Use of cookies and user tracking tools

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Do you want to check your cookies settings, find out what cookies are currently allowed when browsing our site or adjust your preferences?

We take very seriously the protection of the privacy of visitors to the websites of the ČSOB Financial Group and users of our SmartBanking mobile app. Our aim is to ensure that the ČSOB Financial Group provides the best possible online services with the most user-friendly experience possible.

For this reason, the websites belonging to the ČSOB Financial Group - www.csob.sk, www.csobleasing.sk (“ČSOB web sites”) and the ČSOB SmartBanking mobile app (“mobile app”), incorporate cookies and user tracking tools to record data on how visitors use the ČSOB website and the mobile app.

These rules for the use of cookies and user tracking tools explain what cookies and user tracking tools are, what cookies and user tracking tools are used by the ČSOB Financial Group, for which purposes they are used, information on how to change your cookie preferences for ČSOB websites and the mobile app, and information on how to contact us if you have questions about the use of cookies or other user tracking tools. The page also provides a detailed list of the cookies on our sites including information on their types, the domain for which each cookie is used, their sources and the period for which they are saved in your browser. Additionally, it presents information on user tracking tools that are used on ČSOB websites and in the mobile app.

We recommend that you read the information in the rules for the use of cookies and user tracking tools carefully. Updated information and changes in the conditions for the use of cookies are published in this article. This is how we ensure that you always have the latest information on how we process your personal data.

Who is the data controller for the ČSOB websites, which use cookies, and the mobile app?

The rules for the use of cookies on the ČSOB websites apply to the whole ČSOB Financial Group, which consists of the following companies:

Československá obchodná banka, a.s. registered office: Žižkova 11, Bratislava 811 02, ID no.: 36 854 140, Registered in the Companies Register of Bratislava I District Court, Section: Sa, entry: 4314/B (“ČSOB Banka”).

ČSOB Poisťovňa, a.s. registered office: Žižkova 11, Bratislava 811 02, ID no.: 31 325 416, Registered in the Companies Register of Bratislava I District Court, Section: Sa, entry: 444/B (“ČSOB Poisťovňa”).

ČSOB Leasing, a.s.registered office: Panónska cesta 11, Bratislava 852 01, ID no: 35 799 200, Registered in the Companies Register of Bratislava I District Court, Section: Sa, entry: 1220/B.

These companies process data from cookies on the ČSOB websites and from the mobile app as joint controllers of personal data, which means that they jointly determine the conditions and purpose of processing of your personal data in accordance with the consent that you have given for cookies and user tracking tools. The data controller for cookies is the company whose website you are visiting.

Group Data Protection Officer for ČSOB:

• e-mail address: dpo@csob.sk,
• in writing to the address: Československá obchodná banka, a.s., Žižkova 11, Bratislava 811 02.

What are cookies, and what types of cookies do we use?

Cookies are text files that are saved in your browser when you access our website or use our mobile app. They are used to provide for the technical functionality of the website / mobile app, or they may contain information that can be used to improve the functionality of the website / mobile app and provide a better user experience – for example, by showing personalised content and relevant advertising tailored to a known user. Such information is collected only after consent has been given for the use of cookies and user tracking tools.

Cookies are used either within a single visit to our website or mobile app or remain in your browser after you leave the site until their expiration date, or until their deletion when you end use of an anonymous browsing window or clear your browser data using your browser settings. Another option is to browse in incognito mode. In this mode, your visits will not be recorded in your browsing and download history. Cookies created in incognito mode are deleted when you close all open browser windows. Information about the use of cookies on our website will be displayed every time you visit the site in incognito mode.

Settings for cookie preferences apply only to the device that you are currently using to access the website. Your preferences are saved in the technical cookie COOKIES_ACCEPTED for 12 months or until you delete cookies from your browser.

During this period, you will browse our sites with the preferences that you selected during your fist visit, unless you change them in the meantime. How cookies are saved in your browser can vary depending on the settings of your browser, your operating system, or other restrictions on your device. In such cases, consent for use of cookies may be requested more often.

The cookies that we use can be divided into:

• Session cookies, which are deleted as soon as you close your browser window or end your visit to our site,
• Permanent cookies, which remain in your browser until their expiration date or until they are deleted by the user,
• First-party cookies – set directly by one of our websites (www.csob.sk, www.funucet.sk, www.csobsmartbanking.sk), when visited by the user (i.e., by the site whose address is shown in the browser address bar),
• Third-party cookies – set by another domain.

List of individual technical, analytical and marketing cookies ›

What type of cookies do we use and what do we use them for?

Essential (technical) cookies

These cookies store information that is used to ensure the basic functionality of the ČSOB websites or the mobile app during browsing. They contain information for raising security levels, logging in to internet banking, your settings, and your preferences (language, favourite items, …) Technical cookies are essential for the correct function of the ČSOB websites and the mobile app. Use of such cookies does not require your consent, nor can you opt out of their use.

Analytical/statistical cookies and tools for measuring and analysing traffic

On the ČSOB websites and in the mobile app, third party analytical tools are used to provide a better user experience based on analysis of visits to the ČSOB websites and use of the mobile app. They record the number of views of individual pages on the ČSOB web sites and screens in the mobile app, the use of the ČSOB websites and the mobile app at different times of day, the loading speed of pages on the ČSOB websites and screens in the mobile app, use of communication tools, demographic data about our audience, the devices used to browse the ČSOB websites and the browsers and operating systems used by our users. We also track the way users interact with the elements of pages on the ČSOB websites and screens in the mobile app. By analysing collected data with third party tools, we can obtain feedback on whether users can find the data that they are looking for and we can optimise the content and performance of the ČSOB websites and the screens in the mobile app. They help us to determine which version of our content is clearer, which information is most important for our users and needs to the easiest and most efficient to access.

These cookies provide information to our analytical tools in an anonymous and aggregate form. The cookies are used only when you give consent to the use of cookies and behaviour tracking. You can change your preferences in Cookie settings, where you can deactivate them if you disagree with their use.

The third parties whose analytical tools we use are Google analytics, Google Firebase and Hotjar.

Cookies for personalising content and advertising (marketing cookies) and the use of user tracking tools

Cookies and user tracking information on the ČSOB websites and in the mobile app are used for the following purposes with your consent:

1. Customisation/personalisation of content on the ČSOB websites and in the mobile app, and the presentation of relevant advertising – marketing cookies are used to select and display relevant content, advertising and product recommendations according to the current page of the ČSOB websites or screen in the mobile application. Marketing cookies are processed in various user tracking tools that enable us to display the content that we evaluate to be most interesting for visitors based on how they use the ČSOB websites. These tools enable us to offer visitors products that are likely to be suitable or interesting for them. Such information allows the design, navigation or functionality of the ČSOB websites to be updated to enable users to reach the information they are looking for as fast as possible. The mobile application is likewise able to present product and service offers at relevant points in the mobile application. Users’ interaction with such advertisements is analysed with the marketing tools to evaluate the effectiveness of our advertising campaigns.
2. Tracking of user interactions with advertising, personalised content and other forms of marketing communication such as e-mail, SMS and push notifications - this function is performed by a user tracking tool with the help of a measurement script. In e-mail communication, a “tracking pixel” hosted on a third-party domain is used. Our user tracking tools enable us to track delivery rates, read statuses, click rates and unsubscribe rates to determine whether communication is effective, relevant or interesting for the addressee. The tools record data on how users interact with the various advertising elements and on this basis the effectiveness of the advertising campaign is evaluated.
3. Marketing tools are also used to choose relevant advertisements for our products and services to show on third party web domains (remarketing) based on the pages visited on the ČSOB websites.
4. Use of tracking tools and cross-device tracking, which enables us to personalise content for users when they switch to a different device. Users are identified based on their identification on each device. Identification means logging in to the SmartBanking app or Moja ČSOB internet banking.
5. User identification and the tracking of an identified user on ČSOB websites. Identification is based on the connection between your visit to Moja ČSOB internet banking and your subsequent browsing of the ČSOB websites, or by the opening of a tracking link sent in a ČSOB e-mail and subsequent browsing of the ČSOB websites.

Marketing cookie processing and user tracking on the ČSOB websites and in the mobile app use third party tools from Google Adwords, Adform, Facebook, Exponea and Teads.

Analytical/statistical and marketing tools used on the ČSOB websites and in the SmartBanking mobile app:

• Google Analytics - a service for tracking visits to a website and user behaviour on a site
• Google Firebase - an analytical tool that monitors traffic on the ČSOB websites and in the mobile app
• Adform - a tool for the automated presentation of online advertisements and remarketing
• Google Ads - an online advertising platform for showing relevant adverts in Google search results
• Facebook pixel - a tool that enables relevant advertising to be shown on this social network
• Hotjar - an analytical tool for displaying qualitative data about user behaviour on our website
• Exponea - a tool for the presentation of online advertising and marketing communication on our site
• Teads - a tool for showing online advertising in video form
• Pixel tracking - a technique used in e-mail communication to track users’ behaviour
• SDK (software development kit) - a tool for integrating user tracking in the ČSOB websites and in the mobile app

How do I opt out or change my cookie settings?

If you want to change your settings / preferences related to the use of cookies and user tracking tools on the ČSOB websites or in the SmartBanking mobile app, and you do not want the ČSOB Financial Group to apply marketing or analytical cookies or user tracking tools, you can change your preferences or opt out by changing your cookie and user tracking preference on the cookie settings pages of each website www.csob.sk (funucet.sk/cookies, csobsmartbanking.sk/cookies). In the SmartBanking mobile app, you can change your preferences or opt out using the menu item More – Privacy settings. Please note that if you opt out of using certain types of cookies on the ČSOB websites or in the SmartBanking mobile app, some parts of our digital services will not be so well adapted to your needs and preferences.

You can opt out of the use of cookies and user tracking on the website www.csob.sk by setting your preferences on the Cookie settings page.

Our overall policies on the handling of stored information are set out in our Memorandum on Personal Data Protection.

List of cookies used on csob.sk

Technical cookies

These are files that ensure the proper functioning of services on csob.sk. Their use is essential.

Analytical/statistical tools cookies

These gather anonymous data on the behaviour of our website’s users to improve the quality of online services and the usability of web pages.

Marketing tool cookies

These support advertising campaign coverage, the display of personalised advertising and a unique user experience.

How can I adjust my cookie settings?

If you wish to change your settings for how cookies are used on our site, or if you wish to disallow marketing or analytical cookies, you can do so by setting your preferences. Settings for cookie preferences affect the device that you are using at the time to access the website. They are kept for 12 months or until you delete your browser data.

Another option is to browse in incognito mode. In this mode, your visits will not be recorded in your browsing and download history. Cookies created in incognito mode are deleted when you close all open browser windows. Information about the use of cookies on our website will be displayed every time you visit the site in incognito mode.