Cookie Policy
1. Purpose
The purpose of this policy is to explain to users of this website https://www.vumieurope.com how cookies are used on the site, the options for controlling the use of cookies and what cookies are used.
2. Use of cookies and tracking technologies
This website uses cookies and similar technologies to ensure its proper functioning and to analyse website usage. For this purpose, we use Google Tag Manager and Google Analytics, services provided by Google LLC. Google Tag Manager is used exclusively to manage and deploy website tags and does not, by itself, collect personal data. Google Analytics is used to collect aggregated and statistical information about how visitors interact with the website, in order to improve performance and user experience. Analytics cookies and related tracking technologies are only activated after the user has provided explicit consent through the cookie consent mechanism. No marketing, advertising, profiling, or social media tracking cookies are used on this website.
Users can manage or withdraw their consent at any time through the cookie consent settings available on the website.
3. Scope
This policy applies to the cookies used on this website https://www.vumieurope.com/ and, where specified, to tracking technologies used in sales and marketing email communications.
4. Definitions
The following terms are used throughout this policy and are defined as follows:
“Cookie” – Cookies are small files that are placed on your computer by the websites that you visit. They are used in order to make websites work, to provide features, or to work more efficiently, as well as to provide information to the owner of the site such as pages visited, number of visitors etc. Some cookies also enable the display of relevant advertising when you move from site to site.
“We/us/our” – refers to VUMI® Insurance Europe Limited.
VUMI® Insurance Europe Limited, the owner of this website registered at The Landmark Level 1 Suite 2, Triq l-Iljun, Qormi, QRM 3800, Malta with company registration number C 112852.
“Personal data” – is any information which can directly or indirectly identify a living person.
“First Party Cookie” – this is a cookie that is controlled by us.
“Third Party Cookie” – this is a cookie provided by a third party e.g. Google Analytics for which we have no control over.
“Session” – If a cookie does not contain an expiration date, it is considered a session cookie. Session cookies are stored in memory and never written to disk. When the browser closes, the cookie is permanently lost from this point on.
“Persistent” – these cookies stay in one of your browser’s subfolders until you delete them manually or your browser deletes them based on the duration period contained within the persistent cookie’s file.
“Tracker” – these are technologies that allow web or email activity to be tracked. Cookies are one such technology, but other tools such as tracking pixels and third-party hosted web fonts also provide this functionality.
“Pixel”/ “Pixel Tracker” – these are small images loaded as part of the web page or email. These are hosted separately and use a long and unique URL. In the case of an email, this URL being accessed informs us that the email has been opened and information such as the IP address, estimated approximate location, and web browser or email client used. Typically, such images are 1 pixel by 1 pixel in size, transparent and therefore invisible. Others may use the normal images included in the web page or email to achieve the same functionality.
5. Cookie Types
We use the following types of cookies on our website:
Necessary Cookies – The processing of personal data through strictly necessary cookies is based on our legitimate interest in ensuring the proper functioning and security of the website. The processing of personal data through analytics cookies and related tracking technologies, including Google Analytics, is based exclusively on the user’s explicit consent, in accordance with Article 6.1.a of the General Data Protection Regulation and applicable ePrivacy rules. Users may withdraw their permission at any time through the cookie settings available on the website.
Strictly necessary cookies are enabled by default as they are essential for the operation of the website and for providing the services requested by the user. Where these cookies do not involve the processing of personal data, the GDPR does not apply. Where personal data is processed, the lawful basis for such processing is our legitimate interest in ensuring the proper functioning and security of the website.
Analytics Cookies – These cookies allow us to analyse website use such as which pages are most popular and how visitors move around the site. The information collected does not directly identify any individuals. Where individuals can be identified, the lawful basis will be consent. You can control whether you want to accept the use of these cookies via the cookie consent options on the website.
Functionality Cookies – These cookies allow us to recognise you when you return to our website. They enable us to personalise content for you and remember preferences you may have set on your last visit.
You can control whether you want to accept the use of these cookies via the cookie consent options on the website. The lawful basis here would be consent.
Performance/statistics cookies – These cookies collect information about how you use our website (e.g. which Internet browser you use, how often you visit our website, which pages you open, or how long you stay on our website). These cookies do not store any information that enables visitors to be personally identified. The information collected with the help of these cookies is aggregated, and thus anonymous.
Marketing Cookies – Marketing cookies are used only where permitted by applicable data protection and ePrivacy laws and are subject to the user’s preferences as expressed through the cookie consent mechanism available on the website.
You can control whether you want to accept the use of these cookies via the cookie consent options on the website.
Necessary Trackers – As with necessary cookies, these trackers are essential for the operation of our website and for providing you with the services you request. As these cookies are necessary for the functioning of the site, they do not require user consent.
You may be able to block these in your browser settings, but this will be likely to result in an undesirable web browsing experience. Our lawful basis for these cookies is legitimate interest, that being the effective functioning of our website for users.
Non-cookie email tracking pixels – these allow us to measure the efficacy of our email communication and adjust our output accordingly.
6. Cookie Details
6.1 Necessary Cookies
Cookie Name | 1st or 3rd Party | Duration | Purpose |
local_storage_support_test | 1st | Persistent | The cookie is used in context with the local-storage function in the browser. This function allows the website to load faster by pre-loading certain procedures. |
6.2 Analytic Cookies
Cookie Name | 1st or 3rd Party | Duration | Purpose |
_ga | 3rd | 2 years | Registers a unique ID that is used to generate statistical data on how the visitor uses the web site. |
_gat | 3rd | 1 day | Used by Google Analytics to throttle request rate |
_gid | 3rd | 1 day | Registers a unique ID that is used to generate statistical data on how the visitor uses the website. |
6.3 Marketing Cookies (note, this includes sales and marketing emails)
Cookie Name | 1st or 3rd Party | Duration | Purpose |
__widgetsettings | 3rd | Persistent | This cookie is set by X – The cookie allows the visitor to share content from the web site on to their X profile. Used in sales and marketing emails only. and are not deployed on the website. |
st_samesite | 3rd | Persistent | Used by ShareThis to track visitor’s web site navigation and preferences – This is used for internal statistics and marketing. Used in sales and marketing emails only and are not deployed on the website. |
6.4 Analytics Trackers (Non-Cookie)
Tracker Name | Duration | 1st or 3rd Party | Location | Data and Purpose |
Google Tag Manager | Session | 3rd party | Website | Purpose: Manages the deployment of website tags. Does not collect personal data by itself. |
6.5 Email Tracking and Analytics
Email tracking technologies described in this section apply exclusively to sales and marketing email communications and are not used for tracking user activity on the website.
Tracker Name | Duration | 1st or 3rd Party | Location | Data and Purpose |
Data Email | Campaign duration or until user unsubscribes | 3rd party | Email communications | Email Tracking Pixel and Click Analytics (Mailchimp / Constant Contact) Measure email open rates, click activity, and engagement to improve communications. Data Processed: Email address, interaction data such as opens and clicks, technical identifiers. |
Meta Pixel | Defined by Meta campaign and retention settings | 3rd party | Sales and marketing email communications only | Purpose: Used exclusively in sales and marketing email campaigns. Not deployed on the website. Data Processed: Page views, visitor activity, session duration, geolocation, devices, IP address, browser information, pages visited, action taken, technical identifiers and more. |
Each marketing email we send includes an unsubscribe link, which allows recipients to opt out of future marketing communications at any time. Users may also contact us directly at dpo-europe@vumigroup.com to request to unsubscribe from marketing communications or to request deletion of their personal data in accordance with applicable data protection laws.
7. Using Your Browser To Control Cookies
As well as setting cookie preferences using the cookie settings options when you visit the website, you can also control cookie settings in your browser. How to control cookies for some of the most common browsers are detailed below:
8. Managing Analytics Cookies
You can opt out of anonymous tracking from third party analytics cookies by clicking on the links of our service providers here:
Google Analytics: https://tools.google.com/dlpage/gaoptout
https://support.google.com/analytics/answer/11397207
https://policies.google.com/technologies/partner-sites
https://policies.google.com/privacy
9. Further Information
If you would like any further information about the use of cookies on this website, please contact us at dpo-europe@vumigroup.com Please also see our privacy notice here.
10. Changes To This Policy
We may make changes to this policy from time to time and the latest version of the policy will always be displayed on our website. You should check this policy from time to time to see any updates. This policy was last updated on 10/02/26