Our cookies policy

A “cookie” is a small text file that’s stored on your computer, smartphone, tablet, or other device when you visit a website or use an app. They contain specific information relating to your use of our website or app, such as login credentials; your preference settings or tracking identifiers.

Cookies are set by our web server, your browser and the web servers of the third parties whose cookies we deploy on our websites & apps. They can be read, updated or deleted by those same servers each time you visit our website/app, depending on the type of cookie.

Some cookies are deleted when you close your browser. These are known as session cookies. Other cookies (such as tracking cookies or authentication cookies) remain on your device until they expire, or you delete them from your browser. These are known as persistent cookies and enable us to remember things about you as a returning visitor.

This website uses persistent cookies.

Some cookies can impact your fundamental rights to privacy and the protection of your data. As such, we require your consent before they can be accessed or stored on your device. For this reason, we limit our use of cookies as explained below.

We use cookies and other similar technologies to:

• Provide products and services that you request and to provide a secure online environment
• Deliver marketing and to manage our marketing relationships with our third-party marketing partners
• Give you a better online experience and track website/app performance
• Help us make our website/app more relevant to you.

Here we explain a bit more about each of these types and how you can control their use.

These are cookies that are essential for the safe operation of our website/app and for us to provide a product or service you have requested.

Without these cookies we are unable to provide some products or services that you might request. This category of cookies cannot be disabled.

These cookies are used to:

• enable you to log into the secure areas of our website/log into the app
• track errors on our website/app and enable us to report incidents to our regulators
• deliver interactive services, such as:

            - online banking   
            - product applications   
            - webchat
            - call-backs

• keep our website/app secure and protect against online fraud
• record your preference regarding our use of cookies on your device.

These are cookies that we use to generate reports based on data from visits to the website/use of the app, without knowing who the visitor is. These cookies help us to gain insight of the pages that have been visited to help inform the optimisation of website/app layouts and visitor journeys.

Using cookies to track the most visited areas of our website/app and to identify when users encounter errors on the website/app, will help us ensure that our website/app layout is optimised to remove confusing or ineffective content.

You can switch these cookies off at any time by visiting your Cookies Preference Centre.

These cookies are set by us or our third-party analytics providers and allow us to record certain information about you, such as the pages you visit on our website; how many times you visit our website; and links you might click on.

We use this type of cookie to understand and analyse how visitors use our online services and look for ways to improve them. For example, a cookie might tell us that lots of people give up on an application process at a particular step – so we can try to make that step easier to complete.

The third party analytics providers may also collect other information about you such as your IP address, your geographical location, what type of device you are using and information about the device. This information can be used to create a unique fingerprint to help further identify you on other webpages you might visit and can be used to create a profile of your online activities and interests.

You can see more information about which third-party analytics providers we use and switch these cookies off by visiting your Cookies Preference Centre.

These cookies remember your preferences and tailor the website/app to provide enhanced features. Without these cookies, we cannot remember your choices or personalise your online experience.

We use this type of cookie to:

• Make online banking login faster by remembering you between visits on your personal devices
• Simplify online transactions by remembering the last account you used and showing it as the default for your next transaction
• Display your mini-statements as you like them by remembering which panels you’ve expanded and collapsed
• Remembering relevant information as you browse from page to page to save you re-entering the same information repeatedly
• Provide enhanced features, such as playing videos or allowing you to post a comment.

You can switch these cookies off at any time by visiting your Cookies Preference Centre.

These cookies are set by us (or our third-party marketing partners) and are used to deliver onsite or offsite adverts relevant to you and your interests and to help measure the effectiveness of advertising campaigns. These cookies are called retargeting cookies and can track your browsing history and online activities across websites to create a profile of your online activities and interests.

This information is shared with our third party marketing partners and will enable us to serve you with advertising when you visit other sites (for example, to remind you of products or services you may have shown an interest in or to provide you with special offers). This could include information about your browsing activity, your device’s IP address, cookie string data (which is used to identify the device type, operating system and browser), data about the online ads we have served to you and your interaction with those ads. We also work with third parties who may place cookies on your web browser to enable us and other advertisers to serve you with advertising based on your browsing and online search activity.

You can see more information about which third-party companies we partner with and switch these cookies off by visiting your Cookies Preference Centre.

As well as the cookies we use on our website, we use cookies and similar technologies in emails. For example, when you open the email a small image file known as a GIF may be downloaded to your web browser or email programme. Cookies may also be set if you click on a link within the email. These help us to understand how many people have opened an email and interacted with it, without knowing who the individual is.

If you want to restrict or block this type of technology, you can do this through your web browser or e-mail programme settings by preventing automatic downloading. The ‘help’ function within your browser should tell you how.

Preference Centre - If you want to restrict or block the cookies on our site, you can do this at any time through your Cookies Preference Centre by clicking on the ‘Manage Preferences’ button below. The tool will record when you have consented to our use of cookies and will ask for consent again periodically to ensure users stay up to date with changes to our cookie and privacy policies. Essential cookies cannot be disabled. The tool specifically controls the cookies set by using our website and it cannot be used to block cookies on third-party websites linked from our website.

Browser Settings – Many of the cookies used on our website and through our emails can be enabled or disabled through your browser settings. The ‘help’ function within your browser should tell you how, or you can find out by visiting: https://www.allaboutcookies.org/manage-cookies/clear-cookies-installed.html, or search the internet for other independent information on how to delete cookies. You can set your browser to delete all past cookies and to disallow third-party cookies.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit https://www.youronlinechoices.com/uk/your-ad-choices. Alternatively, you can search the internet for other independent information on cookies.

If you delete cookies relating to this website, we will not remember things about you, and you will be treated as a first-time visitor the next time you visit the site/page/app.