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    Cookie policy of KBC Bank Bulgaria EAD

    We use cookies and other similar technologies to ensure the accessibility and usability of our websites, to provide certain functionality, for targeted advertising, statistical purposes and analysis.

    What are cookies and why are they used

    Cookies are small text files that are used to store information (data) and that are kept on the user’s computer or mobile device for a certain period of time. Cookies are most often used to record users’ activity performed during a visit to a website, as well as the users’ settings.

    For the purposes of this Cookie Policy of KBC Bank Bulgaria EAD ("Policy") "user", regardless of its use in singular/plural, lowercase or uppercase letter, will mean an individual who at some point interacts with a website or a web application. The interaction can be e.g. loading, navigating / viewing a particular website, submitting an online application for the purchase of a product or using a service, etc.

    The website of KBC Bank Bulgaria EAD (the "Bank") – www.rbb.bg, the blog – www.blog.rbb.bg, the website of the Choose to Help charity campaign – www.izberi.rbb.bg, as well as onlineaccount.rbb.bg and eloan.rbb.bg (shortly jointly referred to as the "Website"), use cookies data files.

    Definitions used in this Policy:

    Consent Management Banner

    Part of the interface that is visible to users and in which the user gives, changes and withdraws their consent.

    "Cookies"

    Various technical tools usually used in the implementation of any website: Cookies, Local Storage Objects, Session Storage Objects, Pixel Trackers.

    "Processing of Cookies", "Processing of Data / Information" or just "Processing"

    The process and technical means for recording, reading, modifying and transmitting the information (data) from the Cookies used on the Bank’s Website to a third party. For the sake of clarity, when a particular type of Cookie is referred to in this Policy, the Processing of Cookies is also taken into account in addition to the Cookies themselves.

    "Validity of Cookies"

    The period of storage of the record in a tool. It depends on the initial settings of the Cookie, which were set by the Bank or its partner, as well as on its subsequent modifications. Withdrawal of consent for the use of a cookie and after the Cookie has been saved, stops the access to its contents by blocking the execution of codes that can read it and provides a high degree of security to the user that the data in the Cookie could not be used.

    "Cookie Declaration"

    A single spreadsheet created and maintained by the Bank, which contains information about the name, supplier, purpose, validity and type of Cookies used on the Website.

    Purposes of data processing

    The purposes for which the Processing of Cookies used on the Bank’s Website is performed can be categorized as follows:

    Normal and proper functioning of the Website (so-called "strictly necessary cookies")

    Strictly necessary cookies are processed in order for the Website to function normally and smoothly.

    Without the use and processing of "Strictly Necessary Cookies", the use of the Website would be significantly hampered; therefore, the user cannot turn off their Processing by the Consent Management Banner provided by the Bank. In the event that the User visits the Bank’s Website and does not provide consent for the use of cookies through the Banner, only the Processing of Strictly Necessary Cookies is performed. The User is allowed to set up their browser or to block or warn about these Cookies by another technical solution, but in this case some parts or the whole Bank’s Website may not be functioning.

    The category of "Strictly Necessary Cookies" includes Cookies and their Processing, which support the implementation of functionalities, such as:

    • Navigating among the different Bank’s Websites and switching between the different steps of the on-line applications and inquiries for products, and their successful sending;
    • Checking whether the user’s browser supports cookies and keeps information about the status of the user’s consent to store cookies;
    • Ensuring security controls and protection against unwanted external interference;
    • Distinguishing real users of the Website from software applications (so-called "bots");
    • Storing information about the user consent status regarding the use of Cookies;
    • Adding new content to the Website or updating the existing one;
    • Option for live chat with an employee of the Bank or through a chat bot functionality (software application that conducts on-line communication with customers through text or text-to-speech).

    The processing of Cookies for this category of purposes is performed by the Bank or by third party providers whose services the Bank has added to the Website, such as Cookiebot, YouTube, Google, etc. You can get acquainted with all current third party providers, whose services the Bank has added to the Website and who set Strictly Necessary Cookies in the Cookie Declaration.

    Improving website performance (so-called "Functional Cookies")

    The purpose of the Processing of Cookies falling into this category is to improve the Website performance. Functional Cookies add new functionalities in order to make it easier for the user to use the Website by personalizing the user session and complying with the user’s individual preferences set. In order to use this type of cookie, the user must explicitly agree to their use.

    The use of information stored by the Functional Cookies allows the Website to store data from a previous visit of the user, such as the user’s preferred language, font type and size and the like.

    The Functional Cookies category includes Cookies and their Processing, which support the implementation of functionalities, such as:

    • Providing consent through the Consent Management Banner for the use of cookies and their processing on the Bank’s Website, visited by the User.
    • Keeping the User’s specific preferences when using the Website, e.g. font type and size, which are loaded automatically on next visit.
    • Determining the optimal video quality based on the visitor’s device and network settings.
    • Collecting ratings from the users of the Website through a survey module in order to improve customer experience and the products and services offered by the Bank.

    The processing of Cookies for this category of purposes is performed by the Bank or by third party providers whose services we have added to the Website, such as Cookiebot, YouTube, Pisano etc.

    You can get acquainted with all current third party providers, whose services the Bank has added to the Website and who Process Cookies for this purpose, in the Cookie Declaration.

    Statistical purposes and analyses (so-called "Statistical Cookies")

    This purpose includes the collection of statistical information on the basis of which the Bank can make general conclusions and recommendations for the effectiveness of the Website. The processing of Statistical Cookies for this purpose allows the collection of summary information on how users use the Website and how they interact with other websites / web pages, how they navigate the Website and the problems they have or may encounter when using the Website.

    The processing of Statistical Cookies for this purpose allows the Bank to:

    • Count the visits to the Website in order to find out which web pages of the Bank are the most visited and what information is of interest to the users.
    • To find out whether the visit of the user to the Website is because of an advertisement or not. This information supports the process of assessing and improving the effectiveness of the Website and the Bank’s advertising activities.
    • Create a unique user ID that is used to generate statistical data on how the user uses the Website.

    The processing of Cookies for this category of purposes is performed by the Bank or by third party providers whose services we have added to the Website, such as Google Analytics etc.

    You can get acquainted with all current third party providers, whose services the Bank has added to the Website and who Process Cookies for this purpose, in the Cookie Declaration.

    Marketing purposes (so-called "Marketing Cookies")

    The purpose of the Processing of Cookies falling into this category is: to build a user profile according to the interests of the user in order to display relevant, targeted ads on the Website and on the websites of our partners; to collect information that helps the Bank to measure the effectiveness of advertising; to derive generalized statistical conclusions about the performance of the advertisement by combining data on the user behaviour with data from their visits to the Website and to the websites of our advertising partners.

    The processing of Marketing Cookies is performed by the Bank or by the Bank’s advertising partners through the Website.

    Cookies and their Processing for this purpose may uniquely identify the user’s browser and device and collect and store information about the user behaviour on the Website and on the websites of our partners.

    The Processing of Marketing Cookies allows the Bank and its partners to:

    • Collect data on the user behaviour from multiple websites in order to display more relevant and targeted advertising, as well as to limit the display frequency of the same ad.
    • Find out if the user has shown interest in specific products or events on multiple websites and find out how the user navigates between websites.
    • To report the activities of the user of the Website after interaction with the advertiser’s ads in order to measure the effectiveness of the ad and offer relevant ads to the user.
    • Engage consumers who are likely to become customers in view of their on-line behaviour.

    You can get acquainted with all current third party providers, whose services the Bank has added to the Website and who Process Cookies for this purpose, in the Cookie Declaration.

    Time period for storing the cookie consent

    Through the Consent Banner posted on the Bank’s Website, the user may give their prior, explicit, free and informed consent to the Processing of Cookies and the use of Cookies for the purposes described above. 

    The Cookie Consent provided by the user is kept by the Bank for a period of one (1) month as of its provision. The consent is provided through a special Consent Management Banner, which is displayed to the user on their first visit to the Website or if a new consent is required (e.g. due to the expiration of the 1-month period within which the consent is stored). Again, through the Consent Management Banner, the consent granted can be withdrawn or changed by the user at any time. The withdrawal of the cookie consent has effect in the future.

    Management and settings

    Management and settings of consumer’s consent for processing of cookies

    At any time, the user is allowed to control, manage, change and withdraw their consent to the processing of cookies for a particular purpose, except for the processing of cookies for the normal functioning of the Website (so-called "Strictly Necessary Cookies"). The Processing of Cookies related to this purpose cannot be controlled, respectively limited by users, as this would jeopardize the functioning of the Website. Therefore, the Processing of Cookies for this purpose is performed regardless of the user’s choice.

    The initial set-up of the cookies and consents is done by the user through the Consent Management Banner at the bottom of the Website and the Allow All and Customize buttons. By selecting "Allow all", the user will activate the Processing of Cookies and will allow the use of cookies for all purposes described in this Policy. By selecting "Customize", the user is allowed to choose specific purposes for the Processing of Cookies, with which they agree. The user is allowed to refuse the Processing of Cookies for all purposes, except for the normal and proper functioning of the Website, by closing the Consent Management Banner with the "X" button at the bottom of the Website.

    The user can make subsequent settings changes at any time through the icon for quick access to the Consent Management Banner in the lower left corner of the Website. By clicking on the icon for quick access to the Consent Management Banner in the lower left corner of the Website, the user can see:

    • The consumer’s active consent;
    • Date of consent;
    • Consent ID;
    • Option to withdraw consent;
    • Option to change the consent.

    If a user continues to use the Website without determining through the Consent Management Banner their choice of purposes for processing cookies, the processing of cookies will be performed only for the purposes of the normal and proper functioning of the Website (so-called "Strictly Necessary Cookies").

    The Bank reserves the right to modify this Cookie Policy at any time.

    For questions related to this Policy or the exercise of your rights in the area of personal data protection when using cookies, you can contact the Personal Data Protection Officer of the Bank at the following e-mail: dpo@kbcbank.bg.

    Useful links

    Personal Data Protection Officer

    For questions related to this Policy or the exercise of your rights in the area of personal data protection.

    dpo@kbcbank.bg

    Privacy Policy

    Information on Processing and Protection of Personal Data

    Cookies Declaration

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