Cookie Policy

Our websites use cookies and similar technologies. These enable us, among other things, to provide you with the optimum browsing experience each time you visit our websites.

In this Cookies Policy, you will find information about what cookies are, what we use them for, and how to manage your settings and preferences. We also give you an overview of all the cookies we place (on any of our websites), by category.

This cookies policy applies to the following websites:

Belfius.be (and subdomains such as Wealthmanagement.belfius.be for example) - These websites are managed by Belfius Bank NV/SA, referred to hereinafter as Belfius Bank, a public limited company, credit institution and insurance agent incorporated under Belgian law, whose registered office is situated at 11 Karel Rogierplein, 1210 Brussels, entered in the Brussels Register of Legal Entities, VAT nº BE 0403.201.185 and FSMA nº 19649 A.

BelfiusAM.be - This website is managed by Belfius Asset Management NV, a public limited company, whose registered office is situated at 11 Rogierplein, 1210 Brussels, entered in the Brussels Register of Legal Entities, VAT n° BE 0654.876.296.

Belfius-autolease.be – This website is managed by Belfius Auto Lease Belgium NV, a public limited company, whose registered office is situated at 11 Rogierplein, 1210 Brussels, , entered in the Brussels Register of Legal Entities, VAT n° BE 0461.783.247 and FSMA n° 41029 A.

Belfius-commercialfinance.be – This website is managed by Belfius Commercial Finance NV, a public limited company, whose registered office is situated at 11 Rogierplein, 1210 Brussels, , entered in the Brussels Register of Legal Entities, VAT n° BE 0440.627.349 and FSMA n° 44727 A.

Belfius-lease.be – This website is managed by Belfius Lease NV & Belfius Lease Services NV, a public limited company, whose registered office is situated at 11 Rogierplein, 1210 Brussels, entered in the Brussels Register of Legal Entities, VAT n° BE 0431.916.551 & BE 0427.903.127 and FSMA n° 111643A & 18565A.

Belfiusimmo.be - This website is managed by Belfius Immo NV/SA, a public limited company having its registered office at 1210 Brussels, Place Charles Rogier 11, registered with the RPM of Brussels, VAT number BE 0436.006.090.

Belfius-financingcompany.lu - This website is managed by Belfius Financing Company, a company under Luxembourg law, whose registered office is situated at 20 rue de l'Industrie, Groothertogdom Luxemburg, L-8399 Windhof, , VAT n° LU 26191678.

1. What are cookies?

Cookies are small text files that a website places on your computer or mobile device, temporarily or permanently, via your browser. They contain information (e.g. your choice of language) and are placed or scanned every time you visit the website itself or certain pages. Cookies may also be placed by third parties with which Belfius Bank works.

Cookies may have a range of different functions: protecting the website against fraud, adjusting the website to your preferences, processing data to analyse the functioning of our website, gearing publicity to what may interest you.

2. Use of cookies on our websites

Belfius websites use cookies for various purposes:

Strictly necessary cookies enable us to secure our websites and ensure that they function properly. These are cookies that are absolutely necessary and therefore you cannot refuse them. For example, we use these cookies to secure the connection between our server and your session.
Comfort cookies allow us to remember your personal settings so that we do not have to ask you every time. We can optimise your ease of use each time you visit our websites. This may include your choice of language.
Analytics cookies allow us to analyse the use of our websites and to make improvements or resolve problems on that basis. This, for example, could be the number of visitors who visit a particular page or who click on a banner on our website.
Advertising cookies enable us to show you commercial information that may be of interest to you.

Cookies have an expiry date. In the cookie details in our list (see below) you can see how long each cookie is valid for. Session cookies, for example, are automatically deleted when you close your browser.

We respect your privacy and for that reason, will only place cookies if you wish them to be placed, except for strictly necessary cookies. (see 4. Managing cookies)

If you choose not to accept certain cookies, we may not be able to guarantee you the best experience from our websites or services.

Which cookies do we use and what do we use them for?

Belfius allocates its cookies to one of the following 4 categories, depending on the purpose of the cookie.

Below you will find a list of cookies that we use, by category.

Cookies may also be placed by third parties, specifically for marketing purposes

We scan our website regularly to keep this list up to date.

(1) If no 'Host' is mentioned in the table below, the cookie is placed by the relevant website, as first party or internal cookie.

Strictly necessary cookies

Name / Host (1)	Description	Validity Period
__RequestVerificationToken_	This cookie is placed in the context of secure Internet usage to avoid fraud. It contains information (a token) to verify the identity of the visitor or the information entered.	SESSION
ASP.NET_SessionId	Each time you visit our site, a ‘session’ is started. This session is given a unique identification and is closed and deleted when you leave the site or if you do not do anything for a certain period of time. This cookie keeps track of this unique identification. This enables us to offer you a consistent user experience and ensure that the choices you made since the session began do not have to be made again. For example, when you go back to a page where you carried out a simulation.	SESSION
BIGipServerpool_*	To ensure that our website is accessible at all times for all visitors, we use several underlying web servers. It is important for you to continue using the same server during your visit. This cookie enables us to guarantee that you are able to do so.	SESSION
cookie-test	This cookie is placed, read and deleted to check whether the browser allows cookies.	1 day
gew7-test	This cookie is placed, read and deleted to check whether the browser allows cookies.	SESSION
incap_ses_*	We protect our websites against unauthorised modifications and attacks so that they can’t be accessed (Denial-of-service attacks and distributed-denial-of-service attacks) by placing them behind a Web Application Firewall (WAF) from the company Imperva Incapsula. This cookie contains a unique identification for your session (visit) so that any request from your browser to our web servers to send a specific page (HTTP Request) can be checked to see whether it relates to the same session.	SESSION
JSESSIONID	Each time you visit our site, a ‘session’ is started. This session is given a unique identification and is closed and deleted when you leave the site or if you do not do anything for a certain period of time. This cookie keeps track of this unique identification. This enables us to offer you a consistent user experience and ensure that the choices you made since the session began do not have to be made again. For example, when you go back to a page where you carried out a simulation.	SESSION
mx-cookie-test	This cookie is placed, read and deleted to check whether the browser allows cookies.	SESSION
Mpbb_cookie_test myplansbybelfius.be	This cookie is placed, read and deleted to check whether the browser allows cookies.	1 day
NSC_PERS authentication.bcfonline.belfius.be	This cookie is associated with the Netscaler load balancing service from Citrix. This is a pattern type cookie with the root being NSC_ and the rest of the name being a unique encrypted alpha numeric identifier for the virtual server it originated from. The cookie is used to ensure traffic and user data is routed to the correct locations where a site is hosted on multiple servers, so that the end user has a consistent experience.	1 year
NSC_TASS authentication.bcfonline.belfius.be	This cookie is associated with the Netscaler load balancing service from Citrix. This is a pattern type cookie with the root being NSC_ and the rest of the name being a unique encrypted alpha numeric identifier for the virtual server it originated from. The cookie is used to ensure traffic and user data is routed to the correct locations where a site is hosted on multiple servers, so that the end user has a consistent experience.	SESSION
NSC_TEMP authentication.bcfonline.belfius.be	This cookie is associated with the Netscaler load balancing service from Citrix. This is a pattern type cookie with the root being NSC_ and the rest of the name being a unique encrypted alpha numeric identifier for the virtual server it originated from. The cookie is used to ensure traffic and user data is routed to the correct locations where a site is hosted on multiple servers, so that the end user has a consistent experience.	1 year
NSC_USER authentication.bcfonline.belfius.be	This cookie is associated with the Netscaler load balancing service from Citrix. This is a pattern type cookie with the root being NSC_ and the rest of the name being a unique encrypted alpha numeric identifier for the virtual server it originated from. The cookie is used to ensure traffic and user data is routed to the correct locations where a site is hosted on multiple servers, so that the end user has a consistent experience.	1 year
NSC_* authentication.bcfonline.belfius.be	This cookie name is associated with the Netscaler load balancing service from Citrix. This is a pattern type cookie with the root being NSC_ and the rest of the name being a unique encrypted alpha numeric identifier for the virtual server it originated from. The cookie is used to ensure traffic and user data is routed to the correct locations where a site is hosted on multiple servers, so that the end user has a consistent experience.	SESSION
OptanonAlertBoxClosed	This cookie is placed because we use a particular version of OneTrust's cookie solution. It is placed after you have seen our cookie information message. It allows us to show the message not more than once. The cookie has a lifetime of one year and does not contain any personal information.	1 year
OptanonConsent	This cookie is placed by OneTrust's cookie compliance solution. It stores information about the categories of cookies the site uses and whether visitors have given or withdrawn their consent to the use of each category. This enables site owners to prevent cookies in each category from being placed in the user's browser if consent is not given. The cookie has a normal lifetime of one year, so that returning visitors to the site remember their preferences. It does not contain information that can identify the site visitor.	1 year
sat_track	This cookie ensures that we respect your choice not to place analysis cookies. (EU compliance for Adobe Analytics)	1 year
TS01*	These are security cookies. Our firewall (network protection) uses them to check that unauthorised changes have not been made to the content of cookies when sending data to and from our servers.	SESSION
visid_incap_*	We protect our websites against unauthorised changes and attacks that make them inaccessible (Denial-of-service attacks and distributed-denial-of-service attacks) by placing them behind a Web Application Firewall (WAF) from the company Imperva Incapsula. This cookie contains a unique identification of you as a visitor to check whether you have already used Incapsula in a previous session.	1 year

Comfort cookies

Name / Host (1)	Description	Validity period
automaton	This cookie is used to remember what slide you last viewed in slide shows used on belfius.be/about-us.	SESSION
belfiusfundfilter	This cookie keeps track of the filter settings you have chosen on the "Search Funds" page.	SESSION
belfiusinv symex.belfius.be	This cookie is placed when you use our site to view exchange rates and contains information such as the last graphic and market you chose (Brussels, Paris, etc.).	1 day
belfiusweb_nt_language	This cookie remembers the last language selected. That way, it is automatically selected again on a subsequent visit.	1 year
cardReaderPluginInstallationAttempts	This cookie remembers how many times you have tried to install our card reader plugin.	1 year
cardReaderUsedUnconnected	This cookie remembers how many times you logged on with our card reader without using a USB cable.	1 year
clientAlertedCount	This cookie remembers how many times you have already been shown a particular message (such as a phishing warning). That way we can avoid the message being displayed again.	1 year
iws-cookie-subs	This cookie will be placed by Belfius Bank and contains information relating to Belfius Direct Net, our online banking application. For example, we need to keep track of whether the software to use our card reader has already been installed.	1 year
iws-language	This cookie remembers the last language selected. That way, it is automatically selected again on a subsequent visit.	1 year
iws-language-code	This cookie remembers the last language selected. That way, it is automatically selected again on a subsequent visit.	1 year
iws-app	This cookie remembers your choice whether you want more information on the Belfius Mobile app, now, later or never, and as such avoids asking you that question at each visit to our website.	1 year
iws-universe	This cookie remembers which customer segment you selected last (Personal customer, business customer, etc.). That way, it is automatically selected again on a subsequent visit.	1 year
justMigrated	This technical cookie gives an indication of whether you have recently used the latest version of our banking application.	1 year
loginPAN	With this cookie we can avoid you having to enter your account number each time when you use Belfius Direct Net.	1 year
loginPhone	Belfius Direct Net: When you log on via itsme and indicate that your mobile phone number can be saved for a subsequent visit, we use this cookie to do so.	1 year
wp-wpml_current_language	This cookie remembers the last language selected. That way, it is automatically selected again on a subsequent visit.	SESSION
F2c_tan_user myplansbybelfius.be	This cookie stores your preferred login method: itsme or access codes.	400 days
F2c_itsme_gsm myplansbybelfius.be	When you log on using itsme and indicate that your mobile phone number can be saved for a subsequent visit, we use this cookie to do so.	400 days
F2c_itsme_user myplansbybelfius.be	When you log on using itsme and indicate that your user number can be saved for a subsequent visit, we use this cookie to do so.	400 days

Analytics cookies

Name / Host (1)	Description	Validity period
___utmvx*	These cookies are placed by Google Analytics. Google Analytics gives us insight into how our sites are used and what content inspires you as a visitor.	2 years
_ga	This Google Analytics cookie is created when you first visit our site. It contains the version of Google Analytics, a randomly generated ID and a datetime group of your first visit. This allows us to determine over a certain period of time whether it is the same visitor who returns to our site. This value is unique per device and browser. If you use Google Chrome one time and Microsoft Edge the next, Google Analytics will see this as two different visitors. Google Analytics is a software that provides statistics and basic analysis tools for search engine optimization (SEO) and marketing purposes. Google Analytics is used to track website performance and collect visitor insights.	730 days
_gid	This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. Google Analytics is a software that provides statistics and basic analysis tools for search engine optimization (SEO) and marketing purposes. Google Analytics is used to track website performance and collect visitor insights.	1 day
AMCV_5CA44CAC56B866AA7F000101%40AdobeOrg	This cookie uniquely identifies a visitor to our website. The cookie is placed within the context of Adobe Analytics, which is software used by Belfius to create reports and analyses about use of the website.	2 years
AMCVS_5CA44CAC56B866AA7F000101%40AdobeOrg	This cookie is placed within the context of Adobe Analytics, which is software used by Belfius to produce reports and analyses on the use of the website. It indicates the start and end of the session.	SESSION
s_cc	This cookie is placed, read and deleted to check whether the browser allows cookies.	SESSION
s_cmpid	This cookie is used to remember your marketing preferences so that you are not inadvertently approached with regard to new services, special offers, etc.	SESSION
s_ecid	This cookie uniquely identifies a visitor to our website. The cookie is placed in the context of Adobe Analytics, software that Belfius uses to make reports and analyzes about the use of the website.	2 years
s_fid	The cookie is placed within the context of Adobe Analytics, which is software used by Belfius to produce reports and analyses on the use of the website. It is a fallback visitor ID if the s_vi cookie cannot be placed.	2 years
s_sq	This cookie is placed in the context of Adobe Analytics, software that Belfius uses to make reports and analyzes about the use of the website. This cookie is specifically for reports on the use of links within the website pages.	SESSION
s_vi	This cookie uniquely identifies a visitor to our website. The cookie is placed in the context of Adobe Analytics, software that Belfius uses to make reports and analyzes about the use of the website.	2 jaar
test	This cookie is placed, read and deleted to check whether the browser allows cookies.	SESSION
uts_vec	This cookie uniquely identifies a visitor to our website. The cookie is placed in the context of Lily, a Customer Experience Software that Belfius uses, among other things, to gain insight into which content inspires you as a visitor on our website.	SESSION
kndctr_5CA44CAC56B866AA7F000101_AdobeOrg_identity	This cookie uniquely identifies a visitor to our website. The cookie is placed in the context of Adobe Experience Platform, software that Belfius uses, among other things, to gain insight into which content inspires you as a visitor on our website.	400 days
kndctr_5CA44CAC56B866AA7F000101_AdobeOrg_cluster	The cookie is placed in the context of Adobe Experience Platform, software that Belfius uses, among other things, to gain insight into which content inspires you as a visitor on our website. This technical cookie ensures routing to the server in the correct region.	SESSOIN

Advertising cookies

For more information about using and managing the YouTube and Google cookies refer Belfius Bank refers to the Google privacy policy: https://policies.google.com/privacy?hl=en

In some browsers, you can also opt not to be followed by websites (‘Do not track’). Belfius only takes account of its own cookie mechanism and does not support ‘Do not track’.

3. Cookie management

On our website

When you visit one of our websites for the first time, a cookie banner is displayed on which you can choose whether to accept our cookies or to set your own preferences for each category. You can also change this at any time via Cookies (hamburger menu)

Please note that you can also choose certain settings in your browser concerning the placing of cookies. If you block all cookies, our cookie banner will still be displayed even if you select 'I accept all cookies'. In addition, some parts of our website may not function properly.

Via your browser

Most browsers are set to accept cookies, although all browsers allow you to personalise the settings, according to your own preferences.

Please note that if you block all cookies in your browser’s settings, will still be displayed even if you select 'I accept all cookies'. In addition, some parts of our website may not function properly.

Our websites use cookies to make sites easier to access, so that you do not have to choose your languages on each visit, or set your cookie preferences or, if you are a user of Belfius Direct Net, you will not see the same information screens over and over again, etc.

If you want this ease of use, then you can accept cookies from the Belfius domain, even if you generally block the use of cookies in your browser.

Below you will find more information about the settings of the most frequently used browsers. All browsers allow you to manage the cookies stored on your computer/device. You can block or allow cookies, or you can specify specific sites from which you want to accept cookies. If necessary, see the help function for your browser, or go directly to the manual of your browser via these links.

Please note that if you make such changes, this will have no effect on the cookies that may already be stored on your computer.

Management of cookies in:

4. Who to contact in case of questions?

You can contact our Data Protection Officer (‘DPO’) by writing to the following address: Belfius, for the attention of the DPO – Karel Rogierplein 11 – 1210 Brussels, or by sending an e-mail to bankverzekeraar.privacy@belfius.be

If you would like more information about the privacy policy of Belfius Bank, or its entities to which this cookie policy applies, we refer you to the respective Privacy Charters that you can find on the websites.

5. Changes to our cookies policy

Belfius Bank reserves the right to make changes to this Cookie Policy or to update it at any time. For this reason, always base yourself on the most recent version published on our websites and available via the link “Cookies” at the bottom of every page.

Name / Host (1)	Description	Validity period
_gat_gtag_*	This Google Analytics cookie is used to analyze the surfing behavior of visitors to this site. Google Analytics is a software that provides statistics and basic analysis tools for search engine optimization (SEO) and marketing purposes. Google Analytics is used to track website performance and collect visitor insights.	1 day
CONSENT youtube.com	This cookie is automatically placed by YouTube and/or Google. They use it to collect data when you view embedded YouTube videos on our websites and provide personalised recommendation.	2 years
GPS youtube.com	This cookie is automatically placed by YouTube and/or Google. They use it to collect data when you view embedded YouTube videos on our websites and provide personalised recommendation.	SESSION
NID google.com	This cookie is placed by Google and contains other information besides your preferences. For example, in what language you use Google, how many search results you want to see (10, 20, etc.) and whether you want to activate the 'Safesearch' filter.	180 days
VISITOR_INFO1_LIVE youtube.com	YouTube places this cookie automatically to enable it to show you personalised videos based on searches made and videos viewed previously.	6 months
YSC youtube.com	This cookie is placed automatically and used by YouTube to collect information about videos watched.	SESSION

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