Date of last update: 9 January 2018
What are cookies?
Cookies are small text files which a website may put on your computer or mobile device when you visit a website or page. The cookie will help the website, or another website, to recognise your device the next time you visit. Web beacons or other similar files can also do the same thing. We use the term “cookies” in this policy to refer to all files that collect information in this way.
There are many functions cookies serve. For example, they can help us remember your username and preferences, analyse how well our website is performing or even allow us to recommend content we believe will be most relevant to you.
Certain cookies contain personal information – for example, if you click “remember me” when logging in, a cookie will store your username. Most cookies won’t collect information that identifies you, and will instead collect more general information such as how users arrive at and use our websites, or a user’s general location.
First and third party cookies
What sort of cookies do we use?
The cookies on our website perform a variety of different functions. The main types of cookies we use are:
1. Essential cookies
Some cookies are essential for the operation of our website. For example, some cookies allow us to identify authenticated users to ensure they can access the member-only pages, or maintaining a logged-in session on our website. If you opts to disable these cookies, you will not be able to access all the content on the website.
2. Performance cookies
We use other cookies to analyse how our visitors use our websites and to monitor website performance. This allows us to provide a high-quality experience by customising our offering and quickly identifying and fixing any issues. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages.
3. Functionality cookies
We use functionality cookies to remember your preferences. For example, cookies save you the trouble of typing in your username every time you access the site, and recall your customisation preferences, such as font sizes. We use third party functionality cookies to allow us to provide a 'live chat' service on our website(s) which mean that we're able to better help our visitors when they need it.
4. Promotional cookies
Promotional cookies collect information about your browsing in order to deliver promotions relevant to you and your interests as well as your IP address in order to determine your geographic location and for fraud filtering. They remember that you have visited a website and this information is shared with other organisations such as media publishers.
These kinds of cookies are usually placed by third party advertising networks. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising can include targeting you based on which pages you have visited and online behavioural advertising based on your browsing history.
Our websites use Google Analytics, a web analytics service. The cookies used by Google Analytics are third party cookies which help our websites analyse how you use the site. The information generated by the cookie about your use of our websites (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information to provide us with reports on website activity and other services relating to website activity. For more information about how Google uses your data you should see Google’s Privacy & Terms.
5. Social sharing cookies
Social sharing cookies provide you with additional functionality to share content from our web pages to social media websites and email using the social media widgets or buttons found on our websites. Use of these widgets or buttons may place a cookie on your device to make their service easier to use and to ensure your interaction is displayed on webpages (e.g. the social share count cache is updated). You should review each provider's privacy information before using these services.
What first party cookies do we use?
Below we outline the first party cookies we use and when they expire. Where these are shown with a star (*), this indicates variable text before or after the main cookie name.
- JSESSIONID & *session_id*. These cookies do not identify you but are used to deliver the features and services offered by this website. If you use Wealth Club services which require you to log in, these cookies mean we know you have logged in and provide functionality which includes your personal information (e.g. investment values). These cookies expire when you close your browser.
- vetting_submitted_c & wcid_c. These cookies ensure that we're only serving content on investments you are eligible to receive under FCA regulations. These cookies expire one year after being set.
- _ wealthclubltd*. These cookies mean we can offer services like contextual help and feedback options on pages where it may be helpful. These expire up to one year after being set.
- Products_in_cart. If you are applying for investment products online, this cookie will help us to track the list of products you've requested and allow you to apply for them at the same time. These expire when you close your web browser.
Can a website user block cookies?
As we’ve explained above, cookies help you get the most out of our website.
If you do not wish the cookies to be stored on your device, please use the options of your internet browser to erase previously set cookies, to block any future cookies or to warn you before a cookie is stored on your device.
Please remember if you do choose to disable cookies, you may find certain sections of the websites do not work properly.