Cookie policy

We use cookies on our websites, platforms or third party websites where we display these pages. Below you will find more information about cookies and how to control them. By using our website, and/or service you accept the use of cookies in accordance with this Cookie Policy. If you do not accept the use of these cookies please disable them following the instructions in this Cookie Policy, for instance by changing your browser settings so that cookies from this website cannot be placed on your device.

What terms do we use in this Cookie Notice?

  • We use the term “User” to refer to the users of our websites, online pages and services.
  • We use any of the term “you”, “your” and “yours” to refer to the User who is reading this Cookie Policy.
  • We use any of the terms “we”,“us”, “our” and “Vanbreda’ to refer to Vanbreda Risk & Benefits NV and all of its affiliates worldwide. The data controller is Vanbreda Risk & Benefits NV with its registered office at Plantin en Moretuslei 297, 2140 Antwerp, Belgium, company number 0404.055.676.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise a user’s device.

Cookies do many different jobs, such as allowing you to navigate between pages efficiently, remembering your preferences, and generally improving the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

Certain cookies contain personal information – for example, if you click to “remember me” when logging in, a cookie will store your username. Most cookies will not collect information that identifies you, and will instead collect more general information such as how users arrive at and use our websites, or a user’s general location.

There are mainly four kinds of cookies:

  • Session cookies last only for the session. They are erased when the user closes the web browser.
  • Persistent cookies remain even after the session is closed. They are stored on a user’s hard drive until they expire (persistent cookies are set with expiration dates) or until the user deletes the cookie. Persistent cookies may be used to collect identifying information about the user, such as web surfing behaviour or user preferences for a specific website.
  • First-party cookies belong to the site where you chose to go.
  • Third-party cookies are fetched from a site whose content is retrieved indirectly for example through an image tag or a banner.

The majority of browsers support them (Internet Explorer, Mozilla Firefox, Google Chrome, Safari, etc.). However, you can set your browser to decline cookies, or you can delete your cookies at will.

What cookies do we use?

Generally, our cookies perform up to four different functions:

1. Essential cookies
Some cookies are essential for the operation of our website. For example, some cookies allow us to identify the user and ensure the user can access the registration or log in pages . These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet. This category should not be disabled. If a user opts to disable these cookies, the user will not be able to access all of the content that such pages entitles them to.

2. Performance and analytics cookies
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies do not collect information that identifies you. All the information that these cookies collect is anonymous and is only used to improve how a website works.

3. Functionality cookies
We may use functionality cookies to allow us to remember your preferences. For example, cookies save you the trouble of typing in your username every time you access the site, and recall your customization preferences, such as which regional edition of the website you want to see when you log in. We may also use functionality cookies to provide you with enhanced services such as allowing you to watch a video online or comment on a blog.

4. Share Buttons
Our websites may carry embedded ‘share’ buttons to enable Users to easily share articles with their contacts through third party websites such as Facebook, Twitter and LinkedIn. Twitter and LinkedIn may use session cookies and persistent cookies, introduced by the share buttons, to improve their service including understanding user interaction, monitor aggregate usage and web traffic routing. For more information visit Facebook’s privacy policy page, Twitter’s privacy policy page and LinkedIn’s privacy policy page.

How can I control or delete cookies?

You can enable, disable or delete cookies at browser level. In order to do this follow the instructions provided by your browser (usually located within the “Help”, “Tools” or “Edit” facility). Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser. Please remember that if you do choose to disable cookies, you may find that certain sections of our website do not work properly.

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