The Angel website use "cookies" to help you personalise your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalise Angel pages, or register with Angel, a cookie helps Angel Risk Management to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Angel website, the information you previously provided can be retrieved, so you can easily use the Angel features that you customised.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Angel website.

We may use the following types of cookie on the Angel website:

1. Session cookies: Session cookies allow this website to link the various actions of a user during a browser session, including which pages the user visited before visiting this one. Session cookies expire when the browser session ends.
2. Persistent cookies: Persistent cookies are stored on a user's device in between browser sessions, storing information about the preferences or actions of the user across a site (or possibly across different XL Group websites).
3. Google Analytics: Google Analytics is a popular web analytics service that uses cookies to count the number of people that visit angelriskmanagement.com and help analyze how they use it (e.g., we can determine which pages on our site are visited most frequently). The information generated by the cookies (including your IP address) is transmitted to and stored by Google on its servers. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. Google uses this information to evaluate the way visitors use our website, compiling reports to us on website activity and providing other services relating to website activity and internet usage. The information also helps us improve this website. Google may also transfer this information to third parties where required to do so by law or where such third parties process the information on Google's behalf. Google undertakes not to associate your IP address with any other data held by Google.

More information about the cookies we may use on our websites is set out in the table below.