What are cookies?

A cookie is a simple text file which stores small pieces of information. When you visit one of our websites its server saves the cookie onto your computer or other device. Only that platform’s server will be able to read or retrieve the contents of that cookie.

Cookies do many different jobs like storing your preferences, helping you navigate effectively, and improving your overall experience of a website. Cookies make the interaction between you and our platforms quicker and easier. For example, a cookie might store information so you don’t have to keep entering it.

How does Standard Life use cookies?

Some cookies are needed to make our platforms work and can’t be turned off. Others are optional and you can change your preferences below. You can update your choice at any time by clicking the ‘cookie policy’ link at the bottom of any page.

Cookie preferences

How long are cookies saved for?

This depends on whether they are session cookies or persistent cookies.

Session cookies delete themselves once you close your browser. Session cookies can help with security, and also remember what you’ve done on previous web pages so you don’t have to re-enter information.

Persistent cookies stay on your device after you close your browser. They’re used for lots of different things – one example is remembering your cookie preferences between visits, so you don’t need to keep telling us which cookies to use. In case you’ve forgotten about them, or changed your mind, we’ll ask you to confirm your cookie preferences every six months. You can update your choice at any time by clicking the ‘cookie policy’ link at the bottom of any page.

 

What types of cookies does Standard Life use?

We use both first and third-party cookies on this site.

First-party cookies are set by the digital platform you’re using and aren’t shared elsewhere. Often these cookies are used to remember information about how you used a platform.

Third-party cookies are placed on your device by a website outside the one you’re on. For example, if you use a social media ’share’ button on a website, the social network (like Facebook) will put a cookie on your device so they know what you’ve liked. If you want to control how third parties can use your data then you need to set your privacy choices on their site. Here’s a list of third parties we work with in relation to cookies:

  • Adalyser – Adalyser is an analytics platform used to measure the response to TV advertising.
    Adalyser privacy policy
  • AWS – These are Amazon Web Service cookies used by our virtual chat provider EGain in order for the chat to function.
    EGain cookie policy
  • Facebook – We use Facebook cookies to help target messages that might be relevant to you. These are classed as marketing cookies.
    Facebook privacy policy
  • Glassbox – Glassbox is a web analytics service. We use these cookies to understand how users interact with our site. These cookies give Glassbox information used to compile anonymised reports summarising website activity. The IP address collected through Glassbox will not be associated with any other data held by Glassbox Digital. No other personal information, which allows the user to be identified, will be collected when visiting this website. These cookies are classed as Experience & Insight.
    Glassbox privacy policy
  • Google – We use Google cookies for advertising purposes so that we can make our adverts more relevant to you and also so we can understand if our marketing is effective. Google’s third-party cookies are classed as marketing cookies.
    Find out more about how Google uses this information
  • LinkedIn – LinkedIn is a business and employment-focused social media platform that works through websites and mobile apps. The company is owned by Microsoft.
    LinkedIn privacy policy
  • MiQ – They use data analytics to help their clients (advertisers, media agencies, brands) advertise their ads on various websites that allow third-party advertising. They develop insights into the browsing behaviour of website users for their clients to develop targeted digital advertising campaigns for their clients that create a better user experience.
    MIQ privacy policy
  • Microsoft – Microsoft owns Xandr, a company that provides an advertising technology designed to use information on Internet users that cannot identify them “in the real world”. We use Xandr cookies as part of our digital advertising, to make our adverts more relevant and understand their impact. These are third-party cookies, set on the adnxs.com domain, and are classed as marketing cookies.
    Xandr cookie policy

    Microsoft also owns the search engine Bing.com and we use Bing cookies to serve adverts to users on this search engine.
    Microsoft privacy policy
  • Silverpop – Silverpop is managed by IBM. Silverpop cookies track a user’s journey through the site from an email. They are classed as Experience & Insight cookies.
    IBM privacy policy
  • X – We use X cookies to help target messages that might be relevant to you. These are classed as marketing cookies.
    X privacy policy

The cookies we use

Strictly necessary cookies

Cookie name Purpose Expires
CSRF Lets us provide secure access to our online servicing area Session
SLSSOCookie Lets us provide secure access to our online servicing area Session
SLG_CP_AUTH Lets us provide secure access to our online servicing area Session
JSESSIONID Lets us provide secure access to our online servicing area and identify session Session
agent-authn-tx Lets us provide secure access to our online servicing area 5 minutes
ARRAffinity Lets us provide secure access to our online servicing area Session
TS0* ASM - WAF (part of the websites security / firewall protection) Session
sl#cookiepreferences Standard Life - Records whether or not you have accepted the use of cookies on our site 6 months
sl#termsandconditions Standard Life - Records whether or not you have accepted the terms and conditions of the retirement income tool 31/12/9999
sl#feedback Standard Life - Records whether or not you have closed (unpinned) the feedback tab Session
incap_ses_*

Incapsula DDoS Protection and Web Application Firewall:

cookie for linking HTTP requests to a certain session (AKA visit).

Re-opening the browser and accessing same site are registered as different visits.

In order to maintain existing sessions (ie, session cookie)

Removed after browser closes
visid_incap_*

Incapsula DDoS Protection and Web Application Firewall:

cookie for linking certain sessions to a specific visitor (visitor representing a specific computer). In order to identify clients that have already visited Incapsula. The only cookie that is persistent for the duration of 12 months.

Persistent for 12 months
nlbi_*

Incapsula DDoS Protection and Web Application Firewall:

Load balancing cookie. To ensure requests by a client are sent to the same origin server.

Removed after browser closes
___utmvc

Web Application Firewall:

To save the result of the clients (end users) Javascript classification.

In order to identify whether the end user is a browser, application or a bot.

Session
portfolioAnalyserTool Records acceptance of user acceptance of website Terms and conditions After a short time or when you close your browser
ADRUM* AppDynamics - website server performance monitoring to help correlate browser data with server performance data 30 seconds
SameSite AppDynamics - website server performance monitoring to help correlate browser data with server performance data 30 seconds
AEC AEC cookies ensure that requests within a browsing session are made by the user, and not by other sites. These cookies prevent malicious sites from acting on behalf of a user without that user’s knowledge 6 months
auth-jwt Lets us provide secure access to our online servicing area Session
appId Used to provide secure access to our AMPP journey Session
AWSALBCORS This is an AWS load balancer managed session affinity cookie 7 Days
AWSELBCORS This is a session cookie set by AWS load balancer for session stickiness. 7 Days
smartbanner-installed Records if you have chosen to get the SL app. one month
smartbanner-closed Records if you have closed the app smart banner. One month
RAT Allows you to stay signed in when using the Raindrop service One month

Experience and insight cookies

Cookie name Purpose Expires
dtCookie Dynatrace - Tracks a visit across multiple requests One Day
dtLatC Dynatrace - Measures server latency for performance monitoring One Day
dtPc Dynatrace - Required to identify proper endpoints for beacon transmission; includes session ID for correlation Session
dtSa Dynatrace - Session timeout One month
rxvisitor Dynatrace - Visitor ID to correlate sessions Two Years
rxvt Dynatrace - Session timeout Session
_ga Google Analytics - Used to distinguish users Two years
_gali Google Analytics - Used to distinguish users Session
_gid Google Analytics - Used to distinguish users 1 day
_gat_UA-218278-25 Google Analytics - Used to throttle request rate 1 minute
_dc_gtm_UA-218278-25 Google Tag Manager. Used to manage all scripts on the website 1 minute
_gat_UA-218278-20 Google Analytics - Used to throttle request rate 1 minute
_dc_gtm_UA-218278-20 Google Tag Manager. Used to manage all scripts on the website 1 minute
_gat_UA-218278-52 Google Analytics - Used to throttle request rate 1 minute
_dc_gtm_UA-218278-52 Google Tag Manager. Used to manage all scripts on the website 1 minute
_ga_JV41FVKP0L Used to persist session state 2 years
_ga_25VT30YKD7 Used to persist session state 2 years
_cls_s
ROUTEID
rto
_cls_cfgver 
Glassbox - Glassbox is a web analytics service. We use these cookies to understand how users interact with our site. These cookies give Glassbox information used to compile anonymised reports summarising website activity. The IP address collected through Glassbox will not be associated with any other data held by Glassbox Digital. No other personal information, which allows the user to be identified, will be collected when visiting this website. Session
_cls_v Glassbox - Glassbox is a web analytics service. We use these cookies to understand how users interact with our site. These cookies give Glassbox information used to compile anonymised reports summarising website activity. The IP address collected through Glassbox will not be associated with any other data held by Glassbox Digital. No other personal information, which allows the user to be identified, will be collected when visiting this website. 5 years
com.silverpop.iMAWebCookie Silverpop - Visitor key assigned by Engage 1000 days
com.silverpop.iMA.session Silverpop - Page view session which logs a "Page View" event 20 min
com.silverpop.iMA.page_visit Silverpop - Site visit session which logs a "Site Visit" event 20 min
_ga_* Used by Google Analytics to store and count page views 1 year
Silverpop_cookie Tracks your journey through the site  Session
_ga_XCLD3G7RVW Used to persist session state 2 years
__adal_ca Adalyser – this cookie stores which advertising campaign drove a user to visit 6 months
__adal_cw Adalyser - this cookie ties back conversion events to earlier visits 7 days
__adal_id Adalyser – this cookie is used to uniquely identify a device 2 years

Marketing cookies

Cookie name purpose Expires
_uetsid Bing (owned by Microsoft) - used by Bing Ads to store and track visits across websites 1 day
_uetvid Bing (owned by Microsoft) - used by Bing Ads to store and track visits across websites 13 months
MSPTC Bing (owned by Microsoft) - used to serve relevant adverts to users 6 months
_fbp Facebook - used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers 3 months
_gcl_au Google AdSense - takes information in ad clicks and stores it in a first-party cookie so that conversions can be attributed outside the landing page. 3 months
_gcl_dc Google DoubleClick - this is used to enable analytics and advertising across a range of Google ad platforms 90 days
1P_JAR Google - this cookie carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website. Used for targeting / advertising campaigns 1 month
ANID Google - this cookie carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website. Used for targeting / advertising campaigns One year
CONSENT Google - this cookie carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website. 18 years
DV Google - targeted marketing 5 mins
IDE Google - used for Google advertising 13 months
NID Google - this cookie is set by DoubleClick (which is owned by Google) to help build a profile of your interests and show you relevant ads on other sites. 6 months
OTZ Google - OTZ is a cookie used by Google Analytics that provides an aggregate analysis of Website visitors 30 days
receive-cookie-deprecation Google - part of a Google Chrome experiment to identify if a user's browser is in specific test groups within Chrome’s Privacy Sandbox initiative. Websites must opt-in to use it. The cookie tracks group participation (e.g., "example_label_1") and it will be discontinued after the experiment. 6 months
SOCS Google - used to store a user’s state regarding their cookies choices 13 months
test_cookie Google - used to make Google Ads work 15 mins
AnalyticsSyncHistory LinkedIn - used by LinkedIn to store information about the time a sync took place 30 days
bcookie LinkedIn - used to identify devices accessing LinkedIn 1 year
li_gc LinkedIn - used by LinkedIn to store consent of guests regarding the use of cookies for non-essential purposes 6 months
LinkedIn Insight Tag LinkedIn - a snippet of JavaScript code that loads a small library of functions you can use to track Linkedin ad-driven visitor activity 7 days
lidc LinkedIn - used by Linked in to facilitate data centre selection 1 day
li_sugr LinkedIn - used by LinkedIn to identify users 3 months
UserMatchHistory LinkedIn - LinkedIn Ads ID syncing 30 days
MUID Microsoft - used by Microsoft Clarity to store and track visits across websites 13 months
MiQ Pixels
1758892
1758893
1748894
The Pixel is a snippet of code that allows us to track ad-driven visitor activity on our website.
The pixel is used to remember user preferences, provide users with offers that may be of interest to them, measure the effectiveness of advertising campaigns and to personalize online content.
This pixel may be used to track individuals across different devices.
7 days
Customisation This cookie is installed to set up attribution of the visits of the user in order to serve relevant personalised content 6 months
_twitter_sess X - this cookie contains tracking information that X uses to improve their services and personalise Session
Ct0 X - set due to X integration and sharing capabilities for social media Persistent
Guest_id X - used to assist with targeting and bidding across their ad platform 1 year
Lang X - This cookie is set due to X integration and sharing capabilities for the social media Session
Personalization_id X - This cookie contains tracking information that X uses to improve their services and personalise ads 1 year
anj Xandr (owned by Microsoft) – used to show relevant digital adverts to users 90 days
uuid2 Xandr (owned by Microsoft) – used to show relevant digital adverts to users 90 days
XANDR_PANID Xandr (owned by Microsoft) – used to distinguish browsers and devices 6 months
optimizelyEndUserId Optimizely lets us test different bits of content or different page designs to see what works best in terms of engagement, so that we can make the right decision before implementing a change for everyone. This cookie stores a visitor's unique Optimizely Experimentation identifier. It is a combination of a timestamp and a random number. 6 months
AWSELB This is another Optimizely cookie. Only a small percentage of people will see it (less than 10% of visitors to our site). The cookie is used to collect performance data to make sure Optimizely is working correctly – no personal data is collected. Session
optimizelyRumLB This is another Optimizely cookie. Only a small percentage of people will see it (less than 10% of visitors to our site). The cookie is used to collect performance data to make sure Optimizely is working correctly – no personal data is collected. Session

How do I manage cookies?

When you turn off any non-essential cookies, and after you refresh or move away from this page, we will stop setting or using those cookies.

Cookies and your browser settings

You can use your browser settings to delete Cookies that have already been set at any time. You can also use your browser settings to manage Cookies to switch off a Cookie altogether. If you do this, it could mean that we can't use strictly necessary Cookies properly and so parts of our website may not work correctly.

For more information about how to use your browser settings to clear your browser data or to manage Cookies, check your browser ‘Help’ function.

Blocking or restricting Cookies

You can stop Cookies being used on your device by activating the setting on your browser that allows you to block the deployment of all or some Cookies. To find out how, visit all about cookies.

Please note, if you use your browser settings to block Cookies you may not be able to access all or parts of our website.

It is also important to know that rejecting Cookies will not delete any Cookies that have been saved to your device in the past. You can delete previously saved Cookies via your browser settings.

 

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 6 May 2024.

Contact Information

We welcome your comments about this policy. DataProtection@thephoenixgroup.com .