_*** The cookie improves the performance and security of the website Incapsula Until the end of the browser session 1st party visid_incap_**** The cookie improves the performance and security of the website Incapsula Permanent, 1 year 1st party visid_incap_# The cookie improves the performance and security of the website Incapsula Until the end of the browser session 1st party bizPEUSerID onStage Proactive Engagement (oSPE) monitors the behavior of users on the website while navigating the site and introduces proactive messages based on defined logical rules. The data is used for analytical, user safety and marketing purposes, depending on the consent given oSPE Permanent, 1 year 1st party OSPESESSID Supports the operation of the oSPE application oSPE 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 the SafeSearch filter 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 last page node viewed by the user ING 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 unblocked/enabled Adobe Analytics Until the end of the browser session 1st party s_fid Contains a randomly generated alternative unique user ID. Used when the s_vi cookie is blocked Adobe Analytics Permanent, 5 years 1st party Gdyn Gemius cookie that collects information about website visits Gemius Permanent, 1 year 1st party AMCV_*****AdobeOrg Contains a unique user ID used within the Adobe Experience Cloud application Adobe Analytics Permanent, 2 years 1st party AMCVS_*****AdobeOrg Serves as a flag to indicate session initiation. Its value is always 1 and ends when the session ends Adobe Analytics Until the end of the browser session 1st party TRADEDOUBLER Contains a unique user ID assigned by Tradedoubler Tradedoubler Permanent, 1 year 1st party TradeDoublerGUID Contains a unique user ID assigned by Tradedoubler Tradedoubler Permanent, 1 year 3rd party

Marketing cookies

Cookie's name How it works App Usage time Property aam_uuid Contains a unique user ID. Used to measure unique visitors to the site Adobe Audience Manager Permanent, 30 days 1st party AAMC_ingbankslaski_0 Collects information, including the number of visitors from where they came to the site and the pages they visited Adobe Audience Manager Permanent, 180 days 1st party demdex Contains a unique visitor ID used for profiling, segmentation and reporting purposes Adobe Audience Manager Permanent, 180 days 3rd party dpm Contains a unique visitor ID used for profiling, segmentation and reporting purposes Adobe Audience Manager Permanent, 180 days 3rd party dextp The file is set to record the time of the last data synchronization. Contains the data provider id with a timestamp Adobe Audience Manager Permanent, 180 days 3rd party ingbankslaski Contains a unique visitor ID used for profiling, segmentation and reporting purposes Adobe Audience Manager Permanent, 180 days 3rd party cookieDTM Stores the identifiers of the segments that the user/browser has been qualified for Adobe Audience Manager Permanent, 30 days 1st party bizPEUSerID onStage Proactive Engagement (oSPE) monitors the behavior of users on the website while navigating the site and introduces proactive messages based on defined logical rules. The data is used for analytical, user safety and marketing purposes, depending on the consent given oSPE Permanent, 1 year 1st party OSPESESSID Supports the operation of the oSPE application oSPE Until the end of the browser session 1st party GAD Used in the settings for displaying banners 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 websites other than Google. It also stores the user's ad personalization setting Google Marketing Platform Permanent, 14 days 3rd party FLC Associated with Google services and used to measure and target ads Google Marketing Platform Permanent, 10 seconds 3rd party IDE It is used to display or retarget Google ads on non-Google websites 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 details, and protect user data from unauthorized persons. 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 HSID allows you to block various attacks - e.g. attempts to intercept content from forms filled 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 filled 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 the SafeSearch filter 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 Used to store IDs of users logged in to Google Google Permanent, 2 years 3rd party __Secure-1PSID Used to store IDs of users logged in to Google Google Permanent, 2 years 3rd party __Secure-3PAPISID Used to store IDs of users logged in to Google Google Permanent, 2 years 3rd party __Secure-3PSID Used to store IDs of users logged in to Google Google Permanent, 2 years 3rd party __Secure-3PSIDCC Used to store IDs of users logged in to Google Google Permanent, 2 years 3rd party .DDMMUI-PROFILE Associated with Google services, used to store settings for DoubleClick Digital Marketing 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 Associated with Google services, protects against CSRF attacks Google Until the end of the browser sessioni 3rd party Conversion Related to Google services Google Permanent, 90 days 3rd party S Related to Google services Google 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 usida Appears after interacting with Facebook services Facebook Until the end of the browser session 3rd party checkpoint Appears after interacting with Facebook services Facebook Until the end of the browser session 3rd party presence Appears after interacting with Facebook services Facebook Until the end of the browser session 3rd party wd Appears after interacting with Facebook services Facebook Permanent, 7 days 3rd party locale Appears after interacting with Facebook services Facebook Permanent, 7 days 3rd party dpr Appears after interacting with Facebook services Facebook Permanent, 7 days 3rd party c_user Appears after interacting with Facebook services Facebook Permanent, 1 year 3rd party xs Appears after interacting with Facebook services Facebook Permanent, 1 year 3rd party datr Appears after interacting with Facebook services Facebook Permanent, 2 years 3rd party sb Appears after interacting with Facebook services Facebook Permanent, 2 years 3rd party oo Appears after interacting with Facebook services Facebook Permanent, 5 years 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 Cookies record e.g. consents expressed by the visitor to the bank's website. The "cookiePolicyGDPR" cookie stores consent or lack thereof for 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 (e.g. limiting the number per user or disabling creatives after clicking to reduce 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 website traffic Google Ireland Limited Analytical Google Ads Google As enables the purchase and adjustment of advertisements and the monitoring of 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 to whom the bank's advertisements are displayed. It also allows you to purchase and customize ads to suit their needs. These files allow you to collect information on e.g. impressions, clicks, devices used, websites visited, browsers and the user's IP address (for more information, please visit: https://policies.google.com/technologies/ads?hl=pl; https://adssettings.google.com/anonymous oraz https://privacy.google.com/businesses/processorterms/) Google Ireland Limited Marketing TradeDoubler TradeDoubler system cookies are used to measure the effectiveness of activities conducted by ING Bank Śląski on the Internet, as well as to enable settlements with business partners. Find out more at stornie: http://www.tradedoubler.com/pl/privacy-policy/ TradeDoubler Sp. z o.o. Analytical Adobe Analytics Adobe Analytics collects information about page views, browsers used, date and time of page visits. We use the collected information for statistical purposes (more information on the website http://www.adobe.com/privacy.html) Adobe Systems Software Ireland Ltd. Analytical Adobe Audience Manager Adobe Audience Manager allows e.g. to personalize advertisements displayed on external websites (more information on the website http://www.adobe.com/privacy.html). Adobe Systems Software Ireland Ltd. Marketing Khoros The Khoros system allows you to monitor traffic on the Community ING 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 the behavior of users on the website while navigating the site and introduces proactive messages based on defined logical rules. The data is used for analytical, user safety 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 ID (Android Advertising ID), which we use to register that in the Moje ING mobile application on the screen before logging in, you selected the "Create an account" option Google Ireland Limited Analytical

 

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
that cookies serve your convenience of using the website. Thanks to them, you will receive more relevant advertisements. Disabling cookies may affect how our website will be 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 accessing the ING Bank Hipoteczny website, you may object to the use of cookies for marketing purposes. Then we will not be able to adjust our advertisements based on information collected by ING Bank Hipoteczny or ING Bank Śląski S.A. on the website. However, advertisements will still be displayed both on the ING Bank Hipoteczny website and on other websites.

 

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 cookies?

At any time, you can delete cookies from your browser 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.

Chrome

Firefox

Opera

Safari

Microsoft Edge

 

You can also change your cookie consent settings at any time - click and adjust your cookie consents.

Read the Bank's Privacy Policy.