Axepta BNP Paribas (‘we’, ‘us’) uses cookies and other trackers (‘cookies’) on this website (‘the Website’). The cookies ensure that the Website functions properly. By using cookies, Axepta BNP Paribas can also enhance your online experience. Cookies are also used to tailor the content and/or advertising on the Website or other (non-)Axepta BNP Paribas websites to your personal needs and preferences.
By not accepting cookies, you prevent Axepta BNP Paribas and its partners from optimizing your online experience. Additionally, some parts of the Website may not function ideally. By accepting cookies, you agree that we use cookies as described in this cookie policy. If you wish, you can always change your cookie preferences in the cookie management tool at the bottom of the page.
All details about the cookies used on this Website can be found in this cookie policy. This policy also explains the purposes for which these cookies are used, who places them, how you can manage or delete them, and what your rights are as a visitor to the Website.
1. What is a cookie?
Cookies are small text, image or software files that may be placed and/or read on your device when you go on our Website. The word “device”, when used in this Cookies Policy, refers to computers, smartphones, tablets and any other devices used to access the internet.
Cookies can be (i) session cookies, meaning that they are deleted from your device once the session and browser are closed; or (ii) persistent cookies, meaning that they will be stored on your device until they are deleted.
Cookies can have many functions and can be used to:
- authenticate and identify you on our Website in order to provide you with the services that you have requested;
- improve the security of the Website, including the prevention of log-in details being used fraudulently and the protection of user data from access by unauthorised third parties;
- send you personalised adverts based on your browsing history and online preferences;
- monitor how you use our Website in order to improve it;
- improve your user experience by tailoring the content on our Website to your areas of interest and by offering you more relevant BNP Paribas Fortis adverts and content on our Website or third-party websites;
- remember the information that you have provided to us (for example, in order to automatically fill in forms with the information that you have previously provided to us in order to log in more quickly);
- save your preferences and settings for using our Website (such as language or time zone).
2. What kind of information can be stored in a cookie?
The information stored by the cookies placed on your device may relate to the following areas, within the limit of their retention period:
- the webpages you have visited on that device;
- the advertisements you have clicked on;
- the type of browser you use;
- your IP address;
- and any other information that you have provided on our Website.
Cookies may contain personal data covered by our Privacy Statement.
3. What kind of cookies do we use and for what purpose?
The cookies that we use on our Websites are grouped into different categories.
1. Strictly necessary cookies (mandatory)
These cookies are essential for the Website to function properly. They may include, for example, cookies that collect session identifiers and identification data, or cookies that allow the interface of a Website to be customised (such as, for the choice of language or presentation of a service). This category also includes cookies that enable us to comply with our legal obligations, including ensuring a secure online environment (for example, detecting repeated failed log-ins in order to prevent unauthorised individuals from accessing your account).
| Tool | Description | Cookie | Purpose | Validity |
| Google recaptcha | This cookie is used to distinguish between humans and bots | _GRECAPTCHA | This is beneficial for the website, so we can create valid reports about the usage of our website. | 179 days |
| rc::a | Persistent | |||
| rc::b | Session | |||
| rc::c | Session | |||
| rc::d-15# | Persistent | |||
| Webserver | Registers which server cluster is serving the user. | ApplicationGatewayAffinity | This is used in the context of task distribution to optimize the user experience. | Session |
| Webserver | Azure Affinity cookie | ARRAffinity | The ARRAffinity cookie is set by Azure App Service and enables the service to choose the correct instance that a user has established a connection to, in order to deliver subsequent requests from that user. | Session |
| Webserver | Azure load balancing cookie | ARRAffinitySameSite | This cookie is set by Windows Azure cloud and is used for load balancing to ensure that the page requests from the visitor are directed to the same server in each browsing session. | Session |
| Webserver | This cookie is native to PHP applications. | PHPSESSID | The cookie is used to store and identify a users’ unique session ID for the purpose of managing user session on the website. | Session |
| Webserver | This cookie is used in the context of load balancing. | ApplicationGatewayAffinityCORS | This optimizes the response rate between the visitor and the site, by distributing the traffic load across multiple network links or servers. | Session |
| Complianz | Cookie preferences | cmplz_banner-status | Complianz sets this cookie to determine if the cookie banner has been dismissed. | 1 year |
cmplz_consenttype | Complianz sets this cookie to read to determine which cookie banner to show. | Persistent | ||
cmplz_consented_services | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_cookie_data | Complianz sets this cookie to store information about cookies that have been detected on the site. | Persistent | ||
cmplz_functional | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
| cmplz_id | Complianz sets this cookie to store cookie consent preferences. | Session | ||
cmplz_marketing | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_policy_id | Complianz sets this cookie to keep track of accepted cookie policy IDs. | 1 year | ||
cmplz_preferences | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_saved_categories | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_saved_services | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_selected_region | Complianz sets this cookie to provide admin functions. | At least one session | ||
cmplz_socialmedia | Complianz sets this cookie to store consent for social media embedded content. | 1 year | ||
cmplz_statistics | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_tcf_consent | Complianz sets this cookie to store cookie consent preferences. | 1 year | ||
cmplz_user_data | Complianz sets this cookie to store cookie consent preferences. | Session | ||
| Cookie preferences | li_gc | LinkedIn sets this cookie to store visitors’ consent regarding the use of cookies for non-essential purposes. | 6 months | |
| Salesforce | Content submitted through the contact form is linked to Salesforce via an API connection to ensure synchronization and optimal follow-up. | Persistent | ||
WordPress / Plugin functional | WordPress and its plugins use these cookies to enable essential website functuionality and improve user experience. | acf | WordPress sets this cookie to store information from the ACF plugin to properly display custom content and layouts. | Session |
| betterdocsQswTabNumberTracking | This cookie is used to remember the last documentation tab viewed, so the user resumes in the same place. | Persistent | ||
continueReview | This cookie is used to allow users to continue an action or process where they left off, improving user experience. | Session | ||
| lastExternalReferrer | This cookie is used to store the URL of the external referrer so we can understand how users navigate to our website. | Session | ||
| lastExternalReferrerTime | WordPress sets this cookie to record the time when a user arrives from an external website, helping analyze traffic sources. | Session | ||
NavigationWidth | WordPress sets this cookie to store the preferred width of the site navigation panel across page visits. | Persistent | ||
pum-* | This cookie is used to prevent the same popup from reappearing repeatedly after the user closes it. | 1 month | ||
showThisQuery | WordPress sets this cookie to remember whether certain page elements should be shown or hidden based on user actions. | Session |
2. . Audience measurement cookies (subject to your consent)
These cookies enable us to understand how users arrive at our Website, to measure the number of visitors to our Website, and to analyse how visitors browse the Website or to recreate their journey. This helps us improve how our Websites function by ensuring, for example, that users can easily find what they are looking for.
| Tool | Description | Cookie | Purpose | Validity |
| Hotjar | Tool to track the visitor’s behavior on the website. | _hjSessionUser_{site_id} | Set when a user first lands on a page. Preserves the Hotjar User ID which is unique to that site. Ensures that data from subsequent visits to the same site are attributed to the same User ID. JSON data type. | 365 days |
| _hjid | Set when a user first lands on a page. Preserves the Hotjar User ID which is unique to that site. Ensures that data from subsequent visits to the same site are attributed to the same User ID. UUID data type. | 365 days | ||
| _hjFirstSeen | Identifies the first session of a new user. Used by recording filters to identify new user sessions. Boolean true/false data type. | Session | ||
| _hjUserAttributesHash | User attributes sent via the Hotjar Identity API are cached for the session. Enables us to know when an attribute has changed and needs to be updated. Hash data type. | Session | ||
| _hjCachedUserAttributes | Stores user attributes sent via the Hotjar Identity API when the user is not in the sample. Collected attributes are only stored on Hotjar servers if the user interacts with a Hotjar Feedback tool. Cookie used regardless of whether a Feedback tool is present. JSON data type. | Session | ||
| _hjViewportId | Stores user viewport data, such as size and dimensions. UUID data type. | Session | ||
| _hjSession_{site_id} | Contains current session data. Ensures that subsequent requests within the session window are attributed to the same session. JSON data type. | 30 minutes | ||
| _hjSessionTooLarge | Ensures that Hotjar stops collecting data when a session becomes too large. Automatically determined by a signal from the WebSocket server when the session size exceeds the limit. Boolean true/false data type. | Session | ||
| _hjSessionRejected | If present, set to ‘1’ for the duration of a user’s session, when Hotjar has rejected the session from connecting to our WebSocket due to server overload. Applied in extremely rare situations to prevent severe performance issues. Boolean true/false data type. | Session | ||
| _hjSessionResumed | Set when a session/recording is reconnected to Hotjar servers after a connection interruption. Boolean true/false data type. | Session | ||
| _hjLocalStorageTest | Checks if the Hotjar Tracking Code can use local storage. If it can, a value of 1 is set. Data stored in _hjLocalStorageTest has no expiration time, but is almost immediately deleted after it is created. Boolean true/false data type. | Less than 100ms. | ||
| _hjIncludedInPageviewSample | Set to determine whether a user is included in the data sample defined by your site’s page view limit. Boolean true/false data type. | 30 minutes | ||
| _hjIncludedInSessionSample | Set to determine whether a user is included in the data sampling defined by your site’s daily session limit. Boolean true/false data type. | 30 minutes | ||
| _hjAbsoluteSessionInProgress | Used to detect the first page view session of a user. Boolean true/false data type. | 30 minutes | ||
| _hjTLDTest | We attempt to store the _hjTLDTest cookie for different URL substring alternatives until it fails. This allows us to try to determine the most general cookie path that we should use, rather than the hostname of the page. It means that cookies can be shared between subdomains (where applicable). After this check, the cookie is deleted. Boolean true/false data type. | Session | ||
| _hjRecordingEnabled | Set when a recording starts. Read when the recording module is initialized to see if the user is already engaged in a recording in a particular session. Boolean true/false data type. | Session | ||
| _hjRecordingLastActivity | Set in Session Storage instead of cookies. Updated when a user recording starts and when data is sent via the WebSocket (the user performs an action that Hotjar records). Data type: Numeric value (timestamp). | Session | ||
| Adobe Analytics | Adobe Analytics is used to provide global statistics on navigation. If comfort cookies are not accepted, all data is tracked anonymously. This allows the bank to monitor the performance of the website and improve it if necessary. | _sdsat_enrolment_ID | Used to remember the value of a unique identifier of the transaction that occurs during a registration. | |
| _sdsat_language | This cookie is used to remember the language in which the content is displayed. | 1 year | ||
| _sdsat_zid | Custom Adobe Dynamic Tag Manager cookie. | Session | ||
| AMCV_F46824205476152E0A4C98A2%40AdobeOrg | The AMCV cookie contains the Experience Cloud visitor ID or MID. The MID is stored in a key-value pair that follows this syntax: mid | Experience Cloud ID. To learn more about the Adobe Experience Cloud privacy policy or to opt out, see Adobe Privacy Choices | Adobe Privacy. | 2 years | ||
| AMCVS_F46824205476152E0A4C98A2%40AdobeOrg | The AMCVS cookie acts as a flag indicating that the session has been initialized. Its value is always ‘1’ and is deleted when the session is terminated. | Session | ||
| dpm | DPM (Data Provider Match) informs internal Adobe systems that a call from the Adobe Experience Cloud ID Service is requesting a visitor ID. This occurs only when the AMCV cookie (which contains an Experience Cloud ID) is not set. | 180 days | ||
| s_cc | This cookie is set and read by the JavaScript code to determine if cookies are enabled (simply set to ‘True’). This cookie is a session cookie that expires when the browser is closed. Without this cookie, we cannot perform performance analysis of the website (what was visited and what was not). | Session | ||
| s_ecid | The ECID cookie contains the Experience Cloud ID (ECID) or MID. The MID is stored in a key-value pair with the following syntax: s_ecid=MID|Experience Cloud ID. This cookie is set by the customer’s domain after the AMCV cookie has been set by the customer. The purpose of the cookie is to enable permanent ID tracking in 1st party status and is used as a reference ID in case the AMCV cookie has expired. See the AMCV cookie for more information. For details on the Adobe Experience Cloud privacy policy or to opt out, see Adobe Privacy Choices | Adobe Privacy. | 2 years | ||
| s_fid | This cookie is used to identify a unique visitor when the standard s_vi cookie is not available due to third-party cookie restrictions. | 2 years | ||
| s_pc | Cookie used for collecting statistics (where a user clicked, where they scrolled to…) about website usage. These statistics remain anonymous. | 1 years | ||
| s_ppn | Registers the portion of a page (0-100%) that the user views and converts this value into a variable on the display of the next page. | Session | ||
| s_pprt | Cookie used for collecting statistics about website usage. These statistics remain anonymous. | Session | ||
| s_ppv | These cookies are set by the Adobe Analytics plugin “getPercentPageViewed” and are used to measure a visitor’s scroll activity and see how much of a page they view before moving on to another page. | Session | ||
| s_ptc | This cookie provides a ‘native’ method for obtaining accurate and detailed time statistics for loading events, such as when a page or functionality is loaded. | Session | ||
| s_sq | This cookie is set and read by the JavaScript code when the ClickMap and Activity Map features are enabled. It contains information about the previous link that the user clicked. It is used to track visits to websites (how often the website was visited), to create a ‘trail’ of the path followed. We do not know who the visitor is (anonymous cookie), but we know the path of the visit. | Session | ||
| s_vi_* | This cookie is used to identify a unique visitor, the cookie has the format of s_vi_* depending on the reporting site used. | 2 years |
3. Preference cookies (subject to your consent)
These cookies enable us to personalise and offer the content and features of the Website (including displaying our products and services). They are used to improve our Website and your user experience.
| Tool | Description | Cookie | Purpose | Validity |
4. Advertising cookies (subject to your consent)
These cookies are used to provide you with personalised or non-personalised adverts, where applicable depending on your location. They record your visit to our Website, the pages that you have viewed and the links that you have followed. We and our partners use this information to personalise our Website and the adverts on them. They may also be used to display personalised or non-personalised adverts for our products on other websites, to measure the effectiveness of an advertising campaign, to limit distribution frequency, and for affiliate marketing.
| Tool | Description | Cookie | Purpose | Validity |
| Facebook event tag | _fbp | Used by Facebook to deliver a range of advertising products, such as real-time bidding from external advertisers. | 3 months | |
| Pageview | fr | 3 months | ||
| Pixel | tr | Session | ||
_fbc | Facebook sets this cookie to store the last visit. | 2 years | ||
multiFbc | Facebook sets this cookie for advertising and retargeting campaigns. | Persistent | ||
| The bcookie assigns users a unique ID and links it to their specific device. | bcookie | LinkedIn sets this cookie to track the use of embedded services. | 1 year | |
| Data center selection | lidc | LinkedIn sets the lidc cookie to facilitate data center selection. | 1 day | |
| Google Ads | _gcl_au | Google Adsense sets this cookie to store and track conversions. | Persistent | |
_gcl_aw | Google Ads sets this cookie to provide ad delivery or retargeting. | 90 days | ||
_gcl_ls | Google Adsense sets this cookie to store and track interactions. | Persistent | ||
| Google Campaign Manager | Google can contact you with their advertising material. Their ad content is customized based on what interests you, based on your browsing behavior and the pages you have visited. The cookies are also used to measure the impact of advertising campaigns on this website. Axepta BNP Paribas does not collect financial or personal data with these cookies. We can show you ads if you have visited our website. These ads are customized based on what interests you, based on what you do online and the websites you visit. To improve our marketing content, this cookie can therefore send data to our external partner. You can find more information about the advertising policy of our external partners and how to stop the collection of your data on their respective pages. | (http://www.google.com/intl/en/policies/privacy/) | 180 days | |
| (https://www.linkedin.com/help/linkedin/answer/ 62931/manage-advertising-preferences) | 30 days | |||
| Meta (Facebook, Instagram) | (https://www.facebook.com/settings?tab=ads) | 180 days | ||
| Bing | (https://about.ads.microsoft.com/en-gb/policies/legal-privacy-and-security) | 13 months | ||
| Google Consent Mode | Helps store user consent preferences | ad_storage | Google sets this cookie to store the user’s consent preference for allowing advertising-related cookies. It ensures ads are shown only if consent is granted. | 2 years |
ad_user_data | Google sets this cookie to remember whether personalized ads may use the user’s personal data (if consent has been granted). | 2 years | ||
ad_personalization | Google sets this cookie to determine whether ads shown to the user can be personalized based on previous behavior. | 2 years | ||
analytics_storage | Google sets this cookie to remember whether analytical cookies are allowed, enabling or disabling Google Analytics tracking accordingly. | 2 years | ||
| Google Topics | Used for the new Chrome Topics advertising privacy system | topicsLastReferenceTime | Google sets this cookie to store the last time Chrome determined interest-based topics for personalized advertising. | 3 weeks |
| Microsoft Advertising | This is a Microsoft cookie that contains a GUID assigned to your browser. It is set when you interact with a Microsoft property, including a UET tag call or a visit to a Microsoft property via the browser. | MUID | Used by Microsoft to deliver a range of advertising products, such as real-time bidding from external advertisers. | |
This is the Microsoft Click ID, which is used to improve the accuracy of conversion tracking. Note: UET sets a first-party cookie for this parameter on your site’s domain. When automatic tagging of the Microsoft Click ID is enabled, the ad click information is generated during the ad click and appended to the destination page URL. | _uetmsclkid | Used by Microsoft to deliver a range of advertising products, such as real-time bidding from external advertisers. | ||
| This contains the session ID for a unique session on the site. Note: As of July 2023, _uetsid has been updated to include additional parameters: insights_sessionId, timestamp, page number, upgrade, and upload. | _uetsid | Used by Microsoft to deliver a range of advertising products, such as real-time bidding from external advertisers. | ||
| UET assigns this unique, anonymized visitor ID, which represents a unique visitor. UET stores this data in a first-party cookie. Note: As of July 2023, _uetvid has been updated to include additional parameters: insights_userId, cookieVersion, foundationTime, consent, and cookie_creation_time. | _uetvid | Used by Microsoft to deliver a range of advertising products, such as real-time bidding from external advertisers. |
5. Content-sharing cookies (subject to your consent)
These cookies enable us to share information with the social media platforms used on our Websites or enable content hosted on an external website to be viewed on our Website. Displaying or viewing this type of content on our Websites shares information about your browsing on our Websites with the social media platforms used or the hosting websites in question.
| Tool | Description | Cookie | Purpose | Validity |
4. Who places cookies on your device?
When you select the types of cookies that you allow on your device, these cookies can be placed on them directly by us or by one of our partners.
From a practical point of view, this means that when you authorise the installation of some so-called “third-party” cookies on your device, our partners will also be able to access the information that they contain (such as, for example, your browsing statistics when you authorise third-party analytics cookies) in accordance with our Privacy Notice and the Privacy Notices of our partners.
| Partner | Link |
| Adobe | https://www.adobe.com/be_en/privacy/opt-out.html |
| Facebook & Instagram (Meta) | https://www.facebook.com/settings?tab=ads |
| Google (Alphabet) | https://myadcenter.google.com/controls |
| LinkedIn (Microsoft) | https://www.linkedin.com/legal/privacy-policy |
| Microsoft Advertising | https://about.ads.microsoft.com/en-us/policies/legal-privacy-and-security |
5. Responsible for the cookies
The owner of the Website and the data controller for your personal data stored in the cookies is:
Axepta BNP Paribas Benelux
Montagne du Parc 3
1000 Brussels
dataprivacy@axepta.be
6. How do you manage cookies?
In order to view the different categories of cookies that we use on the Website and to configure your choices, you can take a look at the cookie management tool that can be accessed at the bottom of the page. You can change your preferences at any time (withdraw or give your consent again).
You can also manage the use of cookies by:
- Configuring your browser’s privacy settings (for more information on controlling cookies, please refer to your browser’s Help function).
- Visiting third-party websites: this will allow you to check how to manage cookie settings on websites and applications outside Axepta BNP Paribas – please refer to section 4 for more details on third parties.
Please note that the use of strictly necessary cookies for the proper functioning of the Website does not require your consent. This is why the “Strictly necessary cookies” is indicated as required in our cookie management tool and is not optional.
By refusing certain types of cookies (preference cookies, for example), we will not be able to optimise your user experience on our Website.
By default, we store your cookie choices for a given device for a maximum of 6 months. If you change your mind about the preferences that you have expressed about cookies, you can update your choices at any time, by following this link. We will ask you again to make a choice every 6 months.
7. Your rights as a visitor to our Website
For more information on BNP Paribas Fortis SA/NV as the personal data controller and your rights as a data subject, please take a look at our Privacy Notice, which can be accessed via the footer of the Website.
Additionally, as a visitor and subject of the data saved by these cookies, you are entitled to file a complaint with the Belgian Data Protection Authority:
https://www.dataprotectionauthority.be/
Update your cookie preferences: