ABBL Website Cookie Policy

1. Cookie policy

The ABBL website uses cookies. Cookies are small text files placed on your devices by the sites that you visit. They are generally used to enable internet sites to run more efficiently and to provide information to site owners.

Cookies are generally stored on your computer’s hard drive. The ABBL uses the information collected with cookies to assess the efficiency of its site. The information collected using cookies enables it to identify the most frequently visited parts of its site and any difficulties experienced by users when accessing it. With this information, the ABBL can improve the quality of your experience on its site, provide more features and information, and also resolve difficulties with access.

The ABBL uses third-party service providers to help it better understand how its site is used and they may place cookies on your computer’s hard drive.

If you want to prevent the use of cookies, you can disable cookies in your browser or on your device. However, disabling cookies may prevent you from using some of the ABBL site’s features or its services.

2. General information

This charter for the use of cookies (the “Charter“) applies to any user (“you” or the “User“) of the website accessible at the address https://www.abbl.lu (the “Website“) run by the Association des Banques et Banquiers, Luxembourg, having its registered office at 12, rue Erasme, L-1468 Luxembourg and registered with the Luxembourg Trade and Companies Register under number F352 (hereinafter the “ABBL“or “we“).

The ABBL website uses cookies. Below we present how and why we use cookies on the Website, in full transparency.

3. What cookies do we use and for what purposes?

We use both session cookies and persistent cookies on our Website. These two categories of cookies are deposited by the website in the place provided for this purpose on the User’s terminal. They contain, in particular, the name of the server that created it, a name and a value as well as an expiry date. They may contain a unique identifier that allows the site to recognise the User’s terminal on each visit.

Each cookie therefore has different characteristics (responsible – cc for internal cookies or other for external cookies – name, purpose, expiry date) which are detailed in the list below.

Necessary (5)

Necessary cookies help to make a website usable by enabling basic functions such as configuring user settings through page requests, accessing secure areas of the website, displaying dynamic content and requesting registration for a service or participation in an event. As the website cannot function properly without these cookies, they must be installed and do not require your consent.

Statistics (8)

Statistical cookies, deposited subject to your prior agreement, help the ABBL, owner of the website, by collecting, analysing and communicating aggregate information (e.g. number of visits, duration of visits, most visited pages/sections), to understand how you interact with the website, to evaluate the efficiency of the latter and to determine any difficulties you may encounter in accessing it. These cookies therefore allow us to make statistical analyses of the use that users make of our website, which we use to constantly improve the quality of our services, resolve access problems and provide more functionality, in order to offer you the best possible user experience.

Marketing (10)

Marketing cookies ‑ which are placed with your prior consent ‑ are used to track users and their browsing habits (e.g. sites visited, login times, sections and products viewed) across websites (i.e. beyond this website) and store the resulting data on their behaviour and interests. In addition, these cookies integrate social networks with our website and allow you to like or share content on social networks.

4.Third party cookies

The ABBL has recourse to third-party service providers, in particular to help it better understand the use of the Website and improve its services, which may place cookies on the hard disk of your terminal. For example, the Website includes content hosted outside the www.cc.lu domain by third-party service providers (such as the newsletter registration form, content sharing buttons on social networks or videos from other platforms such as YouTube), which cannot function without the deposit of third-party cookies

For example, information about your use of the Website may be shared with our social media, advertising and analytics partners, who may combine this with other information you have provided to them or that they have collected through your use of their services.

Please note that the services provided by these third-party providers are beyond the control of the ABBL, and that we are not responsible for the use made by these providers of the information collected when you use their services (e.g. when you click on the buttons allowing you to share content of the Website on social networks). To find out more about how these partners may use your personal data, please consult their privacy policy and their cookies charter.

5. Analysis

In order to adapt the Website to the needs of visitors and to be able to keep it up to date, we keep track of the pages and links of the Website visited in order to establish statistics.

We also analyse log data from time to time to ensure the security and proper functioning of the Website.

Log data is kept for a maximum of twelve months from the date of collection.

Cookies also allow us to carry out this analysis, these are “analysis cookies” or “statistical cookies” which are limited to recording your activity on the Website and are only used in order to improve the offering of the Website (details concerning these cookies can be found above in the section “What cookies do we use and for what purposes?).

6. What are your rights?

When you first visit the Website, a cookie banner is displayed to allow you to read the Charter and to choose whether or not to accept or refuse ‑ in whole or in part ‑ the use of internal and external cookies by our Website as detailed above.

The banner will remain visible until you choose one of the options. Please note that during this time you cannot continue your visit to our website.

You can modify or withdraw your consent to the use of cookies at any time via the cookies banner, or by configuring your browser settings to refuse cookies.

You can also disable cookies at any time from your browser settings. If you wish to delete the cookies stored on your terminal and set your browser to refuse them, you can do so via the preferences of your internet browser.

These browser options relating to cookies are usually found in the “Options”, “Tools” or “Preferences” menus of the browser you are using to access the Website.

However, depending on the different browsers in use, different ways may be used to disable cookies.

Please note that if you refuse, from your browser, the saving of cookies on your terminal, you will still be able to browse the Website. However, certain features of the Site may be severely limited or disabled altogether as a result.

When you refuse the use of cookies, you will be redirected to a page on our website, where you can set your cookie settings. The setting will only be possible for non-essential cookies.

If you delete, block or disable cookies at any time through your browser settings, please note that some or all of the features of our website and services may not function properly depending on your choice (or may simply require you to re-enter information previously provided when you revisit our website). The ABBL cannot be held responsible for the malfunction or interruption of this website due to the rejection or deletion of cookies necessary for its proper functioning.

In addition to the rights described in this charter, you have the rights described in the ABBL’s Privacy Policy.

If you have any further questions about the ABBL’s use of cookies, please do not hesitate to contact us by e-mail (data.protection@abbl.lu).

7. Retention period

The ABBL will keep data collected via cookies for a maximum period of 12 months for the purposes for which they are collected and processed (more details can be found above in the section “What cookies do we use and for what purposes?).

8. Updating the Cookie Policy

The ABBL reserves the right to replace or amend this policy at any time without prior notice.  The latest version applicable will be the version published on the Website.