Cookie Policy

BY USING OUR SITE OR ENTERING YOUR DETAILS TO ACCESS AREAS RESERVED FOR REGISTERED USERS, YOU AGREE THAT LIBERTY CAN PLACE COOKIES ON YOUR COMPUTER OR YOUR INTERNET ENABLED DEVICE.

COOKIE POLICY
By accessing and using the Site you indicate that you accept Liberty’s use of cookies in the manner as described under this policy. In this Cookie Policy, "Liberty" means Liberty International Insurance Limited.

A cookie is a small text file that is placed onto your computer (or other electronic devices) when you access our Site. We use cookies on this Site to:

• recognise you whenever you visit the Site (this speeds up and personalises your access to the Site)
• collect basic information about the way you have used the Site
• carry out research and statistical analysis to help improve our content, products, and services and to help us better understand our visitor AND/OR customer requirements and interests; and
• make your online experience more efficient and enjoyable

The information we obtain from our use of cookies will not usually contain your personal data. Although we may obtain information about your computer or other electronic devices such as your IP address, your browser and/or other internet log information, this will not usually identify you personally. In certain circumstances, we may collect personal information about you - but only where you voluntarily provide it (e.g. by completing an online form) or where you purchase goods or services from us. In most cases, we will need your consent in order to use cookies on this website. The exception is where the cookie is essential in order for us to provide you with a service you have requested.


CONSENT TO COOKIES 
If you visit our Site when your browser is set to accept cookies, we will interpret this as an indication that you consent to our use of cookies and other similar technologies as described in this cookie policy. If you change your mind in the future about letting us use cookies, you can modify the settings of your browser to reject cookies or disable cookies completely.

On our Site, a notification banner will appear requiring your consent to collect cookies, which also provides a link to our Site’s privacy policy. If you use this Site after this notification has been displayed to you, we will assume that you consent to our use of cookies for the purposes described in this cookie policy and our website privacy policy.

Please note that, if you choose to block all cookies (including essential cookies) you may not be able to access all or part of our Site and may be unable to use those services or engage in activities that require the placement of cookies. Although most browsers automatically accept cookies, you can choose whether or not to accept cookies via your browser's settings (often found in your browser's Tools or Preferences menu). You may also delete cookies from your device at any time. Further information about managing cookies can be found in your browser's help file or through sites such as www.allaboutcookies.org.


HOW DO WE USE COOKIES 
When you use our Site, Liberty will record anonymous statistics about your visit. Our service providers may make a record of your visit that includes but not limited to IP addresses (and domain names), the types and configurations of browsers, language settings, geo-locations, operating systems, previous sites visited, and time/duration and the pages visited. Liberty uses this information to better understand website usage in the aggregate so that we know what areas of our Site users prefer. This information is stored in log files and is used for statistical reporting and in limited circumstances to prevent fraudulent claims.

The cookies may also allow Liberty to record additional information on the Site you have visited and the contents of those webpages, any information you input, your referring URL or IP address, your time of the visit and related session information, your requested page, web browser type, USR agent, the status of the request (successful reply), cookies, number of bytes in the response, and query string and any information or technical detail your browser is sending to us.


WHAT AND HOW DO WE USE COOKIES? 
 

• What and how do we use Cookies?

  In some instances, we, and our third-party service providers may use, cookies, web beacons and other technologies to automatically collect certain types of information when you visit us online, as well as through emails that we may exchange. The collection of this information allows us to customise your online experience, improve the performance, usability, and effectiveness of Liberty’s online presence, and to measure the effectiveness of our marketing activities. Other third-party tools and widgets may be used on our Site to provide additional functionality. Use of these tools or widgets may place a cookie on your device to make their service easier to use, and ensure your interaction is displayed on our webpages properly.
   

• IP Addresses

  An IP address is a number assigned to your computer whenever you access the internet. It allows computers and servers to recognise and communicate with one another. IP addresses may be recorded by us for IT security and system diagnostic purposes. This information may also be used in aggregate form to conduct web site trend and performance analysis such as identifying the number of unique visitors to our Site and geographic origin of visitor trends.
   

• Classifications of Cookies:

  • Cookies that are defined as “strictly necessary” are required to help keep data safe. They allow you to move between different pages on our Site. They also help to keep your details secure; and

  • Cookies that are defined as “not strictly necessary”. This type of cookie helps us improve the performance of our Site. They tell us how pages are used, which ones are commonly viewed and help us piece together a full picture of a typical visitor’s journey through the Site. They also tell us if any errors occur.
     

• Cookie Purposes

  There are three types of uses on our Site which falls under the above classifications:
  
  Below is a list of the Purposes of the cookies used on our Site: 

  Purpose	Description	Type & Expiry
  Performance (i.e. User's Browser)	Our Site uses Internet platforms with built-in cookies which help compatibility issues (e.g. to identify your browser type) and improves performance (e.g. quicker loading of content).	Persistent, but will delete automatically after two years
  Security (e.g. Asp .NET) Cookies	If you register for access to a restricted area of our Site, such as a members section, our cookies ensure that your device is logged for the duration of your visit. You will need your username and password to access the restricted areas.	Persistent, but will delete automatically after two years
  Site Preferences	Our cookies may also remember your site preferences (e.g. language) or seek to enhance your experience (e.g. by personalising a greeting or content). This will apply to areas where you have registered specifically for access or create an account.	Persistent, but will delete automatically after two years
  Analytical	We use several third-party analytics tools to help us understand how site visitors use our web site. This allows us to improve the quality and content of our visitors. The aggregated statistical data cover items such as total visits or page views, and referrers to our web sites. More information about how Google Analytics is used by Liberty can be found here:  http://www.google.com/analytics/learn/privacy.html.	Persistent, but will delete automatically after two years
  Social Media, Widgets, mobile applications	We use third-party social media widgets or buttons to provide you with additional functionality to share content from our web pages to social media websites and email. Use of these widgets or buttons may place a cookie on your device to make their service easier to use, ensure your interaction is displayed on our webpages (e.g. the social share count cache is updated) and log information about your activities across the Internet and on our Site. We encourage you to review each provider's privacy information before using any such service.	Persistent, but will be deleted automatically after two years

  This Site may link through to third-party websites, including websites of companies within the Liberty Mutual Insurance Group, which may also use cookies which Liberty has no control, or responsibility for, those companies or their use of your information. Liberty recommends you check the relevant third-parties’ privacy policies for information about any cookies that they may use.

  • Session. Cookies are alphanumeric identifiers that are stored by your web browser on your hard-drive. Our Site may use cookies; for example to provide personalised services and/or maintain your identity across multiple pages within or across one more session. You do have a choice whether or not to accept the cookie, however, if you reject the cookie or if cookies are disabled on your web browser, some parts of the web site may not be operable.

  • Statistics. By using our Site, Liberty is able to log general statistical information of our visitors through the use of tools such as Google Analytics. This record of your visit includes information such as domain name, IP address, browser type and configuration, geo-location, language settings, operation system, previous sites visited, and duration of page visits. If you want to prevent the data from being used by Google Analytics, you can use “Google Analytics opt-out browser add-on”. For details, you can refer to https://tools.google.com/dlpage/gaoptout/.

  • Logs. By using our website, Liberty is able to log general statistical information (from log files) such as the domain name, IP address, and browser type of our web site visitors. With the information gathered, we are better able to create a customised experience for your visit to our web site. The log file information does not contain personally identifiable information, such as name, address, phone, etc.

CHANGES TO OUR COOKIE POLICY
From time to time, we may need to change this cookie policy. For instance, we may need to do so to reflect any changes in our technology or laws or our policies. Any updates or changes that may affect how we use cookies or how you as a user can manage cookies will appear in this Policy. We reserve the right, at our sole discretion, to change, modify or remove part of the cookie policy at any time. You are bound by any such revisions if you continue to use the Site. We suggest you periodically visit this page to review the most recent updated version in force as the updated version applies to each use of the Site.


CONTACTING LIBERTY 
If you have any questions, comments, and requests regarding this cookie policy, please contact us at enquiry@libertymutual.com.hk.

In the event of any discrepancy or inconsistencies between the English and Chinese versions of this notice, the English version shall prevail.