Cookies Policy

Cookies are small text files or similar technologies that may be stored on a user’s device when visiting a website.

Cookies can perform different functions, including enabling website features, remembering preferences, maintaining security, measuring website performance, and providing information about how visitors interact with a website.

Some cookies may be placed directly by Risk Regroup, while others may be provided by third-party services integrated into the website.

Risk Regroup may use cookies and similar technologies for purposes including:

• *Operating and maintaining the website
• *Providing essential website functionality
• *Maintaining website security
• *Remembering user preferences
• *Understanding how visitors navigate and use the website
• *Measuring website traffic and performance
• *Identifying and resolving technical issues
• *Improving website functionality and user experience
• *Evaluating the effectiveness of communications or marketing activities
• *Supporting other legitimate business purposes permitted by applicable law

The specific cookies used may change as Risk Regroup updates its website, technology, or service providers.

Strictly Necessary Cookies

These cookies support functions necessary for the website to operate properly and securely. They may include technologies used for security, network management, session functionality, fraud prevention, or other essential website operations.

Because these cookies may be necessary for the website to function, users may not always be able to disable them through website preference controls.

Functional Cookies

Functional cookies may allow the website to remember choices or preferences and provide enhanced functionality.

Disabling these cookies may affect certain website features or functionality.

Analytics and Performance Cookies

These cookies may help Risk Regroup understand how visitors interact with the website, including which pages are visited, how visitors navigate the website, and whether technical problems occur.

Information obtained through these technologies may be used to measure and improve website performance.

Advertising and Marketing Cookies

Where used, advertising or marketing technologies may help Risk Regroup understand the effectiveness of marketing activities, measure interactions with campaigns, or provide more relevant communications.

Where consent or an opt-out mechanism is required by applicable law, Risk Regroup will provide the appropriate choices.

Some cookies may be controlled directly by Risk Regroup, while others may be placed or operated by third-party technology providers whose services are incorporated into the website.

Third-party providers may process information in accordance with their own privacy policies and terms.

Risk Regroup does not control the independent privacy or cookie practices of third parties and, to the fullest extent permitted by applicable law, is not responsible for their independent processing activities.

In addition to traditional cookies, the website may use similar technologies such as pixels, tags, local storage, scripts, software development technologies, or other mechanisms that support website functionality, analytics, security, or performance.

For purposes of this Policy, references to “cookies” generally include these similar technologies where appropriate.

Cookies may be either:

• *Session cookies, which generally expire when the browser session ends; or
• *Persistent cookies, which may remain on a user’s device for a defined period or until removed.

The duration of individual cookies depends on their purpose and the technology or provider responsible for them.

Users may be able to manage certain cookie preferences through website controls, where available, or through their browser or device settings.

Most browsers allow users to block, restrict, or delete cookies. However, disabling certain cookies may cause portions of the website to function differently or become unavailable.

Browser-level controls are managed by the applicable browser provider and may change independently of Risk Regroup.

Risk Regroup will use cookie consent mechanisms where required by applicable law.

Depending on the user’s jurisdiction, certain non-essential cookies or technologies may require consent before being activated, while other jurisdictions may provide users with rights to opt out of certain uses of personal information.

The availability and operation of cookie controls may therefore vary based on applicable legal requirements.

Certain browsers or devices may transmit “Do Not Track” or other privacy preference signals.

Because legal and technical standards regarding these signals continue to evolve, Risk Regroup will process legally recognized preference signals where required by applicable law and technically applicable to the website.

Depending on the technologies used, cookies may collect or generate information such as:

• *IP address
• *Device type
• *Browser information
• *Operating system
• *Approximate geographic information
• *Referral source
• *Pages viewed
• *Time spent on pages
• *Website interactions
• *Session information
• *Technical identifiers
• *Performance and diagnostic information

Risk Regroup may use this information in accordance with its Privacy Policy and applicable law.

Risk Regroup may use third-party providers for services such as website hosting, analytics, security, communications, advertising, or other website functionality.

These providers may use cookies or similar technologies when their services are enabled.

The presence of a third-party technology on the website does not imply that Risk Regroup controls all information independently collected or processed by that third party.

Risk Regroup takes reasonable measures designed to protect information collected through its website.

However, no internet-based technology, website, electronic storage system, or transmission method can be guaranteed to be completely secure.

Risk Regroup therefore cannot guarantee absolute security of information collected or transmitted through cookies or similar technologies.

Information collected through cookies or similar technologies that constitutes personal information will be handled in accordance with Risk Regroup’s Privacy Policy and applicable privacy laws.

This Cookie Policy should therefore be read together with the Risk Regroup Privacy Policy.

Risk Regroup may update this Cookie Policy from time to time to reflect changes in its website, technologies, service providers, business practices, or applicable legal requirements.

Updated versions may become effective when published on the website unless otherwise required by applicable law.

Users are encouraged to review this Policy periodically.

To the fullest extent permitted by applicable law, Risk Regroup shall not be responsible for losses or damages resulting solely from a user’s browser settings, disabling of cookies, third-party technologies outside Risk Regroup’s reasonable control, or the independent privacy practices of third-party service providers.

Nothing in this Policy excludes or limits any responsibility that cannot lawfully be excluded or limited.

For questions regarding this Cookie Policy, cookie preferences, Risk Regroup’s website practices, or any other related matter, please contact us at contact@riskregroup.com.