What are Cookies?
A "Cookie" is usually a small text file that contains a unique identifier, made up of letters and numbers.
How do Cookies work?
Cookies are created when you use your browser to visit another website. The identifier which forms part of the Cookie is sent from a web server to a web browser and is then stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. This is in turn stored on your device when you visit a website on your computer or an app on your phone.
A Cookie can be a 'Session Cookie' or a 'Persistent Cookie'.
- A Session Cookie will expire when the user session is terminated and the web browser closed.
- A Persistent Cookie, however, will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date.
Cookies are used to collect visitor behaviour information as well as tracking your movements within the site or web page. Cookies can help you to resume where you left off, remember your registered login details, and content preferences as well as other customisation functions. They do not typically contain any information that personally identifies a user.
At a basic level Cookies will:
- Allow the site to work properly, and help keep it secure
- Help us understand how people use the website
- Make the site easier to use by remembering information that you've entered
- Improve your experience by showing you information that's relevant to you.
These are required for the operation of the website. They let you move around our websites and use all the features. Without them, you wouldn't be able to do things such as submitting an enquiry to us via our contact form.
If you block these cookies we cannot guarantee access to the services provided through the website or be sure how the website will perform during your visit.
|Performance Cookies||These simply help us improve the way our website works. They tell us how people use each page, which ones are most commonly viewed, or whether any errors occurred.|
|Targeting Cookies||These cookies help make sure the adverts you see on your screen are relevant to your personal preferences and are useful to you. For example, if your're shopping online for a personal loan, your might see more advertisements for personal loans pop up. This is simply because the cookie has detected what your're looking for.|
|Social Media Cookies||These cookies enable you to share content on this website via your social media platforms such as Linked In, Facebook and Twitter.|
What Third Party Providers do we use?
As well as using first party cookies directly from us, from time to time, we may use targeting cookies from a number of our third party providers and marketing partners. We may also use their Cookies to also help deliver adverts relevant to your interests. These cookies can track your browsing history across various websites.
The Third party Cookies we currently use are:
- Google Analytics
- Google Tag Manager
- Google Optimisely
- Google call tracking
Our website uses the performance Cookie, Google Analytics, which is a web analytics service provided by Google. This is a type of targeting cookie and does not directly identify anyone. You can opt-out of having your anonymised browsing activity within websites recorded by analytics cookies.
For more information on Google Analytics, including details of how to block these cookies specifically, please see: https://support.google.com/analytics/answer/181881?hl=en
Our group companies may receive the personal data of end users as a consequence of using a google product, depending on the nature of your interaction with us.
How can you Manage Cookies?
You are within your rights to restrict or block Cookies we set and you can do this through your browser settings, device settings or amending your preferences below. You may withdraw your consent and amend your cookie settings at any time.
You can set your browser not to accept cookies. Each of our third party provider's individual policies will also tell you how to remove their cookies from your browser. However, please be aware that in a few cases some of our website features may not function as a result
If you don't want to accept cookies in e-mails, you can set your internet browser to restrict or reject cookies, or you can close the email before downloading any images or clicking any links. Each browser will have different settings to enable you to do this, for example Mozilla Firefox, Apple Safari and Google Chrome. Please visit their individual cookie policies for further information.
To enable cookies
If you’re not sure of the type and version of web browser you use to access the Internet:
For PCs: click on ‘Help’ at the top of your browser window and select the ‘About’ option
For Macs: with the browser window open, click on the Apple menu and select the ‘About’ option
How to check cookies are enabled for PCs
- Click on ‘Tools’ at the top of your browser window and select Options
- Click the ‘Under the Hood’ tab, locate the ‘Privacy’ section, and select the ‘Content settings’ button
- Now select ‘Allow local data to be set’
- Click on ‘Tools’ at the top of your browser window and select Options
- Then select the Privacy icon
- Click on Cookies, then select ‘allow sites to set cookies’
- Click on the Cog icon at the top of your browser window and select the ‘Preferences’ option
- Click on ‘Security’, check the option that says ‘Block third-party and advertising cookies’
- Click ‘Save’
How to check cookies are enabled for Macs
Safari on OSX
- Click on ‘Safari’ at the top of your browser window and select the ‘Preferences’ option
- Click on ‘Security’ then ‘Accept cookies’
- Select the ‘Only from site you navigate to’
Mozilla and Netscape on OSX
- Click on ‘Mozilla’ or ‘Netscape’ at the top of your browser window and select the ‘Preferences’ option
- Scroll down until you see cookies under ‘Privacy & Security’
- Select ‘Enable cookies for the originating web site only’
- Click on ‘Menu’ at the top of your browser window and select ‘Settings’
- Then select ‘Preferences’, select the ‘Advanced’ tab
- Then select ‘Accept cookies’ option
Opting out of Google Analytics Tracking
To opt out of being tracked by Google Analytics across all websites, visit https://tools.google.com/dlpage/gaoptout
What is Pixel Tracking?
Some pages on the website an our emails contain pixel tags, which are also referred to as web beacons, web bugs, tracking pixels, java tags and clear gifs.
The tags on our website do not collect or store any personal/identifiable data and we only associate with reputable advertisers or services, who share the same values in keeping compliant to data protection laws and regulations.
Pixel Tracking allow us and our advertisers or service providers to:
- Collect non-identifiable cookie data;
- Customise the communications we send you and the content provided to you on our website when required;
- Retarget users who have been directed to us from social media platforms such as Facebook, Twitter and LinkedIn; and
- Collect statistics regarding the way you use the website and interact with the emails we send you.