COOKIES POLICY

WHAT ARE COOKIES ?

Cookies are small text files that are sent to your computer or mobile phone from a website's computer (server) and stored on your device's hard drive. Most websites you visit will use cookies in order to improve your user experience by enabling that website to "remember" you, either for the duration of your visit (using a "session cookie") or for repeat visits (using a "persistent cookie"). Persistent cookies are activated each time you visit the website that created that particular cookie. Cookies cannot be used to identify you personally.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improving the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

You can find more information about cookies at allaboutcookies.org and youronlinechoices.eu.

HOW DO I CHANGE MY COOKIE SETTINGS

You can change your cookie preferences at any time by clicking on the "Opting Out" links provided for each cookies listed below. Alternatively, most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit allaboutcookies.org.

Find out how to manage cookies on most of popular browsers:

☛ Google Chrome
☛ Microsoft Edge
☛ Mozilla Firefox
☛ Microsoft Internet Explorer
☛ Opera
☛ Apple Safari

To find information relating to other browsers, visit the browser developer's website.

To opt out of being tracked by Google Analytics across all websites, visit https://tools.google.com/dlpage/gaoptout.

You can also amend your general cookie settings at: www.youronlinechoices.eu by selecting your country and "your ad choices".

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, tablet or 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.

HOW DO WE USE COOKIES ?

There are several different types of cookies which we use for a range of objectives when you visit and accept them through our webpage when you initially visit our website. We may use Cookies to authenticate you as a new visitor to our website, which in turn improves your browsing experience as you navigate through our pages and services.

Essential Cookies
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 you're shopping online for a personal loan, you might see more advertisements for personal loans pop up. This is simply because the cookie has detected what you'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.

We also use cookies to add additional security to our user accounts in order to protect our website and services and similar technologies in emails. These help us to understand whether you’ve opened an email and how you’ve interacted with it. Cookies may also be set if you click on a link within the email. We may also use cookie data to compile statistical reports on website activity. We may also maintain data which confirms when Cookie consent was attained.

For further information visit www.allaboutcookies.org or www.youronlinechoices.eu.

WHAT THIRD-PARTY PROVIDER 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 can use are:

☛ Google Analytics
☛ Bing
☛ LinkedIn
☛ Twitter
☛ Facebook
☛ YouTube
☛ Google Tag Manager
☛ Google Ads

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 website may contain links to other sites. This cookie policy only applies to this website so when you link to other provider’s websites, you should read their own privacy policy.

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.

You can also update and amend your preference on individual Cookies providers, details below:

GOOGLE ANALYTICS COOKIES:

☛ Domain: google.com. Name: __utma. Expires: 2 years.
This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour and measure site performance. This cookie lasts for 2 years by default and distinguishes between users and sessions. It it used to calculate new and returning visitor statistics. The cookie is updated every time data is sent to Google Analytics. The lifespan of the cookie can be customised by website owners.

☛ Domain: google.com. Name: __utmb. Expires: 1 day.
This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour and measure site performance. This cookie determines new sessions and visits and expires after 30 minutes. The cookie is updated every time data is sent to Google Analytics. Any activity by a user within the 30 minute life span will count as a single visit, even if the user leaves and then returns to the site. A return after 30 minutes will count as a new visit, but a returning visitor.

☛ Domain: google.com. Name: __utmc. Expires: At end of browser session.
This is one of the four main cookies set by the Google Analytics service which enables website owners to track visitor behaviour and measure site performance. It is not used in most sites but is set to enable interoperability with the older version of Google Analytics code known as Urchin. In this older versions this was used in combination with the __utmb cookie to identify new sessions/visits for returning visitors. When used by Google Analytics this is always a Session cookie which is destroyed when the user closes their browser. Where it is seen as a Persistent cookie it is therefore likely to be a different technology setting the cookie.

☛ Domain: google.com. Name: __utmt. Expires: 1 day.
This cookie is set by Google Analytics. According to their documentation it is used to throttle the request rate for the service - limiting the collection of data on high traffic sites. It expires after 10 minutes

☛ Domain: google.com. Name: __utmz and __utmzzses. Expires: 1 day.
This cookie is set by Google Analytics. According to their documentation it is used to throttle the request rate for the service - limiting the collection of data on high traffic sites. It expires after 10 minutes

☛ Domain: google.com. Name: _ga. Expires: 2 years.
This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default it is set to expire after 2 years, although this is customisable by website owners.

☛ Domain: google.com. Name: _gcl_au. Expires: 3 months.
Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.

☛ Domain: google.com. Name: _gali. Expires: 1 day.
this is used to collect information about how visitors use the websute The cookies collect information in an anonymous form, including the number of visitors to the website and blog, where visitors have come to the website from and the pages they visited.

☛ Domain: google.com. Name: _gat. Expires: 1 day.
This cookie name is associated with Google Universal Analytics, according to documentation it is used to throttle the request rate - limiting the collection of data on high traffic sites. It expires after 10 minutes.

☛ Domain: google.com. Name: _gid. Expires: 1 day.
Used to distinguish users. Contains 4 types of information:
- 1. “GA1”.
- 2. “2” stand for cookie version and top level domain respectively.
- 3. “1069090413? is a random number generated for the current session.
- 4. “1495603968” is the timestamp of when this session had started. Combination of 3. and 4. are Session IDs, and these Session IDs help Google Analytics group the entire user journey for each session. Session IDs change after each session– thereby causing the value in cookie to change also.

☛ Domain: Website domain. Expires: 6 months.
Names: utm_campaign, utm_campaign_last, utm_content, utm_content_last, utm_medium, utm_medium_last, utm_source .
These are the main cookies set by the website tracking system which enables us track visitor behaviour and measure site performance and lead attribution against our sales channels. This cookie identifies the source of traffic to the site - so can tell us where visitors came from when arriving on the site. The cookie has a life span of 6 months and is updated every time data is sent to Google Analytics or a user visits our website.

☛ Domain: google.com. Name: _loc. Expires: Never expires.
This is a geo-location cookie, so we know approximately where people sharing information are located.

☛ Domain: google.com. Name: NID. Expires: 6 months.
The NID cookie contains a unique ID that Google uses to remember your preferences and other information, such as your preferred language (e.g. English), how many search results you wish to have shown per page (e.g. 10 or 20) and whether or not you wish to have Google’s SafeSearch filter turned on.

☛ Domain: google.com. Name: utm_source_last, utm_term and utm_term_last. Expires: 6 months.
These are the main cookies set by the website tracking system which enables us track visitor behaviour and measure site performance and lead attribution against our sales channels. This cookie identifies the source of traffic to the site - so can tell us where visitors came from when arriving on the site. The cookie has a life span of 6 months and is updated every time data is sent to Google Analytics or a user visits our website.

➠ Google Privacy Policies

➠ To opt out of being tracked by Google Analytics across all websites, visit https://tools.google.com/dlpage/gaoptout.

MICROSOFT COOKIES:

☛ Domain: bing.com. Name: MUID. Expires: 1 year.
This cookie is widely used my Microsoft as a unique user identifier. It can be set by embedded microsoft scripts. Widely believed to sync across many different Microsoft domains, allowing user tracking.

☛ Domain: bing.com. Name: _uetsid. Expires: 1 day.
This cookie is used by Bing to gather anonymous information on how visitors are using our website.

☛ Domain: bing.com. Name: MUIDB. Expires: 1 year.
This cookie is widely used my Microsoft as a unique user identifier. It can be set by embedded microsoft scripts. Widely believed to sync across many different Microsoft domains, allowing user tracking.

➠ Microsoft Privacy Policies

➠ To opt out of being tracked by Bing ads across all websites visit Microsoft Advertising optimization program

OTHER COOKIES:

Cookies are widely used in online advertising. Neither us, advertisers or our advertising partners can gain personally identifiable information from these cookies. You can learn more about online advertising at https://www.youronlinechoices.com. You can opt-out of almost all advertising cookies at https://www.youronlinechoices.com/uk/your-ad-choices. It is also worth noting that opting out of advertising cookies will not mean you won't see adverts, just simply that they won't be tailored to you any longer.

☛ Domain: Facebook.com. Name: _fbp, tr, fbevents.js. Expires: 1 year.
This cookie will help deliver our advertising to people who have already visited our website when they are on Facebook or a digital platform powered by Facebook Advertising.
Facebook Privacy Policy: https://www.facebook.com/about/privacy
Opting Out: https://optout.aboutads.info

☛ Domain: Twitter.com. Name: uwt.js. Expires: 2 years.
Collects anonymous data related to the user's visits to the website, such as the number of visits, average time spent on the website and which pages have been loaded with the purpose of personalising and improving the Twitter service and adverts we run on Twitter.

Twitter Privacy Policy: https://twitter.com/en/privacy
Opting Out: https://optout.aboutads.info

You can find out more about how to manage cookies at https://www.allaboutcookies.org/manage-cookies