Cookies are small text files, which often include a unique identifier that is sent by a web server to your computer, mobile phone or any other internet enabled device (“device”) when you visit a website. Cookies are widely used in order to make websites work efficiently and help provide us with business and marketing information to enable us to make informed decisions on the development of our websites. We may collect information about your computer, including your IP address, operating system and browser type, for system administration and in order to create reports. This is statistical data about our users’ browsing actions and patterns, and does not identify any individual.

We use three main types of cookies:

  • ‘Performance’ cookies
  • ‘Identification’ cookies
  • ‘Targeting’ cookies.

 

  1. ‘Performance’ cookies are used to help us see how you use our Website e.g. which pages you visit. These cookies don't collect any information that could identify you – all the information collected is anonymous and is only used to help us improve the performance of our Website, understand what interests our users and measure how effective our advertising is. We use performance cookies to analyse the performance of our Website, to help us improve the Website by measuring any errors that occur and to see how effective our adverts are (this isn’t shared with 3rd parties). Sometimes cookies are managed for us by third parties, but we don’t allow the third party to use the cookies for any purpose other than those listed above. By using our Website, you accept the use of ‘Performance’ cookies.
  2. ‘Identification’ cookies are used to help us customize website content based upon your selections. We use identification cookies to remember choices you have made such as identifying yourself as an IFA or Adviser, to show you when you’re logged in to the website and to target you with adverts on other websites. You can control whether or not these cookies are used, but preventing them may mean you are unable to access certain features or services. Preventing these cookies may stop us remembering that you didn't want a specific feature or service. By using our Website you accept the use of 'Identification' cookies.
  3. ‘Targeting’ cookies are used to send you relevant information and see which content you use. We use targeting cookies to send you customised news content via email, to track which content you use and to target you with adverts on other websites. By using our Website you accept the use of 'Targeting' cookies. There are third parties that provide Standard Life Foundation with content and functions on our Website, some of these providers will use cookies to ensure the particular areas on the Website work.

Why we use cookies

The information we collect

Most of the cookies we use record the pages of our site you visit and any interactive elements - such as forms or calculators - that you use.

We don't collect any information that can identify you personally. For certain sales and marketing processes, we may verify sales by recording a policy or sale ID number and time.

 

Opting out

At any point, you have the right to request that we do not process your personal information for any marketing purposes.

You can opt-out of the Google Display Advertising Features and customise Google Display Network ads using the Ad Settings. As an added privacy measure, you can also use the Google Analytics opt-out browser add-on. However, please note that if you do this you may not be able to use the full functionality of this Website.

To remove other cookies from your PC, you can use these guides:

Further information

We utilise a number of different cookie variations that serve a number of different functions. These tables identify the types of cookies that we use and why we use them.

Google Analytics Premium

This Website uses Google® Analytics Premium, a web analytics service provided by Google Ireland Limited (“Google”).  Google Analytics Premium uses “cookies”, which are text files placed on your computer, to help the Website interact with how users use the Website. On behalf of the operator of this Website Google will use this information for the purpose of evaluating your use of the Website, compiling reports on Website activity and providing other services relating to Website activity and internet usage to the Website operator. The IP address collected through Google Analytics will not be associated with any other data held by Google.

Google, Inc. is not affiliated with Standard Life Foundation.

Use of Google Analytics Premium

In order to improve our users’ experience, we may use Google Analytics features such as Remarketing, DoubleClick Campaign Manager Integration, Google Display Network Impression Reporting and/or Google Analytics Demographics and Interest Reporting (Google Display Advertising Features).

Information collected by our cookies will not personally identify you. It does, however, identify your computer and connection to the Internet. We only collect general information about your computer settings, connection to the Internet (e.g. operating system and platform), IP address, browsing patterns, and interactions within our Website.

We may use Remarketing with Google Analytics to advertise online. Third party vendors, including Google, may show our ads on various sites across the internet. They may also use cookies set by the Google Display Advertising Features to inform, optimise and determine which ads you see on our Website, including ads based on previous visits to our Website.

With regards to the Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration, we and any third party vendors, including Google, may use cookies set by the Google Display Advertising Features to analyse and report on ads used within our Website including, but not limited to, impressions created by the ads and how these interact with other ad features and services.

With regards to Google Analytics Demographics and Interest Reporting, we may use data from Google's Interest-based advertising and/or third party audience data (e.g. age, gender and interests) with Google Analytics to target and optimise our marketing campaigns, strategies and our Website content.

 

Cookies we use

These are the main cookies we use, and why we use them.

Essential cookies

These cookies make sure our website delivers information and services securely. Without them, you wouldn't be able to move around our website or use its features. You can’t opt out of using these cookies.

Cookie namePurposeExpires
Cell Name Lets us balance load across our servers After a short time or when you close your browser
Apache Supports a range of server requirements, allowing us to provide a robust service Five years
cookies Detects the use of cookies After a short time or when you close your browser
LtpaToken Lets us provide secure access to our online servicing area After a short time or when you close your browser
LtpaToken2
SBAAuthCookie
SBANavCookie
doccentre
CSRF
SLSSOCookie
lbcookie
JSESSIONID Remembers what you entered into a form After a short time or when you close your browser
SLG_SESSION
SLG_COOKIE_POLICY Records whether or not you have accepted the use of cookies on our site Two years
fundaccess_brand Allows us to amend the brand on the secure Standard Life Investments Limited ISA part of this site. After a short time or when you close your browser.
Cookie namePurposeExpires
adiV Sets a unique identifier which allows visitor behaviour to be tracked over time. After 1 year
adiVi Follows a visitor’s journey during a session on the website. After 30 Minutes
adiLP Tracks visitors who have multiple tabs open in the same browser to prevent errors in tracking. After 1 hour

 

We use performance analytics from Dynatrace

We use cookies from Dynatrace in order to help us understand how fast our site is performing for each user and to detect any errors that might occur. This helps us improve the website and ensure it operates as effectively and efficiently as it can.

The data captured is purely anonymous, capturing performance and error related data only.

It is not possible for us to turn these cookies off via the Opt-out method described below. If you want to manage these cookies, please refer to your browser’s help section or visit the aboutcookies website.

Cookie namePurposeExpires
dtCookie Collect performance information for Dynatrace, a system to track application performance and errors When browser session ends
dtLatC
dtPC
rxVisitor,
rxLatency
rxpc,
rxsession
rxvt

 

Cookie namePurposeExpires
dc_gtm_ Google Tag Manager. Used to manage all scripts on the website. After 10 minutes
_ga Tracking cookie for analytics.js. Used to distinguish users. After 2 years
_gat_UA Tracking cookie for analytics.js. Used to throttle request rate. After 10 minutes
_gaexp Used to determine a user's inclusion in an experiment and the expiry of experiments a user has been included in. Depends on the length of the experiment, typically after 90 days

We use session recording tools provided by FullStory

FullStory sets a cookie to better understand how visitors use our site so we know what to improve. We use this cookie to record things like pages visited, links clicked, non-sensitive text entered, and mouse movements, as well as information more commonly collected such as the referring URL, browser, operating system, cookie information, and Internet Service Provider.

The FullStory cookie is anonymous, doesn’t contain sensitive information and isn’t used for third-party tracking purpose. It exists solely to piece together your visits to our site.

Find out more about the data collected by Fullstory.

If you would like to opt-out of FullStory, please select "I do not accept cookies" at the top of this page.

Cookie namePurposeExpires
fs_uid FullStory recording cookie. Used to distinguish users. No expiry

Flash cookies

We use Adobe Flash Player to play some videos on the site. We also use it for some of our calculators and tools. Flash cookies (also known as Local Shared Objects) are stored on your computer in the same way as other cookies. Flash cookies are managed slightly differently and can’t be deleted manually from your browser.

How to disable Flash cookies

To disable or delete Flash cookies, visit the Adobe website for instructions. If you disable Flash cookies you won’t be able to access any Flash content, including video and some of the tools on our site.

Anonymous analytics cookies

These help us measure how our websites are used. They tell us which pages are being viewed and how many visitors are interacting with the website.

Cookie namePurposeExpires
WT_FPC Monitors and measures visitor numbers and how long visitors spend on the site Two years
ACOOKIE Three years

We use analytics tools provided by Silverpop

Silverpop cookies track a users journey through the site from an email.
You can find more information about the data collected on the Silverpop Privacy Policy.
The Silverpop implementation on this site uses third party cookies to correlate site usage data with broad and personally identifiable customer segments for the purposes of reviewing on-site usage and optimising user experience.
If you would like to opt-out of this tracking by third party cookies, please select "How to disable cookies that have been set" at the top of this page.

Web Tracking cookies

Cookie NameDescriptionExpirationExample
com.silverpop.iMAWebCookie Visitor key assigned by Engage 1000 days 4e406538-56c6-b512-bd18-d558c2757ac9
com.silverpop.iMA.page_visit Site visit session which logs a "Site Visit" event 20 min 1835678874,
com.silverpop.iMA.session Page view session which logs a "Page View" event 20 min 870823bd-2235-29c2-2873-a282a0273685

Clickstream link cookies

Cookie NameDescriptionExpirationExample
com.silverpop.iMA.jid Job ID of the sent mailing, which is generated from the "spJobID=" parameter in clickstream query string Browser session end 383403270
com.silverpop.iMA.mid Mailing ID of the sent mailing, which is generated from the "spMailingID=" parameter in clickstream query string Browser Browser session end 45204921
com.silverpop.iMA.rid Report ID of the sent mailing, which is generated from the "spReportID=" parameter in clickstream query string Browser session end MzgzNDAzMjcwS0
com.silverpop.iMA.uid Recipient ID of the visitor, which is generated from the "spUserID=" parameter in clickstream query string Browser session end NDUzODM5MjY0MzES1

Web beacons

Web beacons - also known as clear GIFs or page tags - are small transparent images which are embedded within the web page.

Web beacons send information about your visit to us, and to other companies whose services we use. This is combined in reports with information about other visitors.

Web beacons can be used in conjunction with cookies. If you opt-out of cookies, the web beacons will be limited to reporting on anonymous details of the device being used and the web pages visited.

Web beacons aren’t stored on your computer in the same way cookies are, so you can’t control them using your browser settings.

DoubleClick

If you click through to a Standard Life page from a sponsored search term or aggregator site, DoubleClick from Google records this.

We use the information to improve our advertising and learn about visitor behaviour - for example, what kind of content is useful and whether sales are made. We don’t collect information which could personally identify you.

Cookie namePurposeExpires
id Supports our sponsored search and other online advertising using Google Two years

Google publishes detailed information about DoubleClick and other online advertising technologies, their privacy practices and how to prevent companies from sending and reading cookies on your computer. Visit the Google privacy website.

eGain

eGain cookies are applied when using the LiveChat service on our secure site. The information collected is used to provide, maintain, and protect the service as well as improve the user experience of LiveChat. You can find out more about the data collection within the eGain Privacy Policy.

Cookie namePurposeExpires
Egofrreferrer Used to store referrer when the domain of the referrer is changing. Session
EG_CUST_SEC Setting to indicate if customer configurations is secure or non-secure Session
JSESSIONID Used to identify sessions. Session
EG-U-ID user identifier One year

 

Advertising and sharing

Our third party cookies do not collect any information or details which affect the content you see on this Standard Life website. These cookies can’t personally identify you.

Online adverts

Standard Life 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, optimise advert placement and tailor online adverts based on your online interactions with Standard Life, content partners and online adverts. At no point are any details collected that could personally identify you.

On a typical online advertising banner you can click the industry standard AdChoices 'I' icon. This will give you more information about online adverts and tell you how to change your settings. Visit AdChoices for more information.

Cookie issuerCookie namePurposeExpires
mookie1.com OAX Privacy policy and opt out 13 months
id 13 months
mdata 13 months
Tribal Fusion ANON_ID Privacy policy and opt out 90 days
AppNexus anj Supporting online advertising using App Nexus 90 days
sess One day
uuid2 90 days
UG Five years

Partner online sales channels

Many businesses offer their products through partner aggregator or affiliate websites - such as insurance comparison sites.

When a sale is processed on a partner or affiliate basis it needs to be tracked. A cookie is used to accurately verify all sales, attribute them to the correct partner site and improve the sales experience for future visitors.

This cookie collects information on the sale, including time, date, referring site ID, random identifier and sometimes a policy ID and value. This information is only used to verify sales by the affiliate sites and Standard Life; it does not personally identify you.

You can remove these cookies through your browser settings, but this isn’t recommended.

Online sharing using AddThis

Cookies may be used by our online sharing tool AddThis. This tool appears on a number of webpages from Standard Life. It lets visitors share our information, tools, and other content with social networks and other sites. AddThis uses information in cookies to tell people where you have come from so it can provide profile updates or links to pages of interest. The information collected does not store any details which could personally identify you.

You can change your cookie settings for AddThis from the AdChoices "I" icon within the AddThis tool anywhere online, or visit the AddThis opt-out page.

Cookie namePurposeExpires
__atuvc Supporting online sharing tool AddThis Two years
psc Two years
uid Two years
uit One day
uvc Two years

Online surveys

To make sure we are meeting expectations and to find out how we can improve experiences, we use an online survey tool called ServiceTick. This uses a cookie to ensure visitors are surveyed appropriately.

Cookie namePurposeExpires
sc.ASP.NET_SESSIONID To improve our website and call centre experience, we may use a tool called ServiceTick. This lets us measure user experience and satisfaction using online surveys. Cookies are used to help the tool function and to monitor user interaction of the tool. No details are collected which could personally identify you. After a short time or when you close your browser

Previews of our ideas and new tools

As part of our on-going commitment to improving your online experience we offer a ‘Labs’ service for certain products. Customers who are eligible to participate are invited to do so and we need a cookie to log their preference.

Cookie namePurposeExpires
SLG_CP_POLICY Holds flag to indicate if customer has expressed that they wish to use test labs. Also holds the version number of the test lab experiment when the customer made this choice. Two years

 

More information

Changes to this policy

Please be aware that this Policy may be updated at any time. As such, please ensure that you regularly read the latest version of this page.

Questions

If you have any questions or complaints relating to our cookie policy or how we use the personal information we have about you, please contact us and we will try to respond to you promptly.

Glossary

A cookie is information that a web server stores on your hard disk so that it allows a website to store your preferences on your machine and later retrieve it.

An IP address is a 32-binary digit number that identifies each sender or receiver of information that is sent in packets across the Internet.

A session is a series of interactions between two communication end points that occur during the span of a single connection and is related to a particular session number.