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Cookie Policy

Fusion Specialty Insurance Pty Limited

Effective starting: 1 August 2021

At Fusion, we believe in being transparent about how we use the data we collect from you. This Cookie Policy (“Policy”) is designed to let you know how and when we use cookies on our websites (the “Websites”). In this policy, ‘we’, ‘us’ and ‘our’ refer to Fusion, and ‘you’ and ‘your’ refer to you as a user of the Websites. The Websites and other products and services provided by Fusion are described as the “Fusion Services”.

What are cookies?

We use “cookies” to assist you in customising your browsing experience. A cookie is a message in the form of a text file that is added to your computer or mobile device by a web server. Cookies are allocated specifically to you, and only a web server in the domain that assigned the cookie to you can read that cookie. Cookies are intended to promote convenience and efficiency – once placed on your hard disk or mobile device, they notify the web server when you return to a specific page, so your experience on that webpage can be personalised.

Cookies set by the website owner are called “first party cookies”. Cookies set by parties other than the website owner are called “third party cookies”. Third party cookies enable third party features or functionality to be provided on or through the website (e.g. like advertising, interactive content and analytics). The parties that set these third party cookies can recognise your computer both when it visits the website in question and also when it visits certain other websites.

Type of cookies used:

We use a number of cookies, each with their own purpose and function, including those listed below.

Type: Essential Cookies

Purpose:

Some cookies are critical to your use of the Fusion Services. They allow you to navigate the Fusion Services and make use of the features, including by accessing secure areas. We use these cookies to ensure we can provide you with content that is appropriate to the device you are using to access the Fusion Services.

Who serves these cookies:

Fusion
https://www.fusion.insure

How to refuse: 

Because these cookies are strictly necessary to deliver the Websites and other Fusion services to you, you cannot refuse them.

You can block or delete them by changing your browser setting however, as described below under the heading “How to opt-out of cookies”

Type: Functionality Cookies

Purpose:

Using functionality cookies, we are able to remember your selections and preferences on our Websites and the other Fusion Services – for instance, your geographical region or your choice of language. 

Who serves these cookies:

Fusion
https://www.fusion.insure

How to refuse:

To refuse these cookies, please follow the instructions below under the heading “How to opt-out of cookies”

Type: Authentication and Security

Purpose:

We use authentication cookies to help you to log on to the Websites, to protect your security and to allow us to counteract and prevent behaviour that breaches our terms and conditions or policies.

Who serves these cookies:

Fusion
https://www.fusion.insure

How to refuse:

Because these cookies are strictly necessary to keep your personal data and our services secure, you cannot refuse them.

Type: Personalisation Cookies

Purpose:

We use these cookies to adjust the way the Fusion Services appear or respond in order to customise your experience. This personalisation is based on insights we gain or infer from your behaviour on the Fusion Services and/or information gained from you holding an account with us. These cookies may be used to update or further personalise the Fusion Services in subsequent browsing sessions.

Who serves these cookies:

Fusion
https://www.fusion.insure

Intercom
https://www.intercom.com/

How to refuse:

To refuse these cookies, please follow the instructions below under the heading “How to opt-out of cookies”

 Intercom does not appear to provide an opt-out link for its analytics cookies. For more information about such cookies, please see this page.

Type: Analytics Cookies

Purpose:

These cookies provide us with information about the performance of our Websites and the other Fusion Services. We also use them to understand, enhance, and investigate services, products and features.

Who serves these cookies:

Google Analytics
https://analytics.google.com/analytics/web/

Mix Panel
https://mixpanel.com/

Fullstory
https://www.fullstory.com/

How to refuse:

To refuse these cookies, please follow the instructions below under the heading “How to opt-out of cookies”

Alternatively, please click on the relevant opt-out link below:

 Google Analytics 

 Mixpanel

 Fullstory

Type: Advertising Cookies

Purpose:

These third party cookies are placed by third party advertising platforms or networks to provide advertisements and track their performance, as well as to allow advertising networks to provide advertisements that may be of interest to you based on your activities on the Websites and the other Fusion Services. They may later use data relating to your visit to deliver advertising that you may be interested in on the Websites, the other Fusion Services and other websites.

Who serves these cookies:

Google AdWords Conversion

Google Dynamic Remarketing

LinkedIn Ads

How to refuse:

To refuse these cookies, please follow the instructions below under the heading “How to opt-out of cookies”

Alternatively, please click on the relevant opt-out link below:

Google AdWords Conversion

Google Dynamic Remarketing

LinkedIn Ads

Web Beacons

Pixel tags and web beacons (also known as tracking pixels) are small images placed on webpages or in emails. Using these tools, we can identify whether you performed a particular action. When activated, the pixel tags and web beacons generate a notice of action. They allow us to:

her Fusion Services; and

  • improve our Websites and the other Fusion Services by understanding webpage usage and collecting visit counts and responses;
  • provide you with dynamic content;
  • improve your user experience based on your activities on the Websites and the ot
  • deliver advertisements and track their performance and enable advertising networks to deliver advertisements that may be relevant to you based on your activities on the Websites and the other Fusion Services.

How to opt-out of cookies?

You can opt-out of cookies if you decide to do so – however, please be aware that if you do so, some or all of the functionality of our Websites and the other Fusion Services may not be available to you, as we explain in more detail below. Most browsers have cookie management tools, in which you can select which sites can or cannot use cookies. This documentation is usually found in the settings of the web browser you use. Below are links to the required documentation for popular browsers:

For other browsers, please consult the documentation that your browser manufacturer provides. You may opt-out of third party cookies from Google Analytics on its website.

If you opt-out or disable cookies, you may not be able to use some or all of the functionality of our Websites or the other Fusion Services, and you may worsen your overall experience on our Websites. Amongst other things, disabling cookies may affect your ability to use login and password functionality, online payment portals and dynamic content on the Websites and the other Fusion Services. Preferences, such as login and payment details, will not be saved because customised settings will be disabled.

Cookies subject to change

The cookies we use on our Websites and the other Fusion Services are subject to change without notice. If any changes in the cookies we use would require changes to this Cookie Policy, we will notify you as described below in the section “Updating this Policy”. You acknowledge that the information in this Policy may contain inaccuracies or errors and that it is subject to change. We expressly exclude our liability for any such inaccuracies or errors to the greatest extent permitted by law.

Updating this policy

We will notify you of any changes to this Policy by posting the updated Policy on our Websites, and any changes will take effect from the date on which we post the new Policy. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies. If we make a significant change to this Policy, we will take reasonable steps to notify you prior to the change taking effect.

Further information

This Cookie Policy should be read in conjunction with our Privacy Policy which sets out further details about how we use your personal information and who you should contact if you have any queries about how we use your personal information.