Cookie and Tracking Policy Cookie and Tracking Policy

When you visit our digital presences, certain details of your visit are automatically recorded (e.g. your IP address, the website you are visiting us from and the website you are visiting, including the date and duration of your visit; hereinafter referred to as “tracking data”). This tracking data is used to optimise the offering on our communication channels, in particular on our websites and in our mobile applications, and provide information on how you find out about our products and services and how you use them.

This Cookie and Tracking Policy describes how the Sparen 3 Pension Foundation of Zürcher Kantonalbank and the Vested Benefits Foundation of Zürcher Kantonalbank (hereinafter referred to as the “Foundation”) use cookies on websites and in apps, as well as how they collect tracking data and how they handle it. This policy can be updated at any time. Please check this page regularly for the latest version.

1. Scope of the Cookie and Tracking Policy

This Cookie and Tracking Policy applies to the Foundation’s digital presences that refer to the Policy. In particular, it applies to:

• The Foundation’s web presence with the website at frankly.ch (hereinafter referred to as the “frankly website”)
•  The registration process and the personal user account at my.frankly.ch (hereinafter referred to as “my.frankly”)
• Mobile application from the app stores operated by Google / Android and Apple: frankly app

Additional or other provisions on the use of tracking data may apply for certain digital presences belonging to the Foundation, such as social media presences, other mobile apps or separate websites. These are available on the corresponding digital presences and take precedence in such cases.

It has no influence on digital presences that make statements about the Foundation but are not operated by or on behalf of the Foundation. In such case, this Cookie and Tracking Policy does not apply.

2. Which tracking technologies do we use?

We use cookies as well as other applicable tracking technologies in the browser (hereinafter referred to as “cookies”).

Some of our cookies are necessary for technical reasons to ensure the proper functioning of our digital presences. The use of these is compulsory for technical reasons. The other cookies used serve to improve your user experience (through personalised offers, etc.). You can adjust your cookie settings to suit your preferences at any time.

In our frankly app, we use software development kits (SDKs) with tracking functionalities as well as other tracking technologies (hereinafter referred to as “tracking SDKs”) where necessary. Consent to the use of these technologies is granted by downloading the frankly app, and can be rejected by not downloading it.

3. What do we mean by cookies and tracking SDKs, and how do they work?

Cookies are small text files that are stored in your browser. They make it possible for the digital presence (e.g. the frankly website) to remember certain entries and settings (login, language, usage, preferences and statistics, etc.) over a certain period of time.

Cookies can be placed in two ways, firstly as first-party cookies by storing them on the domain of the respective website (e.g. the frankly website). These first-party cookies can only be read by the operators of the respective website (in this case the Foundations). These first-party cookies are placed by our own technical integrations (i.e. by the Foundations) or by integrating third-party products (e.g. Adobe Analytics).

Cookies can also be placed as third-party cookies. This happens when the cookies can also be read directly by other websites and website operators. The Foundation uses third-party cookies very sparingly, and only in publicly accessible areas.

A list of the cookies placed through the integration of third-party products can be found in the section “Which third-party cookies and tracking SDKs do we use?”

Tracking SDKs are code packages which are integrated into the source code of the frankly app and are automatically installed when the app is downloaded. This allows the app to remember various entries and settings for the entire duration of the installation and link them to user behaviour. A list of the third-party tracking SDKs used can be found in the section “Which third-party cookies and tracking SDKs do we use?”

4. What data is stored and processed?

The cookies stored with your consent on the Foundations’ digital presences read tracking data (e.g. the frankly website or the URL you are currently visiting, including the date and duration of your visit as well as technical data about your browser, operating system and IP address). This tracking data is required for statistical purposes, to optimise and further develop the Foundations’ digital presences and to display offerings and content tailored to your interests.

If you decline the use of cookies, we will only use the necessary cookies on the Foundations’ digital presences to enable the proper functioning of our digital offerings.

The tracking SDKs used in the frankly app read usage data (app screens visited, date and duration of the visit, number of visits, operating system, etc.). This usage data is required for statistical purposes to optimise and further develop the frankly app and to display offerings and content tailored to your interests.

Tracking data cannot be used to identify individuals personally. However, the Foundations may combine tracking data with other data already held by the Foundations and, in doing so, could possibly link them to the identities of individual persons. If a link to a personal identity is established, the Foundations may process this personal data in accordance with the privacy policy statement and, in particular, use it for the purposes described therein.

If third-party products are used for tracking on the Foundations’ digital presences, the foundations will only pass on pseudonymised data to these third-party providers. This data in itself does not allow third-party providers to identify a specific person.

5. How long are cookies stored in your browser?

Some cookies are automatically deleted as soon as the browser session has ended, after a page is closed or after a specified period of time. Certain cookies are permanently stored in the browser for technical reasons unless they are deleted by users or replaced when the digital presence is revisited.

6. How long are tracking SDKs stored in the frankly app?

The tracking SDKs used in the frankly app are initiated and permanently installed when the app is downloaded on the mobile device. They remain in the app until the frankly app is deleted or uninstalled from the device.

7. Which third-party cookies and tracking SDKs do we use?

In addition to cookies from our own systems, we use cookies and tracking SDKs from service providers and third-party products. An overview of these products and the cookies they place can be found below.

frankly website and my.frankly

Necessary Cookies

These cookies are technically necessary for the functions of the frankly website and my.frankly as well as for the provision of the content (storing your cookie settings or continuing to browse sub-pages, etc.). As a result of this, necessary cookies cannot be declined.

Third-party provider and product:

Statistical and personalisation cookies

The statistical cookies stored with your consent read usage data. This data can be used in aggregated form for analytical purposes and to optimise and further develop the offer (e.g. to measure the number of page views or the length of a stay), and be combined with data already available at the Foundations. This also applies to personalisation cookies, which are used to show you content tailored to your interests at selected points on the digital presences and to provide you with content on other channels (such as e-mail, text messages and mobile push notifications).

Third-party provider and product:

Marketing on external websites

Marketing or advertising cookies are used to display advertisements which are relevant to the user on third-party websites. Pseudonymised data may be transmitted to online advertisers for this purpose. The advertisements may contain products and services from Group companies of Zürcher Kantonalbank or from related institutions (e.g. the Savings Pillar 3 Pension Foundation of Zürcher Kantonalbank).

Third-party provider and product:

Options on the frankly website

When you first visit our website www.frankly.ch, you can consent to the use of cookies in the cookie banner or change your personal settings via the preference centre (accessible via the cookie banner or the “Cookie settings” link in the footer of www.frankly.ch). This applies to all cookie categories apart from the necessary cookies that are required for the proper functioning of the digital presences. You can change your settings for www.frankly.ch at any time via the link in the footer. We store your cookie settings in a cookie via the third-party provider OneTrust. This data is stored anonymously with the third-party provider and prevents you from having to re-enter your settings each time you visit.

Options on my.frankly

For the website www.my.frankly.ch, you can use the following link to view the activation status of cookies from different providers and opt out of the collection or analysis of your data by their cookies: Configure preferences (source EDAA).

You can delete cookies that have already been placed as follows:
The “Security in digital banking” website at zkb.ch (“Clear cache” section) contains information on how you can delete cookies and stored data in your browser. Alternatively, you can use the Ctrl+Shift+Delete keyboard shortcut to open the relevant settings window in most browsers.

frankly App

The in-app tracking and targeting is done for statistical purposes and to personalise the Bank’s own content using the following SDKs.

Third-party provider and product:

Options in the frankly app

Consent for the use of tracking technologies via the tracking SDK in our frankly app is given by downloading the application. The use of tracking technology is rejected by not downloading the app.

Privacy policies of third-party products

The terms and conditions of use and privacy policies of the third-party products used

• Google: How we use data from websites or apps that use our services – Privacy Policy & Terms of Use – Google
• Google Marketing Platform: How we use data from websites or apps that use our services – Privacy Policy & Terms of Use – Google
• Adobe: Adobe Privacy Centre
• OneTrust: OneTrust Privacy Notice | Learn more about our policies
• Meta*: Meta Privacy Policy – How Meta collects and uses user data | Privacy Centre | Manage your privacy on Facebook, Instagram and Messenger | Facebook Privacy
• LinkedIn*: LinkedIn Privacy Policy
• Microsoft Bing*: Legal, privacy and personalization (microsoft.com)

* You can restrict the linking of tracking data with third-party products using the third-party provider’s settings.

• Meta: Disconnect your past activity off Meta technologies | Facebook Help Center

• LinkedIn: Ad data (linkedin.com)
• Microsoft Bing: Microsoft account | Privacy

Last updated: November 2024