Cookie Policy

Cookie policy and agreement

This notice explains how we use cookies and similar technologies on our websites and mobile applications to help provide you with the best possible online experience. New regulations will change the way in which the use of cookies is governed in the future and we’ll update this notice once those changes come into effect.



You can visit our website without telling us who you are or revealing any information about yourself. However, if you do give us any personal information about yourself or others, we promise to treat it securely, fairly and lawfully.
We are committed to protecting your privacy. When we ask you for personal information online, it will only be in response to you actively applying for or using one of our online products or services.
If you are giving us information for the first time, we shall explain the purposes for which we shall use it at that time.
If you are a client already, this explanation will be in our customer Privacy Notices, which you can find on our individual brand websites listed at the bottom of this page.
We may use personal information you provide for the purpose of providing more relevant content to you.


Cookies – what are they?

A “cookie” is a small text file that’s stored on your computer, tablet or phone when you visit a website. Some cookies are deleted when you close down your browser. These are known as session cookies. Others remain on your device until they expire or you delete them from your cache.  These are known as persistent cookies and enable us to remember things about you as a returning visitor. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit Alternatively, you can search the internet for other independent information on cookies.


Cookies – how we use them

If you delete cookies relating to this website we will not remember things about you, including your cookie preferences, and you will be treated as a first-time visitor the next time you visit the site. We use cookies (and other similar technologies) to:

  • Provide products and services that you request and to provide a secure online environment
  • Manage our marketing relationships
  • Give you a better online experience and track website performance
  • Help us make our website more relevant to you

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


Cookies that are essential for us to provide a product or service you have requested and to provide a secure online environment

Without cookies we are unable to provide some products or services that you might request.  Other ‘essential’ cookies keep our website secure.  Even if you say “No” to cookies on this website we’ll continue to use these ‘essential’ cookies.

Essential cookies are used to:

  • deliver interactive services, such as:
    • product applications
    • maintain online security and protect against online fraud
    • record your preference regarding our use of cookies on your device


Managing our marketing relationshipS

Our third party marketing partners may set cookies before you reach our site.  If you wish to prevent this type of cookie (sometimes known as a ‘third party’ or ‘analytical’ cookie), you may do so through your device’s browser security settings. You’ll sometimes see our advertising or special offers on other websites. Cookies provided by the other website or advertising network can tell us how effective this is. 
For example, if you click on one of our advertisements, the website owner might use a cookie to tell us that you came from their site.


Giving you a better online experience and tracking website performance

You’ll still be able to use most of our online services, but some things might not work as you may expect if you do not allow us to store and access cookies on your device. These cookies make our online services easier to use and help us to understand how people use our websites. For example, amongst other things they will: 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 We also use this type of cookie to understand 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 use.


Helping us make our website more relevant to you

Enabling us to customise your online experience based upon your individual circumstances, existing product holdings or activities during previous visits to this website.  If you select “DECLINE” on the bottom banner, we won’t be able to tailor your experience.


IMPORTANT: COOKIES USED IN THIS WEB SITE - By using this site, you accept the use of these cookies.

Necessary cookies help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies. By using this site, you accept the use of these cookies.

Preference cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in. By using this site, you accept the use of these cookies.

Statistic cookies help website owners to understand how visitors interact with websites by collecting and reporting information anonymously. By default  using this site, you accept the use of these cookies, but you can disable this category on the cookie banner in every page of this website.

Marketing cookies are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third party advertisers. By default  using this site, you accept the use of these cookies, but you can disable this category on the cookie banner in every page of this website.


Are you happy for us to use cookies?

Some features that are designed to give you a better online experience only work if we use cookies. You can change your mind at any time but, for now, are you happy for us to store and access cookies on your device for the purposes described? You can find more information about cookies, and how to block or delete them, at

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