Cookie Policy

How we use Cookies

Our cookie policy explains how we use cookies and other internet tracking software. It also explains the choices you can make about whether we can put some types of cookies on your computer or mobile device.

Data we collect will be held by Bibby Financial Services. We use this data to:

  • Protect you from fraud and improve security.
  • Understand how people use our website so we can improve it.
  • Decide which of our products and services may be relevant for you.
  • Tailor the marketing you see on social media, apps and other websites.

We may share this data with outside organisations. Some of them may place their own cookies on your device when you visit our website. You can find out more about how we share data in our Privacy notice.

First party cookies are set by websites you go to.

Third party cookies are set by outside organisations. For instance, you may be on a website that has ‘Like’ and ‘Share’ buttons for social network sites. If you click one, the social network site will put a ‘third party’ cookie on your device. That cookie may then collect data about you and send it to them too. You will need to set your privacy choices on their site, to tell them how they can use your data.

We use our own cookies and others from companies we work with such as social media, search engines, other advertising networks, and our business partners.

What are they?

Cookies are text files that can be placed and stored on your computer’s hard drive by the Website owner / web server when you visit a website. Cookies enable users to navigate around websites, record which areas have been visited and for how long to help the browsing experience. Where appropriate they also enable us to tailor the website’s content to fit the needs of visitors who have accessed the Website in the past. You can find more information about cookies at: allaboutcookies.org and youronlinechoices.eu.

Why do we use cookies?

We use cookies: to monitor and manage website traffic; if required as a matter of law or regulation, to protect our or our other customers’ rights; for login purposes; to enable us to remember preferences, track visitors; and to make the browsing experience on the website more efficient and enjoyable for the visitor. We use both our own (first-party) and partner companies' (third-party) cookies to support these activities. Allowing us to create a Cookie does not allow us to access your computer or your personal data and we do not use Cookies to track your internet usage or serve targeted advertising after you leave the Website.

What cookies do we set?

Essential Cookies

These cookies are necessary for the website to function and cannot be switched off in our systems. These cookies do not store any personally identifiable information.

Performance Cookies

Our website uses third-party cookies to help us understand how our site is used, including number of visitors, how frequently pages are viewed and if users experience any errors. This helps us to provide you with a better on-site experience. The information collected by us includes IP address, pages visited, browser type and operating system. They include:

  • Google Analytics

    Purpose: This site uses Google Analytics which uses cookies to help us analyse how our visitors use the site e.g. how long users spend on the site, the pages users visit and the completion of online forms. This enables us to create engaging online content for our visitors.
    Cookie Name: _ga, _gali, _gat_UA-227341-1, _gid
    Validity Period: Up to 2 years
  • Siteimprove

    Purpose: We use these cookies to provide us with intelligence on how customers navigate through their online journey highlighting areas that may need to be improved and thus providing a better online experience.
    Cookie Name: nmstat, siteimproveses
    Validity Period: Up to 3 years
  • Ruler Analytics

    Purpose: Cookies from Ruler Analytics create different telephone numbers on our website pages depending on where the source of the visitor has come from. This allows us monitor and analyse the effectiveness of our online marketing spend.
    Cookie Name: __racnt, __rafm, __rasesh
    Validity Period: Up to 3 years
  • Visual Website Optimiser (VWO)

    Purpose: These cookies allow us to test the performance of different webpages to see if one page is easier for the customer to find information and make contact with us compared to another page.
    Cookie Name: _vwo_uuid_v2
    Validity Period: 1 year

None of our cookies collect personal information from our visitors.

Functionality Cookies

Our site uses these cookies to help provide additional functionality for our users. This includes the ability to interact with us via Live Chat and the use of personalisation to tailor our content to your needs as you browse the site.

Marketing Cookies

We use marketing cookies and third party cookies to track visitors across websites. This allows us to display more relevant ads for the individual user according to their preferences.

If you use social media sign-on, such as Facebook, you will be able to share information between us and the social media site you have selected. You can always de-link your social sign-in if required. When you share stories using social media, for example Twitter, the social media company will drop cookies and identifiers to track this interaction.

Managing cookie choices in your browser

You can turn off or delete cookies in your browser. If you do this, it may affect sites that use similar cookies to us.

Cookie choices you set in your browser replace any you set on a single website. For example, if you use an ad blocker on your browser, you won't see adverts that are tailored to you, even if you have turned on marketing cookies.

Find out how to manage cookies in common browsers on the Information Commissioners’ Office (ICO) website.

You can manage your cookie selections on our website by updating your cookie preferences here.


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Talk to a member of our team today on  0808 196 1692

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