Cookies Policy

What cookies we use and why

Cookies are small text files, which often include a unique identifier that is sent by a web server to your computer, mobile phone or any other internet enabled device (“device”) when you visit a website. Cookies are widely used in order to make websites work efficiently and help provide us with business and marketing information to enable us to make informed decisions on the development of our websites.

We use the following types of cookies:

Essential - 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.

Performance - Performance cookies help owners understand how the website is used by visitors. This information can then be used to improve the way the website works.

Preference - Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in.

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

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.

Name  

Description   

Purpose 

Type 

_RequestVerificationToken

Prevents CSRF attacks

Prevents CSRF attacks

Session

has_js

Registers whether user has activated JavaScript

Essential

Session

JSESSIONID

Used by metrics.responsetap.com to preserve user states across page requests

Essential

Session

rc::a

Used by Google to distinguish between humans and bots

Essential

Persistent

rc::b

Used by Google to distinguish between humans and bots

Essential

Session

rc::c

Used by Google to distinguish between humans and bots

Essential

Session

_lc.visitor_id.g11128833

_173.group.173

Used by Yomdel for tracking live chat

Essential

Session

_lc.vv.group173

Used by Yomdel for live chat

Essential

Session

adviserBranding

To display the correct adviser / firm to user when navigating to website

Essential

Session

FontsLoaded

Informs the site that fonts have successfully loaded

Essential

Session

lc_window_state.group173

Used by Yomdel for controlling state of live chat message window (i.e. open or minimised)

Essential

Session

message_text.group173

Used by Yomdel for sending live chat message

Essential

Session

notification(status_ping)

.group173

Used by Yomdel for maintain an active connection for live chat messages

Essential

Session

_osm_topt_token

Used by openstreetmap.org to provide user with map view

Essential

1 day

recent_window.group173

Used by Yomdel for tracking the active live chat message window

Essential

Session

auto_callback.group173

Used by Yomdel for live chat

Essential

Session

notification[personal_invitation].group173

Used by Yomdel for live chat

Essential

Session

adiLP

Used by ResponseTap to allow linking of website visitor behaviour to telephone calls

Performance

1 day

adiS

Used by ResponseTap to allow linking of website visitor behaviour to telephone calls

Performance

1 day

adiV

Used by ResponseTap to allow linking of website visitor behaviour to telephone calls

Performance

1 year

adiVi

Used by ResponseTap to allow linking of website visitor behaviour to telephone calls

Performance

30 minutes

_livechat

Used by livechatinc.com to hide user’s personal customisation of LiveChat

Performance

3 years

_livechat_lastvisit

Used by livechatinc.com to store when user last used LiveChat

Preference

3 years

3rdparty

Used by livechatinc.com to hide user’s personal customisation of LiveChat

Preference

Session

main_window_timestamp#

Used by livechatinc.com to hide user’s personal customisation of LiveChat

Preference

Session

_adiCookieCheck

Provide statistics of what pages the user has visited and how often an ad click leads to a sale or other actions

Statistics

Session

_dc_gtm_UA-#

Controls loading of Google Analytics script tag

Statistics

1 day

_ga

To generate statistical data on how visitor uses the website

Statistics

2 years

_gat

Used by Google Analytics to control request rate

Statistics

1 day

_gid

To generate statistical data on how visitor uses the website

Statistics

1 day

_hjid

To obtain data on visitor behaviour

Statistics

Persistent

_vwo_uuid_v2

Optimise website relevance to visitor

Statistics

1 year

collect

Send data to Google Analytics on user’s device and behaviour

Statistics

Session

ubpv

Determines if visitor leaves website straight away

Statistics

6 months

ubvs

Collects information of user visits (frequency, duration) to website

Statistics

179 days

ubvt

Collects information of user visits (frequency, duration) to website

Statistics

2 days

v.gif

Used by visualwebsiteoptimizer.com to optimise website relevance to visitor

Statistics

Session

_hjTLDTest

Used by HotJar to track how users interact with a page

Statistics

Session

_fbp

Used by Facebook to deliver adverts

Marketing

3 months

_gcl_au

Used by Google AdSense for advertisement efficiency

Marketing

3 months

_hjIncludedInSample

Statistics for user’s navigation

Marketing

Session

ads/ga-audiences

Used by Google AdWords to re-engage visitors based on behaviour

Marketing

Session

fr

Used by Facebook to deliver adverts

Marketing

3 months

i/jot

Used by Twitter to allow third party advertisers to target relevant adverts

Marketing

Session

GPS

Used by YouTube to enable geographical GPS tracking

Marketing

1 day

IDE

Used by Google DoubleClick to report user’s actions with ads

Marketing

1 year

MUID

Used by bing.com for Microsoft to track user across multiple domains

Marketing

1 year

MUIDB

Used by bing.com to register user data across websites to measure efficiency of ads

Marketing

1 year

NID

Used by Google to identify returning users for targeting ads

Marketing

6 months

pagead/1p-conversion/#

Used by Google to track interactions with ads

Marketing

Session

pagead/1p-user-list/#

Used by Google to track interactions with ads

Marketing

Session

PREF

Used by YouTube to keep statistics on how visitors use YouTube videos across different sites

Marketing

8 months

r/collect

Used by doubleclick.net to send user device and behaviour data to Google Analytics

Marketing

Session

test_cookie

Checks if the user’s browser supports cookies

Marketing

1 day

tr

Used by Facebook to deliver ads

Marketing

Session

VISITOR_INFO1_LIVE

Used by YouTube to estimate the user’s bandwidth for videos

Marketing

179 days

YSC

Used by YouTube to log statistics on what YouTube videos the user has seen

Marketing

Session

How to withdraw consent to, control and/or delete cookies

It is possible to remove cookies or block them from recording this information. You also have the option of blocking third party cookies only.

This option is generally found within the Options menu then Privacy section of your particular browser. Each browser is slightly different and constantly updating.

For more information consult the Help menu of your browser. The links below provide information on *how to manage cookies on popular browsers:

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

This information has been provided to show our commitment to legislation regarding cookie awareness so that you can understand what cookies we use and why we use them. This ensures transparency in the data collected on you.

Further information

https://ico.org.uk/for-organisations/guide-to-pecr/guidance-on-the-use-of-cookies-and-similar-technologies/

http://www.allaboutcookies.org

 

This policy was last updated 27th January 2020.

 

Because we play by the book we want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.
The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed

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