Standard Life group websites use cookies. A "cookie" is a piece of information that is saved to the hard drive of your computer and "remembers" information about the configuration of your computer.

We use this information to track your movements through our websites to find out how they are being used and assess their usefulness. Personal information about you is not collected during the tracking process.

We also use persistent cookies if you have registered for any of our online services. These cookies allow us to make the logging-in process easier and more secure. They will also pre-populate your details should you need to complete one of our online forms.

You can disable the cookies that we attach if your browser supports this. For further information on how to do this, please refer to www.aboutcookies.org. However, you should bear in mind that if you exercise this option, you may be unable to use some of our online services.

Standard Life group may use third-party advertising companies to place advertisements about our products and services on other websites. The advertising companies may use cookies to measure advertising effectiveness and offer selective advertisement content. The advertising companies may use anonymous information about your visits to our and other websites, but nothing that personally identifies you. Just visit the site at http://www.doubleclick.com/us/about_doubleclick/privacy/ if you would like more information about the advertising companies we use, their privacy practices, or to prevent them from sending and reading cookies on your computer.