Cookie Policy

Introduction

This cookie policy (“Cookie Policy”) relates to the website https://www.apsbank.com.mt and/or any sub-website and/or associated domains (and/or sub-domains) of https://www.apsbank.com.mt (hereinafter referred to as the “Site” owned by APS Bank plc). In this Cookie Policy, "We", "Us", "Our", “Ourselves” and/or “APS Bank” shall refer to APS Bank plc (C 2192) and "You" and "Your" and “User” refer to an identified or identifiable natural person being the user of this Site and/or client of any of APS Bank’s services. Our full details, including contact details, can be read below. For more information about how We process Your Personal Data, please read Our Master Privacy Policy.

What cookies are

Our Site uses a technology called “cookies”. A cookie is an element of data (usually a very small file) that a website can send to Your browser, which may then store it on Your computer or mobile device. These cookies allow Us to correctly operate the Site and/or to provide You with web pages or content that are tailored to You. For example, some cookies remember Your custom preferences. This information can, in some cases, be carried from one visit of our Site (or related site) to the next (for example, to help You avoid having to re-enter certain information when You visit the same page later). Some of these cookies require Your consent (as explained below).

Some cookies are created for each session when You visit Our Site, while others are persistent and may remain for a number of months or years to facilitate Your access to Our Site.

Why we use cookies

We absolutely respect Your right to privacy. We use cookies to ensure the fuctionality of our Site and to make Your website experience better. You can remove any cookies already stored on Your computer or mobile device (as explained below) but this may prevent You from using parts of this Site or may cause You to see this message, or part thereof, again.

Apart from the cookies We make use of Ourselves, various third-party cookies may also be stored on Your computer or mobile device, including Google Analytics and Facebook. We strongly suggest that You read the cookie policies of any such third-party cookies.

Essential and non-essential cookies

We divide cookies into two main categories namely:

1) ESSENTIAL COOKIES. These are strictly necessary to ensure that the Site functions in Your everyday use of it or for Us to provide You with the service(s) You expect from Us. Cookies used for the sole purpose of carrying out or facilitating the transmission of a communication will also be considered as essential cookies. We do not require Your consent to use such essential cookies but You may still block or delete them (see below).

Some examples of essential cookies as found in the European Commission’s EU Internet Handbook (see https://wikis.ec.europa.eu/display/WEBGUIDE/04.+Cookies+and+similar+technologies) are as follows:

  • USER INPUT cookies (session-id) such as first party cookies to keep track of the User's input when filling online forms, shopping carts, etc., for the duration of a session or persistent cookies limited to a few hours in some cases
  • AUTHENTICATION cookies, to identify the User once he has logged in, for the duration of a session
  • USER CENTRIC SECURITY cookies, used to detect authentication abuses, for a limited persistent duration
  • MULTIMEDIA CONTENT PLAYER cookies, used to store technical data to play back video or audio content, for the duration of a session
  • LOAD BALANCING cookies, for the duration of session
  • USER INTERFACE CUSTOMISATION cookies such as language or font preferences, for the duration of a session (or slightly longer)
  • THIRD PARTY SOCIAL PLUG IN CONTENT SHARING cookies, for logged in members of a social network

2) NON-ESSENTIAL COOKIES. These are not required for the essential functioning of the Site, although they may greatly enhance Your experience of using Our Site. For example, non-essential cookies may be used for the following reasons:

  • PREFERENCES. These cookies would remember Your custom preferences. For example, this helps You avoid having to re-enter certain information when You visit the same page later;
  • MARKETING. Here, the cookies would be used to gather information about Your browsing habits allowing Us to provide You with more relevant information and material that would be of interest to You;
  • STATISTICS. These help Us gather information about users on Our Site(s), such as when You first visited the Site and/or how often You access it and at what particular time. These also include cookies that log how You came across the Site, using which search engine or other link.

WE SHALL ONLY PLACE NON-ESSENTIAL COOKIES ON YOUR COMPUTER OR MOBILE DEVICE IF YOU CONSENT TO THAT SPECIFIC CATEGORY OF COOKIE being placed by way of a pop-up on relevant areas of our Site the first time you visit it and possibly subsequently (if necessary) and/or by accepting this Cookie Policy (or other similarly effective mechanism). This will not prevent You from deleting or disabling cookies by modifying Your browser settings as explained below.

YOU MAY WITHDRAW SUCH CONSENT FOR NON-ESSENTIAL COOKIES AT ANY TIME BY THE SAME METHOD IN WHICH YOU GAVE IT TO US.

Specific cookies used on Our domains

Domain Name Category Description Provider Session or Persistent Cookie Type
https://www.apsbank.com.mt ASP.NET_SessionId Necessary This cookie preserves the visitor's session state across page requests. apsbank.com.mt Session HTTP
https://www.apsbank.com.mt _ga Statistics This cookie is installed by Google Analytics to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors. apsbank.com.mt 2 years HTTP
https://www.apsbank.com.mt _gat Statistics This cookie is installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites. apsbank.com.mt 1 day HTTP
https://www.apsbank.com.mt _gid Statistics This cookie is installed by Google Analytics to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number of visitors, the source where they have come from, and the pages visited in an anonymous form. apsbank.com.mt 1 day HTTP
https://www.apsbank.com.mt ads/ga-audiences Marketing This cookie is used by Google AdWords to re-engage visitors that are likely to convert to customers based on the visitor's online behaviour across websites. google.com Session Pixel
https://myapshelp.apsbank.com.mt/ CONSENT Necessary These cookies are set via embedded youtube-videos. They register anonymous statistical data on for example how many times the video is displayed and what settings are used for playback. No sensitive data is collected unless you log in to your google account, in that case your choices are linked with your account, for example if you click “like” on a video. youtube.com 6020 days HTTP
https://myapshelp.apsbank.com.mt/ YSC Marketing This cookie is set by Youtube and is used to track the views of embedded videos. youtube.com Session HTTP
https://myapshelp.apsbank.com.mt/ VISITOR_INFO1_LIVE Marketing This cookie is set by Youtube. Used to track the information of the embedded YouTube videos on a website. youtube.com 179 days HTTP
https://yourhome.apsbank.com.mt/ test_cookie Necessary This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user's browser supports cookies. doubleclick.net 15 minutes HTTP
https://yourhome.apsbank.com.mt/ __utm.gif Statistics This is a Google Analytics Tracking Code that logs details about the visitor's browser and computer. google-analytics.com Session Pixel
https://yourhome.apsbank.com.mt/ __utma Statistics This cookie is set by Google Analytics and is used to distinguish users and sessions. The cookie is created when the JavaScript library executes and there are no existing __utma cookies. The cookie is updated every time data is sent to Google Analytics. yourhome.apsbank.com.mt 2 years HTTP
https://yourhome.apsbank.com.mt/ __utmb Statistics The cookie is set by Google Analytics. The cookie is used to determine new sessions/visits. The cookie is created when the JavaScript library executes and there are no existing __utma cookies. The cookie is updated every time data is sent to Google Analytics. yourhome.apsbank.com.mt 1 day HTTP
https://yourhome.apsbank.com.mt/ __utmc Statistics The cookie is set by Google Analytics and is deleted when the user closes the browser. The cookie is not used by ga.js. The cookie is used to enable interoperability with urchin.js which is an older version of Google analytics and used in conjunction with the __utmb cookie to determine new sessions/visits. yourhome.apsbank.com.mt Session HTTP
https://yourhome.apsbank.com.mt/ __utmt Statistics The cookie is set by Google Analytics and is used to throttle request rate. yourhome.apsbank.com.mt 1 day HTTP
https://yourhome.apsbank.com.mt/ __utmz Statistics This cookie is set by Google analytics and is used to store the traffic source or campaign through which the visitor reached your site. yourhome.apsbank.com.mt 6 months HTTP
https://yourhome.apsbank.com.mt/ bounce Statistics This cookie is set by AppNexus. This cookie determines if a user leaves the website straight away. The information is used for internal statistic and analytics by the website operator. adnxs.com Session Pixel
https://yourhome.apsbank.com.mt/ uuid2 Marketing This cookie is set by AppNexus. The cookie stores information that helps in distinguishing between devices and browsers. This information us used to select advertisements served by the platform and assess the performance of the advertisement and attribute payment for those advertisements. adnxs.com 3 months HTTP
https://yourhome.apsbank.com.mt/ anj Marketing This cookie is set by AppNexus. This cookie registers a unique ID that identifies a returning user's device. The ID is used for targeted ads. adnxs.com 3 months HTTP
https://yourhome.apsbank.com.mt/ IDE Marketing Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile. doubleclick.net 1 year and 24 days HTTP
https://yourhome.apsbank.com.mt/ _fbp Marketing Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. apsbank.com.mt 3 months HTTP
https://yourhome.apsbank.com.mt/ tr Marketing Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. apsbank.com.mt Session Pixel
https://maltasustainabilityforum.com/ CONSENT Necessary These cookies are set via embedded youtube-videos. They register anonymous statistical data on for example how many times the video is displayed and what settings are used for playback. No sensitive data is collected unless you log in to your google account, in that case your choices are linked with your account, for example if you click “like” on a video. youtube.com 6020 days HTTP
https://maltasustainabilityforum.com/ YSC Marketing This cookie is set by Youtube and is used to track the views of embedded videos. youtube.com Session HTTP
https://maltasustainabilityforum.com/ VISITOR_INFO1_LIVE Marketing This cookie is set by Youtube. Used to track the information of the embedded YouTube videos on a website. youtube.com 179 days HTTP
https://maltasustainabilityforum.com/ test_cookie Necessary This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user's browser supports cookies. doubleclick.net 15 minutes HTTP
https://maltasustainabilityforum.com/ IDE Marketing Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile. doubleclick.net 1 year and 24 days HTTP
https://maltasustainabilityforum.com/ _ga Statistics This cookie is installed by Google Analytics to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors. apsbank.com.mt 2 years HTTP
https://maltasustainabilityforum.com/ _gat Statistics This cookie is installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites. apsbank.com.mt 1 day HTTP
https://maltasustainabilityforum.com/ _gid Statistics This cookie is installed by Google Analytics to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number of visitors, the source where they have come from, and the pages visited in an anonymous form. apsbank.com.mt 1 day HTTP

How to delete or disable cookies via your browser

Even if We obtain Your consent to use non-essential cookies or if We use essential cookies (where we don’t need your consent), You can still control Your settings in Your browser to delete or disable cookies.

If Your browser is NOT configured, by default, to block all or certain cookies, You may manually configure Your browser to either reject all cookies or control which cookies are set on Your computer or mobile device through the Site. Should You wish to reject all or certain cookies used by Our Site, You may modify Your web browser preferences to do so.

If You reject ALL cookies (including Essential Cookies) then You might be unable to use some of the features or services available on Our Site and You might also experience a lack of full functionality of the Site.

Usually, the information on how to change Your options regarding cookies can be obtained by referring to Your operating system’s manual or to the ‘Help’ section of Your web browser, or by contacting Your Internet Service Provider.

You may also find all the necessary information on how to make the necessary configuration settings by visiting the following helpful site: https://www.allaboutcookies.org/manage-cookies

Please read Our Master Privacy Policy which, among other things, explains all Your rights as a data subject.

For more information please feel free to contact us as indicated below.

Company details

APS Bank is the data controller responsible for processing of Your personal data that takes place via the Site or in the manner explained above.

If You have any questions/comments/concerns about cookies or privacy, You should contact Us at: csc@apsbank.com.mt or by writing to APS Bank plc, APS Centre, Tower Street, Birkirkara, BKR4012, Malta, by phoning Us using telephone number (+356) 21226644 (during normal office hours) or by contacting our Data Protection Officer at: DataProtectionOfficer@apsbank.com.mt.

Updates

We reserve the right, at Our complete discretion, to change, modify, add and/or remove portions of this Cookie Policy at any time. If You are an existing client with whom We have a contractual relationship You shall be informed by Us of any changes made to this Cookie Policy (as well as other terms and conditions relevant to the Site). We shall also archive and store previous versions of the Cookie Policy for Your review.

As a User of this Site with which We have no contractual relationship or even a lawful way of tracing, it is in Your interest to regularly check for any updates to this Cookie Policy, in the event that Our attempts to notify You of such updates do not reach You.

 

Last Updated on 13th July 2021 - Version 1.1

Copyright © 2017 APS Bank plc
APS Bank plc is regulated by the Malta Financial Services Authority as a Credit Institution under the Banking Act 1994 and to carry out Investment Services activities under the Investment Services Act 1994. The Bank is also registered as a Tied Insurance Intermediary under the Insurance Distribution Act 2018.