Date: July 8, 2024
PERILS AG, Marktgasse 3/5, 8001 Zürich, Switzerland, (hereinafter «PERILS» or «we») uses cookies as described in this Cookie Notice. PERILS reserves the right to adapt this Cookie Notice at any time. The current Cookie Notice as published on our website applies.
1. What are Cookies?
When you access or use our website, we may place so-called cookies – small text files – or similar tools on your computer. The information stored may relate to you, your preferences or your device settings and is generally used to make the website work as you expect it to. We use these cookies to recognize you as a user of the website, to customize content, improve the performance of the website and improve its user-friendliness. These cookies may be placed by us or a third party on our behalf.
Any data that is collected in this way will be stored anonymously and used for statistical purposes. PERILS may store cookies on your hard drive. They contain a unique number that has no meaning outside the Site. You can refuse to allow us to use Cookies in these ways, but you may not be able to view all the information available in some parts of the Site.
You can adjust the settings of your browser in such a way that you will be informed about the placement of cookies, and allow them only in individual cases, or you can decline to accept them in specific cases or decline them altogether. You can also activate the automatic deletion of cookies when you close your browser. When cookies are disabled, you may not be able to use the full functionality of our website.
2. Categories of used Cookies
Depending on their function and purpose, the cookies we use can be divided into the following categories:
- Essential Cookies (“Strictly Necessary”): These cookies are necessary for the basic functionality of the website. They contain only technically necessary services. These services do not require the user’s consent and cannot be rejected.
- Functional Cookies: These cookies serve a variety of purposes related to the presentation, functionality, and performance of a website and to improve visitors’ experience of the website. They allow a website to remember information that has already been entered (e.g., username, location, or language selection) and provide visitors with improved, more personalised functionality. Functional cookies are used, for example, to remember your login information. These cookies cannot track your movements on other websites.
- Performance Cookies: These cookies are used to collect information about how a website is used – for example, how visitors arrived at our website, which pages a visitor opens most often, how they navigated our website during their visit, and whether they received error messages on a page. We may also use these cookies to provide us with certain statistical and analytical information, such as how many visitors came to our website. These cookies are used to monitor the level of activity on the website and to improve the website’s performance.
- Targeting and Advertising Cookies: These allow us or a third-party vendor to offer ads on our website or on third party websites with products that the user likes, so that the ads the user sees are more relevant to the user’s preferences or interest. They may also be used to evaluate the effectiveness of advertising and promotional activities.
Additionally, there are two main types of cookies which can be placed onto your device during a website visit. These are namely, session and persistent cookies. These cookies do not collect or share personal data.
- Session cookies are set at the start of a visit and remain active only while that visit is ongoing. They primarily support navigation through the site. These cookies are deleted automatically when you close your browser.
- Persistent cookies are set during a first visit to a site but will remain on your device until either you clear your cookies, or the expiration date or time is reached. They can be used for analytical purposes to track visits over time, for example to see how many people visited a particular page and then returned to view again at a later stage.
You can configure your browser settings so that no cookies are stored on your computer. Completely deactivating cookies may mean that you cannot use all the functions of our website.
By continuing to use our website and / or agreeing to this cookie notice, you agree that we use cookies and thus collect, store, and use personal usage data even after the end of the browser session. You can revoke this consent at any time by activating the browser setting to reject third-party cookies.
3. List of Cookies
Below is a complete list of the cookies we use on this website, including information about their purpose and expiration date.
a) First Party Cookies
Provider: .perils.org
Cookie Name: _ga
Category: Performance Cookies
Purpose and Procedure: This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default, it is set to expire after 2 years, although this is customisable by website owners.
Provider: .perils.org
Cookie Name: _gat
Category: Performance Cookies
Purpose and Procedure: This cookie name is associated with Google Universal Analytics, according to documentation it is used to throttle the request rate – limiting the collection of data on high traffic sites. It expires after 10 minutes.
Provider: .perils.org
Cookie Name: _gid
Category: Performance Cookies
Purpose and Procedure: This cookie name is associated with Google Universal Analytics. This appears to be a new cookie and as of Spring 2017 no information is available from Google. It appears to store and update a unique value for each page visited.
Provider: .perils.org
Cookie Name: _ga_xxxxxxxxxx
Category: Performance Cookies
Purpose and Procedure: The Google Analytics cookie is responsible for collecting data on visitors, sessions, and campaigns. It helps track how the site is being used and generates analytics reports. The information stored in the cookie is anonymous and each visitor is assigned a unique randomly generated number. This cookie is also used to maintain session state.
Provider: www.perils.org
Cookie Name: ncs-S
Category: Session Cookies
Purpose and Procedure: Used to identify the user session on the web application firewall (WAF)
b) Third Party Cookies
Provider: accounts.google.com
Cookie Name: OTZ
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 1 year.
Provider: myaccount.google.com
Cookie Name: OTZ
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 1 year.
Provider: accounts.google.com
Cookie Name: __Host-GAPS
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 1 year.
Provider: accounts.google.com
Cookie Name: LSID
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 10 months.
Provider: accounts.google.com
Cookie Name: __Host-3PLSID
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 10 months.
Provider: accounts.google.com
Cookie Name: __Host-1PLSID
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 10 months.
Provider: accounts.google.com
Cookie Name: ACCOUNT_CHOOSER
Category: Functional Cookies
Purpose and Procedure: This domain is owned by Google. The main business activity is: User Accounts sub-domain. Cookies in this domain have a lifespan of 1 year.
Provider: .google.com
Cookie Name: APISID
Category: Targeting Cookies
Purpose and Procedure: Google utilizes these cookies to present customized advertise-ments on their own platforms, taking into consideration recent searches and previous engage-ments with users. Cookies have a lifespan of 10 months.
Provider: .google.com
Cookie Name: SAPISID
Category: Targeting Cookies
Purpose and Procedure: Google utilizes these cookies to present customized advertise-ments on their own platforms, taking into consideration recent searches and previous engage-ments with users. Cookies have a lifespan of 10 months.
Provider: .google.com
Cookie Name: NID
Category: Targeting Cookies
Purpose and Procedure: Google utilizes these cookies to present customized advertise-ments on their own platforms, taking into consideration recent searches and previous engage-ments with users. Cookies have a lifespan of 1 year.
Provider: .google.com
Cookie Name: __Secure-xxxxxxx
Category: Targeting Cookies
Purpose and Procedure: Google employs these cookies with their primary function to store and remember user preferences and settings. These can include preferred language, location, and search history. Cookies have a lifespan of 10 months.
Provider: myaccount.google.com
Cookie Name: __Secure-xxxxxxx
Category: Targeting Cookies
Purpose and Procedure: Google employs these cookies with their primary function to store and remember user preferences and settings. These can include preferred language, location, and search history. Cookies have a lifespan of 10 months.
Provider: .google.com
Cookie Name: SIDCC
Category: Targeting Cookies
Purpose and Procedure: Google utilizes these cookies to present customized advertise-ments on their own platforms, taking into consideration recent searches and previous engage-ments with users. Cookies have a lifespan of 9 months.
Provider: .google.com
Cookie Name: HSID
Category: Targeting Cookies
Purpose and Procedure: Used by Google in combination with SID to verify Google user account and most recent login time. Cookies have a lifespan of 10 months.
Provider: .google.com
Cookie Name: SID
Category: Targeting Cookies
Purpose and Procedure: This cookie is used by Google in combination with HSID to verify a Google user account and most recent login time. Cookies have a lifespan of 10 months.
Provider: .google.com
Cookie Name: SSID
Category: Targeting Cookies
Purpose and Procedure: Google utilizes these cookies to present customized advertise-ments on their own platforms, taking into consideration recent searches and previous engage-ments with users. Cookies have a lifespan of 10 months.
Provider: myaccount.google.com
Cookie Name: OSID
Category: Targeting Cookies
Purpose and Procedure: A targeting cookie used by google. Cookies have a lifespan of 10 months.
4. Vendor Services
a) Google Analytics
This Site uses Google Analytics, a web analysis service of the Google company (Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA). Google Analytics uses cookies to analyse and regularly improve our website based on our legitimate interests, as well as to regularly improve our offer based on the statistics obtained and to make it more interesting for you. These form the basis for analysis of your use of our Site. The information generated by the cookie about your use of this Site will be transmitted to a Google server in the USA and stored there.
We use Google Analytics with the extension ‘anonymizeIp()’, so that the IP addresses transmitted to Google will be abbreviated before further processing takes place, to exclude any direct reference to your personal identity (this is known as ‘IP masking’). Google will make use of this information to evaluate your visit to the website, to compile reports about activities on our Site and to provide further services associated with website and internet use. Google may also pass on this information to third parties, in so far as this is required by statute or in case the data is to be processed by a third party on Google’s behalf. On no account will Google combine your IP address with other data in its possession.
You can prevent the installation of the cookie for Google Analytics by adjusting your browser software accordingly. In this case, however, you may not be able to make use of all the functions of our site to the full extent. You can prevent the collection and storage of data for Google Analytics at any time, with effect for the future, by using Google’s opt-out browser plug-in: https://tools.google.com/dlpage/gaoptout?hl=en.
Please be aware that you will have to opt out more than once if you make a practice of deleting the cookies on your browser, or if you access our Site with a different browser. Further information about Google Analytics may be found here: https://marketingplatform.google.com/about/.
b) Google Tag Manager
Google Tag Manager is another Google product, which makes it possible for us to manage website tags by way of an interface. The Tag Manager is a cookie-free domain and does not register any personal data. The tool serves for the activation of other tags, which, in turn, may then register data in certain circumstances. Google Tag Manager does not access this data itself. If a deactivation is carried out at domain or cookie level, this remains in force for all tracking tags that have been implemented by Google Tag Manager. If you would rather not be sent advertising based on your interests, you can disable the use of cookies by Google for these purposes by going to: https://www.google.com/settings/ads/plugin.