Cookie Policy

By using cookies, CM can use the collected information for analysis and reporting, to improve the user experience and to set up and improve advertising campaigns.

By accepting one or more cookies, you agree that CM uses the cookies as stated in this cookie policy. If you agree to the use of cookies, this agreement will also apply to your subsequent visits to the CM website. This way you do not have to select your cookie preferences again and again. If you wish, you can always change this at Cookie Settings .

All details about the cookies that CM uses can be found in this cookie policy. We also explain how these cookies are used. We strive to inform you as transparently and completely as possible. Do you think we forgot to mention something? Please do not hesitate to inform us and we will check this. We wish you an enjoyable reading and surfing experience.

Controller for the cookies
What are cookies?
What types of cookies are there?
Which cookies does CM use?
Manage your cookie settings
Cookie list
What about your privacy?

Controller for the cookies

The controllers for the processing of your personal data are:

• the National Association of Christian Mutualities, Haachtsesteenweg 579, box 40, 1031 Schaerbeek, Belgium with company number 0411.702.543;
• the regional health insurance funds to which you are affiliated;
• the MOB (Maatschappij van Onderlinge Bijstand) CM Vlaanderen, with registered office Haachtsesteenweg 579, box 40, 1031 Schaarbeek, Belgium, with company number 851.601.503 or for the French-speaking health insurance funds at the société mutualiste Solimut, with registered office Haachtsesteenweg 579, box 40, 1031 Schaarbeek , Belgium, with company number 471.458.008.

More detailed information about CM as responsible for the processing of your personal data can be found in the CM privacy statement .

CM is not responsible for any further processing of your personal data by processors that we rely on for the placement of cookies, if these third parties process your personal data outside the instructions given by CM.

What are cookies?

A cookie is a small file with a unique code that allows websites to store certain information on a user's device.

This information may be about you, your preferences or your device, and is usually used to make the site work as you would expect. When you visit the website again later, the cookie can be resent to the website's server. This ensures, among other things, that the website recognizes your browser (e.g. Google Chrome, Edge, Safari) and that you can surf smoothly and quickly.

Your personal settings and preferences are kept, so that, for example, you do not have to make your language or region choice again on your next visit. Cookies can also be placed by third parties with whom we collaborate, for example by Google Analytics to measure the use of a site. They can also be used to set up campaigns, for example on Facebook or LinkedIn.

A website can only read the cookies that it has placed itself. He does not have access to any other information on your computer.

In general, cookies have a certain retention period after which they can no longer be used. Some cookies are only stored for the duration of a session. You can check these retention periods in the Cookie Settings .

What types of cookies are there?

There are two types of cookies: first-party cookies and third-party cookies. Technically there is no difference between the two types. The difference has to do with how the cookies are created and then used, which often depends on the context.

• First-party cookies
  First-party cookies are stored by the domain (the CM website) that you visit directly. These are installed and managed by CM itself or in collaboration with other parties. With the help of these cookies, CM can remember the language and region choice and ensure the proper functioning of certain web applications.
• Third party cookies
  Third-party cookies are cookies that a third party places and manages. These cookies pass certain information about your visit to a page on the CM website to these third parties. CM uses these cookies for analytical purposes, retargeting and ad serving. These are, for example, cookies from advertisers, which ensure that you see targeted advertisements. Although CM does not manage or place these cookies itself, it does everything it can to ensure that their placement by third parties via the CM platforms is as controlled as possible.

Cookies placed by, for example, Hotjar, Facebook, Google and LinkedIn ensure that these companies know that a surfer has visited the CM website or a specific page of the CM website. By using such cookies, these parties collect data that may be used for other purposes outside CM's responsibility.

Which cookies does CM use?

CM uses different types of cookies.

• Strictly necessary cookies
  These cookies are necessary for the correct functioning of the CM website and our online services. CM uses these cookies to guarantee the following functionalities:

  • the correct functioning of the website;
  • reading your browser settings to optimally display our website on your screen;
  • better performance.

  Consent is not required for the use of these cookies and they cannot be disabled. You could set your browser to block or warn you about these cookies, but some parts of the website will then not work.
  When managing your Cookie settings, you can see which strictly necessary cookies CM uses as well as the technical name, host, retention period, type and category of the strictly necessary cookies used.

• Functional cookies
  These cookies are necessary for optimal functioning of the CM website and our online services. CM uses these cookies to guarantee the following functionalities:

  • saving the basic settings such as your choice of region;
  • support of chat function on the CM website;
  • use of forms.

  When managing your Cookie Settings, you can see which functional cookies CM uses as well as the technical name, host, retention period, type and category of the functional cookies.

• Analysis cookies
  Statistical or analytical cookies collect information about how the CM website and online services are used. CM can then make analyzes of this information. These results allow CM to make and improve the structure, navigation and content of the website as user-friendly as possible.
  CM uses third-party cookies for analytical purposes. CM does everything it can to ensure that its placement by third parties via our platforms is as controlled as possible. CM set up Google Analytics and Hotjar in a privacy-friendly manner (for example, IP addresses have been made anonymous). The resulting statistics and reports (which CM receives from the third party) cannot be traced back to a specific user by CM. CM has concluded a standard processing agreement with Google for the use of the Google Analytics services.

  • Google Analytics
    CM uses Google Analytics cookies, among other things, to:

    • improve your user experience and reorganize the content of the website;
    • to prepare reports on the use of the website.

    CM measures, among other things:

    • the number of new and returning users who surf to our website during a certain period of time;
    • the percentage of all sessions on the website where visitors visited only one page;
    • where the traffic on the website comes from (region);
    • which web pages are visited.

    The following personal data may be processed by Google when CM uses this service: online identifiers, including cookie identifiers, internet protocol addresses and device identifiers; customer IDs. For the personal data processed, see: Google Ads Data Protection Terms: Service Information Controller Terms . See also Google's privacy policy for more information .

  • Hotjar
    Hotjar is an analytics and feedback tool that displays the online behavior and feedback of website visitors. As a result, Hotjar CM provides tools to improve the user experience and the operation of its websites.
    The analysis tools allow you to measure and observe the behavior of website visitors (what website users do), the feedback tools allow you to determine what the user's opinion is.
    To improve browsing, the content and the design of the CM website, CM uses Hotjar and the associated cookies placed and managed by Hotjar. For example, use is made of:

    • Heatmaps: to track what users click on, where users scroll, and what users ignore.
    • Funnels: to check whether set goals for website users are achieved.
    • Poll and survey widgets: to collect feedback from visitors.

    Depending on the settings and services used by CM, the following personal data may be processed by Hotjar:

    • IP address of the device (consulted and stored in anonymized format);
    • screen resolution of the device;
    • device type (unique device identifiers), operating system and browser type;
    • geographic location (country only);
    • preferred language used to display the Hotjar website;
    • actions of the mouse (movements, location and clicks);
    • keystrokes;
    • referring URL and domain;
    • pages visited;
    • preferred language used to display the web page;

    • date and time when the web pages were consulted.

      The above list comes from the processing agreement concluded between CM and Hotjar.
      See Hotjar's privacy policy for more information.

    When managing your Cookie Settings, you can see which statistical cookies CM uses as well as the technical name, host, retention period, type and category of the analytical cookies used.

• Advertising cookies
  Advertising cookies are third-party cookies. These cookies ensure that parties have access to certain data about your visit to a page on the CM website. These cookies track your surfing behavior on the CM websites with the aim of showing you relevant advertisements on other websites, apps and/or social media based on your interests. They are based on unique identifiers of your browser and device. If you do not allow these cookies, you will experience less targeted advertisements. There are no advertising cookies on the 'My CM' pages and for all applications that require you to log in. Advertisements will not be personalized based on visits to these pages. When using the services of Google, Facebook and LinkedIn included below, CM in principle does not process any personal data. In most cases, the parties listed below will process personal data as a result of the placed third-party cookies.

  • Google Ads
    With the help of Google Ads, CM can better position itself in the search results on Google. The following personal data may be processed by Google when CM uses this service: online identifiers, including cookie identifiers, Internet Protocol addresses and device identifiers, customer IDs. For the personal data processed, see: Google Ads Data Protection Terms: Service Information Controller Terms . See also Google's privacy policy for more information .
  • Google DoubleClick
    CM uses Google-DoubleClick cookies to place advertisements of CM products, services and benefits on other websites and/or social media. Thanks to these cookies, this is done efficiently and improves the customer experience by displaying more suitable advertisements. The following personal data may be processed by Google when CM uses this service: online identification data, including cookie identifiers and device identifiers. For the personal data processed, see: Google Ads Data Protection Terms: Service Information Controller Terms . See also Google's privacy policy for more information .
  • Eloqua
    CM uses Eloqua cookies and pixels to track your surfing behavior from a sent email. The cookies and pixels are used to create or customize unique identifiers to subsequently track your actions on the CM website. The goal is to obtain measurement results about goals set by CM for website users. Another purpose is the personalization of future emails based on pages a website user has visited. See Oracle's privacy policy for more information .
  • Facebook
    With the Facebook pixel, CM can determine target groups who, for example, have visited certain pages of the website and then offer them appropriate advertisements on Facebook. The pixel also ensures that CM can, for example, check how many people have completed a form on its website after clicking on an advertisement. See Facebook's privacy policy for more information .
  • LinkedIn
    With the LinkedIn pixel, CM can determine target groups who, for example, have visited certain pages of the website and then offer them appropriate advertisements on LinkedIn. With the LinkedIn pixel, CM can also find out, for example, how many people have completed a form on its website after clicking on an advertisement. See LinkedIn's privacy policy for more information .

  When managing your Cookie Settings, you can see which advertising cookies CM uses as well as the technical name, host, retention period, type and category of the advertising cookies used.

Manage your cookie settings

You can change the Cookie Settings at any time. In the cookie tool you can also consult which cookies CM uses as well as their technical name, host, retention period, type and category.