This Cookie Notice explains how we use cookies and the choices you have. Except as otherwise stated in this notice, the relevant company’s privacy notice, which can be found on our https://hallmarkfinance.ng/privacy-notice/, will apply to our processing of the data that we collect via cookies including your rights regarding your personal data.

What are Cookies?

Cookies are small packets of information stored by your browser when you visit certain sites, including our site. Cookies are generally used by sites to improve your user experience by enabling that site to ‘remember’ you, either strictly for the duration of your visit (using a “Session” cookie which is erased when you close your browser) or for repeat visits (using a “Permanent” cookie). 

Please be advised that in some countries data such as cookie IDs and IP-/MAC- addresses are considered to be personal data. To the extent we process such data that is considered personal data, this will be done in accordance with our Privacy Notice.

Third Parties & Information Sharing

Our sites may include links to third party sites, plug-ins and applications. Using these facilities may allow third parties to collect or share data about you. Where you have opted-in to Functional Cookies, Performance Cookies and Targeting Cookies, it may be possible for third party sites to track your browsing behaviour when you leave our site. You are able to opt-out of these cookies at any time.  For more information on these cookies, you can access granular details relating to each of the cookies, the categories, descriptions, types (first or third party) and lifespans.

For help and advice on how to do this, please follow the instructions in the ‘How to reject cookies’ section below.

Our Site uses the following types of cookies:

Strictly Necessary Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personal data.

Functional Cookies

These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.

Performance Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Targeting Cookies

These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal data but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

How to reject Cookies

If you don’t want to receive cookies, you can update your settings in our cookie management portal here:

Cookies Settings

You can click on the Cookies Settings tab at the bottom page of our website to update your preferences. Alternatively, you can also alter your browser settings. The procedure for doing so varies from one browser application to another. If you wish to reject cookies from our site, but wish to accept those from other sites, you may choose the option in your browser settings to receive a notice before a cookie is stored on your device.

By disabling cookies, you may be prevented from accessing some features of our site or certain content or functionality may not be available.

Cookies List

Strictly Necessary Cookies

These cookies are essential for the operation of the website and cannot be disabled.

Cookie Name	Provider	Purpose	Duration
PHPSESSID	Consolidated Hallmark Insurance Plc	Maintains user session state across pages	Session
cookie_consent	Consolidated Hallmark Insurance Plc	Records the user’s cookie consent preferences	12 months
csrf_token	Consolidated Hallmark Insurance Plc	Protects the website against cross-site request forgery	Session

2. Functional Cookies

Cookie Name	Provider	Purpose	Duration
language	Consolidated Hallmark Insurance Plc	Stores the user’s preferred language	12 months
user_preferences	Consolidated Hallmark Insurance Plc	Remembers user interface and display preferences	12 months

3. Analytics / Performance Cookies

Cookie Name	Provider	Purpose	Duration
_ga	Google Analytics	Distinguishes users for statistical analysis	2 years
_gid	Google Analytics	Tracks user interactions and website usage	24 hours
_gat	Google Analytics	Limits data collection on high-traffic pages	1 minute

4. Advertising / Targeting Cookies

Cookie Name	Provider	Purpose	Duration
_fbp	Meta (Facebook)	Tracks visits for targeted advertising and analytics	3 months
ads/ga-audiences	Google	Re-engages users based on website interactions	Session

Users may accept or reject non-essential cookies at any time through the cookie banner or browser settings. Strictly necessary cookies are required for the website to function and do not require consent.