Cookies are small text files that are placed on your computer (or other device you use to access the internet) by the websites that you visit, or companies that advertise on them. We use the term ‘cookie’ to refer to cookies and other types of file (including pixel tags), all of which are slightly different, but perform a similar function.
There are many different types of cookies, which differ in terms of how intrusive they are to your browsing experience. You can learn about cookies and how to control them at www.aboutcookies.org. The main types are:
Strictly necessary cookies – These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for, like returning search results, cannot be provided. These are usually placed by the website you are visiting (first party cookies) and will expire when you leave that website (session cookies).
Performance Cookies – These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from webpages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works. These will mainly be first party cookies, but could be set by third party websites. They may be session cookies or ‘persistent cookies’ that stay on your computer after your browsing session has finished.
Functionality Cookies - These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, a website may be able to provide you with local content by storing a cookie in the region in which you are currently located. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites. They may be session cookies, but will mainly be persistent cookies. Again they could be set by first or third parties.
Targeting or Advertising Cookies - These cookies are used to deliver adverts more relevant to you and your interests They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation. This type of cookie will normally be set by third parties, and will almost always be persistent. They will track you as you browse the internet.
The Cookies We Set
If you take part in a Moneyfacts survey cookies may be used to remember who has already taken part in a survey or to provide you with accurate results after you change pages.
When you submit data through a form such as those found on contact pages or comment forms, cookies may be set to remember your user details for future correspondence.
To provide you with the best experience we can, we provide the functionality to set your preferences for how this site runs when you use it. To remember your preferences, we need to set cookies so that this information can be called whenever you interact with a page which is affected by your preferences.
When you visit our website, we track the following. This helps us identify how well our website is working:
Anonymous (not personally identifiable) information about you including your IP address, the ID of a cookie we set, information about the device you are using, including information about the operating system and browser. We use this information to bundle the data we receive from you into a complete picture of the actions you've taken on our website.
Which pages on our website you visit, and how long you spend on each.
Any actions you take on a page, for example what buttons you click or forms you fill in.
Where you fill in a webform, we record the details that you leave. Note that this will only include personal identifiable information like your name or email address if you explicitly share these with us through a webform.
We will use this information to maintain, enhance, or add to the functionality of our website. Any personal identifiable information recorded will never be shared with third parties.
We use Google Analytics, which is one of the most widespread and trusted analytics solutions on the web, to help us understand how the site is used and ways that we can improve the user experience. These cookies may track things such as how long users spend on the site and the pages visited so we can continue to produce engaging content. For more information on Google Analytics cookies, see the official Google Analytics page.
Third party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long users spend on the site or pages visited which helps us to understand how we can improve the site for you.
From time to time we test new features and make subtle changes to the way that the site is delivered. When we are testing new features, these cookies may be used to ensure that you receive a consistent experience whilst ensuring we understand which optimisations our users appreciate the most.
Third party cookies allow us to understand about how many visitors to the site make apply or take out an account via the site, for example following an apply click. This allows us to accurately make business predictions so we can manage the site’s activities.
We have installed a facebook pixel which allows us to track the success of any facebook advertising campaigns we undertake, and to subsequently understand your use of the site following a link to us from facebook. This pixel does not allow us access to any of your personal data. This pixel will also be used by facebook to target our adverts to its users, based on criteria we set out. If you would like to amend your facebook settings, some information about how to do this is available here.
In some cases, we may provide you with custom content based on what you tell us about yourself either directly or indirectly by linking a social media account. These types of cookies simply allow us to provide you with content that we feel may be of interest to you.
Several partners advertise on our behalf and affiliate tracking cookies simply allow us to see if our customers have come to the site through one of our partner sites so that we can credit them appropriately and where applicable allow our affiliate partners to pay us any remuneration following you making a purchase.
We also use social media buttons and/or plugins on the site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, LinkedIn, Reddit and Google+, will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.
Last updated: 11 June 2020