Legal information

Advanzia Bank S.A.

9, Rue Gabriel Lippmann
L-5365 Munsbach
Luxemburg

Email: info@advanzia.com
Tel.: 0800 880 1120
Fax.: +352 26 38 75 699

https://www.advanzia.com

Register of Companies R.C. Luxembourg B109476

VAT number: LU 20992462

Approved as a financial institution by the Financial Ministry of Luxembourg under Number 47/05, Commission de Surveillance du Secteur Financier (CSSF)

CSSF
110, route d'Arlon
L-2991 Luxembourg
www.cssf.lu


Legal representatives

Roland Ludwig
Frank Hamen
Gregor Sanner

 

Extrajudicial settlement of disputes

We are obliged to abide by the dispute settlement procedure of the consumer arbitration board, the Commission de Surveillance du Secteur Financier (CSSF), 110 route d’Arlon, L-2991 Luxembourg (www.cssf.lu). Consumers have the option of contacting the CSSF when settling any disputes.

The EU Commission runs an online platform that offers the option of online dispute resolution. This platform can be accessed via the external link http://ec.europa.eu/consumers/odr/.

 

No liability for content

The contents and information on Advanzia Bank S.A.’s website are prepared to the best of our knowledge, carefully checked and, if necessary, supplemented and updated on an ongoing basis and without prior notice. However, we accept no liability for the validity, accuracy and completeness of the content and information provided. This also applies to other websites referred to via a hyperlink. Advanzia Bank S.A. is not responsible for the content and proper operation of websites that are reached via such links.

 

Notes on data protection

If you use or interact with our websites, services, applications or tools, we or our authorised service providers may use cookies, web beacons or similar technology. We use these methods to collect information that helps us to make our service better, faster and more secure, as well as for promotional purposes.

This section is intended to give you a better understanding of such technology and the way in which it is used for our websites, services, applications and functionalities. Below is a summary of some of the main things that you should know about how we use such technology. This is followed by our guide to cookie usage.

Cookies and other such technologies perform a number of functions for us. They may be necessary for our services to function at all, or they may improve them. They facilitate greater efficiency, additional features and ensure that you can see ads that are relevant or personalised to you. In some cases, cookies and similar files are stored on your device only for as long as your browser is open (session cookie), while in other cases such information will be stored on your device for longer periods (persistent cookie). If your device offers this function, you can block, delete or disable such cookies. You can access your cookies and cookie settings in the settings for your device or browser.

Wherever possible, security measures are taken to prevent unauthorised access to our cookies or similar technology. A unique identifier ensures that only we and/or authorised service providers have access to cookie data.

Service providers are companies that assist us in various business areas, e.g. operating websites or in relation to services, applications, advertising or tools. Some service providers help us to show you relevant ads as you use our services or visit other websites. These service providers may use our services to store cookies on your device (called third-party cookies). They may also gather information that helps them to identify your device. Such information may constitute IP addresses or other data that can be uniquely assigned.

 

What are cookies, web beacons and similar technologies?

​Like most websites, we use technology that essentially stores small files on your computer, tablet, mobile phone or other device (collectively described as a 'device'). These files enable us to retain certain information when you use our websites, services, applications or tools.

The specific names and types of the cookies, web beacons and similar technologies that we use may change from time to time. Below is a short glossary that should help you to better understand the basic principles of such technologies and how we use them:

Cookies are small text files that consist mostly of letters and numbers. They are stored in the memory of your browser or device if you visit a website or open a message. Cookies allow a website to recognise a particular device or browser. There are different kinds of cookies:

  1. Session cookies expire at the end of your browser session, allowing us to link your actions during that particular browser session.
  2. Persistent cookies are stored on your device between browser sessions and enable us to record your priorities or actions across several sites.
  3. First-party cookies are stored by the page that you have just visited.
  4. Third-party cookies are placed by the site of a third party that is different from the site that you have visited.

You can disable or remove cookies via tools that are usually available as part of most commercial browsers. Preferences have to be set separately for each browser that you use, with different browsers offering different functions and options.

Web beacons: Small graphics (also called ‘pixel tags’ or ‘clear GIFS’) that may be integrated into our websites, services, applications or tools. Web beacons typically work with cookies to identify users and analyse their behaviour.

Similar technologies for storing information: Technologies that store information on your browser or device, using locally shared objects or local memory (e.g. flash cookies, HTML 5 cookies and other web application software) in the process. These technologies are browser-independent. Sometimes it may not be possible to specify the use of cookies completely within your browser. In such cases, you will need to adjust the settings for other installed applications or your device instead. We do not use the storage technologies mentioned here to tailor advertising on our websites or elsewhere specifically to you.

In our policies, we may use the terms 'cookies' or 'similar technologies' as synonyms for any technologies that we use to store data on your browser or device, or to gather information that enables us to identify you in the manner described above.

 

Your right to choose and our use of cookies, web beacons and similar technologies

​We offer certain page features, services, applications and tools that we can only provide by using these technologies. You can block, delete or disable these technologies at any time, provided that this is allowed by your browser, installed application or device. However, if you decline cookies or similar technologies, you may not be able to use certain page features, services, applications or tools. It may also be necessary to enter your password several times during a single session. For more information about blocking, deleting or disabling these technologies and files, see your browser or device settings.

In general, these technologies are used by our websites, services, applications and tools to store relevant information on your browser or device, allowing this information to be subsequently called up in order to identify you to our servers or internal systems. As far as possible, we protect our cookies and similar technologies by tagging them with a unique identifier. As such, only we and/or service providers working on our behalf can evaluate the information. We do not store any personal data in our cookies or similar technologies.

In all cases, the collection and storage of any personal information using this technology is done with your knowledge and consent. We ensure this by providing you with comprehensive information about the use of such technologies and giving you the option of disabling them, as outlined above.

 

Our use of these technologies can be divided into the following categories

  1. Technology required to operate. We use cookies, web beacons and similar technologies that are required in order for our websites, services, applications and tools to work. This includes technologies that allow you to access our sites, services, applications and tools, and are required to detect irregular behaviour on a website, prevent fraudulent activity and improve security, or that enable you to use our features, such as the shopping cart, saved searches and similar functions.
  2. Performance-related technology. We use cookies, web beacons and similar technologies to analyse the performance of our websites, applications, services and tools; this includes providing us with information that we can analyse to determine how visitors are using our website, and whether they have called up an object or used a link. In addition, we use cookies, web beacons and similar technologies to improve the content of our websites, applications, services and functionalities.
  3. Function-related technologies. We use cookies, web beacons and similar technologies to offer you enhanced features when using our websites, services, applications or tools. This may include identifying you when you register on our websites, or tracking your specific preferences, interests or content viewed in the past, so that we can improve the presentation of content on our sites.
  4. Advertising-related technology. We use first-party or third-party cookies and web beacons to provide content; this includes advertising tailored to your interests on our pages or on third-party websites. This includes the use of technology to understand the benefits of advertising and content you may have received by clicking on an ad.
 

For more information about the option of declining advertising-related third-party cookies and web beacons, please read the section on Ad networks and exchanges operated by authorised third parties. Declining advertising-related third-party cookies and web beacons as described below does not necessarily mean that you will not see one of our advertisements on a third-party website. This simply means that this ad has not been tailored to you using third-party cookies, web beacons or similar technologies.

You can decline any other technology that we use for our websites, services, applications or functions by blocking, deleting or disabling such technology, provided that this is permitted by your browser or device.

More information about deleting, disabling or blocking cookies is available at AboutCookies.org.

If you want to know how to change the cookie settings for certain browsers, click on the links below:

Use of these technologies by authorised third-party service providers

We work with external third-party service companies – generally referred to simply as service providers. These companies have our permission to use third-party cookies, web beacons and similar technologies to store information on our sites, our services and our applications or tools. These service providers thus help to make our services better, faster and more secure.

Service providers may use such technologies to help us provide our own content and advertising, in addition to carrying out anonymous website metrics and analysis. We do not allow any of these service providers to gather your personal data for their own purposes from our websites, as part of our services or via our applications or functions. In terms of the use or collection of personal data, these service providers are subject to the confidentiality obligations of Advanzia Bank and all other legal restrictions. The handling of third-party cookies is also subject to the privacy policies of such third parties.

Except for the use of these technologies by our service providers or other authorised third parties, we do not permit third-party website content to be introduced or the use of cookies, web beacons, local storage or similar technologies for the purposes of tracking your activities or gathering your personal data. 

 

Ad networks and exchanges operated by authorised third parties for interest-based advertising

We may use third-parties such as advertising networks and exchanges that allow us to show you advertisements. These third-party advertising networks and exchange providers may use third-party cookies, web beacons and similar technologies to gather information about your visit to our website or other places on the internet. They may also store your unique device identifier, IP address or identifier for advertising (IDFA). These third parties may use the information collected to show you relevant ads on our site or other websites. The handling of third-party cookies is also subject to the privacy policies of such third parties.

The following websites have more information about advertising-related third-party cookies, personalised advertising and ways of blocking companies that have committed to certain practices:

Your Online Choices

About Ads

 

 Last updated: 20 February 2018​