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YES, WE DO THAT.

Gallagher is here to help you face any risk, anywhere in the world. Find out how
in our new video with Chairman, President and CEO, Pat Gallagher. 


BUSINESS INSURANCE MARKET CONDITIONS AND RISK DYNAMICS H2 2023

This report provides an update on current insurance market conditions and the
primary risks your business may encounter.

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AUSTRALIA’S MOST COMPREHENSIVE SURVEY INTO WORKPLACE WELLBEING

Our 2023 Workforce Trends Report examines the impact of employee wellbeing on
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in this challenging market.

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TAKE ACTION TO AVOID UNDERINSURANCE NOW

Record inflation has sent asset values soaring and insurance levels are not
keeping pace. This means the insurance coverage you had last year may not be
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A HISTORY OF INTEGRITY

Since 1927, Gallagher has led with integrity, ethics and purpose — the building
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OVER 9.9 BILLION USD IN REVENUES*

We're a global leader in business insurance. Bringing both economies of scale
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*Revenue is total adjusted brokerage and risk management revenue.



CLIENT SERVICE IN OVER 130 COUNTRIES

In a world of opportunities we're at your side. With a network of more than 960
offices across the globe. Because there's no substitute for local expertise.

MORE THAN 30 OFFICES ACROSS AUSTRALIA

From coast to coast, we’re part of the fabric of life throughout the country.
Ready to do business, where you do business.

RELATED NEWS & INSIGHTS

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Not for Profit and Care 18 April 2024 Articles


TRUSTED INSURANCE SUPPORT FOR ALL DISABILITY SERVICE PROVIDERS


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Stores session data during a website visit, issued by Microsoft's ASP.NET
Application, a framework for building websites.
 * Microsoft Corporation - Privacy Policy (Microsoft Corporation)

Stores session data during a website visit, issued by Microsoft's ASP.NET
Application, a framework for building websites.
 * Microsoft Corporation - Privacy Policy (Microsoft Corporation)

Cookie__RequestVerificationTokenExpirySessionDomainwww.ajg.comCompanyASP.NET,
Microsoft CorporationPurposeYour visit
A feature of the ASP.NET platform to help prevent Cross-Site Request Forgery
(CSRF) attacks.
 * Microsoft Corporation - Privacy Policy (Microsoft Corporation)

A feature of the ASP.NET platform to help prevent Cross-Site Request Forgery
(CSRF) attacks.
 * Microsoft Corporation - Privacy Policy (Microsoft Corporation)

CookieJSESSIONID (x 2)ExpirySessionDomainwww.linkedin.comCompanyEIS, Microsoft
CorporationPurposeYour visit
Stores session data during a website visit, issued by Jetty Web Server.
 * Microsoft Corporation - Privacy Policy (Microsoft Corporation)

Stores session data during a website visit, issued by Jetty Web Server.
 * Microsoft Corporation - Privacy Policy (Microsoft Corporation)

Cookieincap_ses_* (x 3)ExpirySessionDomainajg.com.auCompanyIncapsula, Inc.,
Imperva, Inc.PurposeYour visit
Incapsula DDoS Protection and Web Application Firewall: cookie for linking HTTP
requests to a certain session (AKA visit). Re-opening the browser and accessing
the same site are registered as different visits. In order to maintain existing
sessions (ie, session cookie)
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Incapsula DDoS Protection and Web Application Firewall: cookie for linking HTTP
requests to a certain session (AKA visit). Re-opening the browser and accessing
the same site are registered as different visits. In order to maintain existing
sessions (ie, session cookie)
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Cookienlbi_1824001ExpirySessionDomainajg.comCompanyIncapsula, Inc., Imperva,
Inc.PurposeYour visit
Incapsula DDoS Protection and Web Application Firewall: load-balancing cookie to
ensure that requests by a client are sent to the same origin server.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Incapsula DDoS Protection and Web Application Firewall: load-balancing cookie to
ensure that requests by a client are sent to the same origin server.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Cookienlbi_<digits>+ExpirySessionDomainajg.com.auCompanyIncapsula, Inc.,
Imperva, Inc.PurposeYour visit
Incapsula DDoS Protection and Web Application Firewall: load-balancing cookie to
ensure that requests by a client are sent to the same origin server.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Incapsula DDoS Protection and Web Application Firewall: load-balancing cookie to
ensure that requests by a client are sent to the same origin server.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Cookievisid_incap_1824001Expiry2 yearsDomainajg.comCompanyIncapsula, Inc.,
Imperva, Inc.PurposeYour visit
Incapsula DDoS Protection and Web Application Firewall: cookie for linking
certain sessions to a specific visitor (visitor representing a specific
computer). In order to identify clients that have already visited Incapsula. The
only cookie that is persistent for the duration of 12 months.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Incapsula DDoS Protection and Web Application Firewall: cookie for linking
certain sessions to a specific visitor (visitor representing a specific
computer). In order to identify clients that have already visited Incapsula. The
only cookie that is persistent for the duration of 12 months.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Cookievisid_incap_* (x 2)Expiry2 yearsDomainajg.com.auCompanyIncapsula, Inc.,
Imperva, Inc.PurposeYour visit
Incapsula DDoS Protection and Web Application Firewall: cookie for linking
certain sessions to a specific visitor (visitor representing a specific
computer). In order to identify clients that have already visited Incapsula. The
only cookie that is persistent for the duration of 12 months.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Incapsula DDoS Protection and Web Application Firewall: cookie for linking
certain sessions to a specific visitor (visitor representing a specific
computer). In order to identify clients that have already visited Incapsula. The
only cookie that is persistent for the duration of 12 months.
 * Imperva, Inc. - Privacy Policy (Imperva, Inc.)

Cookie_GRECAPTCHAExpiry1 yearDomainwww.google.comCompanyreCAPTCHA, Google
LLCPurposeAuthorisation
Part of the reCAPTCHA verification system.
Part of the reCAPTCHA verification system.


Site experience
Consent for: Site experience


These cookies are used to support your experience on the site and include
user-selected options, site navigation aids, etc. Generally, no personally
identifiable data is collected with these types of cookies.

Detailed description of cookies categorised as: .
CookieExpiryDomainCompanyPurposeCookie__lc_cid (x 2)Expiry3
yearsDomainaccounts.livechatinc.comCompanyLiveChat, Inc.PurposeUser preferences
A functional cookie used by our accounts service. The purpose of this cookie is
to verify the identity of a customer created in LiveChat.
 * LiveChat, Inc. - Privacy Policy (LiveChat, Inc.)

A functional cookie used by our accounts service. The purpose of this cookie is
to verify the identity of a customer created in LiveChat.
 * LiveChat, Inc. - Privacy Policy (LiveChat, Inc.)

Cookie__lc_cst (x 2)Expiry3 yearsDomainaccounts.livechatinc.comCompanyLiveChat,
Inc.PurposeUser preferences
A functional cookie used by our accounts service. The purpose of this cookie is
to verify the customer's token.
 * LiveChat, Inc. - Privacy Policy (LiveChat, Inc.)

A functional cookie used by our accounts service. The purpose of this cookie is
to verify the customer's token.
 * LiveChat, Inc. - Privacy Policy (LiveChat, Inc.)

Cookie__oauth_redirect_detectorExpiry1
minuteDomainaccounts.livechatinc.comCompanyLiveChat, Inc.PurposeUser preferences
Used by LiveChat, Inc. solely with the purpose of personalizing a particular
user.
 * LiveChat, Inc. - Privacy Policy (LiveChat, Inc.)

Used by LiveChat, Inc. solely with the purpose of personalizing a particular
user.
 * LiveChat, Inc. - Privacy Policy (LiveChat, Inc.)


Performance & operation
Consent for: Performance & operation


These cookies are used in the management of the site and include customer
surveys, recording visitor numbers and other web analytics. Limited identifiable
data may be collected.

Detailed description of cookies categorised as: .
CookieExpiryDomainCompanyPurposeCookieigodigitalstdomainExpiry1
hoursDomainigodigital.comCompanyPurposeAnalytics
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.Cookieigodigitalst_110006092Expiry1
hourDomainigodigital.comCompanyPurposeAnalytics
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.Cookieigodigitalst_110006093Expiry1
hoursDomainigodigital.comCompanyPurposeAnalytics
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.Cookieigodigitalst_110006116Expiry1
hoursDomainigodigital.comCompanyPurposeAnalytics
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.Cookieigodigitalst_110006367Expiry1
hoursDomainigodigital.comCompanyPurposeAnalytics
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.Cookieigodigitaltc2Expiry10
yearsDomainigodigital.comCompanyPurposeAnalytics
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.
Tracking / Profiling. Salesforce Marketing Cloud external tracking and profiling
of user interactions.CookieAUIDExpiry1 yearsDomaintrinitymedia.aiCompanyGoogle
IncPurposeAnalytics
This cookie stores data content and additional data such as Cart_Id and a few
Advance Search preferences for that session.
This cookie stores data content and additional data such as Cart_Id and a few
Advance Search preferences for that session.CookieguestExpiry23
monthsDomainjotfor.msCompanyJotformPurposePerformance / Networking
Registers data on visitors' website-behaviour. This is used for internal
analysis and website optimization.
Registers data on visitors' website-behaviour. This is used for internal
analysis and website optimization.CookieuserRefererExpiry23
monthsDomainjotfor.msCompanyJotformPurposeAnalytics
Determines how the user accessed the website. This information is used by the
website operator in order to measure the efficiency of their marketing.
Determines how the user accessed the website. This information is used by the
website operator in order to measure the efficiency of their
marketing.Cookiemf_*ExpirySessionDomainajg.comCompanyMouseflow
ApSPurposeAnalytics
Measure website traffic via anonymous statistics. Among other things, which
links users click on and where they most often move the mouse, so that we can
optimize the user experience on our website.
 * Mouseflow ApS - Privacy Policy (Mouseflow ApS)

Measure website traffic via anonymous statistics. Among other things, which
links users click on and where they most often move the mouse, so that we can
optimize the user experience on our website.
 * Mouseflow ApS - Privacy Policy (Mouseflow ApS)

Cookiemf_userExpiry90 daysDomainajg.comCompanyMouseflow ApSPurposeAnalytics
Measure website traffic via anonymous statistics. Among other things, which
links users click on and where they most often move the mouse, so that we can
optimize the user experience on our website.
 * Mouseflow ApS - Privacy Policy (Mouseflow ApS)

Measure website traffic via anonymous statistics. Among other things, which
links users click on and where they most often move the mouse, so that we can
optimize the user experience on our website.
 * Mouseflow ApS - Privacy Policy (Mouseflow ApS)

Cookieoktolead-00112euj93qpdfc-StateExpiry1
daysDomainokt.toCompanyOktopostPurposePerformance / Networking
Stores the Company name a user has entered on a web-form.
Stores the Company name a user has entered on a
web-form.Cookieoktolead-00112euj93qpdfc-UrlExpiry1
daysDomainokt.toCompanyOktopostPurposePerformance / Networking
Stores the Company name a user has entered on a web-form.
Stores the Company name a user has entered on a
web-form.CookieTRINITY_USER_DATAExpiry1 yearsDomainwww.ajg.comCompanyTrinity
AudioPurposeAnalytics
Used by the Trinity Audio embed feature. Maintains information on the user audio
preferences and listening history.
Used by the Trinity Audio embed feature. Maintains information on the user audio
preferences and listening history.CookieTRINITY_USER_IDExpiry1
yearsDomainwww.ajg.comCompanyTrinity AudioPurposeAnalytics
Used by the Trinity Audio embed feature. Maintains reference for a unique Id to
use for linking up User Data preferences.
Used by the Trinity Audio embed feature. Maintains reference for a unique Id to
use for linking up User Data preferences.Cookie_gaExpiry2
yearsDomainajg.comCompanyGoogle Analytics, Google LLCPurposeAnalytics
A unique identifier given to each browser to track user interactions with the
website.
 * Google LLC - Privacy Policy (Google LLC)

A unique identifier given to each browser to track user interactions with the
website.
 * Google LLC - Privacy Policy (Google LLC)

Cookie_ga_* (x 26)Expiry2 yearsDomainajg.comCompanyGoogle Analytics, Google
LLCPurposeAnalytics
A unique identifier given to each browser to track user interactions with the
website.
 * Google LLC - Privacy Policy (Google LLC)

A unique identifier given to each browser to track user interactions with the
website.
 * Google LLC - Privacy Policy (Google LLC)

Cookie_gidExpiry1 dayDomainajg.comCompanyGoogle Analytics, Google
LLCPurposeAnalytics
A unique identifier given to each browser to track user interactions with the
website.
 * Google LLC - Privacy Policy (Google LLC)

A unique identifier given to each browser to track user interactions with the
website.
 * Google LLC - Privacy Policy (Google LLC)

Cookie___utmvcExpiry2 yearsDomainwww.ajg.comCompanyGoogle Analytics, Google
LLCPurposeAnalytics
Provides custom tracking to augment the standard tracking capabilities of Google
Analytics.
 * Google LLC - Privacy Policy (Google LLC)

Provides custom tracking to augment the standard tracking capabilities of Google
Analytics.
 * Google LLC - Privacy Policy (Google LLC)


Marketing, personalisation and advertising
Consent for: Marketing, personalisation and advertising


These cookies are used to track our visitors across our websites. They can be
used to build up a profile of search and/or browsing history for every visitor.
Identifiable or unique data may be collected. Anonymized data may be shared with
third parties.

Detailed description of cookies categorised as: Marketing, personalisation and
advertising. CookieExpiryDomainCompanyPurposeCookie_hjDonePollsExpiry1
yearDomainajg.comCompanyHotjar Ltd.PurposeSurvey
This cookie is set once a visitor completes a poll using the Feedback Poll
widget. It is used to ensure that the same poll does not re-appear if it has
already been filled in.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

This cookie is set once a visitor completes a poll using the Feedback Poll
widget. It is used to ensure that the same poll does not re-appear if it has
already been filled in.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

Cookie_hjSessionUser_<digits>+ (x 4)Expiry1 yearDomainajg.comCompanyHotjar
Ltd.PurposeSurvey
Hotjar cookie that is set when a user first lands on a page with the Hotjar
script. It is used to persist the Hotjar User ID, unique to that site on the
browser. This ensures that behavior in subsequent visits to the same site will
be attributed to the same user ID.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

Hotjar cookie that is set when a user first lands on a page with the Hotjar
script. It is used to persist the Hotjar User ID, unique to that site on the
browser. This ensures that behavior in subsequent visits to the same site will
be attributed to the same user ID.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

Cookie_hjSession_<digits>+ (x 4)Expiry30 minutesDomainajg.comCompanyHotjar
Ltd.PurposeSurvey
A cookie that holds the current session data. This ensues that subsequent
requests within the session window will be attributed to the same Hotjar
session.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

A cookie that holds the current session data. This ensues that subsequent
requests within the session window will be attributed to the same Hotjar
session.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

Cookie_hjTLDTestExpirySessionDomainajg.comCompanyHotjar Ltd.PurposeSurvey
This cookie is set by a HotJar Survey to assist sharing across subdomains.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

This cookie is set by a HotJar Survey to assist sharing across subdomains.
 * Hotjar Ltd. - Privacy Policy (Hotjar Ltd.)

CookieAnalyticsSyncHistoryExpiry30 daysDomainlinkedin.comCompanyLinkedIn
CorporationPurposeSocial networking
Used to store information about the time a sync with the lms_analytics cookie
took place for users in the Designated Countries
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Used to store information about the time a sync with the lms_analytics cookie
took place for users in the Designated Countries
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

CookiebscookieExpiry2 yearsDomainwww.linkedin.comCompanyLinkedIn
CorporationPurposeSocial networking
Used for saving the state of 2FA of a logged in user
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Used for saving the state of 2FA of a logged in user
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

CookielangExpirySessionDomainlinkedin.comCompanyLinkedIn
CorporationPurposeSocial networking
Used to remember a user's language setting
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Used to remember a user's language setting
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

CookielidcExpiry1 dayDomainlinkedin.comCompanyLinkedIn CorporationPurposeSocial
networking
Set by social networking platform LinkedIn Corporation when you load web pages
that include a panel inviting you to Follow us.
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Set by social networking platform LinkedIn Corporation when you load web pages
that include a panel inviting you to Follow us.
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Cookieli_gcExpiry2 yearsDomainlinkedin.comCompanyLinkedIn
CorporationPurposeSocial networking
Used to store consent of guests regarding the use of cookies for non-essential
purposes
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Used to store consent of guests regarding the use of cookies for non-essential
purposes
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Cookieli_sugrExpiry90 daysDomainlinkedin.comCompanyLinkedIn
CorporationPurposeSocial networking
Used to make a probabilistic match of a user's identity outside the Designated
Countries
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Used to make a probabilistic match of a user's identity outside the Designated
Countries
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

CookieUserMatchHistoryExpiry1 monthDomainlinkedin.comCompanyLinkedIn
CorporationPurposeSocial networking
LinkedIn Ads ID syncing
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

LinkedIn Ads ID syncing
 * LinkedIn Corporation - Privacy Policy (LinkedIn Corporation)

Cookiesa-user-id (x 3)Expiry1 yearDomaintags.srv.stackadapt.comCompanyStackAdapt
Inc.PurposeAdvertising
Programmatic advertising
 * StackAdapt Inc. - Privacy Policy (StackAdapt Inc.)

Programmatic advertising
 * StackAdapt Inc. - Privacy Policy (StackAdapt Inc.)

Cookiesa-user-id-v2 (x 3)Expiry1 yearDomainsrv.stackadapt.comCompanyStackAdapt
Inc.PurposeAdvertising
Programmatic advertising
 * StackAdapt Inc. - Privacy Policy (StackAdapt Inc.)

Programmatic advertising
 * StackAdapt Inc. - Privacy Policy (StackAdapt Inc.)

Cookiesa-user-id-v3 (x 3)Expiry1
yearDomaintags.srv.stackadapt.comCompanyStackAdapt Inc.PurposeAdvertising
Programmatic advertising
 * StackAdapt Inc. - Privacy Policy (StackAdapt Inc.)

Programmatic advertising
 * StackAdapt Inc. - Privacy Policy (StackAdapt Inc.)

Cookie_gcl_auExpiry3 monthsDomainajg.comCompanyAdSense, Google
LLCPurposeAdvertising
Google AdSense gather statistics on the use of their service to help inform
marketing decisions
 * Google LLC - Privacy Policy (Google LLC)

Google AdSense gather statistics on the use of their service to help inform
marketing decisions
 * Google LLC - Privacy Policy (Google LLC)

CookieIDEExpiry2 yearsDomaindoubleclick.netCompanyDoubleClick, Google
LLCPurposeAdvertising
Contains a unique code to determine which advertisements have been shown on a
device, on behalf of Google Inc. Advertising platform DoubleClick. Allows
monitoring of the effectiveness of the ads and make the ads more relevant to the
user.
 * Google LLC - Privacy Policy (Google LLC)

Contains a unique code to determine which advertisements have been shown on a
device, on behalf of Google Inc. Advertising platform DoubleClick. Allows
monitoring of the effectiveness of the ads and make the ads more relevant to the
user.
 * Google LLC - Privacy Policy (Google LLC)

Cookietest_cookieExpiry15 minutesDomaindoubleclick.netCompanyDoubleClick, Google
LLCPurposeAdvertising
Tests if the user's browser supports cookies, on behalf of Google Inc.
Advertising platform DoubleClick.
 * Google LLC - Privacy Policy (Google LLC)

Tests if the user's browser supports cookies, on behalf of Google Inc.
Advertising platform DoubleClick.
 * Google LLC - Privacy Policy (Google LLC)

Cookie_fbpExpiry90 daysDomainajg.comCompanyFacebook, Meta Platforms,
Inc.PurposeAdvertising
This cookie will help deliver our advertising to people who have already visited
our website when they are on Facebook or a digital platform powered by Facebook
Advertising.
 * Meta Platforms, Inc. - Privacy Policy (Meta Platforms, Inc.)

This cookie will help deliver our advertising to people who have already visited
our website when they are on Facebook or a digital platform powered by Facebook
Advertising.
 * Meta Platforms, Inc. - Privacy Policy (Meta Platforms, Inc.)


Read our cookie policy

Our website uses cookies to distinguish you from other users of our website.
This helps us to provide you with a good experience when you browse our website
and also allows us to improve our site.

This Cookie Notice sets out the details of the cookies we may use when you visit
our site and also provides information on how you can manage them. To make it
easier for you to understand the way our site uses cookies, we have grouped them
into easy to understand categories. The category to which each cookie belongs
can be seen below.

If you wish to change your cookies preferences please go to the “Cookie Consent”
section below and select the appropriate categories. You can update your consent
at any time by revisiting this Cookie Notice using the footer links on this
site.

Please take your time to read this Cookie Notice carefully. When using our
website, this Cookie Notice should be read alongside our Privacy Notice and the
document governing the use of our website.

We may need to make changes to this Cookie Notice periodically, for example, as
the result of government regulation, new technologies, or other developments in
privacy laws. You can see the most up to date Cookie Notice by checking our
website.

About us

This Cookie Notice describes how we use cookies on our websites. For further
information about us please read our Privacy Notice.

If you have any questions about our Cookie Notice, you may contact us using the
details set out in the "Contacting Us" section of our Privacy Notice.

------------------------------

What are cookies, how are they used and how are they managed?

Cookies are set when you visit a website that uses cookies and may be used to
keep track of pages visited within the site, help you continue where you left
off or remember your preferences, such as language settings.

Cookies are very important to help us make online services easier to use, to
monitor the use of our site and to help us improve the service to you.

To make it easier for you to understand the way a website uses cookies, we have
grouped them into easy to understand categories. The category to which a cookie
belongs can be seen in the Cookie Panel.

The information in the Cookie Panel is provided to you in an open and
transparent way, so that you can see how cookies are used to enrich your visitor
experience and make an informed choice to allow their usage. However, if you
wish to control and remove cookies, this can be done via settings in your web
browser.

Please be aware that restricting cookies may impact the functionality of a
website. Many of the interactive functions offered by websites are dependent on
cookies and disabling or blocking cookies can prevent these services from
working or reduce their usefulness.

Different web browsers may use different methods for managing cookies. Please
follow the instructions below, from the web browser manufacturers directly, to
configure your browser settings*.

 * Microsoft Edge
 * Google Chrome
 * Apple Safari
 * Mozilla Firefox

* These links are to third party sites, over which we have no control -- no
liability can be claimed if they are inaccurate.

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