Cookie Policy

The FEC Mutual Limited ("we", "us", "our") uses cookies and other similar tracking technologies (such as pixels, plugins, scripts, and tags (which we collectively refer to as "cookies" in this Cookie Policy).  

The FEC Mutual Limited uses cookies to ensure that our website works properly. We also like to use cookies to improve and personalise your visit to our website, understand how you use our website, and for our advertising purposes. 

What are Cookies? 

Cookies are small text files placed on your device when you visit a website. Cookies are useful because they allow a website to recognise your visit, collect information about your use of that website and provide you with a more personalised web experience. Cookies contain information that is transferred to your device's hard drive (or random-access memory in the case of session cookies), and some cookies may collect personal data about you.  

You can find out about the different types of cookies used on our website below. You should be aware that refusing some types of cookies may impact your experience of our website. You can change your cookie preferences at any time via your computer settings. 

Our use of cookies 

We want you to understand the different types of cookies that are used on our website. We use a variety of types of cookies for the following purposes:

  • Strictly Necessary Cookies: these cookies are essential to enable a user to move around our website. Without these cookies, a user could not perform the basic functions or services they have asked for. These cookies may be set automatically when pages load or because of a user request that cannot be fulfilled without the use of the cookie. 
  • User input cookies: these first-party user input session cookies are typically used to keep track of the user’s inputs when completing online forms over several pages of a website, such as adding items to a shopping basket to keep track of the items the user has selected.  
  • Authentication cookies: these are used to keep a user logged in during a browser session (e.g. on Members’ Area).  
  • User-centric security cookies: these cookies are used to increase the security of the service that has been explicitly requested by the user. For example, cookies are used to detect repeated failed login attempts on a website or other similar mechanisms designed to protect the login system from abuse. 
  • Fraud detection cookies: these cookies help us identify suspicious behaviour on our website so we can detect and prevent fraud. 
  • Load balancing session cookies: these cookies enable the distribution of the processing of web server requests over a pool of machines instead of just one. The information in the cookie has the sole purpose of identifying one of the communication endpoints (one of the servers in the pool) and is thus necessary to conduct the communication over the network. 
  • Multimedia player cookies: these cookies are used to store technical data needed to play back video or audio content, such as image quality, network link speed and buffering parameters. 
  • Performance Cookies: also called ‘analytics’ cookies, these cookies collect information about how users, in general, use a website, for instance, which pages users go to most often and if they get error messages from web pages. These cookies may provide website owners with statistical information about the website, which can be used for performance measurement and improvement.  
  • Functionality Cookies: these cookies allow our website to remember choices users make (such as username or region the user is in) and provide enhanced, more personal features.  
  • Use of cookies by third parties: Please note that the following third parties may also use cookies. These named third parties may include, for example, advertising networks and providers of external services. 

How long do cookies last?  

Except for essential cookies, the cookies we use on our website expire as follows:  

  • Session cookies: these are created temporarily in your browser's subfolder while you are visiting a website and are automatically deleted when you leave the website. 
  • Persistent cookies: in contrast to session cookies, persistent cookies are re-activated when you return to the same website and remain in your browser's subfolder until they expire (usually after 12 months). 

Privacy  

We are committed to using cookies fairly and in accordance with applicable privacy rights.  

Changes to this Cookie Policy 

If this Cookie Policy changes, the revised policy will include a new effective date and will be posted on this page. Please check back regularly to keep informed of updates. If we make major changes to this Cookie Policy, we will take additional steps to ensure you are informed of such changes.