Cookie Notice

Cardif Vita S.p.A, based in Piazza Lina Bo Bardi 3, 20124 Milano, VAT number 11552470152 and Cardif Assurances Risques Divers based in Piazza Lina Bo Bardi 3, 20124 Milano, VAT number 08916500153 (hereinafter " BNP Paribas Cardif "), like all information society operators, uses a technology on its website (represented by the so-called "cookies") to collect information that helps improve your experience, as well as the services it offers. The cookies we use in enable our website to function and help us understand which information is most useful to users. Our site does not use profiling cookies, as defined below, but only technical or "third party" cookies.


  1. What are cookies?

Cookies are small text files that the websites visited by users send to their terminals, where they are stored before being re-transmitted to the same sites on the next visit. The cookies of the c.d. "third parties" are, on the other hand, set by a website other than the one the user is visiting. This is because on each site there may be elements (images, maps, sounds, specific links to web pages of other domains, etc.) that reside on servers other than that of the site visited.

Almost all browsers are set up to allow automatic storage of cookies on the User's device.

Cookies are used for different and various purposes, have different peculiarities and can be used both by the Data Controller (i.e., in this case, by BNP Paribas Cardif) as well as by third parties who use or can use on the Website, also in combination with them, the following categories of cookies, classifiable


session or permanent cookies

Cookies can expire at the end of a browser session (the period between the opening of a browser window by the User and its closure) or they can be kept for a longer period of time. Session cookies are those that allow websites to link the actions of a user during a browser session. Session cookies expire when the browser session ends. Persistent cookies are stored on a user's device between browser sessions, for variable periods of time, and allow the user's preferences or actions to be stored with respect to a website.


technical or profiling cookies

Technical cookies are those used by the owner of a site for the sole purpose of transmitting a communication over an electronic communications network, or to the extent strictly necessary for the provider of an information society service explicitly requested by the subscriber or by the 'User to provide this service. For the installation of these cookies, the prior consent of the Users is not required when used directly by the site manager.

Profiling cookies are designed to create profiles relating to the User and are used in order to send advertising messages in line with the preferences expressed by the same in the context of surfing the net. Due to the particular invasiveness that these Cookies may have in the private sphere of Users, European and Italian legislation provides that the User must be adequately informed on their use, through a short information (banner) and an extended present on the site, and that he must express his express consent in this regard the first time he visits the site. This consent can be expressed in a general way, by interacting with the brief information banner present on the landing page of the site, with the methods indicated in this banner, or it can be provided or denied selectively, according to the methods indicated below. This consent is tracked on subsequent visits. However, the User always has the option of revoking all or part of the consent already expressed.


first-party or third-party cookies

A Cookie is "first party" or "third party" based on the website or domain from which it comes.

First-party cookies are essentially the cookies set and / or managed by the site owner. For these cookies, the obligation to provide information, to acquire consent and / or to allow the possible blocking of cookies lies with the owner of the site. Third-party cookies are cookies set by a domain other than the one visited by the user. For these Cookies, the obligation to provide information and indicate the methods for the possible consent and / or blocking of Cookies lies with the third party, while the owner of the site is only obliged to insert the link to the site of the third party where such elements are available.



This section contains all the information on the cookies installed through our website. In particular, uses cookies of a technical nature. Technical cookies can be divided into the following sub-categories:

These Cookies, as specified in the previous paragraph A of this Cookie Policy, being of a technical nature, do not require your prior consent to be installed and used and their use is legally based on our legitimate interest in the proper functioning of our site.

As mentioned, third-party cookies are also operational on our website, i.e. cookies created by a website other than the one the user is currently visiting. In particular, we inform you that our website uses the following services that release cookies:







1st technical

Unique ID for saving cookie preferences on the server

1 year


1st technical

acceptance of technical cookies

1 year


1st technical

Acceptance of cookies for statistical tracking

1 year


1st technical

Acceptance of cookies for marketing

1 year


1st technical

Cross-site request forgery attack protection

1 year


1st technical

Session management for logged in users

14 days


3rd statistics

Used to distinguish users.

2 years


3rd statistics

Used to distinguish users.

24 hours


3rd statistics

Used to throttle request rate.

1 minute


  1. Who uses the information stored in the Cookies?

The information stored in the Cookies from our website is used exclusively by BNP Paribas Cardif, except those identified as "Third party cookies", used and managed by external entities to provide services requested by us to improve our services and the browsing experience of the user on our site.


B. Is it possible to control the installation of Cookies?

In addition to what is indicated in this Cookies Policy, we inform you that you can manage your preferences for Cookies directly from within your browser and prevent - for example - third parties from installing them. Through the browser preferences it is also possible to delete the Cookies installed in the past, including the Cookie in which the consent to the installation of Cookies by this Website is eventually saved. It should be noted that by disabling all cookies, the functioning of this website could be compromised.

You can find information on how to manage cookies in your browser at the following addresses:Google ChromeMozilla FirefoxApple Safari and Microsoft Windows Explorer.

In the case of services provided by third parties, you can also exercise your right to oppose the tracking by informing yourself through the privacy policy of the third party, through the opt out link if explicitly provided in this Cookie Policy or by browsing directly within the privacy policy of the third party.

Since the installation of Cookies and other tracking systems by third parties through the services used within this Website cannot be technically controlled by the Data Controller, any specific reference to Cookies and tracking systems installed by third parties is to be considered indicative. To obtain complete information, consult the privacy policies of third parties as indicated in this Cookies Policy.




Given the objective complexity linked to the identification of technologies based on cookies and their very close integration with the functioning of the web, we invite you to contact us using the following contact channels if you wish to receive any further information on the use of cookies and any use of the same - for example by third parties - made through this Website.


Data Protection Officer


Thanks for the attention!