Cookies policy

1. INTRODUCTION

1.1

QBE ("QBE", "we", "our", or "us") uses cookies on the https://www.qbe.com ("Website"). The information set out in this policy is provided in addition to our QBE Group privacy statement, and should be read alongside our privacy statement https://www.qbe.com/privacy-policy 

1.2

Cookies are small text files that are placed on your computer or mobile device by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide web services and functionalities for users. We use cookies to provide us with anonymous information on the use of our Website, to know what you find interesting on the Website and to deliver targeted advertising on audio content.

1.3

Most web browsers are set to accept cookies, however, you do not need to have cookies turned on to visit most of the Website.  However, having cookies switched on should allow for a smoother and more tailored browsing experience, and is required for certain parts of the Website's functionality. In the majority of cases, a cookie does not provide us with any personal information. 

1.3.1 Types of Cookies

Cookies may be either "persistent" cookies or "session" cookies. The Website use both persistent and session cookies. 

A persistent cookie consists of a text file sent by a web server to a web browser, which allows us to collect and analyze (on an anonymous basis) traffic and use of the Website, monitor the system and improve operating performance, for example, store your preferences to enhance your subsequent visits. It will not be automatically deleted when the browser is closed but is stored by the browser and will remain valid until its set expiry date (unless deleted by the user before the expiry date). 

A session cookie is essential to ensure the correct functioning of the Website and is used to manage registration/login  and access to reserved features. It is stored temporarily during a browsing session will expire at the end of the user session, when the web browser is closed.  The Website uses both persistent and session cookies. Please contact us https://www.qbe.com/contact-us for a complete and up-to-date list of the cookies which we use on our Website. 

1.3.2 Other Tracking Technologies 

Clear GIFs, pixel tags and other technologies. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, clear GIFs are embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web bugs or pixel tags), in connection with our Website and services to, among other things, track the activities of Website's visitors and  users, help us manage content, and compile statistics about the Website's usage. We and our third party service providers also use clear GIFs in HTML emails to our customers, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.

Third Party Ad Networks. We use third parties such as network advertisers to serve advertisements on our Website, third-party websites or other media (e.g., social networking platforms). This enables us and these third parties to target advertisements to you for products and services in which you might be interested. Third-party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the effectiveness of their ads and to personalize advertising content to you. These third-party cookies and other technologies are governed by each third party’s specific privacy or cookies policy, not this one.

Google Analytics

Our Website uses Google Analytics, a web analytics service provided by Google, Inc. ("Google"). This enables us to evaluate usage of the Website. Google Analytics uses cookies (text files placed on your computer) to help website operators analyse how users use the site. The information generated by the cookie about your use of the Website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Website, compiling reports on website activity for website operators and providing other products relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. Google cookies are governed by Google's privacy and/or cookies policy located at http://www.google.com/analytics/learn/privacy.html

Sharing tools

Our Website uses sharing tools. Sharing tools allow you to share content through social networks such as Facebook or Twitter. When you use one of these buttons, the social networking site may place a cookie on your computer. This would be a third-party cookie set by the social networking site. If you have any questions about the use of these third-party cookies, you should check the relevant social networking site's cookie policy.

1.3.3 Our Use of Cookies

We do not automatically capture or store personal information from browsers to the Website, other than to log your IP address (which in certain circumstances will be your personal data) and session information such as the duration of the visit to our site and the nature of the browser used. This information is used only for administration of the Website and in the compilation of statistics which we use for analysis in order to improve the Website and understand in general terms who uses our Website. 

Cookies may be required to allow you to access and participate in certain areas of the Website. Once you have closed your browser, this type of cookie is deactivated.  Like all cookies, you are able to remove or block particular cookies at any time (see below).

1.3.4 Your Cookie Choices

 The majority of browsers will allow you to alter the settings used for cookies and to disable and enable them as you require.

You can reject all cookies (except strictly necessary cookies) in case you prefer not to receive them, and you can have your computer warn you whenever cookies are being used. You can delete the cookies that are already on your computer and you can set your browser to prevent them from being placed. Disabling cookies may, however, prevent some web services (including on the Website) from working correctly. Please be aware that when you have set your computer to reject cookies, it can limit the functionality of the Website and it is possible then that you will not have access to some of the features on the Website.

To disable cookies, or to receive a warning whenever cookies are being used, you have to adjust your browser settings. You can adjust your browser settings to delete certain cookies. Visit the "help" section of your browser for how to manage your cookie settings, or follow the links below:

Internet Explorer: http://support.microsoft.com/gp/cookies/en 

Mozilla Firefox: http://support.mozilla.com/en-US/kb/Cookies

Google Chrome: http://www.google.com/support/chrome/bin/answer.py?hl=en&answer=95647

Safari: http://support.apple.com/kb/PH5042

Opera: http://www.opera.com/browser/tutorials/security/privacy/ 

For further general information on cookies and more detailed advice on how to disable and enable them please go to http://www.allaboutcookies.org.

Opting-out of Third Party Ad Networks. You have the ability to opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members. Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our Website or on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA’s website at www.aboutads.info or the NAI’s website at www.networkadvertising.org.

Opting out of third party analytics. You can prevent the use of Google Analytics Cookies by adjusting the settings on your browser software, however, you may not be able to fully use all of the functions of the Website if you do so. For more information about and to prevent Google’s collection of data generated by your use of this website (including your IP address) by downloading and installing a Browser Plugin available at https://tools.google.com/dlpage/gaoptout?hl=en.