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Cookie Notice

Like many companies, Marsh uses cookies on this Site. Cookies are pieces of information shared between your web browser and a website. Use of cookies enables a faster and easier experience for the user. A cookie cannot read data off your computer hard drive.

There are different kinds of cookies with different functions:

(i) Session cookies: these are only stored on your computer during your web session. They are automatically deleted when the browser is closed.  They usually store an anonymous session ID allowing you to browse a website without having to log in to each page. They do not collect any information from your computer.

(ii) Persistent cookies: a persistent cookie is one stored as a file on your computer, and it remains there when you close your web browser. The cookie can be read by the website that created it when you visit that website again.

(iii) First-party cookies: the function of this type of cookie is to retain your preferences for a particular website for the entity that owns that website. They are stored and sent between Marsh’s servers and your computer’s hard drive. They are not used for anything other than for personalization as set by you. These cookies may be either Session or Persistent cookies.

(iv) Third-party cookies: the function of this type of cookie is to retain your interaction with a particular website for an entity that does not own that website. They are stored and sent between the Third-party’s server and your computer’s hard drive. These cookies are usually Persistent cookies.

How to Manage Cookies

Please consult your web browser's ‘Help’ documentation or visit allaboutcookies.org for more information generally on cookies, and how to turn cookies on and off for your browser. 

Please note that refusing or deleting cookies may impact your browsing experience on our websites, or prevent you from using some of its services, and it may result in the deletion of any preferences you have set.

Third Party Cookies

Google Analytics
This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help the website analyse how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating website use, compiling reports on website activity, and providing other services relating to website activity and internet usage for Marsh and its affiliates. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Advertising Cookies

These tracking technologies are used to provide you with more relevant and useful advertising and to limit how many times you see an ad, help us improve the effectiveness of our advertising efforts and/or display Marsh advertisements when you visit third-party websites with whom we have marketing relationships.

Cookie Purpose Source Privacy policy & Terms and Conditions
   
Double Click & Google Ads   Conversion   
   
Google Ads is an online   advertising platform developed by Google, where advertisers pay to display   brief advertisements, service offerings, product listing, video content and   generate mobile application installs within the Google ad network to web   users.    
   
Google Inc.    
   
https://policies.google.com/privacy?hl=en
   
https://policies.google.com/terms    
   
Facebook Ads   
   
Facebook Ads is an online   advertising platform developed by Facebook, where advertisers pay to display   brief advertisements, service offerings, product listing, video content and   generate mobile application installs within the Facebook ad network to web   users.    
   
Facebook Inc.   
   
https://www.facebook.com/policy.php
   
https://www.facebook.com/legal/terms/update    
   
LinkedIn Ads   
   
LinkedIn Ads is an online   advertising platform developed by LinkedIn, where advertisers pay to display   brief advertisements, service offerings, product listing, video content and   generate mobile application installs within the LinkedIn ad network to web   users.   
   
LinkedIn Inc.   

https://www.linkedin.com/legal/privacy-policy

https://www.linkedin.com/legal/user-agreement

 

We use cookies for the following purposes:

Where Strictly Necessary

These cookies are essential in order to enable you to move around the Site and use its features, such as accessing secure areas of the Site. Without these cookies, services you have asked for, such as obtaining a quote or logging into your account, cannot be provided. These cookies do not gather information about you that could be used for marketing or remembering where you have been on the internet.

Functionality

These cookies allow our Site to remember choices you make (such as your user name, language or the region you are in) and provide enhanced features. For instance, a Site may be able to remember your log in details, so that you do not have to repeatedly sign in to your account when using a particular device to access our Site. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customise. They may also be used to provide services you have requested such as viewing a video or commenting on an article. The information these cookies collect is usually de-identified. They do not gather any information about you that could be used for advertising or remember where you have been on the internet.

Analytics

These cookies collect information about how visitors use a Site, for instance which pages visitors go to most often, and if they get error messages from web pages. They also allow us to record and count the number of visitors to the Site, all of which enables us to see how visitors use the Site in order to improve the way that our Site works. These cookies do not collect information that identifies a person, as all information these cookies collect is anonymous and is used to improve how our Site works.

Advertising

These cookies are used for the purpose of displaying advertisements that will be relevant to you and for managing the performance of advertisements. Advertising cookies are generally third party cookies and may be present even if there is no advertising in use on the Site.

Web Beacons

The Site may also use web beacons (including web beacons supplied or provided by third parties) alone or in conjunction with cookies to compile information about users’ usage of the Site and interaction with e-mails from Marsh. Web beacons are clear electronic images that can recognise certain types of information on your computer, such as cookies, when you viewed a particular Site tied to the web beacon, and a description of a Site tied to the web beacon. We use web beacons to operate and improve the Sites and e-mail communications. We may use information from web beacons in combination with other data we have about our clients to provide you with information about Marsh and our services. We will conduct this review on an anonymous basis.

IP Addresses

When you visit our Sites, Marsh collects your Internet Protocol (“IP”) addresses to track and aggregate non-Personal Information. For example, Marsh uses IP addresses to monitor the regions from which users navigate the Sites.  IP addresses will be stored in such a way so that you cannot be identified from the IP address. 

Cookies Policy Does Not Cover Third Party Websites

When we include links to other websites, please bear in mind they will have their own privacy and cookie policies that will govern the use of any information you submit.  We recommend you read their policies as we are not responsible or liable for their privacy practices.

Changes

After your initial visit to this Site we may change the cookies and web beacons we use. 

We may also update this Cookie Notice occasionally and we encourage you to review the Cookie Notice from time to time to stay informed of how we are using cookies and web beacons. 

This Cookie Notice was last updated in May 2021 and was correct at the time of publication.

 

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“MAI”) arrange this insurance and is not the insurer. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). JGS is part of the Marsh group of companies. Any advice in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) which is a related entity of MAI. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions. This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request.