Cookies Policy/Notes

At [hereinafter referred to as “Website”] of the Association of Serbian Insurers, hereinafter referred to as: (“ASI” or “we”, or “us”) strives to honour the privacy and security of any data we collect from users and visitors using our website. We act as a Controller under Law on Personal Data Protection (“Official Gazette RS” 87/2018) – “the Law” and Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (GDPR). This Cookie Policy describes the types of the cookies we use on the Website, purposes for using them, the storage period of cookies on users’ terminal equipment and way how users can act about them in compliance with the Law and GDPR.

1. What are cookies?

A cookie (also called HTTP cookie, web cookie, Internet cookie and browser cookie) is a small file typically of letters and numbers that we store on your browser or the hard drive of your device if you agree, when you access our website. These cookies allow us to distinguish you from other users of Website and helps us to provide you with a good experience when you browse the Website and also allows us to improve Website. A cookie consists of the following components: Name, Value and Zero or more attributes (name/value pairs) that store information such as the cookie’s expiration, domain, and flags (such as Secure and Http Only).

2. What type of cookies we use?

Session cookies are essential for the Website functioning and allow the Website to link the actions of a user during a browser session. They may be used for a variety of purposes such as remembering what a user has put in their shopping basket, or for security when a user is accessing internet banking, or to facilitate, or use of webmail. These session cookies expire after a browser session so would not be stored longer term.

Persistent cookies are stored on a users’ device in between browser sessions which allows the users’ preferences or actions across the Website (or in some cases across different websites) to be remembered. Persistent cookies may be used for a variety of purposes including remembering users’ preferences and choices when using a site or to target advertising.

First party cookies is a cookie which domain attribute will match the domain that is shown in the web browser’s address bar. Whether a cookie is ‘first’ or ‘third’ party refers to the Website or domain placing the cookie. First party cookies in basic terms are cookies set by a website visited by the user – the Website displayed in the URL window.

Third-party cookie belongs to a domain different from the one shown in the address bar. Third party cookies are cookies that are set by a domain other than the one being visited by the user. If a user visits the Website and a separate company sets a cookie through the Website, this would be a third party cookie. This sort of cookie typically appears when web pages feature content from external websites, such as banner advertisements. This opens up the potential for tracking the user’s browsing history and is often used by advertisers in an effort to serve relevant advertisements to each user. As of 2014, some websites were setting cookies readable for over 100 third-party domains. On average, a single website was setting 10 cookies, with a maximum number of cookies (first- and third-party) reaching over 800.

A Pixel is a tiny image that may be found within web pages and emails, requiring a call (which provides device and visit information) to our servers in order for the pixel to be rendered in those web pages and emails. The Website use pixels to learn more about users’ interactions with email content or web content, such as whether user interacted with ads or posts. Pixels can also enable the Website and third parties to place cookies on users’ browser.

3. Who are the users of our web site?

Subscriber on the Website means a client or person who is a party to a contract with us as a provider of public electronic communications services. In this context, the IMGGI’s researchers are subscribers.
User or visitor means any individual using a public electronic communications service. In this context a user would be the person sat at a computer or using a mobile device to browse the Internet.

4. How do we use cookies and pixels?

We use session cookies on the Website for its technical functioning, Internet marketing cookies for advertising and analytical cookies for gathering statistics.

The Website uses the following third parties’ cookies: Googol analytics for statistic; Google remarketing tags (cods) for marketing; Google geotags for location, Facebook Analytic for statistic, Facebook pixels for advertisement and Google Administrative tools for maintain website’s performance in search results.

4.1 Web analytics

Google analytics, managed by Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States, is used to track the Website activity of the users such as session duration, pages per session, bounce rate etc. along with the information on the source of the traffic. Google Analytics’ approach is to show high-level data for the casual user, and more in-depth data further into the report set. Google Analytics analysis can identify poorly performing pages with techniques such as funnel visualization, where visitors came from, how long they stayed on the Website and their geographical position. It also provides more advanced features, including custom visitor segmentation. Google analytic uses cookies to help to analyze the use of this site and to compile reports about the Website activity. This information will not be passed to third parties.
By opt-in by European residents and opt-out by Serbian residents to cookie usage, a cookie is stored on your computer that tells us that we are (not) allowed to process your data. Note that your objection only remains valid for as long as this cookie is stored on your system. These cookies are not used to identify you personally. They’re just there to make the Website work better for you. They allow us to recognize and count the number of users and to see how visitors move around the Website when they’re using it. This helps us to improve the way the Website works, for example by making sure users are finding what they need easily. Read more about the individual analytical cookies we use and how to recognize them in Google Cookies Notice [link]. Using Google Analytics statistics we know that many of our users are, for example:
– Male or female
– How many years they are old
– Do they have a strong interest in technology
– Where they work, for example in financial or investment services, and
– How to track certain users.
This feature can be incredibly useful for remarketing campaigns.

4.2 Googles remarketing cookies

We use remarketing cookies as ones of the most important tools in a digital marketer’s toolbox. Remarketing allows us to track users who have visited the Website, but failed to take action. When visitors once leave the Website the remarketing cookies serve ads to them on other websites. Remarketing enables us to increase our conversion rates and return of investment (ROI), because past site visitors who are already familiar with our service are much more likely to become visitors or complete other valuable actions on the Website. Remarketing can be enabled on search and display campaigns, as well as social advertising initiatives. We use Google Remarketing Codes to log when users view specific pages or take specific actions on the Website. This allows us to provide targeted advertising in the future.

4.3 Googles Geotags cookies for location

The Geotag is an open source program written in Java that can easily be translated to different languages. It allows us match date/time information from photos as personal data with location information from a GPS unit or from a Google map. The main features of the Geotag Geotags cookies are:
– Portability of the used source code;
– Graphical user interface for adding location information to your photos easy;
– Intelligent matching algorithms that automatically match GPS data to your photos;
– Fine tune location using Google Maps and Google Earth;
– Assign location names to photos, and.
– Support too many file formats such as JPEG/JPG files and many RAW camera vendor specific files (Sony, Canon, Kodak, Adobe, Epson, Mamiya, Minolta, Nikon, Olympus, Pentax, Fuji, Panasonic).


5. Social media cookies

The Website is active on several social media platforms such as Facebook, Twitter, YouTube and LinkedIn to strengthen our online presence and visibility of the IMGGI research results. When you are browsing the Website, it does not set cookies with the display of links to our social media channels. You can also follow links from our website to social media and social networking services: Twitter, Facebook and LinkedIn. By clicking on the social media buttons on our website, you will be re-directed to the relevant sites, which have their own cookie and privacy policies over which we have no control. The display of our Twitter feed on this website uses a third party cookie-free component. Clicking on the Twitter icon on this website will re-direct you to the Twitter site, which has its own cookie and privacy policies over which we have no control.

5.1 Facebook advertising             

Since Facebook, managed by Facebook Inc., 1 Hacker Way Menlo Park, CA 94025, gets data from their users, who are above 16 years old, and enter it voluntarily on their profile with the personal data such as master data, age, location, and interests, they have a good idea of who users are and what they like? Collected subject’s data are: First name, last name, Email address, Contact phone and Company. Another behavioral data that visitors can select from box, are: 

 How much do you currently spend per month on graphic design services? (To be selected);

 On average, how many creative projects do you have per week? (To be selected)

 Which role best describes you? (To be selected)

 How experienced are you in this job? (To be selected)

 Are you comfortable using email to make creative requests? (YES, NO)

Those data can serve us to target unmistakably ads that show them products or services that they are likely to get, sites they tend to like or to attend. Every Facebook ad has a few features that allow a user to be sure that it’s an ad:

 A “Sponsored” tag right underneath the name of the page that is advertising to you.  

 A unique “Like Page” button, in the top right corner, that’s never visible on regular posts. 

 A call-to-action or CTA, predefined set of buttons, in the bottom right corner, which might say one of the following things:

 a “sponsored” tag, below the name of the site,

 the prompt to like the page in the top right corner, and

 a call-to-action button (CTA) in the bottom right corner.

5.2 Facebook analytics

Facebook analitycs or Facebook Insights is a powerful and free analytics tool that allows us to easily measure the performance of our web page on Facebook. Insights tracks likes, page views, reach, and more. Facebook analytics helps us understand who the most engaged audience is, and how they are interacting with our page. Understanding our Facebook page’s metrics gives us the information we need to make sure we are putting the right content in front of the right Facebook audience. It helps us work with Facebook’s algorithm, instead of just sending content into the void and hoping someone will see it. 

As our social media goal is to grow our following as quickly as possible, we can view how our page likes and reach have changed over the last seven days. Then as we see a pattern developing or want to learn more, we can dig deeper into other sections. The Page Likes section is a great place both to monitor the overall growth of our followers and understand the source of these likes, such as organic posts on our page or a Facebook advertising campaign. We can narrow our focus to specific time periods by clicking or dragging to select a date range on any of the graphs. This can help us isolate the effects of a specific advertising campaign or series of posts. The Post Reach section gives us an overview of how many people saw content from our page and how they interacted with it. 

5.3 Google webmaster tools 

Google Webmaster Tools (GWT) or Google Search Console is a free of charge service for webmasters or website administrators that helps us evaluate and maintain the Website performance in search results, checking indexing status and optimizing visibility the Website. We do not need to use GWT for the Website to appear in search results, but it can offer us valuable information that can help with our marketing efforts. The GWT is the essential component for webmaster to communicate with Google. The GWT lets us distinguish issues with the Webpage and can even update it regarding whether the Website has been tainted with malware attacks or not. Additionally we use codes that recognize the Website visitor’s device, its operating system and resolution to optimize the Web site display on visitor’s platform.   


6. Privacy data measures

Our web site is configured to store first-party cookies that expire after 13 months. Cookies that we use enable us to track the following information about visitors. We use this information to prepare aggregated, anonymous statistics reports of visitor activity, as follows:
– IP address (masked)
– Location: country, region, city, approximate latitude and longitude (Geolocation)
– Date and time of the request (visit to the site)
– Title of the page being viewed (Page Title)
– URL of the page being viewed (Page URL)
– URL of the page that was viewed prior to the current page (Referrer URL)
– Screen resolution of user’s device
– Time in local visitor’s time-zone
– Files that were clicked and downloaded (Download)
– Links to an outside domain that were clicked (Out link)
– Pages generation time (the time it takes for webpages to be generated by the webserver and then downloaded by the visitor: Page speed)
– Main language of the browser being used (Accept-Language header)
– Browser version, browser plugins (PDF, Flash, Java, …) operating system version, device identifier (User-Agent header)
– Language of the visited page
– Campaigns
– Site Search
– Events.
To improve the accuracy of the produced reports, information is also stored in a first-party cookie from our website and then collected by third party cookies:
– Random unique Visitor ID;
– Time of the first visit for the specific visitor;
– Time of the previous visit for the specific visitor, and
– Number of visits for the specific visitor. 

We retain full control of the data collected through first-party cookies by storing them in server, protected and controlled by the Website administrators.

To prevent haking activities our web site collects data on IP adressses and web site users that trying to penetrate into our backoffice and CMS system, and after two failed attempts it blockes the coresponding IP adress.

7. How to control cookies?

Managing cookies in users’ browser, any user can control and/or delete cookies as he/she wish. A user can delete all cookies that are already on his/her computer and he/she can set most browsers to prevent them from being placed. Most browsers allow users to:
– see what cookies you’ve got and delete them on an individual basis,
– block third party cookies,
– block cookies from particular sites,
– block all cookies from being set,
– delete all cookies when you close your browser.

If users chose to delete cookies, they should be aware that any preferences will be lost. Also, if they block cookies completely many websites (including the Website) might not work properly.

8. How to obtain your consent?

Our Cookies Policy state that consent for a cookie should be obtained from the subscriber or user. In practice the owner of a website may well not be able to distinguish between consent provided by the subscriber or the user. The key then is that valid consent has been provided.
In case a user wants to download a research paper a persistent first party cookie is used to personalize user’s experience. In most cases the user will already be agreeing to terms and conditions to download the paper. The way in which cookies are used is clearly and specifically in a prominent place in this process of agreement to these conditions in “Cookies Preferences” next to “Accept” box. Once this consent is obtained the option will not have to be provided each time the download of paper is used. Typing Accept without reading farther information is up to visitor. Typing Cookies Preferencies any visitor will have option to be informed and able to make choice on use of the cookies at the Website.

Using this technique you could ensure you are compliant by not switching on any cookies unless the person clicks Accept. Some users might not click on either of the options available and go straight through to another part of the site. If they do, you might decide that you could set a cookie and infer consent from the fact that the user has seen a clear notice and actively indicated that they are comfortable with cookies by clicking through and using the site. This is an option that relies on the user being aware that the consequence of using the site is the setting of cookies. If you choose this option you might want the reassurance of a notice appearing elsewhere on the site which reminds users that you are setting cookies. The most important is that all cookies used at the website, except essential cookies for web site functionality, have to be disable by default, and visitors should have right to enable/refuse them by typing ON/OFF in Cookies Preferences. To give us you explicit consent please see our instruction at the bottom of the Website home page.