This cookie policy describes how Luko by Allianz Direct (“Luko by Allianz Direct”) uses “cookies” and other similar technologies, that may be applied on luko.eu and, where relevant, on other Luko by Allianz Direct websites ("Site"), services ("Services") and mobile app ("App").

What is a cookie?

Cookies are small text files that a website transfers and stores in a computer's browser directory. They help site providers with things like understanding how people use a site, remembering a User’s login details, and storing site preferences (for example language preference).

There are different types of cookies, for example:

• First party cookies: these cookies are placed and read by Luko by Allianz Direct directly when you use our Sites, to guarantee an optimized experience, such as Intercom for chat purposes.
• Third party cookies: these cookies are not set by Luko by Allianz Direct, but by other companies, like Google, for site analytics purposes. See further details below on how to manage these cookies.
• Cookies which endure for different periods of time, including those that only last only as long as your browser is open . These are deleted automatically once you close your browser. Other cookies are 'permanent cookies', meaning that they survive after your browser is closed. For example, they recognize your device when you open your browser and browse the internet again.

Why Luko by Allianz Direct uses cookies?

Luko by Allianz Direct uses the information provided by cookies for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while using the Sites, Services and App, as well as to recognize your computer in order to assist your use of the Sites and Services. We also gather statistical information about use of the Sites in order to improve their design and functionality, understand how they are used and assist us with resolving questions regarding them.

What cookies do we use?

Below we list the different types of cookies and similar technologies that may be used on the Sites, Services and App. Where we use third party cookies, we provide a link to the third party's cookie policy.

To the extent any Personal Information (which is information that identifies you as an individual or relates to an identifiable individual) is collected through cookies, our Data Privacy Policy applies and supplements this Cookie Notice.

Necessary Cookies

Necessary cookies enable you to navigate the Sites and to use their services and features. Without these necessary cookies and similar technologies, the Sites will not perform as smoothly for you as we would like them to and we may not be able to provide the Sites or certain services or features.

Analytics Cookies

Analytics cookies help us understand how visitors interact with our Sites, Services and App. We use those cookies in a number of different ways, including:

• Site Features and Services. To remember how you prefer to use our Sites so that you don’t have to reconfigure your settings each time you log into your account.
• To Analyze and Improve Our Services. To make our Site and Services work better for You. Cookies help us understand how people reach our Sites and our Users’ sites. They give us insights into improvements or enhancements we need to make to our Site and Services.
• Pixel tags (also known as web beacons and clear GIFs). May be used in connection with some Services to, among other things, track the actions of Users (such as email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Services and response rates.
• Third Party Analytics. These cookies allow us to count the number of visits to our site, to identify sources of traffic or to understand what content our visitors like (for example, which pages or categories are most visited). We may also use these cookies to monitor the performance of our website and ensure that it is free of bugs!

If you disable these cookies, we will not be able to know when you visit our site or optimise its performance for you.

Targeting and Advertising Cookies

We and our service providers will use cookies and similar technologies on luko.eu to direct Luko by Allianz Direct ads to you through targeted advertisements for Luko by Allianz Direct Services on other sites you visit and to measure your engagement with those ads.