Cookie Policy

Introduction to our use of  ‘Cookies’ and similar technology

Like almost every other website, Emoney Advice Limited (EmoneyAdvice.com) uses cookies and similar technologies to provide you with an enhanced user experience as well as allowing us to analyse and improve our site and services.   We would not be able to provide you with all of our services, including certain personalised features, without the use of cookies and related technology and as such, your computer, mobile phone, tablet or other enabled mobile device (which we refer to collectively in this policy as a “device”) will need to be set up to enable such technologies.

By visiting and continuing to browse our website, including, where appropriate, with your browser settings adjusted to accept cookies, you are consenting to our use of cookies, web beacons and related technologies to provide our site and associated services.

What do we mean when we use the term ‘cookie’, ‘web beacon’ or ‘similar technology’?

The following section provides you with general information on what the above terms mean, following on from which we will provide you with details of the cookies we use, who sets them and how they can be managed.

Cookies is a term used to describe is a small text file (typically made of letters and numbers) that is downloaded and stored on your browser or your device by websites that you visit. They are sometimes considered as forming part of the “memory” of your use of websites and related services as they allow service providers to remember you and respond appropriately.

Cookies are typically split into 2 main types, namely:

Session cookies. Session (or transient) cookies are stored in your device’s memory only for the length of time of your browsing session. They are not accessible after your browser session may have been inactive for a period of time and are deleted from your device when your browser is closed down.

Persistent cookies. Persistent (or permanent) cookies and stored in your devices’ memory and are not deleted when your browser is closed. Persistent cookies can helpfully remember you and your preferences each time you access our services.

We use both Session and Persistent cookies.

Cookies can also be further categorised as follows:

  • Strictly necessary cookies. These are cookies that are required for the necessary operation of our services.
  • Performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily. We use performance cookies.
  • Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  • Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can find more general information about cookies via the website:http://www.allaboutcookies.org.

Web beacons: the term ‘web beacon’ is used to describe an object embedded in a webpage or email. This object is typically invisible to you, but it permits us to confirm whether you have viewed the webpage and/or email (as the case may be). There are other names for ‘web beacons’ which you may come across – these include web bug, tracking bug, clear gif and pixel tag.

Other ‘similar technology’: there are also other methods that store information in your browser or your devices. It is likely, for example, that you have Adobe Flash installed on some of your devices. Sites that contain “Flash” may also store small files on your computer that are used in a similar way to cookies (sometimes referred to as “Flash cookies” or more generally as a “Locally Shared Object”). Flash cookies may also act as a back up to the information stored by other cookies and when you delete those cookies, your Flash cookies won’t necessarily also be deleted. This means that a website may still identify you if it backed up the deleted cookie information on a Flash cookie.

Our cookies list

Cookie Name  Category  Description  Duration 
wordpress_  Performance & Functional WordPress cookie for a logged in user.  Session
wordpress_logged_in_  Performance & Functional WordPress cookie for a logged in user.  Session
wordpress_test_  Performance & Functional WordPress cookie for a logged in user.  Session
wordpress_test_cookie  Performance & Functional WordPress test cookie  Session
wp-settings-  Strictly necessary WordPress also sets a few wp-settings-[UID] cookies. The number on the end is your individual user ID from the users database table. This is used to customize your view of admin interface, and possibly also the main site interface. 1 year 
wp-settings-time-  Performance WordPress also sets a few wp-settings-{time}-[UID] cookies. The number on the end is your individual user ID from the users database table. This is used to customize your view of admin interface, and possibly also the main site interface.  1 year 
PHPSESSID  Strictly necessary To identify your unique session on the website  Session
SESS  Strictly necessary To ensure that you are recognised when you move from page to page within the site and that any information you have entered is remembered.  Session
__utma  Performance This cookie keeps track of the number of times a visitor has been to the site pertaining to the cookie, when their first visit was, and when their last visit occurred. Google Analytics uses the information from this cookie to calculate things like Days and Visits to purchase.  Permanent
__utmb  Performance __utmb is a Google Analytics cookie. It takes a timestamp of the exact moment in time when a visitor enters a site.  Session
__utmc  Performance __utmc takes a timestamp of the exact moment in time when a visitor leaves a site.  30 minutes
__utmz  Performance Keeps track of where the visitor came from, what search engine you used, what link you clicked on, what keyword you used, and where they were in the world when you accessed a website. This cookie is how Google Analytics knows to whom and to what source / medium / keyword to assign the credit for a Goal Conversion or an Ecommerce Transaction.  6 months

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies. For example, you may notice that you see advertisements on our services of websites or services which may have been targeted to you. This is known as “online behavioural advertising” or “interest-based advertising” and it is a method used of displaying ads to you on the websites you visit with a view to making them more relevant to you and your interests.  This is done by grouping together share interests based upon your previous web browsing activity and then serving advertising which matches such matters. Other ads can also be delivered based upon the website content you have just been viewing. This is known as ‘retargeting’. More information on this type of advertising can be found by visiting: http://www.youronlinechoices.com/

Managing cookies

You can manage your cookies (including the enabling or disabling of cookies) by using your browser. For example, you block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including cookies that are strictly necessary) you may not be able to access all or parts of our Services.

Each browser is different and as such we suggest that you check the ‘Help’ menu on your particular browser (or your mobile phone’s handset manual) to learn how to change your cookie preference. You may also find more information on how to manage your cookies from third party websites (such as http://www.allaboutcookies.org/manage-cookies/) as well as third party apps (see for example, services like this ‘cookie manager’ app described via:https://chrome.google.com/webstore/detail/cookiemanager/kbnfbcpkiaganjpcanopcgeoehkleeck?hl=en).

Here are some links to popular browser cookie information pages which you might find helpful to assist in your cookie management

Internet Explorer

Safari

Google Chrome

Mozilla Firefox

Opera

Opting out of online behavioural advertising

If you would like to opt-out of online behavioural advertising, there are certain sites which permit the opting out from advertising of third party advertising companies that provide services to website publishers.

These sites include: http://www.youronlinechoices.com andhttp://www.networkadvertising.org/choices

Please note that opting out of online behavioural advertising using those services:

  • does not mean that the advertising of our products and services on our own websites or apps will stop being personalised to your interests
  • may not stop all online behavioural advertising because it only applies to those third party advertising agencies that have signed up to those services
  • does not mean that there will no more advertising on our website / app or other websites you access. However, the advertising that you do see is likely to be less relevant to your interests.

Please also note that deleting browser cookies can remove your opt out preferences, so you may need to opt out again.

Using social media via our Services

If you use the buttons via our services that allow you to share content with your friends and other contacts via social media networks like Facebook, these companies may set a cookie on your devices. We suggest that you review the privacy and related policies of such organisations. More information on some of the more commonly used platforms can be found by visiting:

Facebook

Twitter

LinkedIn

We hope the above has clearly explained how we use cookies and similar technologies as well as how you many manage such matters. While we have provided details of third party websites and services which we thought you may find useful, please note that we are not responsible for the content, functionality or services provided by such sites. If you have any further questions or comments about our use of cookies, please contact us at 454-458 Chiswick High Road, London W4 5TT.

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