(Last Updated: 25 May 2016)
IMPORTANT NOTICE: PLEASE READ CAREFULLY BEFORE USING THIS WEBSITE OR CITCO SERVICES.
The Citco Group Limited and its member companies (collectively, “Citco”) may periodically collect information from you through the use of “cookies” and similar online tracking tools across our websites and online services in order to provide better service, enhance the user experience, store online preferences, track usage of our websites and services, tailor marketing of goods and services to you, or generally improve/update data security.
By accessing the website or online services provided by Citco you acknowledge that you have read, understand, and agree to the placement of cookies on your computer or mobile device in accordance with the terms of this policy. If you do not wish to accept cookies from our websites or services please either disable cookies or refrain from using this website; however, please note that deleting cookies, refusing or disabling their use when visiting Citco websites or using our online services may have an impact on the user experience as parts of the website(s) or services may no longer work.
1. What are Cookies
A web, internet or browser “cookie” is a small text file of data sent from a website which the browser stores locally on the user’s computer or mobile device. User-stored cookies are then sent back to the originating website on each subsequent visit, or to another website or service that recognizes that same cookie. Effectively, cookies enable the website to recognize a user’s device and remember certain preferences and other user-specific information, including, without limitation, login credentials, selected language, font size, display settings and preferences, so the user does not have to re-enter the same details when returning to the website. In addition, cookies can also help recommend specific content that the site operator believes may be most relevant to the particular user.
For more detailed information about cookies, feel free to visit: www.allaboutcookies.org.
2. Types of Cookies
Although there may be a variety of different cookies that perform different functions, such as, session management, personalization, and tracking, generally, there are two main types of cookies: (i) those whose attributes will match the domain shown in the web browser’s address bar, known as “first-party cookies”, and (ii) those whose attributes belong to different domains from the ones shown in the address bar, known as “third-party cookies”, which typically appear when web pages feature content, such as banner advertisements, from external websites.
In addition, cookies can be further categorized by the lifespan of the cookie; e.g., how long the cookie remains installed on the user’s computer or device. These are known as “session” or “persistent” cookies.
2.1 Session Cookies.
Session cookies (also known as in-memory cookies or transient cookies) are temporary cookies only used while the user navigates the website and they expire (deleted from the user’s computer or mobile device) at the end of a browser session; i.e., when the user leaves the website. Session cookies allow the website to recognize the user as they navigate between pages during a single browser session and allow users to use the website more efficiently. For example, a web server for an e-commerce website site might use session cookies containing unique session identifiers to keep track of which user is assigned to which shopping cart. This session cookie would be sent to the site’s web server each time the user visits a new page on the website so the server knows which shopping cart to display to the user.
2.2 Persistent Cookies.
Persistent cookies are those which remain on the user’s computer or device for a pre-determined period of time. For the persistent cookie’s lifespan (as determined by the site operator), the information from the persistent cookie will be transmitted to the webs server every time the user visits the cookie’s originating website or every time the user views a resource belonging to that website from another website that recognizes the same cookie (i.e., an advertisement).
2.3 Third Party Cookies.
In addition to first-party session and persistent cookies, third-party cookies may be used to enable functionality of third-party services (i.e. media players) and/or provide third-parties with information. For example, websites may use, embed or provide third-party content or use services hosted by third-parties (i.e. Google Analytics, WebTrends, etc . . .) to collect and retrieve aggregated performance-related information (i.e. bandwidth or traffic data) pertaining to the website or otherwise to assist in the provision of third-party content or services to users. These services may collect information sent by a browser as part of a web page request, including IP addresses or cookies. If third party services collect information, they usually do so anonymously and in the aggregate to provide information helpful to the service provider such as website trends, without identifying individual visitors. Generally, third party cookies help with market research, revenue tracking, improving site functionality and monitoring compliance with terms and conditions and copyright policies.
Local Shared Objects (otherwise known as ‘Flash cookies’) is another example of a type of third party cookie used to manage basic permissions relating to the embedded service like media players (i.e. YouTube, Adobe Flash, Shockwave, etc.) and to check/monitor bandwidth or resource consumption. Flash cookies are stored on a user’s computer much the same way as cookies are, however, it may not necessarily be possible to manage them at browser level. For more information on disabling Flash cookies, see section 4 below.
3. Cookies Used by Citco
Depending on the Citco website or portion thereof you might visit, cookies we use may either be (i) essential for the use of the site, (ii) intended to monitor and enhance overall performance of the website, (iii) functional to provide you with more personalized features tailored to you, or (iv) used for targeting content we believe may be relevant to you.
3.1 Essential Cookies.
Examples of essential cookies might include (without limitation):
- user‑input cookies (session-ID), such as first‑party cookies to keep track of the user's input when filling online forms, shopping carts, etc., for the duration of a session or, if a persistent cookie, limited to a few hours in some cases;
- authentication cookies, to identify the user once logged in, for the duration of a session;
- user‑centric security cookies, used to detect authentication abuses, for a limited persistent duration;
- multimedia content player cookies, used to store technical data to play back video or audio content, for the duration of a session;
- load‑balancing cookies, (performance-based) for the duration of session;
- user‑interface customization cookies, such as language or font preferences, for the duration of a session (or slightly longer);
- third‑party social plug‑in content‑sharing cookies, for logged‑in members of a social network.
3.2 Performance Cookies.
Examples of performance-related cookies might include (without limitation):
- referrer URL - used to store the URL of the previous page visited (or the URL which referred a visitor to our website). Allows Citco to track how visitors navigate through our website (internally) or to know which third-party websites are referring visitors to our website.
- URL history - used to store the page visited by a user before that user submits a form or to display recently viewed content to each visitor.
- unregistered visitor Cookie - a unique identifier given to each visitor to allow analysis on how unregistered visitors use the website.
- session management cookies - cookies that allow Citco to follow the actions of a user during a browser session.
3.3 Functional Cookies.
Citco may use functional cookies that would allow the site to remember choices made by a user (such as a unique user name, particular language, country or region the user may be in) and provide additional or enhanced functionality or more personal features. To the extent applicable and enabled, functional cookies can also be used to remember changes users may have made to text size, font and other parts of customizable web pages. They may also be used to provide services specific to the user such as watching a video or commenting on a blog. Citco may use information collected from functional cookies to identify user behavior and to serve content and information on products and services based on the user’s profile. We may pass or share this information within the Citco Group of companies or with affiliates for marketing or analysis purposes. In most cases, functional cookies we use will not be able to track individuals by name; only if you are a registered-user in a specific user-only area the website would we be able to associate the cookie information with you.
To the extent used by Citco, functional cookies are first-party cookies and will not track users’ browsing activity on other websites. We do not gather any information about you that could be used for online advertising on other sites or to remember where you may have been on the Internet outside of Citco websites.
3.4 Targeting Cookies.
To the extent we use them, these cookies would deliver online advertisements to other websites that we believe may be relevant or of interest to you. They can also be used to limit the number of times you see a particular advertisement as well as help measure the effectiveness of the advertising campaign. Targeting cookies are usually placed by advertising networks that have received our prior approval and consent. These cookies might remember that you had visited a particular site and this information may be shared with other Citco approved organizations such as advertisers.
4. Refusing / Disabling Cookies
You can also disable or delete the stored data used by technology similar to cookies, such as Local Shared Objects or Flash cookies, by managing the browser’s “add-on settings” or visiting the website of its manufacturer. For instance, to disable Flash cookies, please visit http://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html
Alternatively, you may wish to visit www.allaboutcookies.org for comprehensive information on how to disable cookies on a wide variety of browsers. For information on how to disable cookies on the browser of mobile devices you will need to refer to the manufacturer’s user handbook or manual.
While you will have the ability to do so, please be aware that restricting, deleting, refusing or disabling cookies may have an impact on the user experience as parts of the website(s) or services may no longer work.