Effective Date: May 16, 2018
What are cookies?
Cookies are small files, typically of letters and numbers, downloaded onto your computer or mobile device when you visit certain websites. When you return to these websites, or visit other websites that use the same cookies, the websites recognise these cookies and your browsing device. A cookie cannot read data off of your hard drive or read cookie files created by other websites.
Cookies set by the website operator are called “first-party cookies”. Cookies set by parties other than the website operator are called “third-party cookies”. The parties that set third-party cookies can recognise your computer both when it visits the CFinAG website and when it visits certain other websites and/or mobile apps.
CFinAG treats information collected by cookies and other technologies as non-personal information. However, to the extent that IP addresses or similar identifiers are considered personal information by local law, CFinAG also treats these identifiers as personal information. If CFinAG combines non-personal information with personal information, the combined information will be treated as personal information for as long as it remains combined.
More information on cookies and their use can be found at www.aboutcookies.org (http://www.aboutcookies.org) and at www.allaboutcookies.org (http://www.allaboutcookies.org).
When you access CFinAG’s Services, CFinAG, or companies CFinAG works with, may place cookies on your computer or other device. These technologies help CFinAG better understand user behaviour, and inform CFinAG about which parts of CFinAG’s websites people have visited.
CFinAG uses first-party and third-party cookies to recognise you as a CFinAG customer, customise CFinAG Services, content, and advertising to measure promotional effectiveness, and to collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.
The following are some examples of non-personal information that CFinAG collects and how CFinAG may use it:
- CFinAG may collect and store details of how you use CFinAG’s Services. Except in limited instances to ensure quality of CFinAG’s Services over the Internet, such information will not be associated with your IP address.
- CFinAG may collect information such as your language, post code, area code, unique device identifier, referrer URL, location, and the time zone so that CFinAG can better understand customer behaviour and improve CFinAG’s Services.
- CFinAG may collect information regarding customer activities on CFinAG’s website, which is used to understand which parts of CFinAG’s Sites and Services are of most interest. This data is aggregated and thus considered non-personal information.
What types of cookies does CFinAG use?
CFinAG uses the following types of cookies:
Strictly Necessary Cookies
These cookies are essential because they enable you to move around within CFinAG’s Services and use certain features of CFinAG’s Services. For example, strictly necessary cookies allow you to access secure areas. Without these cookies, some Services cannot be provided.
These cookies collect information about how you use a website. For example, a performance/analytics cookie will collect information about which pages you go to most often, how much time you spend on that page, or if you get error messages from certain pages. These cookies do not gather information that identifies you. The information these cookies collect is anonymous and is only used to improve how CFinAG’s Services work.
These cookies allow CFinAG to remember the choices you make and to tailor CFinAG’s Services so CFinAG can provide relevant content to you. For example, a functionality cookie can remember your preferences (e.g., country or language selection), or your username.
CFinAG uses session cookies when you access CFinAG’s website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser.
How long will cookies stay on my browsing device?
The length of time a cookie will stay on your browsing device depends on whether it is a “persistent” or a “session” cookie. Session cookies will only stay on your device until you stop browsing. Persistent cookies stay on your browsing device until they expire or are deleted (i.e., after you have finished browsing).
What other similar technologies does CFinAG use?
In addition to cookies, CFinAG may use other similar technologies, such as web beacons to track users of CFinAG’s Services. Web beacons, or “clear gifs,” are tiny graphics with a unique identifier, similar in function to cookies. They are used to track the online movements of web users.
In contrast to cookies, which are stored on a user’s computer hard drive or device, clear gifs are embedded invisibly on web pages and are about the size of the period at the end of this sentence. CFinAG and CFinAG’s third-party service provider employ web beacons for the reasons stated above (under “Cookies”), but primarily to help CFinAG better manage content on CFinAG’s Services by informing CFinAG which content is effective.
CFinAG may also use so-called “Flash Cookies” (also known as “Local Shared Objects or “LSOs”) to collect and store information about your use of CFinAG’s services, fraud prevention, and for other site operations.
Does CFinAG use advertising cookies?
CFinAG may use third-party service providers to display advertising on CFinAG’s Services, and serve advertising on other third-party sites that are more relevant to you or your interests. They are also used to limit the number of times you see an advertisement, as well as to help measure the effectiveness of the advertising campaign. They remember that you have visited a website and this information may be shared with other organisations, such as advertisers. This means that after you have been to CFinAG’s website, you may see some advertisements about CFinAG’s Services elsewhere on the Internet. The information collected through this process by the third-party service providers does not enable CFinAG or them to identify your name, contact details, or other personal information that directly identifies you, unless you choose to provide these. Such advertising will only be delivered where permitted by applicable law.
How to manage cookies, similar technologies, and targeted online mobile advertising?
You have the right to decide whether to accept cookies. You can exercise your preferences in relation to cookies served on CFinAG’s website by taking the steps outlined below.
CFinAG’s Cookies (or, “First-Party Cookies”). You can use the browser with which you are viewing this website to enable, disable, or delete cookies. To do this, follow the instructions provided by your browser (usually located within the “Help”, “Tools”, or “Edit” settings). Please note, if you set your browser to disable cookies, you may not be able to access secure areas of the website. Also, if you disable cookies, other parts of the Services may not work properly. You can find more information about how to change your browser cookie settings at http:llwww.allaboutcookies.org (http://www.allaboutcookies.org).
Third-Party Cookies. To opt out of third-party advertising networks and similar entities that use targeting/advertising cookies, go to http://www.aboutads.info/choices (http://www.aboutads.info/choices). Once you click on the link, you may choose to opt out of such advertising from all participating advertising companies or only advertising provided by specific advertising entities. For more information about third-party advertising networks and similar entities that use these technologies, please see http://www.aboutads.info/consumers (http://www.aboutads.info/consumers).
Do Not Track. Some Internet browsers – such as Internet Explorer, Firefox, and Safari – include the ability to transmit “Do Not Track” or “ONT” signals. Since uniform standards for “ONT” signals have not been adopted, CFinAG’s website does not currently process or respond to “ONT” signals.
Flash Cookies. If you do not want Flash cookies stored on your computer, you can adjust the settings of your Flash player to block Flash cookies storage using the tools contained in the website storage settings panel. You can also control Flash cookies by going to the global storage settings panel and following the instructions. Setting Flash Player to restrict or limit acceptance of Flash cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with CFinAG’s Services or online content.