Cookie Policy

A cookie is a small file.
It's saved onto your computer or other device when you visit our website.

Your cookie settings on this site

You have chosen to accept cookies. You can make changes to this decision below.

What are cookies?

A cookie is a small file – it’s saved onto your computer or other device when you visit our website.

Cookies store small pieces of information. For example - they will remember you've visited our site or performed a certain action.

We use cookies to help us improve your experience when you visit our website. For example, a cookie might store information so you don't have to keep entering it.

Cookies also let us know which pages of our site you visited; they help us develop and market our products and services. They also help us track sales.

  • Persistent cookies - these stay valid, and will work until their expiry date (unless you delete them before they expire)
  • Session cookies - these expire when you close your web browser

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. They can also record information on the visit date and time as well as internet browser and the device you use to access the site.

We collect unique customer identifiers for certain sales and marketing processes, we may verify sales by recording a policy or sale ID number and time.

How we use this information

We use cookie information to find out how our website is being used and we may use them to tailor your online journey.

We can learn which pages are being viewed and how many visitors are using the different sections of the site. This information helps us understand how useful the site is to our visitors, and how we can keep improving. We may also use information about your browsing activity to tailor your online journey and content.

We use session cookies for some secure online customer services. These cookies let us make the login process easier and more secure. We might also use a session cookie to pre-populate your details on one of our online forms.

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 name Purpose Expires
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 name Purpose Expires
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 name Purpose Expires
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

 We use analytics tools provided by Google

Google analytics cookies track the number of unique users of the site.

You can find more information about the data collected on the Google Analytics Privacy Policy.

The Google Analytics implementation on site uses third party cookies to correlate site usage data with broad, non-personally identifiable customer segments for the purposes of reviewing on-site usage and optimising user experience.

For more information, please review the following information from Google.

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

Cookie name Purpose Expires
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

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 name Purpose Expires
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 Name Description Expiration Example
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 Name Description Expiration Example
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 name Purpose Expires
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 name Purpose Expires
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 issuer Cookie name Purpose Expires
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 name Purpose Expires
__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 name Purpose Expires
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 name Purpose Expires
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


Changing your cookie settings

When you opt-out of using cookies on this site, and after you refresh or move away from this page, we will stop setting or using the analytics and other non-essential cookies described.

Web Beacons may continue to be used on this site, but they won't be able to set or read any cookies. Web Beacons will be limited to reporting on anonymous details about the device being used and the web pages visited. No personally identifying information will be sent.

How to disable cookies that have been set

You can disable and remove the cookies if your browser supports this. To check and update your cookies settings, you will need to know what browser you are using and what version you have. You can usually find this out by opening the browser, then clicking on 'Help' and then 'About'. This will give you information about the browser version you are using.

To manage your cookies, refer to your browser’s help section or visit the aboutcookies website.

Remember, if you amend your cookie settings, your browsing experience may change for the worse. For example, if you have set preferences on a website - such as your location for local news or weather forecasts - it will no longer remember these.

More information - Changes to this policy

We occasionally update our cookie policy. You should visit this page periodically if you want to keep yourself informed. Last updated on 28 April 2016.