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Policy in respect of the cookies processing in Belarusbank

1. Belarusbank (hereinafter referred to as the Bank) uses cookies to improve the functionality of its official website (www.belarusbank.by), (hereinafter referred to in this application as the Bank's website), the Bank's landing pages, the Internet Banking system(https://ibank.asb.by/), the Client-Bank (WEB) software system (https://icb.asb.by/), the Service Desk (https://itsm.asb.by/), the Pupil's Card software system and the Student Card (WEB) software system (https://students.asb.by/), the Webim built-in chat provided by WEBIM.RU LLC **, the Men's Club Software (https://m-club.asb.by/), the Pinbox software (a system for managing information about the Bank in digital mapping and review services), in implementing QR filtering of negative reviews on the Bank's website.

The Bank responsibly treats the data that users provide while visiting its corporate website. When visiting the Bank's website, any user may consent to or reject the usage of cookies.

The Bank does not use cookies to identify personal data subjects.

2. What are cookies?

2.1. Cookies are small pieces of data sent by a web server and stored on the user's device. The web client (usually a web browser) sends this piece of data to the web server every time it tries to open a corresponding website page.

2.2. Cookies help the Bank to save user preferences, track the overall dynamics of interaction with the Bank's website and improve the user experience in the future.

2.3. Users can configure their devices in such a way so that they automatically accept all cookies, or warn each time the Bank's website tries to write its cookie to the user's hard drive, or not accept any cookies at all.

3. Which cookies are used on the Bank's website?

3.1. The Bank's website uses both session and persistent cookies. Session cookies are stored temporarily until the user closes the browser. Persistent cookies are stored even after the browser is closed until the user prohibits their storage through browser settings.

3.2. The Bank's website uses the following types of cookies.

functionality cookies:: these cookies allow to improve user interaction with the Bank's website. Due to them, the settings are saved (choice of parameters) made by the user during their session on the website. For example, the language version of the Bank's website preferable for the user to work with;

- performance cookies (cookies for Yandex and Google analytics, the TikTok Pixel analytics tool): these cookies gather data on how visitors use the Bank's website and help to understand their areas of interest, as well as statistically measure the effectiveness of the information presented on the Bank's website.
The information on the manner of user interaction with the Bank's website can be used in analytic systems accounts of Google Analytics and Yandex.Metrica, the TikTok Pixel analytics tool, providing to the bank anonymous information on statistics, to compile generalized statistics on user interaction with the Bank's website in order to improve the functioning of the Bank's website, improve the Bank's products and services and provide more relevant information about them, analyze user preferences to develop more profitable and interesting offers in the future, the number of users visiting the Bank's website;

cookies for gathering Yandex analytics: the Bank's website uses Yandex.Metrica analytics tools provided by YANDEX Limited Liability Company (Yandex). The information collected by cookies can help the Bank improve the operation of its website. Yandex processes this information to evaluate the user experience while using the Bank's website, to compile reports for the Bank on the functionalities of the corporate website. Yandex processes this information pursuant to the procedure established in the terms and conditions of use of the Yandex.Metrica service;


- cookies for Google analytics: these files collect anonymous statistics on user interaction with the Bank's website. The Bank uses the data obtained for internal research to enhance usability of the website, improve products and services so as to provide more relevant information to users.

3.3. The Bank's website uses the Yandex Webvisor analysis tool, which records randomly selected visits (only using an anonymous IP address). Thus, the reports consist of mouse movements, clicks and keyboard usage, which allow to visualize the display of individual visits to the website in the form of so-called session plays and evaluate them through heat maps. These actions are aimed at making potential improvements on this page. The data collected by the Webvisor is not personal data and is not transferred to third parties.

3.4.  Users of the Bank's website have the opportunity to reject the usage of cookies for analytical and marketing purposes. This can be done by configuring the privacy settings in your web browser or by following the instructions to deactivate the relevant services that are available at the following links:

– Yandex Metrica – https://yandex.ru/support/metrica/ru/technologies/ cookies Яндекс;
– Google Analytics – https://support.google.com/analytics/answer/ 11397207?hl=ru Google Support;
– TikTok – up-to-date instructions for managing cookies and personalized ads are available in the privacy settings of your TikTok account and on the official website of the platform.

3.5. The Bank's website uses Google Analytics with an extension for anonymous collection of IP addresses (the so-called IP masking) and uses the collected information to evaluate the user experience while using the website, to create summary reports on the functionalities of the website and to provide other services related to the use of the website. The IP address sent by the user's browser in connection with using Google Analytics is not associated with other Google data;

essential cookies: this type of cookies is required to ensure the functioning of the Bank's website, as well as other systems and software packages, and is not subject to deactivation. It is necessary to view the contents of the Bank's website (software package) and gain access to its functionality. Such user data is not transmitted to third-party analytical systems.

We hereby inform you that anonymous user data gathered through the above cookies is used solely for the purpose of improving the quality of user interaction with the Bank's website *(software system)* and does not envisage identification of individuals. Users can manage such data at their own discretion.

3.6. TikTok Pixel cookies.

TikTok Pixel –is an analytics and advertising tool provided by TikTok Technology Limited (and affiliates including TikTok Pte. Ltd. and TikTok Inc.). The pixel is a small piece of code installed on the Bank's website that allows to collect information about user actions (browsing, adding goods to the cart, ordering, etc.) after switching to TikTok ads. This data is used to measure the effectiveness of TikTok advertising campaigns, optimize ad delivery, analyze audience behavior, and build user and look-alike audiences.

4. Cross-border transfer of personal data.

4.1. The Bank assigns cookie processing to the following companies:

Google Inc. (registered address: 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA);

Yandex LLC (registered address: 16 Tolstoy St., Moscow, 119021 , Russian Federation).

WEBIM.RU LLC (registered address: 53 Bogatyrskiy Ave, building 3, office 64, 197372, Saint Petersburg, Russian Federation);

1C-Bitrix” Website Management LLC (legal address: room 8-19, 13 floor, 2 Entuziastov Boulevard, Moscow, 109544, Russian Federation) 

Pinbox LLC (registered address: room 47-n, lit. A, Sverdlovskaya embankment 58, St. Petersburg, 195027, Russian Federation);

TikTok (registered address: 1 Raffles Quay, #26-10, South Tower, Singapore 048583).

Cross-border transfer of information collected through the use of cookies is carried out to these companies in order to provide information and analytical services to the Bank (Google Inc., Yandex LLC), analyze cases of software inoperability as part of software technical support for the online consulting service (WEBIM.RU LLC), ensure the correct functioning of the website on the 1C-Bitrix platform (1C-Bitrix LLC), ensure the correct operation of the negative review QR filtering functionality on the Bank's website (Pinbox LLC), keep track of user actions on the Bank's website in order to measure the effectiveness of advertising, optimize advertising campaigns and set up targeting (TikTok) based on user consent.

At the same time, the entity specified in paragraph two of the first part of this subclause has a registered address in the United States, on the territory of which no appropriate level of protection of the rights of personal data subjects is ensured. The list of foreign states in the territory of which the appropriate level of protection of the rights of personal data subjects is ensured is determined by the National Personal Data Protection Center. **The company specified in paragraph seven of the first part of this clause has a registered address in Singapore, in the territory of which no appropriate level of protection of the rights of personal data subjects is ensured.

5. Which cookies are used by the Client-bank WEB software system?

Essential cookies: preventing cross-site request forgery (XSRF/CSRF) attacks in ASP.NET Core, using authentication cookies.

6. Which cookies are used by the Internet Banking system?

Essential cookies : updating cached resources, using cookies to store the device ID, store session and meta information, and encrypt user data.

7. Which cookies are used by Service Desk?

Essential cookies storing and identifying a unique user session identifier for managing user sessions on the Bank's website, determining the user's operating mode, and memorizing the language settings selected by the user.

8.Which cookies are used by the Internet Bank for Legal Entities software module?

Cookies are not used.

9.Which cookies are used by the Pupil's Card software system (WEB)?

Essential cookies: to prevent cross-network request forgery attacks, authentication cookies, cookies developed by the Bank for website search.

10.Which cookies are used by the Student Card software system?

Essential cookies: to prevent cross-network request forgery attacks, authentication cookies, cookies developed by the Bank for website search.

10-1. Which cookies are used by the Men's Club software system?
Essential cookies: to prevent cross-network request forgery attacks, authentication cookies, cookies used for session data storage.

10-2. Which cookies are used by the Pinbox
software (the system for managing information about the Bank in digital mapping services and review services) in implementing QR filtering of negative reviews on the Bank's website?
Essential cookies: to prevent artificial increasing of QR statistics due to repeated actions of one user.

11.Which cookies are used by the embedded Webim chat provided by Webim.RU LLC?

Essential cookies: used to authorize user actions, determine the interface language, determine the status of the operator, and track links that the user visits while communicating with the operator.

12. Possibility of managing cookies

Cookies can be managed independently. The browser and/or device used by the user may allow blocking, deleting or otherwise restricting the use of cookies. To get detailed information about cookies management, we recommend using the instructions provided by the developers of the browser or the device.

Users can allow or reject all cookies processed on the website, except for strictly essential ones. Correct operation of the website is only possible when essential cookies are enabled.

13. Setting up the processing of cookies on the Bank's website and its landing pages.

13.1. Essential cookies.

This type of cookies is required to ensure the operation of the Bank's website, it is necessary to view the contents of the Bank's website and access its functionality and cannot be disabled. Such user data is not transmitted to third-party analytical systems.

Name

Domain

Description

Storage time

PHPSESSID

belarusbank.by

This cookie is native to PHP applications. The cookie stores and identifies a unique user session ID to manage user sessions on the Bank's website. The cookie file is session-based and will be deleted when all browser windows are closed.

Session

Userid

belarusbank.by

 

1 year

check

belarusbank.by

To display notifications correctly

1 day

BX_USER_ID

belarusbank.by

To store information about the unique identifier of an unauthorized user of the Bank's website

1 year

13.2. Functionality cookies.

Enable to provide individual experience of using the Bank's website and are installed as response to user actions. For instance, the choice of the visually-impaired version and language selection. This type of cookies is not stored on the Bank website's servers, is not used except for the correct display of information to the users of the Bank's website and is not transmitted to third parties.

Name

Domain

Description

Storage time

cookieApprove

belarusbank.by

To allow the use of functionality cookies

1 year

cookieAnalytics

belarusbank.by

To allow the use of analytical cookies

1 year

lang

belarusbank.by

To save the language setting selected by the user

1 year

see

belarusbank.by

To save the website version setting selected by the user

1 year

bitrix_sm_accept_cookie_func = true

belarusbank.by

To allow the use of functionality cookies

1 year

bitrix_sm_accept_cookie_analit true

belarusbank.by

To allow the use of analytical cookies

1 year

bitrix_sm_accept_all_cookie

belarusbank.by

To allow the use of all cookies.

1 year

bitrix_sm_dismiss_cookie = true

belarusbank.by

To reject all cookies

1 year

13.3. Cookies for Yandex and Google analytics , TikTok's Pixel analytics tool.[1]

[1] The types and periods of file storage are determined independently by web analytics platforms (Google Analytics and Yandex.Metrica) , TikTok) and may change.

These files collect anonymous statistics on user interaction with the Bank's website. The Bank uses the data obtained for internal research to enhance the usability of the Bank's website, improve products and services in order to provide more relevant information to users.

Name

Domain

Description

Storage time

_gid

.belarusbank.by

Google Analytics sets this cookie to store information about how visitors use the Bank's website, as well as to generate an analytical report on the website operation. Some of the data collected includes the number of visitors, their source, and the pages they visit anonymously

1 year 1 month 4 days

_ga

.belarusbank.by

Google Analytics sets this cookie to calculate data about visitors, sessions and campaigns, as well as to track website usage to generate the Bank website's analytical report. The cookie file stores information anonymously and assigns a randomly generated number to recognize unique visitors

1 year 1 month 4 days

i

.yandex.ru

This cookie is set by OpenX to record anonymous user data, such as IP address, geographical location, visited websites, advertisements that the user clicks on, etc., to display relevant advertisements

1 year 1 month 4 days

yandexuid

.yandex.ru

Yandex sets this cookie to identify users and collects information about how visitors use the Bank's website, which is utilized for internal analysis and the Bank's website optimization

1 year 1 month 4 days

_gat

.belarusbank.by

Google Universal Analytics sets this cookie to limit the frequency of demands and thus limit the collection of data on high-traffic websites

1 minute

_ga_x

.belarusbank.by

Google Analytics sets this cookie to store and calculate page views

1 year 1 month 4 days

_gcl_au

.belarusbank.by

Google Tag Manager sets cookies to test the effectiveness of advertising on websites using their services.

3 months

_dc_gtm_UA-x

.belarusbank.by

Google Analytics sets this cookie to download the Google Analytics script tag

1 minute

_ym_uid

.belarusbank.by

Yandex sets this cookie to identify the Bank's website users

1 year

_ym_d

.belarusbank.by

Yandex sets this cookie to store the date of the user's first session on the Bank's website

1 year

test_cookie

.doubleclick.net

doubleclick.net sets this cookie to determine whether the user's browser supports cookies

15 minutes

sync_cookie_csrf

.mc.yandex.com

This cookie is set by Yandex.Metrica and is used to monitor the connection to the Bank's website and third-party data management platforms. The cookie also collects information about user behavior on the Bank's website, which is used to optimize the website

10 minutes

i

.yandex.com

This cookie is set by OpenX to record anonymous user data, such as IP address, geographical location, visited websites, advertisements that the user clicks on, etc., to display relevant advertisements

1 year 1 month 4 days

yandexuid

.yandex.com

Yandex sets this cookie to identify users and collects information about how visitors use the Bank's website, which is utilized for internal analysis and the Bank's website optimization

1 year 1 month 4 days

sync_cookie_csrf

.mc.yandex.by

This cookie is set by Yandex.Metrica and is used to monitor the connection to the Bank's website and third-party data management platforms. The cookie also collects information about user behavior on the Bank's website, which is used to optimize the website

10 minutes

remixlang

.vk.com

This cookie is set by the provider vk.com and is used for advertising purposes

1 year

remixstlid

.vk.com

They are used for the possibility of showing advertisements on the social network vk.com

1 year

_gat_gtag_UA_x

.belarusbank.by

Google Analytics sets this cookie to store a unique user ID

1 minute

FTID

.mail.ru

It allows to distinguish between users

1 year

_ym_isad

.belarusbank.by

Yandex sets this cookie to determine if a visitor has ad blockers

20 hours

sync_cookie_csrf

.mc.yandex.ru

This cookie is set by Yandex.Metrica and is used to monitor the connection to the Bank's website and third-party data management platforms. The cookie also collects information about user behavior on the Bank's website, which is used to optimize the website

10 minutes

tmr_lvid

.belarusbank.by

The VKontakte cookie is used to track user interaction with the Bank's website

11 months

tmr_lvidTS

.belarusbank.by

The VKontakte cookie is used to track user interaction with the Bank's website

11 months

_fbp

.belarusbank.by

Facebook sets this cookie to display advertisements on Facebook or on a digital platform based on Facebook advertisements after visiting the Bank's website

3 months

VID

.mail.ru

It allows to distinguish between users

1 year

yandexuid

.yandex.by

Yandex sets this cookie to identify users and collects information about how visitors use the Bank's website, which is utilized for internal analysis and the Bank's website optimization

1 year 1 month 4 days

yuidss

.yandex.by

Yandex stores this cookie in the user's browser to recognize the visitor

1 year 1 month 4 days

i

.yandex.by

This cookie is set by OpenX to record anonymous user data, such as IP address, geographical location, visited websites, advertisements that the user clicks on, etc., to display relevant advertisements

1 year 1 month 4 days

sync_cookie_ok

.mc.yandex.by

This cookie is set by the WebVisor provider and is used for marketing purposes

1 day

yuidss

.yandex.com

Yandex stores this cookie in the user's browser to recognize the visitor

1 year 1 month 4 days

yp

.yandex.com

Yandex sets this cookie to collect anonymous information about user navigation, determine the origin of visits and other statistical data

1 year 1 month 4 days

ymex

.yandex.com

Yandex sets this cookie to collect information about user behavior on the Bank's website. This information is used to analyze the website and optimize it

1 year

sync_cookie_ok

.mc.yandex.com

This cookie is set by the WebVisor provider and is used for marketing purposes

1 day

bh

.yandex.com

It allows to distinguish between users

1 day

yabs-sid

mc.yandex.com

Yandex sets this cookie to store the session ID

Session

metrika_enabled

belarusbank.by

It registers data about the behavior of the Bank's website visitors

Session

_ym_visorc

.belarusbank.by

Yandex sets this cookie to ensure that the Bank's website session replay works correctly

1 hour

_yasc

.yandex.ru

This cookie allows to calculate the number of visitors and traffic sources in order to evaluate and improve the performance of the Bank's website.

10 years

_ttp

belarusbank.by

To measure and improve the effectiveness of advertising campaigns and personalize customer interactions (including advertising) on TikTok

13 months

_ttp

.tiktok.com

To measure and improve the effectiveness of advertising campaigns and personalize customer interactions (including advertising) on TikTok

13 months

ttcsid_, ttcsid_ (код пикселя)

belarusbank.by

To measure and improve the effectiveness of advertising campaigns and personalize customer interactions (including advertising) on TikTok

13 months

ttclid

belarusbank.by

To measure and improve the effectiveness of advertising campaigns and personalize customer interactions (including advertising) on TikTok

13 months

_pangle

analytics.pangle-ads.com

To measure and improve the effectiveness of your advertising campaigns and personalize customer interactions with advertisements on the TikTok Pangle advertising network

13 months

13.4.Processing cookies of the Internet banking system for individuals (https://ibank.asb.by/), the Client-bank WEB system for legal entities (https://icb.asb.by/), the Service Desk (https://itsm.asb.by/), the Internet Bank for Legal Entities software module (https://dcsc.belarusbank.by/), the Pupil's Card software system (WEB) (https://s-card.asb.by), the Student Card software system (https://s-card.asb.by/un), the Webim built-in chat , the Men's Club software (https://m-club.asb.by/), the Pinbox software (system for managing information about the Bank in digital mapping services and review services), in implementing QR filtering of negative reviews on the Bank's website.

Resource

Name

Domain

Type of cookie file

Description

Storage time

Client-Bank WEB

(https://icb.asb.by)

.AspNetCore. Antiforgery*

icb.asb.by

Essential

Vendor: Microsoft. Purpose: to prevent cross-site request forgery (XSRF/CSRF) attacks in ASP.NET Core

Session

.AspNetCore. Cookies

icb.asb.by

Essential

Vendor: Microsoft. Purpose: authentication cookies

Session

.MyApp.Session

icb.asb.by

Essential

Vendor: ASB. Purpose: additional authentication cookies developed by the Bank

Session

oxxfgh

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention.Purpose: used for secure storage of the session ID

1 hour

oxxLS

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention. Purpose: used for secure storage of the session ID

1 hour

uwyii

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention. Purpose: used for secure storage of the session ID

400 days

Internet banking for individuals

(https://ibank.asb.by)

DigestTracker

ibank.asb.by

Essential

Vendor: IBM.

Purpose: allows to fully update cached resources. This cookie does not track personal information and is only used to cancel the cache. It is installed when viewing anonymous portal pages

Session

uwyii

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention.

Purpose: device ID storage

400 days

oxxfgh

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention.

Purpose: session ID and meta information storage

<1 hour

vfdq

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention.

Purpose: auxiliary cookie for collecting information by script

Session

oxxLS

.asb.by

Essential

Vendor: Kaspersky Fraud Prevention.

Purpose: user session ID storage

<1 hour

uwyiert

.ibank.asb.by

Essential

Vendor: Kaspersky Fraud Prevention.

Purpose: used for secure storage of the session ID

400 days

JSESSIONID

ibank.asb.by

Essential

Vendor: IBM.

Purpose: cookie containing the user session ID. It is used to maintain the state of the user's session. If the session time expires or the cookie is deleted, the user logs out

Session

 

LtpaToken2

ibank.asb.by

Essential

Vendor: IBM.

Purpose: cookie for user data encryption

Session

das_d_tag2

.fp.kaspersky-labs.com

Essential

Vendor: Kaspersky Fraud Prevention.

Purpose: auxiliary cookie for device identification

400 days

Service Desk

(https://itsm.asb.by)

JSESSIONID

itsm.asb.by

Essential

This cookie is native to JS applications. The cookie stores and identifies a unique user session ID to manage user sessions on the Bank's website.

Session

mode

itsm.asb.by

Essential

Defines the user's operating mode

Session

Internet bank for legal entities

(https://dcsc.belarusbank.by)

Cookies are not used

Pupil's card

(https://s-card.asb.by)

.AspNetCore. Antiforgery*

s-card.asb.by

Essential

Vendor: Microsoft.

Purpose: to prevent cross-site request forgery (XSRF/CSRF) attacks in ASP.NET Core

Session

 

.AspNetCore. Cookies

s-card.asb.by

Essential

Provider: Microsoft

Purpose: authentication cookies

Session

 

.ScApp.Session

s-card.asb.by

Essential

Vendor: ASB.

Purpose: additional authentication cookies developed by the Bank

Session

 

search

s-card.asb.by

Essential

Vendor: ASB.

Purpose: an additional cookie developed by the Bank for searching on the Bank's website

Session

Student Card  
(https://students.asb.by/)
.AspNetCore. Antiforgery* s-card.asb.by/un Essential Vendor: Microsoft.
Purpose: to prevent cross-site request forgery (XSRF/CSRF) attacks in ASP.NET Core
Session
  .UnApp.Cookie s-card.asb.by/un Essential Vendor: Microsoft.
Purpose: authentication cookies
Session
  .UnApp.Session s-card.asb.by/un Essential Vendor: ASB.
Purpose: additional authentication cookies developed by the Bank
Session
  search_un s-card.asb.by/un Essential Vendor: ASB.
Purpose: an additional cookie developed by the Bank for searching on the Bank's website
Session
Built-in Webim chat provided by Webim.RU LLC Webim_auth_token asbchat.asb.by Essential It is used to authorize user actions. It is necessary for the functioning of the basic elements of the Information System 1 year
  Webim_device_id asbchat.asb.by Essential It is used to identify users (devices). It is necessary for the functioning of the basic elements of the Information System 1 year
  Webim_locale asbchat.asb.by Essential It is used to determine the interface language. It is necessary to ensure the multilingualism of the Information System interface 1000 days
  Webim_online asbchat.asb.by Essential It is used to determine the operator's status. It is necessary for correct operation of the distribution of requests to operators in the Information System 1 year
  Webim_status_ from_login asbchat.asb.by Essential It is used to determine the operator's status after authentication. It is necessary for correct operation of the distribution of requests to operators in the Information System 1 year
  Webim_url, Webim_referal, Webim_landing asbchat.asb.by Essential It is used for tracking the links that the user visits while communicating with the operator (within the specified resource). It is necessary as an auxiliary element of the IS chat on the operator's side 1 year
 
Men's Club software https://m-club.asb.by/ .AspNetCore. Antiforgery* m-club.asb.by/ Essential Vendor: Microsoft. Purpose: to prevent cross-site request forgery (XSRF/CSRF) attacks in ASP.NET Core Session
 
  refreshToken m-club.asb.by/ Essential Allows the user to remain authorized for the lifetime of the token 10 min
 
  jwtToken m-club.asb.by/ Essential Used to personalize user interaction 5 min
 
The Pinbox software (the system for managing information about the Bank in digital mapping and review services) in implementing QR filtering of negative reviews on the Bank's website qrstat pinbox.ru/ Essential To prevent artificial increasing of QR statistics due to repeated actions of one user 1 hour
 

14.Rejecting the processing of the user data transmitted by cookies.

Before rejecting the processing of the user data transmitted by cookies by disabling them in browser settings, we suggest carefully weighing all the pros and cons of such a solution.

Cookies are small pieces of data stored on the user's computer to account for personal settings and user preferences, as well as to maintain statistics on user experience when working with a specific website.

When analyzing statistics, the Bank's website receives only generalized data from analytical systems. The latter do not provide any information regarding the specific personal data of the user that allows identifying such user as an individual: no first name, no last name, no other identification data.

Disabling the use of cookies can lead to a lot of inconveniences, since the Bank's website or its individual modules may display incorrect data or work incorrectly.

If you wish to stop using cookies, please disable cookies in your browser settings. For this purpose, we suggest using the following links to official sources: