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From Marriage to Retirement: Insurance Considerations for Life Milestones


WHAT IS INSURANCE AND WHY IS IT IMPORTANT?





Insurance is a financial tool designed to protect individuals and businesses
from the potential financial losses associated with unforeseen events such as
accidents, illnesses, and natural disasters. It provides a safety net by
transferring the risk of these events to an insurance company in exchange for
regular premium payments. Insurance is important because it offers peace of
mind, helps individuals and businesses manage their financial risk, and provides
financial stability in times of need. By paying a relatively small amount in
premiums, individuals and businesses can protect themselves from potentially
devastating costs associated with medical expenses, property damage, legal
liabilities, and other unforeseen circumstances. Overall, insurance plays a
crucial role in helping people and businesses safeguard their assets and
finances, enabling them to navigate uncertain times with greater confidence and
security.



Overview of life events and stages



Qualifying life events that may allow for changes to health insurance coverage
outside of the regular open enrollment period include marriage, the birth or
adoption of a child, a change in residence that affects your current health
insurance plan, loss of other health coverage, such as losing a job or aging out
of a parent's plan, and becoming a U.S. citizen. These events can have a
significant impact on your health insurance coverage, as they may trigger the
need for additional coverage for a spouse or child, or address changes due to a
loss of coverage or change in citizenship status.



If you experience a qualifying life event, you typically have 60 days from the
event to make changes to your health insurance coverage. This may include
enrolling in a new plan, adding a dependent to your current plan, or making
adjustments to your coverage that align with the life event. To make changes,
you would need to provide verification of the qualifying life event and complete
the necessary paperwork or online forms through your health insurance provider
or the Health Insurance Marketplace. It's important to act promptly to ensure
that you are properly covered during these life transitions.





MARRIAGE





Marriage is a sacred and cherished institution that has been a cornerstone of
society for centuries. It is a lifelong commitment between two individuals,
symbolizing love, trust, and mutual support. Whether it is a traditional wedding
or a modern civil ceremony, the union of two people in marriage brings together
families, cultures, and traditions. In this section, we will explore various
aspects of marriage, from the history and cultural significance of weddings to
the legal and emotional implications of marriage. We will also delve into the
evolving perspectives on marriage in today's society, including issues such as
same-sex marriage, divorce, and the changing dynamics of relationships. Whether
you are preparing for marriage, have questions about the institution, or simply
want to understand its significance, this section will provide valuable insights
and information about the timeless commitment of marriage.



What to consider when purchasing life insurance policy



When purchasing a life insurance policy, it is important to consider several key
factors. First, identify the purpose of the policy - whether it is to provide
financial security for your family, cover specific debts or expenses, or to
serve as an investment vehicle. Consider the potential investment returns of the
policy and the options available for customization, such as riders for
additional coverage or cash value accumulation.



There are different types of life insurance available to meet various needs and
budgets. Temporary solutions, such as term life insurance, provide coverage for
a specific period and are more affordable. Long-term solutions, such as whole
life insurance, offer coverage for the duration of your life and can serve as an
investment with cash value accumulation. Permanent solutions, like universal
life insurance, provide flexibility with premium payments and coverage amounts.



Each type of life insurance meets different needs and budgets, so it is
important to assess your financial situation and long-term goals to determine
the most suitable option for you. By considering these factors, you can make an
informed decision when purchasing a life insurance policy.



Financial strength of the provider



The financial strength of the provider can be analyzed by looking at their
current assets, liabilities, and overall financial health. By examining their
recent financial reports, it is evident that the provider has a strong financial
health. Their current assets exceed their liabilities, indicating sound
financial stability. Additionally, their revenue and profits have shown
consistent growth over the past few years, demonstrating their ability to
generate income and operate successfully. The provider's debt levels are also
manageable, with a healthy balance between debt and equity. This suggests that
they are not over-leveraged and have the capacity to meet their debt
obligations. Overall, the provider's financial strength is commendable, with a
strong balance sheet and sustainable profitability. This indicates that they are
well-equipped to weather economic downturns and remain a stable and reliable
partner for their stakeholders.



Benefits of life insurance for married couples



Life insurance offers significant benefits for married couples, providing
much-needed financial security for their dependents in the event of the
policyholder's passing. It can cover final expenses and debts, as well as
provide income replacement for the surviving spouse and children. Life insurance
payouts are tax-free, helping to cover living expenses for the surviving family
members and ensuring that they can maintain their standard of living.
Additionally, life insurance can supplement retirement savings, providing an
extra layer of financial protection for the future.



There are various types of life insurance policies that can benefit married
couples, including whole life, universal life, and variable life insurance.
Whole life insurance offers a guaranteed death benefit and cash value
accumulation, while universal life insurance provides flexible premiums and the
potential for higher cash value growth. Variable life insurance allows for
investment in sub-accounts, offering the potential for high returns but also
higher risk. Each of these policies can play a crucial role in providing
financial peace of mind for married couples.



Types of policies available



There are several types of insurance policies available, including temporary and
permanent life insurance. Temporary life insurance, also known as term life
insurance, provides coverage for a specific period of time, such as 10 or 20
years. Permanent life insurance, on the other hand, provides coverage for the
insured's entire lifetime and includes options such as whole life and universal
life insurance.



In terms of Medicare plans, there are four categories: Part A, Part B, Part C
(Medicare Advantage), and Part D. Part A covers hospital insurance, including
inpatient care, skilled nursing facility care, hospice care, and some home
health care. Part B covers medical insurance, including doctor visits,
outpatient care, medical supplies, and preventive services. Medicare Part C,
also known as Medicare Advantage, is a combination of Part A, Part B, and
sometimes Part D, offered by private insurance companies. Part D provides
prescription drug coverage.



Each type of insurance policy provides specific coverage for different aspects
of healthcare and financial security. It's important to carefully consider the
options and choose the right policy based on individual needs and circumstances.



Designation form for dependent children



To designate dependent children for coverage under the Federal Employees Group
Life Insurance (FEGLI) Program, I am listing the following children:



1. Jane Doe - 10/15/2010 - Coverage Amount: $20,000



2. John Doe - 05/20/2015 - Coverage Amount: $15,000



3. Sarah Doe - 09/25/2018 - Coverage Amount: $10,000



Additionally, I have a disabled dependent child, Michael Doe, born on
03/12/2007, for whom coverage will continue.



I am submitting this designation form to ensure that my dependent children are
properly covered under the FEGLI Program. Thank you for your attention to this
matter.



Marital agreement and divorce decree considerations



When creating a marital agreement or divorce decree, it's essential to address
specific financial and legal considerations, particularly in regards to changes
in benefits, medical insurance coverage, and life insurance beneficiaries. This
includes addressing the division of assets, allocation of debts, and spousal
support or alimony. It is important to specify how retirement accounts,
pensions, and other benefits will be divided. Additionally, the impact on health
insurance coverage, including the continuation of coverage after a divorce,
should be addressed.



The marital agreement or divorce decree should also consider the implications on
Social Security benefits, including eligibility for spousal benefits. Estate
planning issues, such as changes to wills and trusts, and considerations for
guardianship of children, should also be outlined. In the case of life insurance
beneficiaries, it is crucial to update policies to reflect the changes in
marital status and consider any obligations for providing financial support to
children or former spouses.



Taking into account these financial and legal considerations in a marital
agreement or divorce decree can help ensure a fair and comprehensive resolution
for both parties involved.





HAVING CHILDREN





Becoming a parent is a significant milestone in life, and one that comes with
its own set of complexities and challenges. From the decision to start a family
to the process of pregnancy and childbirth, having children is a deeply personal
and life-changing experience. This section explores the various aspects of
parenthood, including the considerations before deciding to have children, the
physical and emotional aspects of pregnancy, the challenges of balancing work
and family life, and the joys and struggles of raising children. Whether you are
considering starting a family, expecting a child, or navigating the ups and
downs of parenthood, the following information will provide insights and
guidance to help you on your journey of having children.



Life insurance needs for parents with dependents



Life insurance is an essential consideration for parents with dependents, as it
provides financial security in the event of the policyholder's death. When
considering life insurance, parents should ensure that their coverage not only
provides for their dependents, but also offers coverage options for dependent
children. These options can include purchasing separate policies for each child
or adding a rider to the parent's policy to cover the children.



Life insurance coverage for dependent children typically ends when they reach a
certain age, often between 18 and 25, depending on the policy. However, some
policies may offer the option to convert the child's coverage into a permanent
policy once they reach a certain age. The potential benefits of life insurance
for parents with dependents are numerous, including providing financial support
for the family in the event of the parent's death, covering funeral expenses,
paying off debts, and ensuring the children's education and childcare needs are
met.



In conclusion, life insurance is an important tool for providing security to
family members in the event of the policyholder's death. Parents should
carefully consider their coverage options to ensure that their dependents are
taken care of in the unfortunate event of their passing.



Factors to consider when purchasing a policy for a family member or dependent
child



When purchasing a policy for a dependent child, it is essential to consider
various factors to ensure adequate coverage. Coverage options for dependent
children typically include eligibility up to a certain age, usually up to 26
years old, as long as they are not financially independent and are full-time
students. When determining the appropriate coverage amount, factors such as the
child's age, marital status, and educational status should be taken into
account. For example, an unmarried college student may require coverage for
tuition, while a married, working adult may need coverage for their own family.
Additional benefits for dependent children may include extended coverage for
disabled children who are unable to support themselves, ensuring continued
protection and care. Overall, considering the specific needs and circumstances
of the dependent child is crucial when selecting suitable coverage options,
eligibility criteria, and additional benefits.





RETIREMENT AGE





As we approach our golden years, one important consideration is the retirement
age. This pivotal milestone not only marks the end of our working years but also
plays a crucial role in financial planning, social security benefits, and
overall well-being. Understanding the implications and options for retirement
age is essential for making informed decisions and preparing for a comfortable
and secure future. Whether it's navigating the challenges of a traditional
retirement age or considering early retirement, knowing the facts and factors
involved can help individuals make the best choices for their individual
circumstances.



Life insurance types available during retirement age



Life insurance options available during retirement age include term life
insurance, whole life insurance, and universal life insurance. Coverage amounts
and eligibility requirements vary depending on the insurer and the individual's
health and financial status. Term life insurance provides coverage for a
specific period, while whole life insurance and universal life insurance offer
lifelong coverage. Some insurers may have age restrictions or limitations on
coverage amounts for individuals applying for life insurance during retirement
age.



For retirees, the Optional Group Life Insurance Program may offer the ability to
continue a portion of coverage from their previous employer-sponsored group life
insurance plan. This program may also provide options for coverage for spouse
and dependent children. However, coverage may be subject to reduction at certain
ages, and eligibility requirements may differ from the initial group life
insurance plan. It is important for retirees to carefully review the features
and limitations of the Optional Group Life Insurance Program before making any
decisions regarding life insurance coverage during retirement age.



Financial situation considerations when deciding on coverage



When deciding on coverage for your spouse, it's important to consider various
financial factors such as Social Security, estate planning, and health
insurance. These factors can impact your financial situation in different ways.
For example, understanding how Social Security benefits for a spouse may be
affected by your decision can have a significant impact on retirement planning.
Additionally, estate planning considerations may include how coverage for your
spouse could impact inheritance and tax implications. Health insurance coverage
for your spouse can also affect your overall financial well-being, particularly
if they have medical needs or if you're considering adding them to your
employer-sponsored plan.



Before making a decision, familiarize yourself with the rules and regulations
related to Social Security benefits for spouses, the implications of estate
planning decisions on your overall financial plan, and the potential costs and
benefits of adding your spouse to your health insurance coverage. Being fully
informed about these financial considerations can help you make the best
decision for your unique situation.


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Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


ACTIVE AGENT (VIRTUAL MINDS GMBH)

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


TABOOLA EUROPE LIMITED

Cookie duration: 366 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


EQUATIV

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, IP addresses, Device characteristics, Precise
location data, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


ADFORM A/S

Cookie duration: 1 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more




View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


MAGNITE, INC.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Browsing and interaction data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


RATEGAIN ADARA INC

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more




View details | Storage details | Privacy policylaunch
Consent


SIFT MEDIA, INC

Doesn't use cookies.

Data collected and processed: Device identifiers, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more




View details | Privacy policylaunch
Consent


RAKUTEN MARKETING LLC

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


LUMEN RESEARCH LIMITED

Doesn't use cookies.

Data collected and processed: Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more




View details | Privacy policylaunch
Legitimate interesthelp_outline


AMAZON AD SERVER

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data, IP
addresses, Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


OPENX

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


YIELDLAB (VIRTUAL MINDS GMBH)

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, User-provided data, IP addresses,
Device characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


ROKU ADVERTISING SERVICES

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


SIMPLIFI HOLDINGS INC

Cookie duration: 366 (days).

Data collected and processed: Device identifiers, IP addresses, Precise location
data

more

Uses other forms of storage.


View details | Privacy policylaunch
Consent


PUBMATIC, INC

Cookie duration: 90 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


COMSCORE B.V.

Cookie duration: 720 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Browsing and
interaction data, User-provided data, IP addresses, Device characteristics

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


FLASHTALKING

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, IP addresses, Device characteristics, Non-precise
location data

more




View details | Privacy policylaunch
Consent


PULSEPOINT, INC.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, IP addresses, Device
characteristics

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


SMAATO, INC.

Cookie duration: 21 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


SEMASIO GMBH

Cookie duration: 366 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


CRIMTAN HOLDINGS LIMITED

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


GENIUS SPORTS UK LIMITED

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, IP addresses, Device characteristics, Non-precise
location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


CRITEO SA

Cookie duration: 390 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, IP addresses, Device characteristics, Non-precise
location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


ADLOOX SA

Doesn't use cookies.

Data collected and processed: Device identifiers, Probabilistic identifiers,
Browsing and interaction data, IP addresses, Device characteristics, Non-precise
location data

more

Uses other forms of storage.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


BLIS GLOBAL LIMITED

Cookie duration: 400 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


LOTAME SOLUTIONS, INC

Cookie duration: 274 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


LIVERAMP

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


GROUPM UK LIMITED

Cookie duration: 395 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Browsing and
interaction data, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


LOOPME LIMITED

Cookie duration: 90 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


DYNATA LLC

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


ASK LOCALA

Doesn't use cookies.

Data collected and processed: Device identifiers, Privacy choices, IP addresses,
Device characteristics, Precise location data, Non-precise location data

more

Uses other forms of storage.


View details | Privacy policylaunch
Consent


NEAR INTELLIGENCE

Doesn't use cookies.

Data collected and processed: Device identifiers, Browsing and interaction data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Uses other forms of storage.


View details | Privacy policylaunch
Consent


DOUBLEVERIFY INC.

Doesn't use cookies.

Data collected and processed: Privacy choices, Probabilistic identifiers,
Browsing and interaction data, IP addresses, Device characteristics, Non-precise
location data

more




View details | Privacy policylaunch
Legitimate interesthelp_outline


BIDSWITCH GMBH

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Browsing and
interaction data, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


IPONWEB GMBH

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


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Consent


NEXTROLL, INC.

Cookie duration: 183 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, User-provided data, IP addresses,
Device characteristics, Non-precise location data

more

Cookie duration resets each session.


View details | Privacy policylaunch
Consent


TEADS FRANCE SAS

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


STRÖER SSP GMBH (SSP)

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


OS DATA SOLUTIONS GMBH &AMP; CO. KG

Cookie duration: 90 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


PERMODO GMBH

Doesn't use cookies.

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, IP addresses, Device characteristics,
Non-precise location data

more

Uses other forms of storage.


View details | Privacy policylaunch
Consent


PLATFORM161 B.V.

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


ADACADO TECHNOLOGIES INC. (DBA ADACADO)

Cookie duration: 365 (days).

Data collected and processed: Privacy choices, Browsing and interaction data, IP
addresses, Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


BASIS GLOBAL TECHNOLOGIES, INC.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data, IP
addresses, Device characteristics, Precise location data, Non-precise location
data

more

Cookie duration resets each session.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


SMADEX, S.L.U.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


BOMBORA INC.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


EASYMEDIA GMBH

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


REMERGE GMBH

Doesn't use cookies.

Data collected and processed: Device identifiers, Browsing and interaction data,
IP addresses, Device characteristics, Non-precise location data

more

Uses other forms of storage.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


ADVANCED STORE GMBH

Cookie duration: 365 (days).

Data collected and processed: Device identifiers

more

Cookie duration resets each session. Uses other forms of storage.


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ConsentLegitimate interesthelp_outline


MAGNITE CTV, INC.

Cookie duration: 366 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Browsing and interaction data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more




View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


DELTA PROJECTS AB

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more




View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


USEMAX ADVERTISEMENT (EMEGO GMBH)

Cookie duration: 365 (days).

Data collected and processed: Users’ profiles

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


EMETRIQ GMBH

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


PUBLICIS MEDIA GMBH

Cookie duration: 1825 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


M.D. PRIMIS TECHNOLOGIES LTD.

Cookie duration: 25 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Browsing and interaction data, User-provided data, IP addresses,
Device characteristics, Non-precise location data

more




View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


ONETAG LIMITED

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


CLOUD TECHNOLOGIES S.A.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data, IP
addresses, Device characteristics, Non-precise location data

more

Cookie duration resets each session.


View details | Privacy policylaunch
Consent


SMARTOLOGY LIMITED

Doesn't use cookies.

Data collected and processed: IP addresses

more

Uses other forms of storage.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


IMPROVE DIGITAL

Cookie duration: 90 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


ADOBE ADVERTISING CLOUD

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, IP addresses

more




View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


BANNERFLOW AB

Cookie duration: 366 (days).

Data collected and processed: IP addresses

more




View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


TABMO SAS

Doesn't use cookies.

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Uses other forms of storage.


View details | Privacy policylaunch
Consent


INTEGRAL AD SCIENCE (INCORPORATING ADMANTX)

Doesn't use cookies.

Data collected and processed: Privacy choices, Browsing and interaction data, IP
addresses, Device characteristics, Non-precise location data

more




View details | Privacy policylaunch
Legitimate interesthelp_outline


WIZALY

Cookie duration: 365 (days).

Data collected and processed: Authentication-derived identifiers, Privacy
choices, Browsing and interaction data, IP addresses, Device characteristics,
Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


WEBORAMA

Cookie duration: 393 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


JIVOX CORPORATION

Cookie duration: 30 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, IP addresses, Precise location data,
Non-precise location data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


MOBILE PROFESSIONALS BV / SAGE&#43;ARCHER BV

Doesn't use cookies.

Data collected and processed: Non-precise location data

more




View details | Privacy policylaunch
Consent


ON DEVICE RESEARCH LIMITED

Cookie duration: 30 (days).

Data collected and processed: Device identifiers, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more




View details | Storage details | Privacy policylaunch
Consent


ROCKABOX MEDIA LTD

Doesn't use cookies.

Data collected and processed: Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more




View details | Storage details | Privacy policylaunch
Legitimate interesthelp_outline


EXACTAG GMBH

Cookie duration: 180 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Browsing and interaction data, IP addresses,
Device characteristics

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


CELTRA INC.

Doesn't use cookies.

Data collected and processed: Device identifiers, IP addresses, Device
characteristics, Precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


MAINADV SRL

Cookie duration: 30 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, User-provided data, IP addresses, Device characteristics,
Non-precise location data

more

Uses other forms of storage.


View details | Privacy policylaunch
Consent


GEMIUS SA

Cookie duration: 1825 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, Device characteristics

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


THE KANTAR GROUP LIMITED

Cookie duration: 914 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


NIELSEN MEDIA RESEARCH LTD.

Cookie duration: 120 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


SOLOCAL SA

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, User-provided data, IP addresses,
Device characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


PIXALATE, INC.

Doesn't use cookies.

Data collected and processed: Device identifiers, Browsing and interaction data,
IP addresses, Device characteristics, Non-precise location data

more




View details | Storage details | Privacy policylaunch
Consent


ORACLE ADVERTISING

Cookie duration: 180 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, Device characteristics, Non-precise location data

more

Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


NUMBERLY

Cookie duration: 180 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
Consent


AUDIENCEPROJECT APS

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


DEMANDBASE, INC.

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


EFFILIATION / EFFINITY

Cookie duration: 2 (days).

Data collected and processed: Device characteristics

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


SEENTHIS AB

Doesn't use cookies.

Data collected and processed: IP addresses, Device characteristics

more




View details | Privacy policylaunch


COMMANDERS ACT

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, IP addresses

more




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Consent


TRAVEL AUDIENCE GMBH

Cookie duration: 397 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Probabilistic identifiers, Users’ profiles, Browsing and
interaction data, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
Consent


HUMAN

Doesn't use cookies.

Data collected and processed: Device identifiers, Probabilistic identifiers, IP
addresses, Device characteristics, Non-precise location data

more




View details | Privacy policylaunch
Legitimate interesthelp_outline


BLENDEE SRL

Cookie duration: 366 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Storage details | Privacy policylaunch
Consent


INNOVID LLC

Cookie duration: 90 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics, Non-precise location
data

more

Cookie duration resets each session.


View details | Storage details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


PAPIRFLY AS

Doesn't use cookies.

Data collected and processed: Device characteristics

more




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Legitimate interesthelp_outline


NEUSTAR, INC., A TRANSUNION COMPANY

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


View details | Privacy policylaunch
ConsentLegitimate interesthelp_outline


SALESFORCE.COM, INC.

Cookie duration: 180 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


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VERVE GROUP EUROPE GMBH

Doesn't use cookies.

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more

Uses other forms of storage.


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OTTO (GMBH &AMP; CO KG)

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, Browsing and interaction data, User-provided data, IP addresses

more

Cookie duration resets each session. Uses other forms of storage.


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ADOBE AUDIENCE MANAGER, ADOBE EXPERIENCE PLATFORM

Cookie duration: 180 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Probabilistic identifiers, Users’ profiles,
Browsing and interaction data, User-provided data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session.


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LOCALSENSOR B.V.

Doesn't use cookies.

Data collected and processed: Device identifiers, Privacy choices, IP addresses,
Device characteristics, Precise location data, Non-precise location data

more

Uses other forms of storage.


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ONLINE SOLUTION

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics, Precise location data, Non-precise
location data

more

Cookie duration resets each session. Uses other forms of storage.


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RELAY42 NETHERLANDS B.V.

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, User-provided data,
IP addresses, Device characteristics

more




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GP ONE GMBH

Cookie duration: Uses session cookies.

Data collected and processed: Privacy choices, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more

Uses other forms of storage.


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THE MEDIAGRID INC.

Cookie duration: 365 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Browsing and interaction data, IP addresses, Device
characteristics, Precise location data, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


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MINDTAKE RESEARCH GMBH

Cookie duration: 180 (days).

Data collected and processed: Device identifiers, Probabilistic identifiers,
Users’ profiles, Browsing and interaction data, IP addresses, Device
characteristics

more

Uses other forms of storage.


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CINT AB

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics

more




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GOOGLE ADVERTISING PRODUCTS

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more

Uses other forms of storage.


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GFK SE

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data,
User-provided data, IP addresses, Device characteristics, Non-precise location
data

more

Uses other forms of storage.


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REVJET

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Privacy choices, Users’
profiles, IP addresses, Non-precise location data

more

Cookie duration resets each session.


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PROTECTED MEDIA LTD

Doesn't use cookies.

Data collected and processed: Device identifiers, Probabilistic identifiers,
Browsing and interaction data, IP addresses, Device characteristics

more




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CLINCH LABS LTD

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Privacy choices, Probabilistic
identifiers, Users’ profiles, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Cookie duration resets each session.


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ORACLE DATA CLOUD - MOAT

Doesn't use cookies.

Data collected and processed: IP addresses, Non-precise location data

more




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HEARTS AND SCIENCE MÜNCHEN GMBH

Cookie duration: 60 (days).

Data collected and processed: IP addresses

more

Cookie duration resets each session.


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AMAZON ADVERTISING

Cookie duration: 396 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Users’ profiles, Browsing and interaction data, IP
addresses, Device characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


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MOLOCO, INC.

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, IP addresses, Device
characteristics, Non-precise location data

more

Cookie duration resets each session. Uses other forms of storage.


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ADTRIBA GMBH

Cookie duration: 730 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, Privacy choices, Browsing and interaction data, IP addresses,
Device characteristics, Non-precise location data

more

Cookie duration resets each session.


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OBJECTIVE PARTNERS BV

Cookie duration: 90 (days).

Data collected and processed: Device identifiers

more

Cookie duration resets each session.


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ENSIGHTEN

Cookie duration: 1825 (days).

Data collected and processed: Device identifiers, Privacy choices, Browsing and
interaction data, IP addresses, Device characteristics

more

Cookie duration resets each session.


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EBAY INC

Cookie duration: 90 (days).

Data collected and processed: Privacy choices, IP addresses, Device
characteristics

more




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HURRA COMMUNICATIONS GMBH

Cookie duration: 366 (days).

Data collected and processed: Device identifiers, Authentication-derived
identifiers, IP addresses, Device characteristics, Precise location data,
Non-precise location data

more

Cookie duration resets each session.


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GSKINNER

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AKAMAI

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FACEBOOK

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AUNICA

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BOOKING.COM

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C3 METRICS

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IBM

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EVIDON

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INTELLIAD

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DMA INSTITUTE

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ZMS

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IGNITION ONE

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OMNICOM MEDIA GROUP

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DIGISEG

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RESONATE

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SOJERN

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HAENSEL AMS

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BDSK HANDELS GMBH & CO. KG

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VIDEOLOGY

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TRADEDOUBLER AB

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TRUSTARC

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TRUEFFECT

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MARKETING SCIENCE CONSULTING GROUP, INC.

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DENTSU

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ESSENS

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TRAVEL DATA COLLECTIVE

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ADVOLUTION.CONTROL

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WIDESPACE

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LIFESTREET

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VIMEO

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BATCH MEDIA

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VODAFONE GMBH

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MAGNITE

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SCENESTEALER

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NETQUEST

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MANAGE.COM

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CLOUDFLARE

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HAVAS MEDIA FRANCE - DBI

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NETFLIX

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MACROMILL GROUP

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EBUILDERS

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APPLOVIN CORP.

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NANO INTERACTIVE

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FRACTIONAL MEDIA

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RACKSPACE

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LIFTOFF

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MSI-ACI

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ARRIVALIST

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NAVEGG

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ADMEDO

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KOCHAVA

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MOBITRANS

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ADEX

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IMPACT

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AARKI

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SFR

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CABLATO

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