Cookie notice - Singapore

Last updated: June 2023

References in this notice to “FM”, “we”, “us” or “our” are references to Factory Mutual Insurance Company and its subsidiaries and affiliates.

References in this notice to “you” or “your” are references to individuals who visit www.fm.com, www.fmapprovals.com  and associated sites or pages, including our mobile applications (collectively referred to as our “Website”).

We respect your privacy, and this cookie notice provides you with clear and comprehensive information about the cookies we use, the purposes for using them and how you can control what cookies we use when you visit our Website.

This notice should be read alongside our Privacy Policy which gives full details of how and why we use your personal information when you are using the Website and provides details about your legal rights in relation to your personal information and how to contact us if you have a complaint.

We do not control third-party websites and are not responsible for their privacy statements. When you leave our Website, we encourage you to read the privacy notice of every website you visit.

Our Website uses cookies, in combination with pixels, local storage objects, and similar devices (collectively, "cookies" unless otherwise noted) to distinguish you from other users of the Website.

You do not need to allow cookies to visit most of the Website. However, enabling cookies may allow for a more tailored browsing experience and is required for certain parts of the Website to work. In the majority of cases, a cookie does not provide us with any of your personal information.  

For further information about this Notice, please contact us at dataprotection@fmglobal.com.

WHAT IS A COOKIE?

A cookie is a small file of letters and numbers that we store on your device (e.g. computer, smartphone, electronic device which accesses the internet).

When you visit our Website, strictly necessary cookies will be placed on your device. You can change the cookie settings that will be placed when you visit our Website by changing the settings on your browser or by visiting our Cookie Preference Center.

KEY CONCEPTS

We use both first party and third-party cookies. First party cookies are set by the Website you are visiting. Third party cookies are set by a domain which is different to the Website you are visiting, an example of this is where cookies are placed on your device by AddThis.com when you share content from our Website on social media websites.

Cookies can be either session cookies or persistent cookies. Session cookies are cookies which are deleted when you close your internet browser. Persistent cookies stay in place after you have closed your browser, for example, a cookie which tracks whether you are a new or return visitor to the Website. Details on how long these cookies last for are set out below.

Where you have chosen to opt-in to Functional, Performance, and/or Targeting Cookies, it may be possible for third-party websites to track your browsing behavior when you leave our Website.

WHAT COOKIES DO WE USE AND WHY?

There are four types of cookies that we use: Strictly Necessary, Performance, Functional and Targeting Cookies. These cookies perform different functions as explained below.

'Strictly Necessary' - These cookies are essential for our 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 may not work.  These cookies do not store any personally identifiable information.

'Performance' - These cookies collect information about how you use our Website - e.g. which pages you visit and if you experience any errors. These cookies do not collect any information that could identify you and are only used to help us improve how our Website works, understand what interests our users and measure how effective our content is.

Performance cookies are only used if you consent to it in our Cookie Preference Center

‘Functional’ - These cookies enable us to provide you with enhanced functionality and personalization. Services and functionalities implemented by these cookies support features like an automatically filled text box, non-necessary forms, and optional security parameters like a single sign-on (SSO).  These cookies may be set by third party providers whose services we have added to our pages.

If you do not consent to the use of these functional cookies, then some of these services may not function properly.

‘Targeting’ – These cookies are used to provide you with access to content and information that you may be interested in. For example, we share information on social media sites. When you click that social media message, campaign management platforms may track your visit to our Website via a Floodlight tag so that we may present you with similar or complimentary information.

Targeting cookies are only used if you consent to it in our Cookie Preference Center.

Some cookies may fulfil more than one of these purposes.

CHANGING YOUR COOKIE SETTINGS

You can change your cookie settings in our Cookie Preference Center by clicking on the Cookie Settings button at the bottom of this notice.

You can also control acceptance of cookies by modifying your Internet browser preferences. You have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to block all cookies (including essential cookies) you may not be able to access all or part of our Website and may be unable to use those services or engage in activities that require the placement of cookies. 

CAN I WITHDRAW MY CONSENT?

If you wish to withdraw your consent at any time, you will need to delete your cookies using your internet browser settings or clicking on the Cookie Preference Settings button at the bottom of this notice to change your settings.

YOUR CONSENT

Strictly necessary cookies do not require your consent and will always be active on your device.

For performance, functional and targeting cookies, we request your consent before placing them on your device. You can give your consent by clicking on the appropriate button on the banner displayed to you, or by going to our Cookie Preference Center or by clicking the Cookie Settings button below. If you do not wish to give consent or wish to withdraw your consent to any performance, functional or targeting cookies at any time, you will need to delete, and block or disable cookies via your browser settings or by changing your settings in the Cookie Preference Center. Please note that disabling these cookies will affect the functionality of the Website and may prevent you from being able to access certain features on the Website.