1. What Are Cookies?
Cookies are small text files placed on your device (computer, tablet, or smartphone) when you visit a website. They are widely used to make websites work efficiently, provide a better browsing experience, and supply information to website owners.
We also use similar technologies such as web beacons, pixel tags, and local storage, which function similarly to cookies and are governed by this policy.
2. Cookies We Use
Strictly Necessary Cookies
These cookies are essential for the functioning of our website and online banking platform. They enable core functionality such as security, session management, and account authentication. Without these cookies, services you have requested cannot be provided.
kn_session
Maintains your authenticated banking session
kn_csrf
Prevents cross-site request forgery attacks
kn_auth
Stores authentication tokens securely
kn_prefs
Remembers your cookie consent preferences
Performance & Analytics Cookies
These cookies collect information about how visitors use our website, such as which pages are visited most often and whether users receive error messages. All data is aggregated and anonymized.
Functionality Cookies
These cookies allow our website to remember choices you make (such as your language preference, region, or display settings) to provide enhanced, personalized features.
Marketing & Advertising Cookies
These cookies track your browsing activity across websites to deliver advertisements relevant to your interests. They are only placed with your explicit consent.
3. Third-Party Cookies
Some cookies are placed by third-party service providers that appear on our pages. We use the following third-party services:
- Google Analytics: Helps us understand how visitors interact with our website. Data collected is anonymized. (Google Privacy Policy)
- Google Tag Manager: Manages analytics and marketing tags without impacting page performance.
- Hotjar: Provides heatmaps and session recordings to improve user experience. All personal data is masked.
- Stripe: Processes payment information securely with PCI DSS Level 1 compliance.
We are not responsible for the privacy practices of these third parties. We encourage you to review their respective privacy policies.
4. Managing Your Cookie Preferences
You can manage your cookie preferences in several ways:
- Cookie Banner: When you first visit our website, you can accept or reject optional cookies through our consent banner.
- Browser Settings: Most browsers allow you to block or delete cookies. Note that disabling essential cookies may prevent you from using online banking features.
- Opt-Out Links: You can opt out of Google Analytics by installing the Google Analytics Opt-Out Browser Add-on.
Important: Strictly necessary cookies cannot be disabled as they are required for secure banking operations. Disabling these cookies will prevent you from logging in or performing transactions.
5. Do Not Track Signals
Some web browsers transmit "Do Not Track" (DNT) signals to websites. There is currently no universally accepted standard for how websites should respond to DNT signals. As a result, our website does not currently respond to DNT signals.
However, you can control tracking through our cookie consent settings and your browser preferences as described in Section 4.