This is the Cookie Policy of Mitsui Sumitomo Insurance Company (Europe), Limited and its subsidiaries ("MSIEU" "we" "us"). MSIEU is committed to ensuring that your privacy is protected. We aim to be as open and transparent as possible around the information we collect when you visit our website www.msi-europe.com ("Website") including through the use of "cookies".

This policy explains what cookies are and how we use them. It also explains the different types of cookies we use, and how you can change or delete them.

We hope that this policy helps you understand and feel more confident about our use of cookies. If you have any further queries, please address them to The Data Protection Officer, Mitsui Sumitomo Insurance Company (Europe), Limited, 25 Fenchurch Avenue, London, EC3M 5AD, United Kingdom

1. What is a cookie?
 
1.1 Cookies are small text files stored by your browser onto your computer. They are widely used in order to make websites work or work in a better, more efficient way. They can do this because websites can read and write these files, enabling them to recognise you and remember important information that will make your use of a website more convenient (eg by remembering your user preferences) such as your username and password.
 
1.2 Most web browsers automatically accept cookies, but if you do not want information collected this way, there is a simple procedure in most browsers that allows you to deny or accept the cookies feature (please read section 5 below for more details about how to do this).
 
1.3 We may work with third party organisations to provide the services on our Websites. A third party is an organisation which is not hosted at the domain address in your browser when you visit our Websites. These third parties may also use cookies on our Websites and can also place cookies on your browser without you visiting their website directly. If you would like more information about third party cookies, please read section 4 below.
 
1.4 The two types of cookies we use are known as "session" cookies and "persistent" cookies. These may be cookies which we use and/or a third party uses.
 
1.4.1 A session cookie is used each time you visit our Websites to give you a session ID. We use this type of cookie to link your actions on our Websites and each session cookie will only last for a browser session. Each browser session will start when you open your browser window and finish when you close your browser window. After your visit to our Websites all session cookies are deleted. Every time you visit one of our Websites you will have a different session ID.
 
1.4.2 A persistent cookie has a longer lifetime than a session cookie and lasts for the period of time specified in the cookie (this will vary from cookie to cookie). This type of cookie will not be deleted when you close your browser window and will be activated every time you visit our Websites which created that particular persistent cookie.
 
2. What cookies do we use?
 

To help you understand the cookies we use on our Websites, we have classified each cookie as one of the following:

  • strictly necessary cookie;
  • performance cookie; and
  • functionality cookie.
 

Strictly necessary cookies

 
2.1 Why do we use strictly necessary cookies?

These cookies are essential to our Websites in order to enable you to move around and to use the features, such as remembering information you have entered on forms when you move to other pages within a browser session. Without strictly necessary cookies, we may not be able to provide certain services which you have asked for and our Websites will not perform as smoothly as we would like them to for you.

Please see section 3 for details of the strictly necessary cookies we use on our Websites
 
2.2 How do I consent to use of strictly necessary cookies?

Accepting strictly necessary cookies is a condition of using our Websites. If you reject these cookies then we cannot predict how our Websites will perform when you visit them nor guarantee your security.
 
Performance cookies
 
2.3 Why do we use performance cookies? Performance cookies collect information about your use of our Websites and enable us to improve the way it works. For example, performance cookies will show us which are the most frequently visited pages on our Websites, and help us record any difficulties you have with our Websites.

Performance cookies do not collect information that identifies you personally and all information that is collected by these cookies is aggregated and anonymous.

Please see section 3 for details of the performance cookies we use on our Websites.

In some cases, we may use third parties to manage our performance cookies but we do not allow any third party to use these cookies other than for the types of purpose listed in this paragraph. For example, they do not remember information about you for the purposes of targeting adverts at you on other websites
 
2.4 How do I consent to use of performance cookies?

Accepting performance cookies is a condition of using our Websites. If you reject these cookies then we cannot or predict how our Websites will perform when you visit it nor guarantee your security.
 
Functionality cookies
 
2.5 Why do we use functionality cookies?

Functionality cookies allow us to remember the choices you make on our Websites and to provide enhanced and more personal features. We also use functionality cookies to remember changes you have made to our Websites, such as customising a certain webpage and for other services you may request such as watching a video or commenting on a post. All of these features help us to improve your visit to our Websites.

Our functionality cookies will not track your activity on other websites. Please see section 3 for details of the functionality cookies we use on our Websites.

In some cases, we may use third parties to manage our functionality cookies but we do not allow any third party to use these cookies other than for the types of purposes listed in this paragraph. For example, they do not remember information about you for the purposes of targeting adverts at you on other websites.
 
2.6 How do I consent to use of functionality cookies?

You can control our use of functionality cookies. We explain how you can manage the different cookies we use on our Websites at section 4. If you prevent the use of functionality cookies then this may mean that we cannot offer some services on our Websites and may interrupt your enjoyment of it (for example, we may not be able to record your request not to offer you a particular type of service). This may also mean we are limited in the scope of support we can offer you.
 
3. What cookies do we use on our Websites?
 
  The table below set out which cookies are used on each of our Websites.
 
Name Category Purpose Managed by
__utma

__utmb

__utmc

__utmz

__utmv

__utmx
Performance To provide information to us about how our Website is used, we implement Google Analytics web tracking. Google place several cookies on our Website to facilitate this service. By doing this, data about our Website, including your IP address is transmitted to Google's servers for analysis. This information is never shared with anyone else and is never used to identify individual users. Google Analytics managed by Stuff Mulitchannel

http://www.stuffmultichannel.com/
PHPSESSID Essential This cookie is an essential requirement to save data on the contact forms between the initial "submit" step and the following validation on the server. It is deleted at the end of the session (when the browser is closed) and is never used to identify an individual. Stuff Mulitchannel

http://www.stuffmultichannel.com/
COOKIEACCEPTED Functionality This cookie is used to record if a user has accepted the use of cookies on the website. It lasts for two years. Stuff Mulitchannel

http://www.stuffmultichannel.com/
 
4. Third parties cookies
 
4.1 Third party organisations may use their own cookies or other technologies to collect information about the content of our Websites. We do not have access or control over the cookies placed on our Websites by third parties and use of their cookies is subject to their own privacy policies. We recommend that you review the privacy policies of these third parties.
 
4.2 To disable or reject third party cookies you must go to the relevant third party’s website. We have explained how you can control third party cookies on your browser for the main web browsers at section 5.
 
5. How do I manage cookies?
 
5.1 You can control which cookies you get and which you keep on your browser. Unless you have adjusted your browser settings so that it will refuse our cookies, our system will issue cookies when you visit our Websites.
 
5.2 Many web browsers can be set up to ask for your prior consent before an individual cookie is set on your browser. This will give you control over your cookies but may interfere with your browsing experience ie if you have to accept each cookie on our Websites (and on other websites you visit).
 
5.3 You may refuse to accept our cookies on your browser at any time by activating the setting on your browser which allows you to refuse cookies. We have included links below to direct you to the pages of the main web browsers sites which provide details about changing your browser settings. For information on how to control cookies on web browsers which are not included below or on other devices which you use to view our Websites (such as on mobile phones and other mobile devices) please refer to your user manual.
 
5.4 Please note that by deleting cookies or disabling future cookies you may be unable to access certain areas or features of our Websites and it will mean that settings such as your stored username and password may have to be reset. If you adjust your cookie settings this will also affect the other websites you visit.
 
5.5 All of the major browsers offer tips and guidance for managing the cookies available on your browser including:
 
6. Where can I get more information about cookies?
 
6.1 6.1 You can find out more information about cookies by visiting the following information websites:

www.allaboutcookies.org
www.yourchoicesonline.eu