Use of Our Website and Services

When you visit our websites, use our services, or visit a third party website for which we provide online services, we and our business partners and vendors may use cookies and other tracking technologies (collectively, “cookies”) to recognize you as a user and to customize your online experiences, the services you use, and other online content and advertising; measure the effectiveness of promotions and perform analytics; to mitigate risk; prevent potential fraud and promote trust and safety across our websites and services.

Certain aspects and features of our services and websites are only available through the use of cookies, so if you choose to disable or decline cookies, your use of our websites and services may be limited or not possible.

Like most sites, we use technologies that are essentially small data files placed on your computer, tablet, mobile phone, or other devices (referred to collectively as a “device”) that allow us to record certain pieces of information whenever you visit or interact with our sites, services, applications, messaging, and tools. In addition, to using cookies we may use pixel tags, web beacons, and other web technologies such as CAPTCHA’s to improve our website’s performance, enhance your browsing experience and to protect our website against spam robots.

We may use your personal information and other information collected in accordance with our privacy policy to provide a targeted display, feature, services to you or offer services to you on third party websites. We may use cookies and other tracking technologies to provide our online services and/or work with other third parties such as merchants, advertising, or analytics companies to provide these online services to you.

Where possible, security measures are set in place to prevent unauthorized access to our cookies and similar technologies. A unique identifier ensures that only we and/or our authorized service providers have access to cookie data.

Service Providers

Service providers are companies that help us with various aspects of our business, such as site operations, services, applications, advertisements and tools. We use some authorized service providers to help us to serve you relevant ads on our services and other places on the internet. These service providers may also place cookies on your device via our services (third party cookies). They may also collect information that helps them identify your device, such as IP-address or other unique or device identifiers.

What is a Cookie?

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

Cookies record information about your visit to our websites, allowing us to remember you the next time you visit and provide a more meaningful experience. Cookies may tell us, for example, whether you have visited our website before or whether you are a new visitor.

Cookies are also used for profiling activities to measure and enhance the effectiveness of our marketing and in order to improve our services to you. We also use cookies to secure and verify your use of internet account access.

(a) Cookies may be either be “persistent” cookies or “session” cookies:

1. a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date;
2. a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.

(b) There are two broad categories of cookies:

1. first party cookies, served directly by us to your device; or
2. third party cookies, which are served by a third party on our behalf.

(c) Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from the cookies.

(d) We also use a pop-up notice which only stores your session information, device details and geo-location. The purpose of the pop-up is for users that choose to subscribe, there will be a content drip workflow that periodically provides the user with articles and information related to our services. The article/information page links will appear in the user’s browser while they are browsing at other sites.

(e) You are free to block, delete, or disable these cookies if your device permits so. You can manage your cookies and your cookies preferences in your browser or device settings.

What are Web Beacons?

We occasionally advertise on third party web sites. As part of our effort to track the success of our advertising campaigns, we may at times use visitor identification technology such as “web beacons”, or “action tags”, which count visitors who have come to the website after being exposed to our advertising banner on a third party site. We do not use this technology to access your personal information and it is only used to compile aggregated statistics about visitors who come to the website to gauge the effectiveness of advertising or services.

What are Similar Technologies?

Similar technologies are technologies that store information in your browser or device utilizing local shared objects or local storage, such as flash cookies, HTML 5 cookies, and other web application software methods. These technologies can operate across all of your browsers, and in some instances may not be fully managed by your browser and may require management directly through your installed applications or device. We may use the terms “cookies” or “similar technologies” interchangeably in our policies to refer to all technologies that we may use to store data in your browser or device or that collect information or help us identify you in the manner described above.

How is Your Personal Information Being Collected by Cookies?

Any personal information that we collect and store through use of the similar technologies is first obtained through either notice or consent. The cookies that we use collect personal information directly from you when you interact with us through our public, secured and third party provider websites.

How Do We Use Cookies and Tracking Technologies?

However, if you decline cookies or other similar technologies, you may not be able to take advantage of certain site features, services, applications, or tools. You may also be required to re-enter your password more frequently during your browsing session. For more information on how you can block, delete, or disable these technologies, please review your browser or device settings.

Any personal information that we collect and store through use of these technologies is first obtained through notice and consent: We obtain your consent by providing you with transparent notice of use of the technologies such as this Cookies Policy and our Privacy Policy and providing you with the opportunity to make a choice to disable these technologies as set forth above.

We Use Cookies for the Purposes Outlined Below

Our website uses cookies that perform the below functions as outlined below:

1. Essential/strictly necessary cookies - are essential to the functioning of the website.
2. Performance cookies - which help us measure our website’s performance and improve your experience. In using performance cookies, we do not store any personal data, and only use the information collected through these cookies in and aggregated and anonymised form.
3. Functionality cookies - allow us to enhance your experience (for example by remembering any settings you may have selected).
4. Advertising/targeting cookies - are used by us to track user activity and sessions so that we can deliver a more personalized service, and (in the case of advertising cookies) which are set by the third parties with whom we execute advertising campaigns and allow us to provide advertisements relevant to you.
5. Social media cookies - allow you to share content on social media channels, such as Facebook, Instagram and X.
6. Third party cookies - we utilize cookies on certain pages of our website to communicate with third party data suppliers in order to extrapolate your digital behavior. This help us to understand and target more relevant advertising in the future. The information we receive is all aggregate and anonymous, but will include statistics such as demographics, online behavior, product interests and lifestyle. Targeting and tracking cookies are provided via our trusted third party suppliers.

We Use the Following Cookies on Our Website

Security

Cookies can help secure our users experience by simplifying login, maintaining session integrity or validating content entered into our form fields. We do this to: comply with our legal obligations, identify irregular site behavior, prevent fraudulent activity, effectively manage our business risks, improve security, verify our online customers and carry out other essential security checks to offer you a secure and reliable online service.

Personalize and Improve Your Customer Experience

The cookies are used to remember user preferences or understand traffic to our webpages, identifying you when you sign into our websites, keeping track of your specified preferences, interests, or past items viewed so that we may enhance the presentation of content on our websites. We do this to: help us remember you the next time you visit our websites, help us identify products and services that may be of interest and value to you, tailor our digital content to your likely interest and improve the pages or sites visited by you making them faster or more efficient.

Measurement and Analysis

We use cookies to collect data about users browsing or location to assess the performance of our websites, applications, services, and tools, including as part of our analytic practices to help us understand how our visitors use our websites, determine if you have interacted with our messaging, determine whether you have viewed an item or link, or to improve our website content, applications, services, or tools. This data is stored and analyzed by us. We do this to: effectively manage our business risks and to measure the effectiveness of our marketing, including via third parties, in order to improve our services to you.

Communication

We also use cookies to send segment or targeted messages to you. We do this to: comply with our legal obligations, send you service messages, effectively manage our business risks and send to you other relevant messages.

Marketing and Advertising

We use cookies to launch segment targeted marketing campaigns and to promote or services or websites. We may use first-party or third-party cookies and web beacons to deliver content, including ads relevant to your interests, on our websites or on third party sites. This includes using technologies to understand the usefulness to you of the advertisements and content that have been delivered to you, such as whether you have clicked on an advertisement. We do this to: determine which products or services may be of interest and value to you and to tell you about them as well as advise you of our services and features.

Third Party Ad Networks and Exchange Providers

The third party ad networks and exchange providers that we may use as our service providers may use third-party cookies, web beacons, or similar technologies to collect information about your visit to our site and elsewhere on the Internet. They may also collect your device identifier, IP address, or identifier for advertising. The information that these third parties collect may be used to provide you with more relevant advertising on our sites or elsewhere on the web. The third party cookies are covered by the third-parties’ privacy policies.

How to Control Your Cookies

You have the right to choose whether or not to accept cookies and we explain how you can exercise this right below. However, please note that if you choose to refuse cookies you may not be able to use the full functionality of our website.

You can block cookies by activating the settings on your browser that allows you to refuse the settings of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website. If you accept some or all cookies on the website you still have the option of setting your browser to notify you when you receive a cookie, so that you may determine whether to accept it or not.

Do Not Track is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. Alternatively, to opt out of a third-party’s use of cookies visit the Network Advertising Initiative opt-out page or control the use of device identifiers by using your device’s settings.

To change your web browser preferences:

Google Chrome 
Open your Chrome browser > go to Customize and Control Google Chrome > Settings > Main Menu > Advanced > Privacy and Security > Content Settings > Cookies. Then you can choose your settings.

Safari 
Go to Settings > Safari > Preferences > Privacy. Then you can choose your settings.

Internet Explorer and Edge 
Open the browser > select Tools > Internet Options > Privacy > Advanced. Then you can choose your settings.

Mozilla Firefox 
Open Firefox > select Tools > Options > Privacy >Cookies. You can then choose your settings.

Cookies that Have Been Set in the Past

If you have disabled one or more cookies, we may still use information collected from cookies prior to your disabled preference being set; however, we will stop using the disabled cookie to collect any further information.

Changes to this Policy

This USA Cookie Policy was last updated last 15 September 2024

We will occasionally update this Cookies Policy to reflect changes in our practices and services. When we post changes to this Cookie Policy, we will revise the “Last updated” date at the top of this Cookie Policy. We recommend that you check this page from time to time to inform yourself of any changes in this Cookie Policy or any of our other policies.

If you have any questions in relation to the cookies we use please contact us, via our website.