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Cookie policy

In this Cookie policy, you will find information regarding the cookies used on forsettlement.com (“the Site”).  This Cookie policy applies to the Site as well as any websites, branded pages on third party platforms (such as Facebook, Twitter or YouTube), and applications accessed or used through such websites or third party platforms (“Ageas Sites”) which are operated by or on behalf of ageas SA / NV (“Ageas”), a limited liability company incorporated in Belgium, with enterprise number 0451.406.524 and whose registered office is located at 1000 Brussels, 1 Rue du Marquis.

By using Ageas Sites, you accept the use of cookies and similar technologies for the purposes Ageas describes hereinafter in accordance with this Cookie policy. If you do not agree to Ageas’ use of cookies in this way, you should set your browser settings accordingly or not use Ageas Sites. Please note that if you disable the cookies that Ageas uses, this may impact your user experience while on Ageas Sites.

Ageas uses cookies within the framework of its Privacy Policy.  You can find more information about the data collected, why Ageas collects personal data and how it uses it and your rights in Ageas Privacy Policy.

Ageas reserves the right to amend this Cookie policy at any time and without notice.  Please refer to this Cookie policy from time to time to review these and/or new additional information.

1. What is a cookie?

A cookie is a small piece of data that a website asks your browser to store on your internet-abled device (e.g. personal computer, smartphone etc.) when you visit a website.  This small piece of data contains information that is transferred to your device. This information is sent back to the website on each subsequent visit, and thus, the cookie allows the website to "remember" your actions or preferences over time.  A cookie enables the website to identify the device on which it is stored, until such cookie reaches its expiry date.

Cookies do not damage your device and cannot deliver viruses. They are not able to run automatically.  Furthermore, cookies do not collect any information on your device or in your personal files.

2. How and why does Ageas use cookies?

The deposit of cookies by Ageas Sites enhances your online experience by allowing Ageas to save your preferences for your next visit.  These cookies contain information such as users' language preference, so that you do not have to enter this information again the next time you visit Ageas Sites.  Some cookies make sure that the graphics on Ageas Sites appear correctly, others that an Ageas Sites application works properly.

Cookies that Ageas uses also aim at obtaining statistics and analysing web traffic and how the various sections of Ageas Sites are used, thus enabling Ageas to improve online experience on Ageas Sites.

3. What types of cookies does Ageas use?

3.1. Cookies used on Ageas Sites

You may encounter the following categories of cookies by browsing Ageas Sites:

3.1.1. Necessary cookies

Necessary cookies are required for the operation of Ageas Sites. These cookies are essential to make Ageas Sites work correctly.  They include cookies that remember previous actions (e.g. entered text) when navigating back to a page in the same session.  These cookies do not identify you as an individual.  If you do not accept necessary cookies, it may affect the performance of Ageas Sites or parts of it.

3.1.2. Functionality cookies

Functionality cookies are used to recognise you when you return to Ageas Sites and to remember the choices you made (such as your language or the region you are in) to enable Ageas to personalise its content for you.  These cookies can also enable visitors to watch videos and engage with social tools, such as social media platforms.  The information the functionality cookies collect may include personally identifiable information that you have disclosed.  If you do not accept functionality cookies, it may affect the performance and functionality of Ageas Sites and may restrict access to contents on Ageas Sites.

3.1.3. Analytical/Performance cookies

Analytical/performance cookies allow Ageas to recognise and count the number of visitors and help Ageas understand how visitors interact with Ageas Sites by providing information about, among others, the areas visited, the time spent on Ageas Sites and any issues encountered.  This helps Ageas to improve the way Ageas Sites work (e.g. by ensuring that you are finding what you are looking for easily). This information is essential in helping Ageas to continuously improve Ageas Sites.  Performance cookies do not identify you as an individual. All data is collected and aggregated anonymously.

3.1.4. Advertising/Targeting cookies

Advertising/targeting cookies record your visit to Ageas Sites, the pages you have visited and the links you have followed.  Ageas will use this information to make Ageas Sites and the advertising displayed on these sites more relevant to you and your interests.  The advertising cookies may be used to deliver targeted advertising and to help Ageas measure the effectiveness of advertising campaigns.  Ageas may also share this information with third parties (including advertisers) for this purpose.  Most advertising cookies track users via their IP address and may collect personally identifiable information.

Please note that all these categories will not be used on each Ageas Site separately.

3.2. Does Ageas use third party cookies?

Some cookies set on Ageas Sites can only be read by Ageas Sites. They are known as ‘first party cookies’.
Ageas Sites also place cookies which can be read by websites owned by third parties (e.g. Google, Facebook): the so-called ‘third party cookies’.  A third party cookie is a cookie that is set on Ageas Sites by partner companies.  Third party cookies are subject to third party privacy policies.
Ageas Sites may contain third party cookies (e.g. delivered by advertising agencies, analytics providers, etc.) enabling them to collect browsing information on your device. 
Ageas may choose to include in Ageas Sites some third party applications that provide you with the possibility to share content with third parties or to let other users know you visited Ageas Sites.  Social network platforms (e.g. Facebook, YouTube, Twitter, etc.) which offer these functionalities may identify you even though you do not use these functionalities on Ageas Sites.  Such functionalities allow social network platforms to track information about your visit to Ageas Sites whenever your social network account is active while visiting Ageas Sites.

Ageas does not control how these third party websites collect your personal data while you are visiting Ageas Sites.  Ageas invites you to read the privacy policies of these third party websites to find out how they use the data they collect. The privacy policies of these third party websites provide you information about how to manage your preferences on your social networks accounts.

3.3. More detailed information on cookies used on the Site

Session or temporary cookies: session or temporary cookies are deleted from your device after you leave Ageas Sites.

Permanent or persistent cookies: permanent or persistent cookies are not deleted from your device after you leave Ageas Sites. They remain on your device for a longer period of time.

Performance cookies

Cookie used

Role of the cookie

“Lifetime” of the cookie / First or third party cookie

Cookie details

Analytics / Tracking

Statistical purpose, used for improving the website and the user experience ;

May be permanent or session cookies
First party cookie

Google Analytics

4. How can I control or delete cookies?

You can manage cookies in different ways. Settings that you make are likely to change your internet browsing capacity.

4.1. Choices offered by your browser

At any time, you can set your browser to accept or reject cookies from Ageas Sites, either globally or cookie by cookie. You can also set your browser so that cookies’ acceptance or rejection will be offered to you each time a cookie is about to be stored on your device.
Please be aware that disabling cookies may impact your user experience and may prevent you from using part of Ageas Sites.  Indeed, some of the cookies Ageas uses are essential for parts of Ageas Sites to operate.  You may delete and block all cookies from Ageas Sites, but that may result in parts of Ageas Sites not working as intended.

Ageas cannot be held liable for all consequences resulting from the minimised access to our services as a result of cookies you previously deleted or rejected.

4.2. How to manage cookie settings in your browser?

You can block or delete cookies in most web browsers and you should be able to block cookies by activating the feature on your browser that allows you to refuse the setting of some or all cookies. The “help” menu in your browser or operating system user manual should provide you with all necessary information about how to set your preferences.
If you would like to block cookies, you can do so for the browser you use:

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, please visit:

For more information on cookies and their use, please visit the Belgian Privacy Commission’s website.