Cookie policy

The Cookie Policy describes the files stored temporarily on PCs and other devices visitors use to browse the websites of Banque et Caisse d’Epargne de l’Etat, Luxembourg (BCEE). We use cookies to customise our customers experience on our websites. They indicate us which pages are the most visited, help us to measure the effectiveness of advertising and web searches, and give us an idea of how users interact with our websites.

A) Definition of a cookie:

Cookies are small text files sent by a website to a user’s device (which might be a desktop or laptop computer, a smartphone or a tablet) while he is browsing. They are stored in the browser's memory. The website that sent them can read and save the cookies found on the device so as to retrieve data of various types.

B) Types of cookies used on each BCEE website:

Each site uses:

a.    technical cookies ensuring that the site content can be used properly;

b.    third-party analytical cookies as an anonymous and pooled instrument to analyse the attitudes of people who browse the site;

c.     third-party profiling cookies to promote offers which are compatible with the customers requirements.

C) Definition of the various types of cookies:

a.    Session cookies:

These cookies are deleted automatically when exiting the browser (e.g. Internet Explorer, Safari, Google Chrome).

b.    Persistent cookies:

These cookies remain on the device and operate even after closing the browser, until they expire.

c.     First-party cookies:

These cookies are generated by the owner of the website the user is browsing.

d.    Third-party cookies:

These cookies are generated by parties (third-parties) other than the owner of the website the user is browsing (under an agreement between the website owner and the third party).

D) Definition of functional macro-categories:

a.   Technical cookies

Technical cookies are necessary for the website to operate properly and to make browsing possible; without this type of cookies, users would not be able to view pages correctly or use some services. For example, a technical cookie is essential to keep users connected while they browse the website and to store language, display and other settings. Technical cookies can be subdivided into:

  • browsing cookies which ensure that users can browse smoothly (e.g. by enabling them to make a purchase or log into the “members” area);
  • analytical cookies which can be assimilated to technical cookies if they are used directly by the site owner to gather information, in an aggregated form, on user numbers and how they use the site;
  • functionality cookies, which improve the service delivered by tailoring the browsing experience based on a series of selected criteria (e.g. language, products selected for purchase).

b.    Profiling cookies

Profiling cookies are designed to create user profiles and are used to send advertising messages based on the preferences users indicate when browsing this network. Because of the particularly invasive nature of these cookies and their impact on users’ privacy, applicable regulations stipulate that users must be duly informed of their use and consent to it.

As these cookies are not necessary for the site to operate properly, but are only used to make internet users aware of the offers best suited to their needs, users have the option to enable or disable them directly on the websites of the cookies’ owners.

E) Details of the cookies used This site uses the following cookies:

Strictly necessary cookies
Cookie name Owner Duration Type Description  
allowed_cookies_analytics BCEE Permanent (1 year) first-party technical cookie Cookie management  
allowed_cookies_mandatory BCEE Permanent (1 year) first-party technical cookie Cookie management  
allowed_cookies_service BCEE Permanent (1 year) first-party technical cookie Cookie management  
bceeCookieDisclaimerAccepted BCEE Permanent (1 year) first-party technical cookie Cookie management  
Feedback BCEE Permanent (1 year) first-party technical cookie Used for the "Feedback" module to know what pages you already rated  
dtCookie Dynatrace Session Third party cookie Checking the technical infrastructure
dtLatC Dynatrace Session Third party cookie Measured latency to server  
dtPC Dynatrace Session Third party cookie Checking the technical infrastructure  
dtSa* Dynatrace Session Third party cookie Checking the technical infrastructure  
dtBw Dynatrace Session Third party cookie Checking the technical infrastructure  
rxVisitor Dynatrace Permanent (2 years) Third party cookie Checking the technical infrastructure  
rxvt Dynatrace Session Third party cookie Checking the technical infrastructure  
Functional cookies
Cookie name Owner Duration Type Description  
mp_*_mixpanel Mixpanel Permanent (2 years) Third Party cookie This cookie is set by Mixpanel for analyzing traffic  
mp_mixpanel_c Mixpanel Session Third Party cookie This cookie is set by Mixpanel for analyzing traffic  
Analytical and advertising cookies
Cookie name Owner Duration Type Description  
_ga Google Analytics Permanent (2 years) Third Party cookie Used to distinguish users  
_gid Google Analytics Session (24 hours) Third Party cookie Used to distinguish users  
_gat Google Analytics Session (1 minute) Third Party cookie Used to throttle request rate  
_gac Google Analytics Session (24 hours) Third Party cookie Adwords campaign information  
fr Facebook Permanent (3 months) Third Party Profiling Cookie Facebook ID Browser ID encrypted  

F) How to disable cookies:

Besides the settings in the “Your user experience depends on the use of cookies “ module, any user can configure his browser to block cookies automatically. It is possible to delete cookies stored in the browser or prevent new ones from being stored. Specific information on each browser, can be found in the "Help” section of said browser. Support articles can be searched by typing queries such as: “How to disable cookies in browser...”