Legal Disclaimer and Data Protection
Your privacy is a priority for Credendo – Export Credit Agency and all its subsidiaries (hereinafter referred to as ‘Credendo’ or ‘we’). Credendo undertakes to protect the personal data of its online users (hereinafter referred to as ‘you’) which are collected through cookies, tags, tracers and similar technology (hereinafter referred to generally as ‘cookies’). We process such data with the greatest care.
2. What is a cookie?
Cookies are small text files, containing certain pieces of information that are downloaded onto the user’s device when visiting a website. Cookies are created when a user's browser loads a particular website. The website sends information to the browser, which then creates a text file. Every time the user goes back to the same website, the browser retrieves and sends this file to the website's server.
Cookies are useful because they allow a website to recognise a user’s device and often improve the user experience. For example, certain cookies will remember which browser you use, your settings and preferences such as language and region, when you return to the website.
There are primarily two types of cookies: ‘essential’ cookies and ‘non-essential’ cookies, such as functional cookies, performance cookies and advertising cookies.
- Essential cookies are cookies that are strictly necessary for the website to function. They allow the user to browse the website and to use its main features.
- Functional cookies are cookies that allow the website to improve user experience but they are not essential for it to function.
- Performance cookies record user information for websites and apps at a non-personal level and are used to collect analytical and performance measurement data, such as the number of visitors and which pages are visited most frequently. These cookies include Google Analytics.
- Targeting or advertising cookies are used to collect information about the user’s browsing habits and can be used to adjust advertising and marketing.
Cookies can be classified according to how long they are valid.
Persistent or permanent cookies remain after the session is closed. They are kept on the user’s hard drive until they expire (persistent cookies have an expiry date) or until the user deletes the cookies. Persistent cookies are used to collect identification data relating to the user, such as their behaviour while browsing the internet or their preferences for a specific website.
Session cookies only last as long as the session (the time spent on the website) lasts. They are deleted when the user closes the browser.
Cookies can also be classified according to their placement.
First-party cookies belong to the owner of the website the user is visiting.
Third-party cookies are cookies connected with the activity of third parties. They are imported from another site, the content of which is accessible indirectly, for example via an image or a banner. These cookies can be used by these third parties to provide the owner of the website with services based on information such as the number of visitors and which pages are visited most frequently, allowing the owner to optimise the website.
3. How can you consent to cookies or change your preferences?
Placing cookies on your device is subject to your prior consent. You can consent to cookies by means of the cookie consent notice (or ‘cookie bar’) at the centre of the page.
In this cookie bar, you will find the list of our partners and purposes for which cookies can be placed. You can select individual partners and purposes or you can choose to allow or deny cookies for all partners and purposes, except for essential cookies.
If you don’t see the consent notice, this means you already consented in a previous session. You can update your consent preferences at any time through the link ‘Cookie preferences’ at the bottom of each page of the website.
When new partners are added, your consent will be asked again.
4. Which third-party cookies do we use?
These third-party providers may store additional cookies on your device, which we have no control over. In addition, the third-party providers might use the data stored in the related cookies for their own processing purposes, which again we have no control over.
Twitter and LinkedIn
Our website includes buttons enabling you to share content on social networks such as Twitter and LinkedIn. These buttons place cookies.
The buttons use pieces of code originating from the social networks themselves. We have no influence on them. Make sure to read the privacy statement of the networks (which may change regularly) to find out what they do with the (personal) information that is obtained through these cookies:
Our website uses Google’s remarketing technology. It enables users who previously visited the website and expressed an interest in our products, to see targeted advertising on websites of the Google Partner network. In the same manner, adverts can be shown to other people whose profile is similar to that of the users of our website. Cookies are used for this purpose.
The information generated by cookies about the use of the website is forwarded to the Google servers in the United States. If an IP address is sent at all, it is only the last three digits. The conduct of users on the website can be analysed through cookies and then used for targeted recommendations of products and advertising based on the user’s interests.
If you prefer not to see targeted advertising, you can disable the cookies that Google uses for that purpose on this website: https://adssettings.google.com/authenticated
Google’s personal data protection policy is independent from Credendo’s. We cannot be held responsible or liable for Google’s policy and procedures. Please acquaint yourself with Google’s privacy statement before using our website (https://policies.google.com/privacy?hl=en).
The cookies used by YouTube ensure that users can watch YouTube videos hosted by YouTube on our website. The cookies are set via the embedded videos. They only record anonymous data, for example, how often a video is played and which buttons of the player are used.
Connected to the Google Analytics tool, Leadfeeder is a tool used by Bannerflow to understand the type of traffic visiting the website. Leadfeeder enriches the data from Google Analytics by placing a pixel on the Bannerflow website. It enables Bannerflow to tailor the communications we send to prospects to ensure that we give relevant support and advice about our product and services.
Data such as company names are stored in Leadfeeder. When you consent to Google Analytics, you also consent to Leadfeeder enriching the data. You can opt out of making your site activity available to Google Analytics by installing the Google Analytics opt-out browser add-on or by not allowing Google in our list of partners.
In order to continuously improve our website and user experience, Pardot tracks visitor and prospect activities on our website and landing pages by means of cookies in the visitor’s browser. Cookies are set to remember preferences (like form field values) when a visitor returns to a website. Pardot also sets a cookie for logged-in users to keep the session active and remember table filters. Pardot cookies don’t store personally identifying information, only a unique identifier.
For more information, please see Pardot’s general information: https://help.salesforce.com/articleView?id=sf.pardot_basics_cookies.htm…
5. Other ways to refuse or remove cookies?
If you want to refuse or delete the cookies that are on your device, you have to go to your browser (Chrome, Edge, Safari, Firefox) settings. Then follow the instructions provided by your browser (generally located under the ‘Help’, ‘Tools’ and ‘Edit’ tabs).
If you choose to deactivate cookies, please be aware that you will not be able to benefit fully from certain features of our website and from the Credendo user experience.
6. Who controls your personal data?
The controller responsible for processing your personal data is Credendo – Export Credit Agency, with head office at Rue Montoyerstraat 3, 1000 Brussels, Belgium, registered in the BCE [Crossroads Bank for Enterprises] under No. 0203.286.759.
Any questions or requests relating to the processing of your personal data can be sent to the Data Protection Officer at firstname.lastname@example.org.