Cookie Policy

Like most websites, we use cookies. A cookie is a small text file that a web server can store on any internet abled device – for example, a computer, smartphone or tablet. Cookies allow websites to store information on the user's device and to retrieve such information at a later date. They are not programmes and therefore cannot “do” anything on the computer. A website can only retrieve the information that it has placed on the computer. It does not have access to any other cookie files or to any other information on the computer.

For example, the text file or cookie may be an individual identification number that the website assigns to a computer. This identification number is sent to the website if the computer accesses the website again. This is how website operators collate their visitor numbers and statistics.

In addition to cookies, our website uses similar technologies such as web beacons, pixel tags, flash objects and other automated data collection tracking technologies. The common factor between these technologies is that they may store or access information on your device, and further information on their specific functions are set out below. Except where context requires, references in this cookie policy include references to similar technologies that may imitate the functions of cookies.  

The information set out in this policy is provided in addition to our Master Privacy Policy, which provides comprehensive information about how we use your personal information both on this website and offline.  You can read our Master Privacy Policy here: https://www.chubb.com/uk-en/footer/privacy-policy.html.

Why are cookies important for the use of Chubb websites?

We use cookies to improve the functionality of this website and to track information about how the website is used in order to continually improve it and personalise it to user preferences.  In particular:

1.    Cookies enable an individually tailored use of the websites. Some functions on our websites cannot be used without cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the website.

2.    We are unable to monitor visitor numbers for our website without cookies. Security and fraud risks on our site increase without this information, which is something we wish to avoid.

3.    Cookies allow us to check how users access and navigate our site. This is very important in order to make the website better and more user friendly.

Please note that cookies can only read the identification number created by the random generator on your computer and can only retrieve information that is directly related to the Chubb website. 

Types of Cookies

Cookies set by us are called first-party cookies. We also use third-party cookies – which are cookies from a domain different than the domain of the website you are visiting.

Depending on how long a Cookie remains on your device, we can describe Cookies as either "persistent" cookies or "session" cookies.  This website uses 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 this 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 this 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.  This website uses both persistent and session cookies.

It is also important to be aware that some cookies (which are generally session cookies) are what is known as strictly necessary.  Strictly necessary cookies enable you to move around the website and use features which you have explicitly requested.  You can disable other forms of cookie whilst allowing strictly necessary cookies.

A complete list of the cookies we use is set out in at the end of this policy.  This list (together with the rest of this policy) is subject to change from time to time.

Other technologies

Pixel tags / web beacons

Pixel tags (also called web beacons) are tiny graphic images and small blocks of code placed on website pages, ads, or in emails that allow us to determine whether you have performed a specific action. When you access the pages or you open an email, the tag lets us know you have accessed the web page or opened the email. These tools allow us to measure response to our communications and improve our web pages and promotions.  Unlike cookies, some pixel tags do not store any information on, or access information stored on, your device.  This means that we may not need your consent to use pixel tags, even where they are not essential to display or operate the website.

Server logs

Server logs record activities on our websites. These logs record information about the device you use to access our website, your operating system type, browser type, domain and other system settings, as well as the language your system uses and the country and time zone where your device is located. Our logs also record the IP address of the device you use to connect to the Internet. An IP address is a unique identifier that devices require to identify and communicate with each other on the Internet. We may also collect information about the website you were visiting before you came to Chubb and the website you visit after you leave our site. We may use these logs for internal purposes, such as website administration, optimization and security. We may also use the data for fraud-protection, personalization and advertising.

Device identifiers

We collect device identifiers and other device-related information, including your device’s advertising ID if available. This information is used to identify the device and authenticate you. We may also use device-related information to associate you with different devices that you may use, including for fraud-protection purposes and to better target advertising. In many cases, you can reset your device’s advertising ID. Your device may enable you to reset your device identifier under your device’s “Settings” menu.  

Retargeting

This website makes use of retargeting technologies that are administered by other operators. Through retargeting, users of our website who have shown an interest in our services can be approached with personalized advertisements. The targeting of advertisements is based on the analysis of cookies that display a user's conduct. If you do not agree with this form of advertising, please disable Targeting Cookies.

Your Cookie Choices

You can enable or disable different categories of cookies by clicking on Cookie Settings in cookie pop up message. This allows you to reject the placement of all cookies (except strictly necessary cookies).  You can also delete cookies which have already been placed on your device by adjusting your browser settings. Visit the “Help” section of your browser (for example, Microsoft Edge, Mozilla Firefox, Google Chrome or Apple Safari) for how to manage cookie settings.

Please remember that disabling or deleting some or all cookies may prevent some web services (including on this website) from functioning correctly, and may lead to a less smooth or less personalised browsing experience. 

You may disable the use of Google Analytics by using the link disable Google Analytics. This link creates an opt-out cookie which prevents the further processing of your data. For more information about Google Analytics cookies, please see Google’s help pages and privacy policy.

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

If you are in Europe or the UK, the European Interactive Digital Advertising Alliance (“EDAA”) offers a similar service called Your Online Choices https://www.youronlinechoices.com.
 

April 2024