Legal

Cookie and Trackig Policy

Information on the use of cookies on Zürcher Kantonalbank’s websites and apps.

When you visit our digital websites, data on 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") is 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. The 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")
  • 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

We use cookies on the ZKB website and, if necessary, other tracking technologies (hereinafter collectively referred to as "cookies"). Some of our cookies are technically necessary for the proper functioning of our offerings. Their use cannot be dispensed with for technical reasons, otherwise the Bank's digital offerings would not function properly. The other cookies are used to improve your user experience (e.g. through personalised offers). Their use may be approved or rejected when visiting our websites.

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.
If you decline the use of cookies, we will only use cookies on the ZKB website that are technically necessary to enable proper functioning.

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.

Tracking data does not establish links to personal identities. However, the Bank may merge tracking data with other data already available at the Bank and thus the Bank may be able to establish a personal link. If a personal link 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 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

Besides cookies from our own systems, we use cookies and SDKs from service providers and third-party tools. A list of these third-party technologies for each offering is provided below.

ZKB website

Necessary cookies

These cookies are technically required for the functionality of the ZKB website and for the provision of the offering (e.g. use of the shopping basket or continued surfing on sub-pages). Therefore, it is not possible to decline these cookies.

Provider and product Purpose Domain and name Duration
Google (Maps) Display of Google Maps on location pages (publicly accessible content)

Google.com

NID

6 months
OneTrust Cookie Compliance Anonymous storage of cookie settings and anonymised tracking when handling the cookie banner

zkb.ch

OptanonConsent

OptanonAlertBoxClosed

6 months

Statistical cookies

Statistical cookies collect anonymised data about the behaviour of users on our website (e.g. pages visited and length of stay and frequency of visits) and help us improve the user experience and our content.

Provider Purpose Domain and name Duration
Adobe Systems Inc. - Adobe Analytics This sets anonymous IDs for the persistent tracking of user actions on ZKB websites within the session or across sessions

zkb.ch

s_cc

s_fid

s_vi

At_check

AMCV, AMCVS

Session or 24 months
Adobe Systems Inc – Adobe Experience Cloud

Anonymised visitor ID, which is used across all Experience Cloud programs (Adobe Analytics, Adobe Target and Adobe SDK)

dpm.demdex.net

dpm

demdex

24 months

Personalisation

Personalisation cookies are used to display relevant content tailored to the interests of users within the ZKB website and to measure user interactions on a pseudonomous basis in order to deliver personalised content on this and other channels (e.g. e-mail, SMS and mobile push notifications). As a result, content and user experience on the ZKB website and other channels are adapted as well as possible to customer needs in order to make the overall experience as relevant and targeted as possible.

Provider Purpose Domain and name Duration
Adobe Systems Inc - Adobe Target This tests the relevance of online content and offerings for visitors and displays offerings tailored to the pseudonymised visitor

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, anonymised data can be transmitted to online advertisers. 

Provider Purpose Domain and name Duration
Google Marketing Platform This merges ad tracking (placements and user interactions) with user interactions in the public areas of the ZKB website and anonymously measures conversion metrics to optimise adverts and placements

doubleclick.net

DSID

test_cookie

id

IDE

FLC

RUL

PAIDCONTENT

Session up to 24 months

Marketing on external 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 technically necessary cookies that are needed for the 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" webpage 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.

Mobile apps

In the Bank's mobile apps, tracking and targeting is carried out for statistical purposes and to personalise its own content using the Adobe SDK.  

Provider Purpose Duration
Adobe Systems Inc. - Adobe SDK This permanent sets anonymised IDs, tracks user interactions and displays offerings tailored to the anonymised visitor Permanent and initiated when installing the application

Mechanisms to control the use of tracking technologies

The use of tracking technologies via Adobe SDK in our mobile apps is approved by downloading the application. The use of tracking technology is rejected by not downloading the app.

Terms of use and privacy policy of third-party tools

Terms of use and privacy policy of the third-party tools used:

Last updated: September 2022