Effective: 25 January 2021
After your initial visit to this website, we may change the cookies we use. You may at any time utilize our Cookie Management Tool to understand who is placing cookies and for what purpose, and to disable or change your cookie designations, so you should check the tool from time to time.
WHAT IS A COOKIE
There are different kinds of cookies with different functions:
(i) Session cookies: these are only stored on your computer during your web session. They are automatically deleted when the browser is closed. They usually store an anonymous session ID allowing you to browse a website without having to log in to each page. They do not collect any information from your computer.
(ii) Persistent cookies: a persistent cookie is one stored as a file on your computer, and it remains there when you close your web browser. The cookie can be read by the website that created it when you visit that website again.
(iii) First-party cookies: the function of this type of cookie is to retain your preferences for a particular website for the entity that owns that website. They are stored and sent between Marsh’s servers and your computer’s hard drive. They are not used for anything other than for personalization as set by you. These cookies may be either Session or Persistent cookies.
(iv) Third-party cookies: the function of this type of cookie is to retain your interaction with a particular website for an entity that does not own that website. They are stored and sent between the Third-party’s server and your computer’s hard drive. These cookies are usually Persistent cookies.
For information on all of these categories of cookies, and for more information generally on cookies please refer to allaboutcookies.org
Where Strictly Necessary
These cookies are essential in order to enable you to move around the Site and use its features, such as accessing secure areas of the Site. Without these cookies, services you have asked for, such as obtaining a quote or logging into your account, cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.
These cookies allow our Site to remember choices you make (such as your username, language or the region you are in) and provide enhanced features. For instance, a Site may be able to remember your log in details, so that you do not have to repeatedly sign-in to your account when using a particular device to access our Site. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customize. They may also be used to provide services you have requested such as viewing a video or commenting on an article. The information these cookies collect is usually de-identified. They do not gather any information about you that could be used for advertising or remember where you have been on the internet.
These cookies collect information about how visitors use a Site, for instance which pages visitors go to most often, and if they get error messages from web pages. They also allow us to record and count the number of visitors to the Site, all of which enables us to see how visitors use the Site in order to improve the way that our Site works. These cookies do not collect information that identifies a person, as all information these cookies collect is anonymous and is used to improve how our Site works.
These cookies are used for the purpose of displaying advertisements that will be relevant to you and for managing the performance of advertisements. Advertising cookies are generally third-party cookies and may be present even if there is no advertising in use on the site.
The Site may also use web beacons (including web beacons supplied or provided by third parties) alone or in conjunction with cookies to compile information about users’ usage of the Site and interaction with e-mails we send. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Site tied to the web beacon, and a description of a Site tied to the web beacon. We use web beacons to operate and improve the Sites and e-mail communications. We may use information from web beacons in combination with other data we have about our clients to provide you with information about our and our affiliates services. We will conduct this review on an anonymous basis.
When you visit our Sites, we collect your Internet Protocol (“IP”) addresses to track and aggregate non-Personal Information. For example, we use IP addresses to monitor the regions from which users navigate the Sites. IP addresses will be stored in such a way so that you cannot be identified from the IP address.
HOW TO MANAGE COOKIES
Please click the “Manage Cookies” link at the bottom of the page to opt in or out of certain cookies using our Cookie Consent Manager.
COOKIES POLICY DOES NOT COVER THIRD PARTY WEBSITES
When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit. We recommend you read their policies as we are not responsible or liable for their privacy practices.
CHANGES TO THE COOKIES POLICY
We may update this policy occasionally and we encourage you to review the policy from time to time to stay informed of how we are using cookies. We post the effective date of the policy at the top of the page.
SUMMARY OF COOKIES USED
Please click on the Cookie Management link below to access our Cookie Consent Manager and to find an explanation of the individual cookies used on this Site.