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Cookie policy

This policy explains how we (ING Direct NL) use cookies and similar technologies on our website For details of the cookies we use, please read the "Cookies used on our website" section below.

Queries

If you have any questions about how we use cookies which are not answered by this Cookie policy, please write to us or contact Customer Services..

Changes

This Cookie policy is regularly reviewed to make sure that it is accurate and up to date. We reserve the right to modify or otherwise update this Cookie policy from time to time and these changes will be posted on our website. We encourage you to visit this page regularly to ensure that you are aware of any changes we have made. However, if we make any significant changes to the way we use cookies on our website, we will endeavour to specifically draw these changes to your attention.

Important information

Our website uses cookies to allow us to recognise you and to distinguish you from other users of our website. This helps us to provide you with a good user experience when you visit our website and also allows us to improve our website. The cookies used on our website do not store your email address or other personal information. They do however enable us to recognise your visit, remember your preferences and understand how you interact with our website. We do not use targeting cookies on our website. Please see the "Cookies used on our website" section below for more details.

We set cookies as soon as your enter our website. You can delete these cookies from your device by using your browser (for information on how to do this, please see "How to reject or delete cookies using your browser" below). However, please be aware that if you delete all of these cookies, any settings you have previously made for our website (e.g. your cookie settings), will be lost.

Cookies explained

Cookies are small data files which are sent to your browser from a website that you visit. They are stored on your computer's hard drive or other device (e.g. your mobile phone or tablet). A cookie will typically contain the name of the domain from which the cookie has come, the "lifetime" of the cookie (i.e. how long it will stay on your device) and a value, usually a randomly generated unique number. The majority of our cookies only contain a randomly generated unique number to enable us to enhance the performance of our website for users.

All cookies have an owner. The owner is the domain or website that places the cookies on your device. When you visit our website, cookies may be placed on your device by network.nl and also by other domains or websites (known as third party cookies). ING Direct NL cookies will show the ING Direct domain name within the cookie. Cookies placed on your device by third parties when you visit our website, for example by our advertising affiliates, will contain the third parties' own domain name, rather than ours.

Cookie settings

To comply with the E-Privacy Regulations, we need to ask for your agreement to set cookies when you visit our website. When you first visit our website, a box will appear asking you to either agree to ("I agree") or reject ("No thanks") the cookies we set on our website. These cookies are both ING Direct NL cookies and third party cookies (see "Cookies explained" above for further information).

If you click "No Thanks":

If you reject cookies from our website by clicking on the "No thanks" button, we will not set any further ING Direct NL or third party cookies on your device, except as follows:

  • We will set the applicable "Strictly necessary cookies" detailed below (including a cookie to remember that you don't want any cookies set when you visit our website);
  • If you have already ticked or subsequently tick the "Remember me" box on our customer logon page (see "Functionality cookies" below for more details), a cookie will remember your customer number.

If you wish to delete the cookies that are automatically set when you first enter our website (see "Important information" above), please see "How to reject or delete cookies using your browser" below.

Please note that if you reject or delete cookies from our website, some features of our website such as moving back and forth within a secure banking session, will not function as a result and you may not therefore be able to access or use all or certain parts of our website.

You can change your cookie preference at any time by visiting our "Cookies settings" corner or by clicking on the "I agree" button in the "Provide or change your cookies settings for network.nl" section below.

If you click "I agree":

If you agree to cookies from our website by clicking on the "I agree" button, we will set cookies on your device. However, you may withdraw your consent at any time by clicking on the "No thanks" button in the "Provide or change your cookies settings for network.nl" section below.

If you wish to delete the cookies we have set on your device, please see "How to reject or delete cookies using your browser" below.

If you do nothing:

If you wish to delete the cookies we have set on your device, please see "How to reject or delete cookies using your browser" below.

Please note, you are able to indicate your cookie preference at any time by clicking on the relevant button in the "Provide or change your cookies setting" below or by visiting our "Cookie settings" corner.

Provide or change your cookie settings

If you have not indicated your cookie preference for our website and would like to do so, or if you would like to change your cookies settings for our website, please click on the relevant button below:

Do you agree to cookies from our website?

I agree to cookies
No thanks to cookies


Cookies used on our website

The cookies used on our website are categorised in accordance with the International Chamber of Commerce Cookie guide as follows:

Strictly necessary cookies
Performance cookies
Functionality cookies

We do not use targeting or behavioural advertising cookies on our website (e.g. cookies that track you across multiple websites and target advertising to you according to your interests).

Strictly necessary cookies

'Strictly necessary' cookies are essential for you to use our website. These cookies allow you to move freely around our website and to use secure areas of our website such as the online banking and account management pages. Without these cookies, the services that you have asked for cannot be provided. These cookies don't gather any information about you that could be used for marketing or advertising purposes or remember where you've been on the internet.

We will set the applicable strictly necessary cookies when you visit our website (even if you have chosen to reject cookies from our website by clicking "No thanks"), because you will not be able to use our website properly without them. If you do not agree to these cookies being set, please do not use our website.

For details of how to delete strictly necessary cookies from your device, please see "How to reject or delete cookies using your browser" below.

We use the following strictly necessary cookies on our website:

Cookie Description   Example Cookies   Nature and Purpose of Cookies   What would happen if we didn't set these cookies ?  
Session management/ Customer logon (ING Direct NL cookies)   JSESSIONID
ASPSESSIONID
NAME
  These cookies enable us to manage our website response time effectively and provide a better service to you. These cookies are also set when you logon to allow you to perform multiple actions within the same website visit without having to repeatedly enter your logon details.

These cookies typically expire at the end of your session (i.e. when you leave our website).
  We would be unable to manage our website effectively, web pages will be slower to load, website performance would be impaired and you would have to re-validate every time you navigated to a new web page or performed a new function.  
Mobile detection (ING Direct NL cookie)   mobileredirect   If you wish to visit our desktop website (network.nl) from a mobile handset, this cookie is set to remember this preference and to allow you to access our desktop website from your mobile.

This cookie will expire 24 hours after you have visited our desktop website.
  You would not be able to visit our desktop website from a mobile handset.  
Cookie acceptance (ING Direct NL cookie)     This cookie is set to remember your cookie preferences (see "Cookie settings" above).   We would not be able to remember your cookie preferences you would repeatedly be asked to provide your cookie preferences again.  

Performance cookies

'Performance' cookies collect information about how you use our website e.g. which pages you visit and if you experience any errors. These cookies don't collect any information that could identify you - all the information collected is anonymous and is only used to help us improve how our website works, understand what interests our website users, and measure how effective our advertising is.

We use performance cookies to...

  • Compile statistics on how our website is used;
  • Check how successful our adverts are (we don't use this information to target adverts to you when you visit other websites);
  • Provide feedback to advertising affiliates (i.e. operators of websites that we advertise on) on the number of visitors to our website that have come from their website(s). This can include details of the number of accounts opened on our website by visitors that have come from advertising affiliates' website(s). We don't allow our advertising affiliates to re-use this information for marketing or advertising purposes;
  • Help us improve our website by measuring any errors that occur.

We use the following performance cookies on our website:

Cookie Description   Example Cookies   Nature and Purpose of Cookies   What will happen if you reject or delete these cookies?  
Analytics (ING Direct NL and third party cookies)   _utma
_utmb
_utmc
_utmz
  These cookies track user behaviour on our website (e.g. by counting the number of visitors to our website and seeing how visitors move around our website) to help us to improve the website content and the user experience on our website.

These cookies typically expire at the end of your session (i.e. when you leave our website).
  We will not be able to learn how users utilise network.nl and our ability to improve our website will be impaired.  
User ID (ING Direct NL and third party cookies)   sessionguid   These cookies enable us to track visitors to our website back to our advertising affiliates.

These cookies typically expire after 30 days.
  We will be unable to accurately track how many customers our advertising affiliates introduce to us.  
Advertising tracking (Third party cookies)   id
ug
  These cookies enable our advertising affiliates to track visitors to our website.

These cookies typically expire after 30 days.
  We will be unable to accurately track how effective our advertising is.  

Some of our performance cookies are managed for us by third parties, or the information is collected by, shared with or stored by third parties. Where this is the case, we don't allow those third parties to use the cookies or the information collected for any purposes other than those set out above. For more information please see "Third party providers and websites" below.

Functionality cookies

'Functionality' cookies are used to provide the services you have requested or to remember your settings to improve your visit to our website.

We use 'Functionality' cookies to...

  • Remember your preferences for storing your customer number;
  • Test different designs of our website;
  • Remember if we have already asked you to fill in a survey.

Functionality cookies will not be used to target you with adverts when you visit other websites.

We use the following functionality cookies on our website:

Cookie Description   Example Cookies   Nature and Purpose of Cookies   What will happen if you reject or delete these cookies?  
Remember me (ING Direct cookies)     These cookies remember your preferences and your customer number if you tick the "remember me" box on our customer logon page of website.

These cookies will expire when you untick the "remember me" box.
  We will be unable to remember your website preferences and customer number for logon purposes.  
Multi Variant Testing (Third party cookies)   ASP.NET_SessionId
__MegaShield[tm]
  These cookies allow us to manage and control variations of website pages and understand which pages are most successful.

These cookies typically expire after 30 days.
  You may see two different versions of the same website page at different times.  
Customer survey (Third party cookies)   cookieenabledcheck
INGDirect_survey_
  These cookies remember if you have been offered an online survey to fill in, and if you have, ensure that we do not keep offering this to you.

These cookies typically expire after 30 days.
  You may be offered a survey multiple times.  

Some of our functionality cookies are managed for us by third parties, or the information is collected by, shared with or stored by third parties. Where this is the case, we don't allow those third parties to use the cookies or the information collected for any purposes other than those set out above. For more information please see "Third party providers and websites" below.

Third party providers and websites

We work with third party providers to maintain and improve our website. We may share information collected by cookies with these providers or allow these providers to collect or store cookie information on our behalf. We seek to ensure that all the providers we work with comply with all applicable data protection laws and requirements. We will not share any of your personal information with these third party providers.

We do not set ING Direct NL cookies on any third party websites. We do however advertise ING Direct NL products and services on third party websites (see the "Performance cookies" section above for more details). Please note we have no control over and are not responsible for the cookies that are set on any third party websites that you may visit, including the websites of any of our advertising affiliates. If you would like more information about the cookies used on third party websites or if you would like to reject or delete cookies from any third party website, please refer to the privacy policy or cookies information on the relevant website.

How to reject or delete cookies using your browser

You can set your internet browser either to reject all cookies, to only allow "trusted" websites to set them, or to only accept cookies from the website which you are currently visiting. You can also set your browser to prompt you each time a cookie is offered.

In addition, you can set your browser to delete all or some of the cookies that are currently held on your device. Please note that if you delete our cookies, some features and areas of our website, such as remembering your login details, may not function or work properly as a result.

For comprehensive information about how to reject or delete cookies using your browser please visit www.aboutcookies.org

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