The BNP Paribas Group is committed to delivering the best possible service to you while maintaining the confidence that you place in us. 
As part of this, we have adopted strong principles across the Group to ensure the protection of your data. 

As such, we would like to provide you with transparent information about how we place, use and store cookies on your device when you use our website www.bnpparibascardif.com  (the “Website”) and you present the option to manage and to delete cookies.


1.    What is a cookie?

Cookies are small text, image or software files that are placed on your device when you access our Website. The word “device”, when used in this Cookies Policy, refers notably to computers, smartphones, tablets and all other devices used for accessing the internet.
Cookies may be either: (i) session specific, meaning that they are deleted from your device once the session and browser are closed; or (ii) persistent meaning that they will remain on your device until they are removed.

Cookies perform a number of useful functions, such as to: 

⦁    Monitor your use of our Website in order to improve it;
⦁    Enhance your user experience by adapting and tailoring the content on the Website n to your interest and providing more relevant BNP Paribas ads and content to you on non-BNP Paribas websites.
⦁    Remember information that you provided to us (e.g. to automatically populate forms with information that you have previously provided to us so that you can log on more quickly);
⦁    Keep track of your preferences and settings in your use of our Website (e.g. time zone etc.);

2.    What kind of information can be stored in a cookie?

The information stored by the cookies on your device may relate to the following, subject to its retention period: 
⦁    the webpages you have visited on that device; 
⦁    the type of browser you use; 
⦁    your IP address;
⦁    and any other information that you have provided on our Website.

Cookies may contain personal data. Where we use cookies which collect your personal data, such collection is covered by our Data Protection Notice.

3.    What kinds of cookies do we use and for what purpose?

Cookies used on our Websites are classified into different categories.

3.1    Strictly necessary cookies (mandatory)

These cookies are essential for the Site to function properly. They may include, for example, cookies which collect session ID and authentication data, cookies that make it possible to personalize the interface of a Site (for example, for the choice of the language or presentation of a service) or some audience measurement cookies. This category also includes cookies that allow us to comply with our legal obligations, including ensuring a safe online environment (for example by detecting repeated login failures in order to prevent unauthorized persons from reaching your account).

3.2    Preference cookies (subject to your consent)

These cookies allow us and our partners, to personalize and offer the content and features of the Sites (and in particular the display of our products and services). They are used to improve our Site and your user experience.


3.3    Analytics cookies (subject to your consent, except in some circumstances)

These cookies allow us and our partners, to understand how users arrive on our Site, to measure the number of visitors to our Site, but also to analyze the way in which visitors browse the Site or reconstitute their journey. 

This helps us improve the way our Sites work by ensuring, for example, that users easily find what they are looking for. 
These cookies may be exempt from consent when they are strictly necessary for the functioning of the Site in accordance with the article 3.1. 
Otherwise, they are subject to consent in accordance with the present article 3.3.

3.4    Social networks and content sharing cookies (subject to your consent) 

Our Site may include content hosted by a third party online content provider (ex : YouTube, Dailymotion) or social media plugins. (Facebook, Twitter, Instagram).

- Social network cookies:
These cookies allow us and our partners to share information with the social networks used on our Sites.
The display of this type of content on our Sites shares information about your browsing on our Sites with the social networks used. 

- Content sharing cookies: 
These cookies allow us and our partners, to offer you the viewing on our Site of content hosted on an external site. 
The visualization of this type of content on our Sites involves sharing information with the hosting site about your browsing on our Sites.

You will find in section 4 of this Cookies Policy more information about the partners as well as explanations on how you can set up your preferences.

4.    In this context, who places the cookies on your device (for example the companies of BNP Paribas Group or a partner)?
 
When you select which types of cookies you allow on your device, the cookies may be deposited directly by us or by one of our partners. 

From a practical point of view, this means that when you authorize the installation of certain so-called “third-party” cookies on your device, our partners will also be able to access the information they contain (such as, for example, your browsing statistics when you allow third-party analysis cookies) within the respect of our data protection Notice and those of our partners.

cookie source purpose Find out more List of partner cookies used on the site retention period of the cookies by our partner
Google

Our Site integrates Google audience measurement, advertising and social network cookies.

Google Analytics is the audience measurement tool that allows us to better understand the behavior of visitors to our Site. Google Analytics cookies make it possible to collect information and generate reports on site usage statistics without visitors being personally identified by Google.

Other cookies (such as those stored in browsers under the domain doubleclick.net) allow Google to personalize the advertisements on its sites.
Google also manages cookies from its social networks (such as Youtube).

You can obtain more information about these cookies on the Google website by following this link: https://policies.google.com/privacy 

If you use an Internet browser, you can also use the tool available at this link to deactivate Google Analytics: 
https://chrome.google.com/webstore/detail/google-analytics-opt-out/fllaojicojecljbmefodhfapmkghcbnh?hl=fr

You have the possibility to oppose the Personalization of ads by following this link : https://googleads.g.doubleclick.net/ads/preferences/

test_cookie Minimum : Session (30 min)
Maximum : 14 years

 

5. How can you manage cookies?

To see the different categories of cookies that we use on the Site and configure your choices, you can consult the cookie management module accessible at the bottom of the page. You can modify at any time your preferences, withdraw or give again your consent at any time. 

Please note that the use of strictly necessary cookies for the proper functioning of the Site does not require your consent. This is why the option "strictly necessary cookies" is pre-checked in our cookie management tool and is not optional.
 
By refusing certain types of cookies (preference cookies for example), we will not be able to optimize your user experience on our Site and some parts may not function properly. 

By default, we save your cookie choices on a device for a maximum of 6 months. If you change your mind about the preferences you have expressed regarding cookies, you can update your choices at any time, by following this button : . 

We will ask you to make a choice again every 6 months.