Cookie and Tracking Policy
Information on the use of cookies on Zürcher Kantonalbank’s websites and apps.
When you visit our digital offerings, the details of your visit (e.g. your IP address, the website from which you visit us or the ZKB website you are currently visiting, including the date and duration of your visit, hereinafter referred to as «tracking data») are automatically registered. Tracking data is used to optimise the content offered on our communication channels, in particular our websites and mobile applications, and to provide information on how you can find out about our products and services and use them.
This Cookie and Tracking Policy describes how Zürcher Kantonalbank (hereinafter referred to as the «Bank») collects such tracking data and how it handles this data. This Policy may be updated at any time. Please check this page regularly for the latest version.
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»)
- the Bank's eBanking after logging in to onba.zkb.ch (hereinafter referred to as «eBanking») and
- 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, e.g. social media channels, other mobile apps or separate websites. These are available on the corresponding digital offerings and take precedence in these cases.
It has no influence on digital sites that comment on or about Zürcher Kantonalbank, but are not operated by the Bank or on its behalf. This Cookie and Tracking Policy does not apply in this case.
Which tracking technology do we use
We use cookies in the browser and, if necessary, other types of tracking technology (hereinafter referred to as «cookies»).
Some of our cookies are technically necessary for the proper functioning of our digital offerings. It is necessary to use them for technical reasons. The other cookies are used to improve your user experience (e.g. through personalised content). You may adjust your cookie settings at any time to suit your preferences.
In our mobile apps, we use software development kits (SDKs) with tracking functionalities and, where applicable, other tracking technologies (hereinafter referred to as «tracking SDKs»). The use of these technologies is deemed approved by downloading the mobile apps and can be declined by not downloading them.
What do we mean by cookies and tracking SDKs and how do they work?
Cookies are small text files which are stored in your browser. This allows the digital offering (e.g. the ZKB website) to remember certain inputs and settings (e.g. login, language, usage, preferences and statistics) over a certain period of time.
Cookies can be set as first-party cookies by saving them on the domain of the respective website (e.g. ZKB website). These first-party cookies can only be read by the operators of the respective website (in this case the Bank). These first-party cookies are set by means of the operator's technical integrations (i.e. by the Bank) or by the integration of third-party products (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.
A list of cookies used through the integration of third-party products can be found in the «Which third-party cookies and tracking SDKs do we use?» section.
Tracking SDKs are code packages which are integrated into the source code of a mobile app and are automatically installed when the app is downloaded. This allows the app to remember various inputs and settings for the entire duration of the installation and link them to the user behaviour. A list of the third-party tracking SDKs used can be found in the «What third-party cookies and tracking SDKs do we use?» section.
What data is stored and processed?
The cookies stored on our ZKB website and in eBanking with your consent read tracking data (e.g. the ZKB website or URL 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 eBanking and for the display of content tailored to your interests.
If you decline the use of cookies, we will only use necessary cookies on the ZKB website and in eBanking to enable the proper functioning of our digital offerings.
The tracking SDKs used in the mobile apps read usage data (e.g. app screens visited, date and duration of the visit, number of visits and operating system). This usage data is required for statistical purposes for the optimisation and further development of the mobile apps and for the display of tailored content.
Tracking data does not establish links to personal identities. However, the Bank may merge tracking data with other data already held by the Bank and thus possibly establish links to personal identities. If a link to a personal identity is established, the Bank may process this personal data in accordance with the privacy policy and, in particular, use it for the purposes described therein.
If third-party products are used for tracking on the ZKB website, in eBanking or in the mobile apps, the Bank will only forward pseudonymised data to these third-party providers. This data in itself does not allow the third-party providers 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 users or replaced by revisiting the digital offerings.
How long are SDKs stored in the mobile apps?
The tracking SDKs used in the 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 third-party cookies and tracking SDKs do we use?
Besides cookies from our own systems, we use cookies and tracking SDKs from service providers and third-party products. An overview of these products and the cookies they set can be found below.
ZKB website
Necessary cookies
These cookies are technically necessary for the functioning of the ZKB website and for the provision of the content (e.g. storage of your cookie settings or continued surfing on sub-pages). Necessary cookies cannot therefore be declined.
| Third-party provider and product | Description | Domain and name | Duration |
| Google (Maps) | Google sets these cookies in order to store the Maps user settings and other information. This includes the preferred language, for example. | .google.com NID |
6 months |
|---|---|---|---|
| OneTrust Cookie Compliance | The cookies save the cookie settings made in the browser and log the handling of the cookie banner. | zkb.ch OptanonConsent OptanonAlertBoxClosed |
6 months |
Statistical and personalisation cookies
The statistical cookies stored with your consent read usage data. This data can be used in aggregated form for analytical purposes and to optimise and further develop the content (e.g. to measure the number of page views or length of stay) and can be combined with data already available at the Bank. This also applies to personalisation cookies, which are used to show you content tailored to your interests at selected points in the digital offerings and to provide you with content on other channels (such as email, text messages and mobile push notifications).
| Third-party provider and product | Description | Domain and name | Duration |
| Adobe Systems Inc. - Adobe Analytics | These cookies set time/date stamps and IDs which help to ensure persistent tracking within the session or across the board in the same browser. | zkb.ch s_cc s_fid s_vi At_check AMCV, AMCVS |
Session or 24 months |
|---|---|---|---|
| Adobe Systems Inc – Adobe Experience Cloud | The cookies contain a unique user ID (UUID), a visitor ID which is used across all Experience Cloud programs (Adobe Analytics, Adobe Target, Adobe SDK and Adobe Experience Cloud). |
dpm.demdex.net dpm dextp ev_sync_dd everest_g_v2 |
24 months |
| Adobe Systems Inc – Adobe Target | The cookies contain values (e.g. session and browser ID) to manage how visitors receive and use Adobe Target campaigns. | .zkb.ch mbox | 24 months |
Marketing on external websites
Marketing or advertising cookies are used to display advertisements relevant to the user on third-party sites. For this purpose, pseudonymised data may be transmitted to online advertisers. The advertisements may contain products and services from Group companies of Zürcher Kantonalbank or from related institutions (e.g. the Sparen 3 pension foundation of Zürcher Kantonalbank).
| Third-party provider and product | Description | Domain and name | Duration |
| Google Marketing Platform | The cookies set various IDs (session, browser and user IDs) of Google to combine ad tracking (displays and interactions) with usage data and to measure conversion metrics in order to optimise advertisements and displays. | doubleclick.net, google.com DSID test_cookie id IDE RUL PAIDCONTENT CONSENT gtag_session_id ar_debug receive-cookie-deprecation |
Session up to 24 months |
|---|---|---|---|
| Meta | Used to deliver, measure, and improve the relevancy of ads. | zkb.ch _fbc |
30 days |
| Used to deliver, measure, and improve the relevancy of ads. | zkb.ch li_fat_id |
30 days |
Options on the ZKB websites
When you first visit our website www.zkb.ch, you can consent to the use of cookies in the cookie banner or change your personal settings via the preference centre (accessible via the cookie banner or the «Cookie settings» link in the footer of www.zkb.ch). This applies to all cookie categories apart from the necessary cookies that are needed for the proper functioning of the digital offerings. You can change your settings for www.zkb.ch at any time via the link in the footer. We store your cookie settings in a cookie via the third-party provider OneTrust. This data is stored anonymously with the third-party provider and prevents you from having to re-enter your settings every time you visit.
You can delete cookies that have already been set as follows:
The «Security in digital banking» website on zkb.ch («Clear cache» section) contains information on how you can delete cookies and stored data in your browser. Alternatively, you can use the Ctrl+Shift+Delete keyboard shortcut to open the relevant settings window in most browsers.
eBanking
Cookies and tracking technologies which are not required for technical reasons are used sparingly in ZKB's eBanking. The use of these cookies and third-party products does not affect compliance with the high security requirements for eBanking. Only pseudonymised data from eBanking is forwarded to these third-party providers. This data in itself does not allow third-party providers to identify a specific person. You will be asked for your consent to the use of cookies the first time you log in and at regular intervals. You can decline the use of cookies at any time via the settings in eBanking.
The statistical cookies stored with your consent read usage data. This data can be used in aggregated form for analytical purposes and to optimise and further develop the content (e.g. to measure the number of page views or length of stay) and can be combined with data already available at the Bank. This also applies to personalisation cookies, which are used to show you content tailored to your interests at selected points in eBanking and to provide you with content on other channels (such as email, text messages and mobile push notifications). Further tracking (e.g. which websites are visited outside our digital offerings or for marketing purposes outside the Bank) does not take place.
| Third-party provider and product | Description | Domain and name | Duration |
| Statistical cookies: Adobe Systems Inc. - Adobe Analytics |
The cookies set time/date stamps and IDs which help to ensure persistent tracking within the session or across the board in the same browser. | .zkb.ch s_cc s_fid s_vi At_check AMCV, AMCVS |
Session or 24 months |
|---|---|---|---|
Personalisation: Adobe Systems Inc – Adobe Target |
The cookies contain values (e.g. session and browser ID) to manage how visitors receive and use Adobe Target campaigns. |
.zkb.ch mbox |
24 months |
Options in eBanking
After logging in, you can consent to the use of non-technically necessary cookies or decline them. We ask you to confirm your preferences every six months. You can also change your preferences at any time in eBanking under «Settings – Cookie settings». Your preferences apply to both statistical and personalisation cookies. Cookies which are technically necessary for the proper functioning of eBanking cannot be declined.
Mobile apps
In the Bank's mobile apps, tracking and targeting is carried out for statistical purposes and to personalise the Bank's own content using Adobe's tracking SDK.
| Third-party provider and product | Description | Domain and name |
| Adobe Systems Inc. - Adobe SDK | Permanent setting of IDs to read usage data and show content tailored to the visitor. | Permanent and initiated when installing the application |
|---|
Options for mobile apps
Consent for the use of tracking technologies via tracking SDKs in our mobile apps is given by downloading the application. The use of tracking technology is rejected by not downloading the app.
Privacy policy of third-party products
Terms of use and privacy policy of the third-party products used
- Google: How we use data from websites or apps that use our services – Privacy policy and terms of use – Google
- Google Marketing Platform: How we use data from websites or apps where our services are used – Privacy policy and terms of use – Google
- Adobe: Adobe Privacy Centre
- OneTrust: OneTrust privacy policy | Learn more about our policies
- Meta*: Meta Privacy Policy - How Meta collects and uses user data | Privacy Center | Manage your privacy on Facebook, Instagram and Messenger | Facebook Privacy
- LinkedIn*: LinkedIn Privacy Policy
* You can restrict the linking of tracking data with third-party products using the third-party provider's settings.
Last updated: July 2024