Day: May 18, 2021

The Risk Engine: Supporting Underwriting With Speed And Accuracy

May 18, 2021

Did you know that four of the top five risk factors contributing to the global disease burden are modifiable lifestyle behaviors? It has been demonstrated that key modifiable lifestyle factors

dacadoo HQ

Zurich, Switzerland
sales@dacadoo.com

EU, Middle East & Africa

Jos Cobben
jos.cobben@dacadoo.com

North America

Blake Hill
blake.hill@dacadoo.com

Latin America

Paolo Fiorentino
Paolo.Fiorentino@dacadoo.com

Asia Pacific

Thomas Dijohn
thomas.dijohn@dacadoo.com

Impressum – Copyright © dacadoo ag. All rights reserved. Republication or redistribution, including by framing or similar means, are prohibited. dacadoo does not offer medical advice or diagnosis. The dacadoo Health Score is generated based on data provided by the user and is for information purposes only.

Cookie Notice

Version: December 2021

This Cookie Notice (as amended from time to time, the “Cookie Notice“) describes our policies and procedures on the use of cookies and similar technologies through your access to and use of the websites (the “Website“) as operated by dacadoo ag, Othmarstrasse 8, CH-8008 Zurich, Switzerland (“dacadoo“).

1. What are Cookies?

To offer you a good user experience when visiting our website, we use cookies and similar technologies.
A cookie is a small data file created by a web server and transferred to and stored on your device’s persistent memory. The cookies created by the web servers contain data that uniquely identifies you during your use of the website.

2. What do they do?

We use cookies to tell us, for example, whether you have visited us before or if you are a new visitor. It also helps us enhance your online experience while you are visiting our Website.

3. Consent to the use of cookies on our site

When you visit our Website, a window pops up on your screen about the placement of cookies on your device’s persistent memory.

The message that appears briefly explains you our cookie policy. By clicking “Accept Cookies” you accept the cookies specified in this Cookie Notice. You can also click on “Cookie Settings” to set up your preference for cookies.

4. Types of cookies we may use and what they are used for

We use different types of cookies and similar technologies. We make use of so-called ‘first-party cookies’, which are cookies that are provided by dacadoo as well ‘third-party cookies’, which are cookies as provided by third parties to provide services to dacadoo.

Cookies are necessary to provide certain functionalities on a website, e.g. to maintain a language choice made by a user. Moreover, cookies enable the respective issuer (dacadoo or a third party) to recognize that the website was previously called up by a certain end device, allowing the identification of returning visitors (or rather their end devices) and gathering information about their usage of the website and their presumed interests. We believe it is very important that you know what data we collect with our cookies and that you know which cookies our technology uses and for what purposes they are used. Please find below an overview of the type of cookies that may be used.

Strictly Necessary Cookies
These cookies are deemed as strictly necessary to offer you the basic functionalities of the Website and cannot be switched off in our systems. They deliver the service you requested on the Website.

Statistics Cookies
Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously.

Marketing Cookies
These cookies may be set through our Website 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 information but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising. Marketing cookies may also include social media cookies. These cookies are set by a range of social media services that we have added to the Website to enable you to share our content with your friends and networks. These social media services can use cookies to see if you are logged in and allow you to "like" content or forward it to your friends. They can track your browser across other sites and build up a profile of your interests. Depending on your settings, these third parties may use your information for their own purposes, such as advertising. This may impact the content and messages you see on other websites you visit. If you would like to know more how these social media services use data, please refer to the privacy notices of these platforms. If you do not allow these cookies you may not be able to use or see these sharing tools.

5. Alternative ways to control, disable and delete cookies

You can change the settings to block cookies or to alert you when cookies are being sent to your device. Click on one of the links below to go directly to your browser manual. Remember that you will have to set your preferences again or login again on some websites after removing cookies.
- Internet Explorer
- Mozilla Firefox
- Google Chrome
- Apple Safari

If you do not wish to receive any cookies at all (including those cookies which are necessary to provide the Website to you), you may set your browser to disable cookies all together. If you disable the cookies that we use, this may impact your overall user experience while on the Website. Also saving customized settings like login information may stop.

If you use different devices to view and access the Website (e.g. your computer, smartphone, tablet etc.) you will need to ensure that each browser on each device is properly adjusted to suit your cookie preferences.

6. Our details

This website is owned and operated by dacadoo AG.

We are registered in Switzerland under registration number CHE-116.187.330, and our registered office is at Othmarstrasse 8, CH-8008 Zurich, Switzerland.

For questions, comments or concerns you can contact our privacy team by sending an email to: privacy@dacadoo.com and by post, to the address above.

Cookie list

A cookie is a small piece of data (text file) that a website – when visited by a user – asks your browser to store on your device in order to remember information about you, such as your language preference or login information. Those cookies are set by us and called first-party cookies. We also use third-party cookies – which are cookies from a domain different than the domain of the website you are visiting – for our advertising and marketing efforts. More specifically, we use cookies and other tracking technologies for the following purposes:

Strictly necessary cookies

Cookie Name: elementor
Type: HTML
Duration: Persistent
Description: Used in context with the website's WordPress theme. The cookie allows the website owner to implement or change the website's content in real-time.

Statistics cookies

Cookie Name: _ga
Type: HTTP
Duration: 2 years
Description: Registers a unique ID that is used to generate statistical data on how the visitor uses the website.

Cookie Name: _gat
Type: HTTP
Duration: 1 day
Description: Used by Google Analytics to throttle request rate.

Cookie Name: _gid
Type: HTTP
Duration: 1 day
Description: Registers a unique ID that is used to generate statistical data on how the visitor uses the website.

Marketing Cookies

Cookie Name: _fbp
Type: HTTP
Duration: 3 Months
Description: Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.

Cookie Name: tr
Type: Pixel
Duration: Session
Description: Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.

7. Updates to this document

This Cookie Notice may be updated from time to time as a result of required developments. In case of such updates, we will undertake necessary actions to inform you about them depending on the importance of changes done. If and where required by applicable laws we will also ask for your consent to any material Cookie Notice changes describing our up-to-date practices.

Please check the “date of publication” to see when this Cookie Notice was updated.

Necessary

Always Enabled

Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies.

Cookie	Type	Duration	Description
elementor	persistent		Cookie purpose description: Used in context with the website's WordPress theme. The cookie allows the website owner to implement or change the website's content in real-time.
hssc	session	30 minutes	HubSpot sets this cookie to keep track of sessions and to determine if HubSpot should increment the session number and timestamps in the __hstc cookie.
hssrc	session	30 minutes	This cookie is set by Hubspot whenever it changes the session cookie. The __hssrc cookie set to 1 indicates that the user has restarted the browser, and if the cookie does not exist, it is assumed to be a new session.

Statistics

Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously.

Cookie	Type	Duration	Description
_ga	http	2 years	Cookie purpose description: Registers a unique ID that is used to generate statistical data on how the visitor uses the website.
_gat	http	1 day	Used by Google Analytics to throttle request rate.
_gid	http	1 day	Registers a unique ID that is used to generate statistical data on how the visitor uses the website.
hstc	persistent	5 months 27 days	This is the main cookie set by Hubspot, for tracking visitors. It contains the domain, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session).
hubspotutk	persistent		HubSpot sets this cookie to keep track of the visitors to the website. This cookie is passed to HubSpot on form submission and used when deduplicating contacts.

Marketing

Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers.

Cookie	Type	Duration	Description
_fbp	http	3 months	Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.
tr	pixel	Session	Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.