What are cookies?

Cookies are small data files sent to the device by the Website visited, and used to record certain browsing interactions on a Website, storing data which can be updated and retrieved. These files are stored on the user's computer and contain anonymous data that are not harmful to their device. They are used to recall a user's preferences, such as language selection, access details or page customisation.'s computer and contain anonymous data that is not harmful to your computer. They are used to remember the user's preferences, such as the selected language, access data or page customization.

Cookies can also be used to record anonymous information about how a visitor uses a website. For example, the page from which they access the website, or if they used an advertising banner as a link.

Smart Insurance uses those cookies that are strictly necessary and essential so that you can make use of our websites and to allow you to move freely, use secure areas, customised options, etc. Smart Insurance also uses cookies that gather data concerning website usage analysis. They are used to help improve customer service, by measuring page performance and usage in the interests of optimisation and customisation.

Our sites may also contain social media links (such as Facebook or Twitter). Smart Insurance does not control the cookies used by these external websites. For further information regarding social media cookies or other external websites, we advise you to review their own cookies policies.

Session Cookies: Session cookies are those which last for as long as the user is browsing on the website, and are deleted after this.

Persistent Cookies: These cookies are stored on the user's device for a longer period, to facilitate control of chosen preferences without the need to repeat certain parameters each time a user visits the website.'s terminal for a longer period, making it easier to control the preferences chosen without having to repeat certain parameters each time the website is visited.

First-party cookies: These are cookies created by this website, and which can only be read by the site itself. For example: technical cookies to load images, cookies or website parameter customisation, traffic analysis cookies, etc.

Third-party cookies: These are cookies created by third parties which we use for various services (e.g. website analysis for advertising)

According to their purpose:

Technical cookies: Technical cookies are those which are essential and strictly necessary for a website properly to function and for the different options and services that it offers to be used. For example, those used to maintain a session, to administer response times, performance or validation of options, to use security elements, share content with social media, etc.

Customization cookies: These cookies allow the user to specify or customise certain characteristics of the general website options, for example by defining the language, regional configuration or browser type.

Analytical cookies: Analytical cookies are used by our website to generate browsing profiles and to ascertain site user preferences, so as to improve the offering of products and services. For example, an analytical cookie would monitor those geographical areas of greatest interest to a user, the most popular product, etc.

Advertising cookies: Advertising cookies are used to administer advertising spaces in accordance with specific criteria. For example, frequency of access, published content, etc. Advertising cookies allow the advertising management process to store information about behaviour through the observation of habits, studying access and generating a user preference profile, so as to offer users advertising connected with their profile interests.

Advertising cookies:

Associated with a domain which is independent of the site visited by a user: analytical, technical and advertising.

Doubleclick o “__gads”
Provider: Google
Cookies to improve advertising. These are typically used to focus advertising in accordance with content that is relevant to a user, to improve campaign performance reports and to avoid showing adverts that the user has already seen. This involves the measurement of interactions with the advertisements included within this domain, preventing the same advertising from being shown too often. They expire two years after being transferred.
Flash
Provider: Adobe Flash Player
Flash cookies are used by websites that depend solely on Shockwave Flash objects. They are used by Adobe Flash for human interaction or representation. They remain until the next time the same website is visited.

Third-party cookies:

Associated with a domain which is independent of the site visited by a user: analytical, technical and advertising.

hblid, olfsk, wcsid, _okbk, _ok, _oklv, olfsk, _okla, _okgid, _okac, _okck
Provider: Olark Chat
These cookies are used by Olark Chat to identify user visits. We use Olark Chat to provide users of our website with a direct chat support service. For further information about these cookies you can visit the Olark Chat support centre.

Analytical cookies

Utma
Provider : Google Analytics
User cookie: expires 2 years after the last update. It generates a unique user ID and registers the date, and the first and last time the user visited the website. Used to count how often a unique user visits the site.
Utmb
Provider: Google Analytics
Session cookie: expires 30 minutes after the last update. This cookie records the arrival time on the page, and expires 30 minutes after the last page view is registered. It is deleted automatically when the website is changed or the browser is closed. If a user remains on a website for more than 30 minutes without any activity and again requests a page, this will be considered a new user session (1 unique user making 2 visits). The time spent by a user on a page is calculated by subtracting the current page value from that of the previous page.
Utmc
Provider: Google Analytics
Session status cookie (open or closed). This cookie was previously used together with the utmb cookie to determine whether after 30 minutes spent on the same page a new user session should be established or not. This cookie is still written to ensure compatibility with those websites where the former urchin.js tracking code is installed.
Utmz
Provider: Google Analytics
User origin cookie: expires after 6 months. This cookie stores the visitor's origin, the route used to access the website, whether by direct access, via a link on another website, via an email link, by using certain keywords in a search engine, via a display ad campaign, or via an AdWords advertisement. This cookie is used to calculate the traffic derived from search engines, display ad campaigns and browsing within the website itself (internal links). The cookie is updated on each visit to the website.
dc_gtm_UA- xxxxxxxx-x
Provider: Google Analytics
Google Tag Manager. Cookie used by Google to add the Google Analytics tracking code via Google Tag Manager.
_ga
Provider: Google Analytics
Provider: Google Analytics
_gat_UA-xxxxxx-x
Provider: Google Analytics
Cookie used by Google Analytics to compile anonymous traffic data. It contains a unique visitor ID, time and information regarding the visit, including references. The real visit data are recorded on the Google server. Google provides reports that help analyse how visitors use websites and which refer to elements ranging from user experience to measurement of the impact of search engine optimisation and advertising.

Type of Cookies and Purpose

TSe9a623
Provider: Paypal
Reinforces security when accessing the PayPal payment platform from Comercial TPV
Apache
Provider: Paypal
Reinforces security when accessing the PayPal payment platform from Comercial TPV

First-party cookies

cpd-cookies-plugin-wp
Remembers if the visitor has accepted/closed the cookie info bar.
woocommerce_cart_hash, woocommerce_items_in_cart, woocommerce_recently_viewed
For shopping cart functionality
viewmodecookie
Remembers the visitor's device type

This website uses analytical cookies, specifically Google Analytics, to help the website analyse how users make use of the site and to improve its usability, but in no case are they associated with any data that could ultimately identify a user.

Meanwhile, the terms and conditions of Google Analytics require the following notice to be stated:

This website uses Google Analytics, a web analysis service provided by Google, Inc., a Delaware-incorporated company the main office of which is at 1600 Amphitheatre Parkway, Mountain View, California, CA 94043, USA (“Google”). Google Analytics uses cookies, which are text files located on your computer, to help the website analyse how users make use of the site. The information generated by the cookie regarding your use of the website (including your IP address) will be directly transferred and archived by Google on its servers in the United States. Google will use this information on our behalf in order to track your site usage, compiling website activity reports and providing other services connected with activity on the website and use of the Internet. Google may transfer said information to third parties if so required by law, or if such third parties process the information on behalf of Google. Google will not associate your IP address with any other data available to Google. You may reject the processing of data or information by rejecting the use of cookies by means of selecting the appropriate configuration in your browser, although you should be aware that if you do so, you may not be able to use this website with full functionality.
track the use of the website, collect reports from the website activity and provide other services related to the same and to the internet use. Google may disclose this information to third parties when stated by law, or when such third parties process the information on Google's behalf. Google will not link your IP address with any other data held by Google. You may reject the handling of data or information by rejecting the use of cookies in the corresponding configuration selection in your browser; however, you must know that, by doing this, you may not be able to use the website's entire functionality.

By using this website you accept the processing of information about you by Google in the manner and for the purposes indicated above. By using this website without disabling these cookies, users are granting their consent for their information to be processed by Google. As a result, if you wish to exercise any rights concerning the information provided you will need to contact Google directly.

You can allow, block or delete the cookies set on your computer through the settings options of the browser installed on your computer.

For further information about the different browsers, click on:

Cookie settings for Internet Explorer
Cookie settings for Firefox
Cookie settings for Google Chrome
Cookie settings for Safari
Cookie settings for Flash

These browsers are subject to updates or modifications, and we cannot therefore guarantee that they will fully respond to your browser version.

You may also be using some other browser not included in these links, such as Konqueror, Arora, Flock, etc. To avoid such information gaps you can directly access your browser options, typically under the Options menu in the "Privacy" section. (Please consult your browser's help section for further information.)

It is also possible to restrict the way third parties install cookies in your computer, to avoid data collecting and activity browsing recording. To restrict the use of cookies by third parties, you may go to the web configuration page or OptOut:

Google Analytics
DoubleClick
Google
Flash Cookies YouTube

Select the option "Delete from all sites", or the specific web from which you want them to be erased and select "Delete website".

Bear in mind that if you reject or delete web browsing cookies we will be unable to store your preferences, some page characteristics will not function, we will be unable to offer you customised services, and every time you browse on our website you will again need to register your authorisation for the use of cookies.

If you nonetheless wish to modify your website access settings, we would inform you that cookies can be deleted or prevented from registering this information on your device at any time, by altering the parameters of your browser's settings.

You can find further information about cookies at www.allaboutcookies.org o www.youronlinechoices.eu.