Scope of the cookie and tracking policy
This cookie and tracking policy applies to the Bank's digital offerings, which refer to it. In particular, it applies to:
- the Bank's main website on zkb.ch and sub-pages (hereinafter referred to as the "ZKB website")
- mobile applications from the Google, Android and Apple app stores: ZKB Mobile Banking, ZKB Info app, ZKB Access app and ZKB Twint (hereinafter collectively referred to as "mobile apps")
There may be additional or different provisions for the use of tracking data for certain digital offerings of the Bank, for e.g. social media channels, other mobile apps or separate websites. These are available on the corresponding offerings and take precedence in these cases.
Which tracking technology do we use
In our mobile apps, we use software development kits (SDKs) and, if necessary, other tracking technologies (hereinafter collectively referred to as "SDKs"). The use of these technologies is approved by downloading the mobile apps and can be declined by not dowloading them.
What cookies are and how they work
Cookies are small text files that are stored on your device. They enable the website to remember specific entries and settings (e.g. your login, language, usage, preferences and statistics) over a certain period of time to optimise user experience, security and analysis in particular.
Cookies can be set as first-party cookies by storing them on the domain of the pages visited, e.g. www.zkb.ch. These first-party cookies can only be read by the operators of the respective pages (in this case the Bank). These first-party cookies are set by means of their own technical integrations (i.e. by the Bank itself) or by the integration of third-party tools (e.g. Adobe Analytics).
Cookies can also be set as third-party cookies. This happens when the cookies can also be read directly by other websites and website operators. The Bank uses third-party cookies very sparingly and only in publicly accessible areas.
You can find a list of cookies used in the section "Which cookies and SDKs from third-party providers do we use and for what purpose".
What data is stored and processed
The cookies stored on our ZKB website with your consent read tracking data (e.g. the website from which you visit us and the ZKB website you are currently visiting, including the date and duration of your visit as well as technical data on your device such as browser, operating system and IP address). This tracking data is required for statistical purposes for the optimisation and further development of the ZKB website and for the delivery of personalised offers and content.
The SDKs used in the mobile apps read tracking data (e.g. visited app screens, date and duration of the visit, number of visits and operating system). This tracking data is required for statistical purposes for the optimisation and further development of mobile apps and for the delivery of personalised offers and content.
If third-party tools are used for tracking on the ZKB website or in the mobile apps, the Bank will only pass on encrypted data to these third-party providers, on the basis of which the third-party provider alone will not be able to identify a specific person.
How long are cookies stored in your browser
Some cookies are automatically deleted as soon as the browser session has ended or after a specified period of time. Certain cookies are permanently stored in the browser for technical reasons, unless they are deleted by the user or replaced by revisiting the digital offerings.
How long are SDKs stored in mobile apps
The SDKs used in mobile apps are initiated and permanently installed when the app is downloaded to the mobile device. They remain in the app until the mobile app is deleted or uninstalled from the device.
Which cookies and SDKs from third-party providers do we use and for what purpose