Calculator
Transparency and security

Cookie Policy

Learn how we collect, use and protect your personal data.

When you use our website, mobile phone applications and online services, we may store cookies on your browser. Other third-party websites that you decide to visit may do the same. This Cookie Policy explains what a cookie is, how you can manage your cookies and what types of cookies may be captured on our Sites.

Cookies are small units of data temporarily stored on the computer's hard drive by the browser, necessary to browse our website. They do not contain personal information about you and cannot be used to identify an individual user. A cookie generally includes a unique identifier, which is an anonymous number (randomly generated) stored on your device. Some expire at the end of your website session, others remain on your computer for longer. We use cookies to allow you to get more out of our website.

First-party cookies and third-party cookies:

Cookies can be first-party or third-party. A first-party cookie is one that you receive directly from the website. A third-party cookie is one that you received from another party, such as Google or Facebook. We do not control what third parties do on other websites. However, we may work with certain third-party providers, such as Google or Facebook, to allow their cookies to work through our Site, so that we can learn more about your experience on our Site and better personalize our services for you.

Persistent cookies and session cookies:

A persistent cookie is a cookie stored by the web browser on your device until it expires or you delete it. The expiration of a persistent cookie is determined by the cookie's creator and may occur on a specific date or after a certain amount of time has passed since the session. This means that, throughout the cookie's lifetime, your information will be transmitted to the creator's server every time the user visits the website to which it belongs or another website configured to check for that cookie (such as an advertisement placed on that website). For this reason, persistent cookies are also called "tracking cookies".
A session cookie is temporarily created on your device to be used by a website during your visit. This type of cookie may store entered information and track your activity on the website. A session cookie is deleted after you leave the website or when the browser is closed. A good example of a session cookie is the shopping cart on an e-commerce website. The session cookie stores the items you add to the cart so that they are not forgotten while you view products on other pages of the website. Using a session cookie, all the items will be in the cart when you go to the checkout page.

How do I manage cookies?

Most browsers allow you to choose whether to accept cookies. Most also allow you to delete cookies that have already been set. The available options and the mechanism used vary from browser to browser. These browser settings are usually found in the "options", "tools" or "preferences" menu. You may also consult the browser's "help" menu. 

What type of cookies do we use?

The Site may use Strictly Necessary Cookies, Performance Cookies, Functional Cookies, Targeting Cookies and Social Media Cookies. Any of these cookies may be first-party or third-party cookies, persistent or session cookies. 


Strictly Necessary Cookies: These are cookies without which you would not be able to use the Site. For example, Strictly Necessary Cookies adjust the Site data transmitted to match your internet connection, take you to secure versions of the Site and help provide services that you specifically request. If you set your browser to block these cookies, some parts of the Site will not work. Strictly Necessary Cookies do not store Personal Data.
Performance Cookies: We use these cookies to count visits and traffic sources, in order to measure and improve the performance of the Site. They help us know which pages are the most and least visited by users, and see how visitors navigate through the Site. Performance Cookies do not store Personal Data.
Functional Cookies: These cookies allow the Site to remember the choices you make and offer enhanced functionality and more personalized features. Depending on the context, Functional Cookies may store certain types of Personal Data, as necessary to provide functionality.
Targeting Cookies: Targeting Cookies help us manage and display our advertisements, based on your activity on the Site and on other websites. This activity is known as interest-based advertising. Targeting Cookies rely primarily on the unique identification of your browser and internet device. Opting out of interest-based advertising does not mean that you will no longer see online advertising, but that the companies you have opted out of will no longer display advertisements tailored to your interests.
Social Media Cookies: Social Media Cookies facilitate sharing on social networks, provide tools for you to connect to the Site and help us better understand both the Site's target audience and the effectiveness of our social media outreach. These are third-party cookies. Your choices regarding these cookies are determined by the social media platforms on which you have an account.