We value your privacy

We and use cookies and other tracking technologies to improve your experience on our website. We may store and/or access information on a device and process personal data, such as your IP address and browsing data, for personalised advertising and content, advertising and content measurement, audience research and services development. Additionally, we may utilize precise geolocation data and identification through device scanning.

Please note that your consent will be valid across all our subdomains. Once you give consent, a floating button will appear at the bottom of your screen, allowing you to change or withdraw your consent at any time. We respect your choices and are committed to providing you with a transparent and secure browsing experience. Cookie Policy

Customise Consent Preferences

Customise your consent preferences for Cookie Categories and advertising tracking preferences for Purposes & Features and Vendors below. You can give granular consent for each . Most vendors require explicit consent for personal data processing, while some rely on legitimate interest. However, you have the right to object to their use of legitimate interest. Additionally, please note that your preferences regarding purposes and vendors are saved in a cookie named 'euconsent' on your device and may be retained for up to 730 days to remember your choices.

Cookie Categories

We use cookies to help you navigate efficiently and perform certain functions while using our website. You will find detailed information about all cookies under each category below.

The cookies that are categorised as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of our website. ... 

Always Active

Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.

  • Cookie
    ASLBSA
  • Duration
    session
  • Description

    Microsoft Front Door Affinity Cookie. These cookies are used to direct your browser to use the appropriate server for your location - ensuring availability and performance.

  • Cookie
    ASLBSACORS
  • Duration
    session
  • Description

    Microsoft Front Door Affinity Cookie. These cookies are used to direct your browser to use the appropriate server for your location - ensuring availability and performance.

  • Cookie
    zephr_sso
  • Duration
    1 year
  • Description

    When visiting the auth domain a cookie is used to establish the SSO token to use. This token is then linked to a One-Time-Token (OTT) that is set when redirecting back to the original site.

  • Cookie
    blaize_session
  • Duration
    4 months 18 days
  • Description

    This is the cookie that identifies a user’s session in Zephr; it is a unique identifier. We use this identifier to determine, for example, their session state or access model.

  • Cookie
    blaize_tracking_id
  • Duration
    1 year 1 month 4 days
  • Description

    The purpose of this cookie is to track a user’s journey from the first visit to the site. It is an identifier that can be used to identify a user once it is authenticated in Zephr.

  • Cookie
    AWSALBCORS
  • Duration
    7 days
  • Description
    Amazon Web Services set this cookie for load balancing.
  • Cookie
    __cf_bm
  • Duration
    1 hour
  • Description
    This cookie, set by Cloudflare, is used to support Cloudflare Bot Management.
  • Cookie
    OptanonConsent
  • Duration
    1 year
  • Description
    OneTrust sets this cookie to store details about the site's cookie category and check whether visitors have given or withdrawn consent from the use of each category.
  • Cookie
    _cfuvid
  • Duration
    session
  • Description
    Calendly sets this cookie to track users across sessions to optimize user experience by maintaining session consistency and providing personalized services
  • Cookie
    __gads
  • Duration
    1 year 24 days
  • Description
    The __gads cookie, set by Google, is stored under DoubleClick domain and tracks the number of times users see an advert, measures the success of the campaign and calculates its revenue. This cookie can only be read from the domain they are set on and will not track any data while browsing through other sites.
  • Cookie
    rc::h
  • Duration
    Never Expires
  • Description
    This cookie is set by the Google recaptcha service to identify bots to protect the website against malicious spam attacks.
  • Cookie
    rc::e
  • Duration
    session
  • Description
    This cookie is set by the Google recaptcha service to identify bots to protect the website against malicious spam attacks.
  • Cookie
    __cfruid
  • Duration
    session
  • Description
    Cloudflare sets this cookie to identify trusted web traffic.
  • Cookie
    m
  • Duration
    1 year 1 month 4 days
  • Description
    Stripe sets this cookie for fraud prevention purposes. It identifies the device used to access the website, allowing the website to be formatted accordingly.
  • Cookie
    __hssrc
  • Duration
    session
  • Description
    This cookie is set by Hubspot whenever it changes the session cookie. The __hssrc cookie set to 1 indicates that the user has restarted the browser, and if the cookie does not exist, it is assumed to be a new session.
  • Cookie
    __hssc
  • Duration
    1 hour
  • Description
    HubSpot sets this cookie to keep track of sessions and to determine if HubSpot should increment the session number and timestamps in the __hstc cookie.
  • Cookie
    cookieyes-consent
  • Duration
    1 year
  • Description
    CookieYes sets this cookie to remember users' consent preferences so that their preferences are respected on subsequent visits to this site. It does not collect or store any personal information about the site visitors.
  • Cookie
    euconsent
  • Duration
    1 year
  • Description
    CookieYes sets this cookie to store data when IAB TCF is enabled.

Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.

  • Cookie
    lidc
  • Duration
    1 day
  • Description
    LinkedIn sets the lidc cookie to facilitate data center selection.
  • Cookie
    li_gc
  • Duration
    6 months
  • Description
    Linkedin set this cookie for storing visitor's consent regarding using cookies for non-essential purposes.
  • Cookie
    elfsight_viewed_recently
  • Duration
    Less than a minute
  • Description

    Determines which products the user has viewed, allowing the website to promote related products.

  • Cookie
    __tld__
  • Duration
    session
  • Description

    This cookie helps to figure out a top-level domain for a user.

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.

  • Cookie
    _zitok
  • Duration
    1 year
  • Description
    First-party cookie set by ZoomInfo to identify unique visitors.  
  • Cookie
    lpv1079102
  • Duration
    1 hour
  • Description
    Allows you to track page views during a given session  
  • Cookie
    _gcl_au
  • Duration
    3 months
  • Description
    Google Tag Manager sets the cookie to experiment advertisement efficiency of websites using their services.
  • Cookie
    _ga
  • Duration
    1 year 1 month 4 days
  • Description
    Google Analytics sets this cookie to calculate visitor, session and campaign data and track site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors.
  • Cookie
    _ga_*
  • Duration
    1 year 1 month 4 days
  • Description
    Google Analytics sets this cookie to store and count page views.
  • Cookie
    pardot
  • Duration
    past
  • Description
    The pardot cookie is set while the visitor is logged in as a Pardot user. The cookie indicates an active session and is not used for tracking.
  • Cookie
    ga_clientId
  • Duration
    Never Expires
  • Description
    Google Analytics sets this cookie to register statistical data on users' behavior on the website.
  • Cookie
    __hstc
  • Duration
    6 months
  • Description
    Hubspot set this main cookie for tracking visitors. It contains the domain, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session).
  • Cookie
    hubspotutk
  • Duration
    6 months
  • Description
    HubSpot sets this cookie to keep track of the visitors to the website. This cookie is passed to HubSpot on form submission and used when deduplicating contacts.

Performance cookies are used to understand and analyse the key performance indexes of the website which helps in delivering a better user experience for the visitors.

  • Cookie
    AWSALB
  • Duration
    7 days
  • Description
    AWSALB is an application load balancer cookie set by Amazon Web Services to map the session to the target.
  • Cookie
    _calendly_session
  • Duration
    21 days
  • Description
    Calendly, a Meeting Schedulers, sets this cookie to allow the meeting scheduler to function within the website and to add events into the visitor’s calendar.

Advertisement cookies are used to provide visitors with customised advertisements based on the pages you visited previously and to analyse the effectiveness of the ad campaigns.

  • Cookie
    wisepops
  • Duration
    1 year 1 month 4 days
  • Description
    WisePops is a tool to serve pop up messages. It uses a cookie to prevent the same message being shown more than once. We do not capture personal data in the pop ups.  
  • Cookie
    wisepops_session
  • Duration
    session
  • Description
    WisePops is a tool to serve pop up messages. It uses a cookie to prevent the same message being shown more than once. We do not capture personal data in the pop ups.  
  • Cookie
    wisepops_visitor
  • Duration
    1 year 1 month 4 days
  • Description
    WisePops is a tool to serve pop up messages. It uses a cookie to prevent the same message being shown more than once. We do not capture personal data in the pop ups.  
  • Cookie
    wisepops_visits
  • Duration
    1 year 1 month 4 days
  • Description
    WisePops is a tool to serve pop up messages. It uses a cookie to prevent the same message being shown more than once. We do not capture personal data in the pop ups.  
  • Cookie
    __eoi
  • Duration
    6 months
  • Description

    Used for security purposes by AdSense, AdSense for Search, Display & Video 360, Google Ad Manager, Google Ads

  • Cookie
    bcookie
  • Duration
    1 year
  • Description
    LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser IDs.
  • Cookie
    test_cookie
  • Duration
    15 minutes
  • Description
    doubleclick.net sets this cookie to determine if the user's browser supports cookies.
  • Cookie
    visitor_id*
  • Duration
    1 year
  • Description
    Pardot sets this cookie to store a unique user ID.
  • Cookie
    visitor_id*-hash
  • Duration
    1 year
  • Description
    Pardot sets this cookie to store a unique user ID.
  • Cookie
    IDE
  • Duration
    1 year 24 days
  • Description
    Google DoubleClick IDE cookies store information about how the user uses the website to present them with relevant ads according to the user profile.
  • Cookie
    __gpi
  • Duration
    1 year 24 days
  • Description
    Google Ads Service uses this cookie to collect information about from multiple websites for retargeting ads.
  • Cookie
    UserID1
  • Duration
    3 months
  • Description
    Adition sets this cookie as a unique anonymous ID for a website visitor. This ID is used to identify the user across sessions and to track their activity on the website. The data collected is used for analysis purposes.

Other uncategorised cookies are those that are being analysed and have not been classified into a category as yet.

  • Cookie
    __marketingtp
  • Duration
    session
  • Description
    Description is currently not available.
  • Cookie
    _autuserid2
  • Duration
    3 months
  • Description
    No description available.

Purposes & Features

Consent

Cookies, device or similar online identifiers (e.g. login-based identifiers, randomly assigned identifiers, network based identifiers) together with other information (e.g. browser type and information, language, screen size, supported technologies etc.) can be stored or read on your device to recognise it each time it connects to an app or to a website, for one or several of the purposes presented here.

Illustrations

  • Most purposes explained in this notice rely on the storage or accessing of information from your device when you use an app or visit a website. For example, a vendor or publisher might need to store a cookie on your device during your first visit on a website, to be able to recognise your device during your next visits (by accessing this cookie each time).

Number of Vendors seeking consent: 733

Legitimate Interest
Consent

Advertising presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type or which content you are (or have been) interacting with (for example, to limit the number of times an ad is presented to you).

Illustrations

  • A car manufacturer wants to promote its electric vehicles to environmentally conscious users living in the city after office hours. The advertising is presented on a page with related content (such as an article on climate change actions) after 6:30 p.m. to users whose non-precise location suggests that they are in an urban zone.
  • A large producer of watercolour paints wants to carry out an online advertising campaign for its latest watercolour range, diversifying its audience to reach as many amateur and professional artists as possible and avoiding showing the ad next to mismatched content (for instance, articles about how to paint your house). The number of times that the ad has been presented to you is detected and limited, to avoid presenting it too often.

Number of Vendors seeking consent or relying on legitimate interest: 682

Consent

Information about your activity on this service (such as forms you submit, content you look at) can be stored and combined with other information about you (for example, information from your previous activity on this service and other websites or apps) or similar users. This is then used to build or improve a profile about you (that might include possible interests and personal aspects). Your profile can be used (also later) to present advertising that appears more relevant based on your possible interests by this and other entities.

Illustrations

  • If you read several articles about the best bike accessories to buy, this information could be used to create a profile about your interest in bike accessories. Such a profile may be used or improved later on, on the same or a different website or app to present you with advertising for a particular bike accessory brand. If you also look at a configurator for a vehicle on a luxury car manufacturer website, this information could be combined with your interest in bikes to refine your profile and make an assumption that you are interested in luxury cycling gear.
  • An apparel company wishes to promote its new line of high-end baby clothes. It gets in touch with an agency that has a network of clients with high income customers (such as high-end supermarkets) and asks the agency to create profiles of young parents or couples who can be assumed to be wealthy and to have a new child, so that these can later be used to present advertising within partner apps based on those profiles.

Number of Vendors seeking consent: 545

Consent

Advertising presented to you on this service can be based on your advertising profiles, which can reflect your activity on this service or other websites or apps (like the forms you submit, content you look at), possible interests and personal aspects.

Illustrations

  • An online retailer wants to advertise a limited sale on running shoes. It wants to target advertising to users who previously looked at running shoes on its mobile app. Tracking technologies might be used to recognise that you have previously used the mobile app to consult running shoes, in order to present you with the corresponding advertisement on the app.
  • A profile created for personalised advertising in relation to a person having searched for bike accessories on a website can be used to present the relevant advertisement for bike accessories on a mobile app of another organisation.

Number of Vendors seeking consent: 542

Consent

Information about your activity on this service (for instance, forms you submit, non-advertising content you look at) can be stored and combined with other information about you (such as your previous activity on this service or other websites or apps) or similar users. This is then used to build or improve a profile about you (which might for example include possible interests and personal aspects). Your profile can be used (also later) to present content that appears more relevant based on your possible interests, such as by adapting the order in which content is shown to you, so that it is even easier for you to find content that matches your interests.

Illustrations

  • You read several articles on how to build a treehouse on a social media platform. This information might be added to a profile to mark your interest in content related to outdoors as well as do-it-yourself guides (with the objective of allowing the personalisation of content, so that for example you are presented with more blog posts and articles on treehouses and wood cabins in the future).
  • You have viewed three videos on space exploration across different TV apps. An unrelated news platform with which you have had no contact builds a profile based on that viewing behaviour, marking space exploration as a topic of possible interest for other videos.

Number of Vendors seeking consent: 239

Consent

Content presented to you on this service can be based on your content personalisation profiles, which can reflect your activity on this or other services (for instance, the forms you submit, content you look at), possible interests and personal aspects. This can for example be used to adapt the order in which content is shown to you, so that it is even easier for you to find (non-advertising) content that matches your interests.

Illustrations

  • You read articles on vegetarian food on a social media platform and then use the cooking app of an unrelated company. The profile built about you on the social media platform will be used to present you vegetarian recipes on the welcome screen of the cooking app.
  • You have viewed three videos about rowing across different websites. An unrelated video sharing platform will recommend five other videos on rowing that may be of interest to you when you use your TV app, based on a profile built about you when you visited those different websites to watch online videos.

Number of Vendors seeking consent: 214

Legitimate Interest
Consent

Information regarding which advertising is presented to you and how you interact with it can be used to determine how well an advert has worked for you or other users and whether the goals of the advertising were reached. For instance, whether you saw an ad, whether you clicked on it, whether it led you to buy a product or visit a website, etc. This is very helpful to understand the relevance of advertising campaigns.

Illustrations

  • You have clicked on an advertisement about a “black Friday” discount by an online shop on the website of a publisher and purchased a product. Your click will be linked to this purchase. Your interaction and that of other users will be measured to know how many clicks on the ad led to a purchase.
  • You are one of very few to have clicked on an advertisement about an “international appreciation day” discount by an online gift shop within the app of a publisher. The publisher wants to have reports to understand how often a specific ad placement within the app, and notably the “international appreciation day” ad, has been viewed or clicked by you and other users, in order to help the publisher and its partners (such as agencies) optimise ad placements.

Number of Vendors seeking consent or relying on legitimate interest: 792

Legitimate Interest
Consent

Information regarding which content is presented to you and how you interact with it can be used to determine whether the (non-advertising) content e.g. reached its intended audience and matched your interests. For instance, whether you read an article, watch a video, listen to a podcast or look at a product description, how long you spent on this service and the web pages you visit etc. This is very helpful to understand the relevance of (non-advertising) content that is shown to you.

Illustrations

  • You have read a blog post about hiking on a mobile app of a publisher and followed a link to a recommended and related post. Your interactions will be recorded as showing that the initial hiking post was useful to you and that it was successful in interesting you in the related post. This will be measured to know whether to produce more posts on hiking in the future and where to place them on the home screen of the mobile app.
  • You were presented a video on fashion trends, but you and several other users stopped watching after 30 seconds. This information is then used to evaluate the right length of future videos on fashion trends.

Number of Vendors seeking consent or relying on legitimate interest: 390

Legitimate Interest
Consent

Reports can be generated based on the combination of data sets (like user profiles, statistics, market research, analytics data) regarding your interactions and those of other users with advertising or (non-advertising) content to identify common characteristics (for instance, to determine which target audiences are more receptive to an ad campaign or to certain contents).

Illustrations

  • The owner of an online bookstore wants commercial reporting showing the proportion of visitors who consulted and left its site without buying, or consulted and bought the last celebrity autobiography of the month, as well as the average age and the male/female distribution of each category. Data relating to your navigation on its site and to your personal characteristics is then used and combined with other such data to produce these statistics.
  • An advertiser wants to better understand the type of audience interacting with its adverts. It calls upon a research institute to compare the characteristics of users who interacted with the ad with typical attributes of users of similar platforms, across different devices. This comparison reveals to the advertiser that its ad audience is mainly accessing the adverts through mobile devices and is likely in the 45-60 age range.

Number of Vendors seeking consent or relying on legitimate interest: 498

Legitimate Interest
Consent

Information about your activity on this service, such as your interaction with ads or content, can be very helpful to improve products and services and to build new products and services based on user interactions, the type of audience, etc. This specific purpose does not include the development or improvement of user profiles and identifiers.

Illustrations

  • A technology platform working with a social media provider notices a growth in mobile app users, and sees based on their profiles that many of them are connecting through mobile connections. It uses a new technology to deliver ads that are formatted for mobile devices and that are low-bandwidth, to improve their performance.
  • An advertiser is looking for a way to display ads on a new type of consumer device. It collects information regarding the way users interact with this new kind of device to determine whether it can build a new mechanism for displaying advertising on this type of device.

Number of Vendors seeking consent or relying on legitimate interest: 591

Legitimate Interest
Consent

Content presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type, or which content you are (or have been) interacting with (for example, to limit the number of times a video or an article is presented to you).

Illustrations

  • A travel magazine has published an article on its website about the new online courses proposed by a language school, to improve travelling experiences abroad. The school’s blog posts are inserted directly at the bottom of the page, and selected on the basis of your non-precise location (for instance, blog posts explaining the course curriculum for different languages than the language of the country you are situated in).
  • A sports news mobile app has started a new section of articles covering the most recent football games. Each article includes videos hosted by a separate streaming platform showcasing the highlights of each match. If you fast-forward a video, this information may be used to select a shorter video to play next.

Number of Vendors seeking consent or relying on legitimate interest: 149

Your data can be used to monitor for and prevent unusual and possibly fraudulent activity (for example, regarding advertising, ad clicks by bots), and ensure systems and processes work properly and securely. It can also be used to correct any problems you, the publisher or the advertiser may encounter in the delivery of content and ads and in your interaction with them.

Illustrations

  • An advertising intermediary delivers ads from various advertisers to its network of partnering websites. It notices a large increase in clicks on ads relating to one advertiser, and uses data regarding the source of the clicks to determine that 80% of the clicks come from bots rather than humans.

Number of Vendors seeking consent: 560

Certain information (like an IP address or device capabilities) is used to ensure the technical compatibility of the content or advertising, and to facilitate the transmission of the content or ad to your device.

Illustrations

  • Clicking on a link in an article might normally send you to another page or part of the article. To achieve this, 1°) your browser sends a request to a server linked to the website, 2°) the server answers back (“here is the article you asked for”), using technical information automatically included in the request sent by your device, to properly display the information / images that are part of the article you asked for. Technically, such exchange of information is necessary to deliver the content that appears on your screen.

Number of Vendors seeking consent: 560

The choices you make regarding the purposes and entities listed in this notice are saved and made available to those entities in the form of digital signals (such as a string of characters). This is necessary in order to enable both this service and those entities to respect such choices.

Illustrations

  • When you visit a website and are offered a choice between consenting to the use of profiles for personalised advertising or not consenting, the choice you make is saved and made available to advertising providers, so that advertising presented to you respects that choice.

Number of Vendors seeking consent: 385

Information about your activity on this service may be matched and combined with other information relating to you and originating from various sources (for instance your activity on a separate online service, your use of a loyalty card in-store, or your answers to a survey), in support of the purposes explained in this notice.

Number of Vendors seeking consent: 396

In support of the purposes explained in this notice, your device might be considered as likely linked to other devices that belong to you or your household (for instance because you are logged in to the same service on both your phone and your computer, or because you may use the same Internet connection on both devices).

Number of Vendors seeking consent: 350

Your device might be distinguished from other devices based on information it automatically sends when accessing the Internet (for instance, the IP address of your Internet connection or the type of browser you are using) in support of the purposes exposed in this notice.

Number of Vendors seeking consent: 529

Consent

With your acceptance, your precise location (within a radius of less than 500 metres) may be used in support of the purposes explained in this notice.

Number of Vendors seeking consent: 277

Consent

With your acceptance, certain characteristics specific to your device might be requested and used to distinguish it from other devices (such as the installed fonts or plugins, the resolution of your screen) in support of the purposes explained in this notice.

Number of Vendors seeking consent: 143

Vendors
JPI class faces potential loss after BMO appeal in Minnesota case

JPI class faces potential loss after BMO appeal in Minnesota case

Sources expect at least $80mn-$90mn of insured losses stemming from the case.

By Jairo Ibarra Ayesha Venkataraman
October 03, 2024
bmo bank of montreal.png

The judgment preservation insurance (JPI) class is braced for a potential loss of at least $80mn-$90mn following a favorable appeal that the Bank of Montreal (BMO) secured over a lawsuit related to a Ponzi scheme case in Minnesota, Insurance...

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