Effective date: September 2021

We use cookies and related tracking technologies, including web beacons, tracking pixels, and log files (collectively, "cookies") on this website to distinguish you from other users, evaluate and improve the functionality of the website and our services, and provide you with a good experience.  

What is a cookie

Cookies are pieces of information shared between your web browser and a website. some cookies are necessary to make the website work, others help us evaluate and improve its performance. we also use cookies to help us provide you with relevant content, products and services. a cookie cannot read data from your computer's hard drive. there are different types of cookies with different functions:

Session cookies: These cookies are only stored on your computer for the duration of your web session. they are automatically deleted when you close your browser. they typically store an anonymous session id that allows you to browse a website without having to log in to each page. they do not collect any information from your computer.
Persistent cookies: These cookies are stored as a file on your computer and remain there when you close your web browser. they can be read by the website that created them when you visit the website again.
First-party cookies: These cookies are created by our company. they are stored and sent between our servers and your computer's hard drive. these cookies can be session or persistent cookies. these cookies are stored as a file on your computer and remain there when you close your web browser. they can be read by the website that created them when you visit the website again.
Third-party cookies: These cookies are created by one of our independent partners. they are stored and sent between the server of that third party and your computer's hard drive. these cookies are usually persistent cookies.

How and why we use cookies

Depending on the website, we may use cookies for the following purposes:

Where strictly necessary

These cookies are essential for you to be able to navigate the website and use its features, such as accessing secure areas of the website. without these cookies, the services you have requested, such as getting a quote or logging in with your account, cannot be provided. these cookies do not collect information about you that can be used for marketing purposes or to know what sites you have visited on the internet.
Functional

These cookies allow our website to remember choices you make (such as your username, language, or the region you are in) and to provide you with enhanced features. for example, a website may remember your login details, so that you do not have to log in to your account again when you use a particular device to access our website. these cookies may also be used to remember changes you have made in relation to text size, font and other parts of web pages that you can customise. they may also be used to provide services that you have requested, such as watching a video or commenting on an article. the information collected by these cookies is usually not identified. they do not collect information about you that can be used for advertising purposes or to know what sites you have visited on the internet.
Analytical

These cookies collect information about how visitors use a website, for example, which pages visitors access most often and whether they receive error messages from web pages. they also allow us to record and count the number of visitors to a website, and that allows us to see how visitors use the website to improve the way our website works.
Advertising

These cookies are used for the purpose of displaying advertisements that may be relevant to you and to manage the performance of the advertisements. advertising cookies are generally third-party cookies and may be present even if there is no advertising in use on the website.
Ip addresses

When you visit our website, we may collect your internet protocol ("ip") addresses to track and collect non-personal information. for example, we may use ip addresses to understand the regions from which users browse the website.

How to manage cookies

Click on the "manage cookies" link at the bottom of the page to accept or decline to accept certain cookies using our cookie consent manager. please note that you will not be able to refuse the use of strictly necessary cookies, so websites that only use such cookies may not provide this link.

You can also disable certain cookies through apple's safari browser settings (as described here), google chrome (as described here), internet explorer (as described here), and mozilla firefox (as described in the describe here)

Cookie notice does not cover third party websites

When we include links to other websites, you should be aware that those sites will have their own privacy and cookie policies that will govern the use of any information you submit. we encourage you to read their policies, as we will not be responsible for their privacy practices.

Changes to the cookie notice

We may update this notice from time to time and encourage you to review the policy periodically to be informed about how we are using cookies. we post the effective date of the policy at the top of the page

Description of cookies used

Please click on the "manage cookies" link at the bottom of the website for detailed information about the individual cookies used on the website. this link may not be available if we only use strictly necessary cookies on the website.

If you have any questions about this cookie notice, please contact us as indicated in our legal notice.

Cookie policy