CTGMC
Cookie Policy

# How We Use Cookies

We use cookies to keep you secure, remember your preferences, and improve your banking experience. You're in control.

Last Updated: April 2026

## What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or smartphone) when you visit a website. They help websites remember information about your visit, such as your login session, preferences, and browsing activity.

At CTGMC, we use first-party cookies (set by us directly) and third-party cookies (set by trusted partners). Cookies can be:

- Session cookies: Temporary files deleted when you close your browser
- Persistent cookies: Remain on your device for a set period or until manually deleted
- Secure cookies: Only transmitted over encrypted HTTPS connections

We also use similar tracking technologies including web beacons (pixel tags), local storage, and session storage to achieve equivalent purposes where cookies are not available.

No cookies on our platform contain your financial data, passwords, or personally identifiable information in plaintext. All sensitive identifiers are encrypted or tokenized.

## Types of Cookies We Use

We categorize cookies by their purpose. Only Essential cookies are always active; you can manage the rest in our Preference Center below.

🔒

### Essential

Required for login sessions, fraud prevention, security tokens, and core site functionality. Cannot be disabled.

ALWAYS ACTIVE
⚙️

### Functional

Remember your preferences: language, region, account display settings, and dashboard layout.

📊

### Analytics

Help us understand how you use our site — page views, navigation paths, feature usage — so we can improve.

📢

### Marketing

Used to show you relevant offers on partner websites based on your financial interests and browsing behavior.

## Cookie Reference Table

Below is a complete reference of cookies currently used on the CTGMC platform:

Cookie Name | Provider | Purpose | Expiry | Type
--- | --- | --- | --- | ---
`tona_session` | CTGMC | Maintains authenticated login session | Session | Essential
`tona_csrf` | CTGMC | Cross-Site Request Forgery protection token | Session | Essential
`tona_device_id` | CTGMC | Identifies trusted devices to reduce MFA friction | 365 days | Essential
`tona_fraud_score` | CTGMC | Real-time fraud risk assessment signal | 30 days | Essential
`tona_prefs` | CTGMC | Stores user display preferences and dashboard layout | 1 year | Functional
`tona_locale` | CTGMC | Remembers language and regional formatting settings | 1 year | Functional
`tona_remember_me` | CTGMC | Stores username for 30-day "Remember Me" feature | 30 days | Functional
`_ga` | Google Analytics | Distinguishes unique users for aggregate traffic analysis | 2 years | Analytics
`_ga_XXXX` | Google Analytics | Maintains analytics session state | 2 years | Analytics
`_gid` | Google Analytics | Distinguishes unique users within a 24-hour period | 24 hours | Analytics
`tona_heatmap` | Hotjar | Collects heatmap and session recording data for UX research | 1 year | Analytics
`_fbp` | Meta (Facebook) | Tracks conversions and ad performance on Meta platforms | 90 days | Marketing
`_gcl_au` | Google Ads | Tracks ad click conversions from Google Ads campaigns | 90 days | Marketing
`li_fat_id` | LinkedIn | Enables LinkedIn ad retargeting for professional audiences | 30 days | Marketing

## Cookie Preference Center

Customize which cookies you allow CTGMC to use. Essential cookies cannot be disabled as they are required for the platform to function securely. Your preferences are saved in your browser and will persist for 365 days.

### Manage Your Cookie Preferences

Toggle the categories below, then click "Save Preferences".

#### 🔒 Essential Cookies

Required for login sessions, security (CSRF protection), fraud detection, and basic site functionality. Disabling these would break the banking platform.

Always On

#### ⚙️ Functional Cookies

Remember your language, display settings, account layout, and "Remember Me" login preferences. Disabling these means you'll need to reconfigure settings on each visit.

#### 📊 Analytics Cookies

Help us understand how customers use our platform so we can improve features, fix issues, and optimize the experience. All data is aggregated and anonymous.

#### 📢 Marketing Cookies

Allow us to show you relevant financial product advertisements on partner websites (Google, Meta, LinkedIn). No financial data is shared with advertisers.

Your cookie preferences have been saved successfully. Changes take effect on your next page load.

## Managing Cookies in Your Browser

In addition to our Preference Center, you can manage cookies directly through your browser settings. Here's how to do it in popular browsers:

- Google Chrome: Settings → Privacy and Security → Cookies and other site data
- Mozilla Firefox: Settings → Privacy & Security → Cookies and Site Data
- Apple Safari: Preferences → Privacy → Manage Website Data
- Microsoft Edge: Settings → Cookies and site permissions → Cookies and site data
- Opera: Settings → Advanced → Privacy & security → Cookies

Warning: Deleting all cookies will log you out of your CTGMC account and reset all saved preferences. Essential security cookies will be regenerated on your next login.

You can also opt out of Google Analytics tracking across all websites by installing the Google Analytics Opt-out Browser Add-on.

## Do Not Track (DNT)

Some browsers include a "Do Not Track" (DNT) signal that tells websites you do not want to be tracked. Currently, there is no industry-wide standard for how websites should respond to DNT signals.

CTGMC currently does not alter its data collection practices in response to DNT signals, as we are required to maintain certain logs and session data for security and regulatory compliance regardless of tracking preferences.

However, you can use our Cookie Preference Center above to opt out of non-essential cookies, which provides meaningful control over your data beyond what DNT currently offers.

We will continue to monitor developments around Global Privacy Control (GPC) and other emerging standards and will update our practices accordingly.

## Updates to This Policy

We may update this Cookie Policy periodically to reflect changes in the cookies we use, our practices, or applicable law. When we make material changes, we will:

- Display a cookie consent banner on your next visit asking you to review and re-confirm your preferences
- Update the "Last Updated" date at the top of this page
- Notify registered customers via email for significant changes

Your continued use of our Services after an update takes effect constitutes your acceptance of the revised Cookie Policy.

Questions about our cookie practices? Contact our Privacy team at privacy@ctgmc.ch or visit our Privacy Policy for the full picture of how we handle your data.