Cookie Policy.

Published on: 24/05/2018

1. General

1.1 Hi and welcome to the Choose Wisely Cookie Policy. This policy explains how we use cookies to recognise You when You visit Our Website. It explains what cookies are, what We use them for, Your rights, and methods to control them.

1.2 Cookies are bits of data contained within tiny text files that are stored on your computer or device when you visit a website. We use them:

1.2.1 to improve the security of choosewisely.co.uk;

1.2.2 to improve the function and stability of Our Website;

1.2.3 to make Our Website function properly;

1.2.4 to remember information about You so that You don’t have to give it to Us more than once;

1.2.5 to help us personalise Your experience by remembering Your preferences, settings and Your progress through applications so that You can pick up where You left off when You return;

1.2.6 to help us understand how You use the website and its tools, so that we make them better;

1.2.7 to deliver advertising and notifications to You on other websites; and

1.2.8 to find out if You read our emails and if You found them useful.

1.3 We do not use cookies to:

1.3.1 collect any sensitive or financial information;

1.3.2 collect any personal information that someone could use to personally identify You; or

1.3.3 collect and distribute any information to third parties that someone could use to identify You.

1.4 From time to time, We may change or update this Cookie Policy. If We do, the updated or amended Cookie Policy will be posted to this page.

1.5 If any provision of this Cookie Policy is held to be unlawful, invalid or unenforceable, that provision shall be deemed deleted, and the validity and enforceability of the remaining provisions shall not be affected.

1.6 This Cookie Policy, together with Our Terms & Conditions and Privacy Policy, constitute the entire agreement between You and Us relating to Your access to and use of choosewisely.co.uk and supersede any prior agreements.

1.7 No failure or delay by Us in exercising any right under this Cookie Policy will operate as a waiver of that right nor will any single or partial exercise by Us of any right preclude any further exercise of any right.

1.8 This Cookie Policy shall be governed and interpreted in all respects, in accordance with the laws of England and Wales.

1.9 If You have any queries relating to this Cookie Policy, or any other related questions, contact the Choose Wisely team at [email protected]

2. About Us

2.1 choosewisely.co.uk and Choose Wisely are trading names of Choose Wisely Limited, a firm authorised and regulated by the Financial Conduct Authority (Firm Reference Number 730574).

2.2 Choose Wisely Limited is registered in the UK at Telephone House, 18 Christchurch Road, Bournemouth BH1 3NE (Registered Company Number 07580462).

2.3 Choose Wisely Limited is registered with the Information Commissioner’s Office (Registration Number Z3106681).

3. Definitions

In this Cookie Policy:

Product

means any third party bank account, business loan, credit card, personal loan, or prepaid debit card displayed on Our Website;

Provider

means a financial services Provider supplying one or more Products;

Tools

means interactive features of choosewisely.co.uk including the Budget Planner, comparison tables, ClearChoice, the Eligibility Checker, the Loan Calculator, the Money for the Many email signup at the foot of each page, Our Product pages, the Simple Loan Search, and Our WiseGuides;

We, Us and Our

means choosewisely.co.uk or Choose Wisely or belonging to choosewisely.co.uk or Choose Wisely, both trading styles of Choose Wisely Limited;

Website

means pages, Tools and content available at choosewisely.co.uk; and

You, Your

means You or belonging to You, the user of Our Website.

4. The cookies We use

4.1 We use several different types of cookie. These include:

4.1.1 First-party cookies. These are cookies set by choosewisely.co.uk. Only Our Website can read them.

4.1.2 Third-party cookies. These cookies are not set by choosewisely.co.uk but by someone else. For example, some pages on Our Website may contain content from other sites like Vimeo or Twitter, which may set their own cookies. Also, if You share a link to a page from choosewisely.co.uk, the service You share it on (for example, Facebook) may set a cookie on Your browser. We have no control over third-party cookies. You can turn them off, but you’ll need to read the cookie policy belonging to whomever set the cookie to find out how.

4.1.3 Session cookies. These cookies only last as long as Your online session, and disappear from Your computer or device when You close Your browser.

4.1.4 Persistent cookies. These cookies stay on Your computer or device after Your browser has been closed and last for a time specified in the cookie. We use persistent cookies when We need to know who You are for more than one browsing session. For example, We use them to remember Your preferences for the next time You visit.

4.1.5 Essential cookies. These cookies allow the website to function and let You use all the different tools and features of the choosewisely.co.uk Website. Without them, services that You’ve asked for can’t be provided. An example of these cookies would be the cookie that remembers things You’ve already done, like text You’ve entered into an application form, so it’ll still be there when You go back to the page in the same web session. We also use essential cookies for security purposes.

4.1.6 Functional cookies. These help Us to personalise Your experience of using choosewisely.co.uk by remembering Your preferences and settings. An example of this type of cookie would be the cookie that remembers if You’ve visited the website before so that messages for new visitors are not displayed to You.

4.1.7 Performance cookies. These help Us understand how many people use choosewisely.co.uk, where they came from, what pages they’ve visited, if they encountered any errors and how successful it is at delivering good outcomes. We use this type of cookie so that We can make Our Website better. They also let Us test different ideas. We sometimes use other companies to help Us achieve this and these companies might set their own performance cookie.

4.1.8 Advertising cookies. These cookies allow Us to measure the performance of Our advertising ensuring that You and other future users see targeted, relevant advertisements.

4.1.9 Web beacons. Web beacons or “pixels” are a similar technology to cookies; and just like cookies, they can help to deliver an improved online experience and measure how successful Our Website is at delivering good outcomes. Essentially, they are transparent picture files that are sometimes used in combination with cookies to keep track of a customer's navigation through a website or series of websites.

5. Third party cookies

5.1 Below You’ll find a list of the third party cookies we use to measure performance and where possible, a link to a page where You can turn them off.

5.1.1 Adobe Marketing Cloud. We use Adobe Marketing Cloud to measure the effectiveness of Our online marketing. Click here to opt out of Adobe Marketing Cloud cookies.

5.1.2 Amazon Web Services. We use Amazon Web Services to host some of the choosewisely.co.uk website. Amazon Web Services stores anonymous data in its cookies, its cookies are essential cookies and it’s likely that the site will not function properly if they are deleted or disallowed. Click here to opt out of Amazon Web Services cookies.

5.1.3 Bing. We use Bing to promote Our Website and to measure the effectiveness of Our online marketing. Click here to opt out of Bing cookies.

5.1.4 Cloudflare. We use Cloudflare to protect You and Our Website. Cloudflare stores anonymous data in its cookies, is an essential cookie and it’s likely that the site will not function properly if they are deleted or disallowed. Click here to opt out of Cloudflare cookies.

5.1.5 Facebook. We use Facebook to promote Our Website and to measure the effectiveness of Our online marketing. Click here to opt out of Facebook cookies.

5.1.6 Google AdWords. We use Google AdWords to measure the effectiveness of Our online marketing. Click here to opt out of Google AdWords cookies.

5.1.7 Google Analytics. We use Google Analytics to gather anonymous data about Our website visitors, so We can improve the site. Click here to opt out of Google Analytics cookies.

5.1.8 Google DoubleClick. We use Google DoubleClick to promote Our Website and to measure the effectiveness of Our online search marketing campaigns on Google. Click here to opt out of Google DoubleClick cookies.

5.1.9 Hoefler & Co. We use Hoefler & Co to serve some of the fonts displayed on the choosewisely.co.uk website. Hoefler & Co stores anonymous data in its cookies, its cookies are essential cookie and it’s likely that the site will not function properly if they are deleted or disallowed. Click here to opt out of Hoefler & Co cookies.

5.1.10 HotJar. We use HotJar to gather anonymous data about Our website visitors, so We can improve the site. Click here to opt out of HotJar cookies.

5.1.11 Marin. We use Marin to measure the effectiveness of Our online marketing. Click here to opt out of Marin cookies.

5.1.12 New Relic. New Relic allows Us to monitor the performance and health of choosewisely.co.uk in real time. Click here to opt out of New Relic cookies.

5.1.13 Optimizely. Optimizely allows us to test different web pages and functionality, and to understand how best to display a webpage/feature for You to use. Click here to opt out of Optimizely cookies.

5.1.14 Visual Website Optimizer. We use Visual Website Optimizer to test different website designs and features, so We can improve Your experience when using Our Website. Click here to opt out of Visual Website Optimizer cookies.

6. Managing your cookies

6.1 You can use Your browser settings to accept, reject and delete existing cookies. If You’ve disabled cookies in Your web browser, it’s likely that You won't be able to use some of the Tools that feature on the choosewisely.co.uk Website or they won’t work properly.

6.2 Information on how to stop cookies being set on Your computer or device can be found on the aboutcookies.org.uk website.

7. Implementation of Policy

This Policy shall be deemed effective as of 24/05/2018. No part of this Policy shall have retroactive effect and shall thus apply only to matters occurring on or after this date.