Cookie Policy

1. What are cookies?

A cookie is a text file that a web server can store on your computer's hard drive to hold certain information about you as a user. Cookies are used for various purposes, such as storing data for future visits, recognising the user and avoiding the need to log in again, finding out which pages you visit, or saving your preferences in customisable areas. Websites typically use cookies to gather statistical information about their pages and analyse the behaviour of their customers and users.

The following purposes are exempt from the obligations set out in Article 22.2 of the LSSI (Spain's Information Society Services Act):

• Enabling communication solely between the user's device and the network.
• Strictly providing a service expressly requested by the user.

Cookies exempted on these grounds include those intended to:

• «User input» cookies. These are stored on the device when the user enters information on a website, for example when filling in a web form.
• User authentication or identification cookies (session only). Their function is to identify a user when they enter their credentials to log in.
• User security cookies. These detect security problems or risks, for example by picking up repeated failed login attempts.
• Media player session cookies. These allow multimedia content to play on the sites the user visits.
• Load-balancing session cookies. These connect the website's server with the user's, so that information can be transmitted between the two.
• User-interface personalisation cookies. These remember user preferences while browsing a website, for example the chosen language or browser.
• Certain plug-in cookies for sharing social content. These are used when the user visits social networks through a website.

The specific uses we make of these technologies are described in the following sections.

2. Types of cookies

Cookies can be classified according to the following criteria.

By who installs the cookie

• First-party cookies: these are sent to the user's device from a computer or domain managed by the publisher itself, from which the service requested by the user is provided.
• Third-party cookies: these are sent to the user's device from a computer or domain managed by us or by a third party, but the information collected by the cookies is managed by a third party other than the website owner.

By retention period

• Session cookies: these last for as long as the user is browsing the website and are deleted once browsing ends.
• Persistent cookies: these remain stored on the user's device for a longer period, making it easier to keep track of chosen preferences without having to repeat certain settings each time the website is visited.

By purpose

• Technical cookies: these are essential and strictly necessary for a website to function properly and for the various options and services it offers to be used, for example those that maintain a session or allow the use of security features.
• Personalisation cookies: these allow the user to choose or personalise features of the website, such as language, regional settings or browser type.
• Analytics cookies: these are used by websites to build browsing profiles and understand user preferences in order to improve their range of products and services.
• Advertising or behavioural advertising cookies: these store information about user behaviour gathered through ongoing observation of their browsing habits, making it possible to build a specific profile for showing advertising based on it.

3. Cookies used on our website

retuertoyasociados.com uses the following types of cookies on the website:

Technical cookies

These allow the user to browse the website, remember their passwords and use features such as the shopping basket.

Personalisation cookies

These allow us to know the user's preferences: language, products viewed.

Analytics cookies

We use Google Analytics cookies to measure the number of users who visit the website. These cookies allow us to measure and analyse how users browse the website. This information allows RICARDO RETUERTO CORREDURÍA DE SEGUROS, S.L. to continuously improve its services and the experience of website users. For more information, you can consult Google Analytics' privacy page.

Advertising and behavioural advertising cookies

These cookies are used to show users adverts relevant to how they use our website. They also limit how many times each user sees a given advert and help RICARDO RETUERTO CORREDURÍA DE SEGUROS, S.L. measure the effectiveness of its advertising campaigns. By browsing the website, the user agrees that we may install this type of cookie on their device and run queries when they visit the website in the future.

Cookies installed on our domain

This website, like most websites, includes features provided by third parties. Our website is a living site and new designs or third-party services may be added. This can occasionally change the cookie set-up and result in cookies appearing that are not listed in detail in this policy.

Embedded Scribd content

The «Te informa» newsletters and the rest of the blog's publications are displayed using the Scribd document viewer, embedded from the domains www.scribd.com and es.scribd.com. The viewer loads when the reader scrolls to it, with no action needed on your part.

When it loads, Scribd may install its own cookies and similar technologies in your browser, for the purposes of running the viewer, measuring usage and preventing fraud. These cookies are installed and controlled by Scribd, Inc., not by this website: neither their names nor their durations depend on us and they may change without notice, so they are not reproduced in the tables above.

Scribd, Inc. is a company based in the United States, so use of the viewer involves an international transfer of data as set out in section 8 of this policy. You can find out how Scribd handles cookies and personal data in its privacy policy, published at www.scribdinc.com/privacy-policy.

If you'd rather not load the viewer, each publication includes a direct link below it to the document on Scribd, and you can prevent the installation of third-party cookies from your browser settings, as explained in section 5.

First-party cookies installed by third-party domains

Our site does not control the cookies used by these third parties. For more information about the cookies of social networks or other third-party websites, we recommend reviewing their own cookie policies.

4. Information and obtaining consent for installation

retuertoyasociados.com has put appropriate mechanisms in place to obtain user consent in relation to cookies that are not strictly necessary. This includes analytics or measurement cookies, which will not be installed unless the user gives express consent.

When you access our website, a notice appears giving full details about cookies and offering granular acceptance of them.

Users will not need to give their consent every time they visit the website. We will keep your consent and cookie preferences for a maximum period of 24 months. Before that period elapses, we will ask you to renew your consent regarding cookies.

5. How can I prevent cookies from being installed?

Users can configure their browser to accept or reject the cookies they receive, or to have the browser warn them when a server wants to save a cookie. If some technical cookies are disabled, correct operation of some website features cannot be guaranteed.

Users can prevent Google Analytics analytics and advertising cookies from being stored on their device through the opt-out systems provided by Google Analytics.

Through your browser's own settings

• Internet Explorer and Edge: Settings → Cookies and site permissions.
• Firefox: Settings → Privacy & Security → Cookies and Site Data.
• Safari: Preferences → Privacy.
• Chrome: Settings → Privacy and security → Cookies and other site data.
• Opera: Settings → Privacy & security.

For more information, visit the website of the Spanish Data Protection Agency (Agencia Española de Protección de Datos), which helps with privacy settings on social networks, browsers and mobile operating systems.

Using third-party tools

There are third-party tools available online that let users detect the cookies on each website they visit and manage their deactivation, such as ghostery.com or youronlinechoices.com/es/.

In any case, users can allow or block cookies, and delete their browsing data (including cookies) from the browser they use. Please note that if you accept third-party cookies, you will need to delete them via your browser settings.

6. Links to other websites

If you choose to leave our website via links to other websites not belonging to our company, we will not be responsible for the privacy policies of such websites or for the cookies they may store on the user's computer.

7. How do we collect and use IP addresses?

The website's servers may automatically detect the IP address and domain name used by users.

An IP address is a number automatically assigned to a computer when it connects to the Internet. This information allows the subsequent processing of data in order to know whether consent has been given for the installation of cookies and to carry out purely statistical measurements that show the number of visits made to the website, the order of visits or the point of access.

8. International data transfer

Cookies installed on our domain are installed on our server, so the data they collect is not subject to international data transfers.

Third-party cookies installed on our website by third-party domains may be subject to international data transfers. For more information about any international data transfers these cookies may involve, we recommend clicking on the «more information» section of the cookie you wish to check.

You can find out about transfers to third countries (Article 49 GDPR) that the third parties identified in this cookie policy may, where applicable, carry out under their respective policies.

9. Updates to our cookie policy

This policy is reviewed periodically to keep it up to date, and it may therefore be amended. We recommend that you visit this page regularly, where we will inform you of any updates.