COOKIES AND OTHER TECHNOLOGIES

Cookie policy Effective date: May 24, 2018 Smarter Life Insurance and its subsidiaries and affiliates ( collectively, "Smarter Life Insurance", " us" or "we") understand that your privacy is important to you and are committed to being transparent about the technologies it use. This Cookie Policy explains how and why cookies, web beacons, pixels, clear gifs, and other similar technologies( collectively" Cookies and Other Tracking Technology ") may be stored on and accessed from your device when you use or visit any website or app that posts a link to this Policy( collectively," the Site "). This Cookie Policy should be read together with our Privacy Policy and our Terms of use. By continuing to browse or use our Sites, you agree that we can store and access Cookies and Other Tracking Technology as described in this Cookie Policy. What are Cookies and Other Tracking Technology? A cookie is a small text file that can be stored on and accessed from your device when you visit one of our Sites, to the extent you agree. The other tracking technologies work similarly to cookies and place small data files on your devices or monitor your website activity to enable us to collect information about how you use our Sites. This allows our Sites to recognize your device from those of other users of the Sites. The information provided below about cookies also applies to these other tracking technologies. You can find more information at

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How do our Sites use Cookies and Other Tracking Technology? Smarter Life Insurance utilizes Cookies and Other Tracking Technology to identify you and your interests, to remember your preferences, and to track your use of our Sites. We also use Cookies and Other Tracking Technology to control access to certain content on our Sites, protect the Sites, and to process any requests that you construct of us. To administer our Sites and for research purposes, Smarter Life Insurance also has contracted with third-party service providers to track and analyze statistical usage and volume datum from our Site users. These third-party service providers use persistent Cookies to help us to improve the user experience, manage our Site content, and analyze how users navigate and utilize the Sites. First and Third-party Cookies " First-party Cookies" are cookies that belong to Smarter Life Insurance and that Smarter Life Insurance places on your device." Third-party Cookies" are cookies that another party places on your device through our Site. Smarter Life Insurance may contract with third-party service providers to send e-mails to users who have provided us with their contact information. To help measure and improve the effectiveness of our e-mail communications, and/ or to determine whether messages have been opened and links clicked on, the third-party service providers may place Cookies on the devices of these users. For more information on how these companies collect and use information on our behalf, please refer to their privacy policies as indicated below. We use the following types of cookies

 

Persistent Cookies. We use persistent Cookies to improve your experience of using the Site. This includes recording your acceptance of our Cookie Policy to remove the cookie message which first appears when you use the Sites. Session Cookies. Session Cookies are temporary and deleted from your machine when your web browser shuts. We use session Cookies to help us track internet usage as described above. You may refuse to accept browser Cookies by activating the appropriate set on your browser. However, if you select this setting you may be unable to access certain parts of the Sites. Unless you have adjusted your browser setting so that it will refuse Cookies, our system will issue Cookies when you direct your browser to our Sites. The data collected by the Sites and/ or through Cookies that may be placed on your computer will not be kept for longer than is necessary to fulfil the purposes mentioned above. In any event, such datum will not be kept for longer than one year. Our Cookies are used for the following purposes

Cookie Type Purpose Strictly Necessary/ Technical These Cookies are necessary to allow us to operate our Sites so you may access them as you have requested. These Cookies, for example, let us recognize that you have created an account and have logged into that account to access Site content. They also include Cookies that enable us to remember your previous actions within the same browsing session and secure our Sites. Analytical/ Performance These Cookies are used by us or third-party service providers to analyze how the Sites are utilized and how they are performing. For example, these Cookies track what pages are most frequently visited, and from what locations our visitors come from. If you subscribe to a newsletter or otherwise register with the Sites, these Cookies may be correlated to you. These Cookies include, for example, Google Analytics cookies. Functionality These Cookies let us operate the Sites in accordance with the choices you construct. These Cookies permit us to "remember" you in-between visits. For instance, we will recognize your username and remember how you customized the Site and services, for example by adjusting text size, fonts, languages and other parts of web pages that are alterable, and provide you with the same customizations during future visits. Third-Party Advertising These Cookies collect information about your activities on these and other sites to provide you targeted advertising. We may also permit our third-party service providers to use Cookies on the Sites for the same purposes identified above, including collecting information about your online activities over time and across different websites. The third-party service providers that generate these Cookies, such as Adobe, Google, LinkedIn, and Facebook, have their own privacy policies, and may use their Cookies to target advertising to you on other websites, based on your visit to our Sites.