Cookie policy

  • Cookies

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.

Cookies work in two main ways:

  • 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 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.

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
SLG_COOKIE_POLICY Records whether or not you have accepted the use of cookies on our site Two years
TSnnnnnn Part of ensuring security on our site After a short time or when you close your browser
slssocookie Lets us provide secure access to our online servicing area After a short time or when you close your browser

Functional cookies

These cookies help us to provide personalised and relevant content on our website and via other interactions with you such as email. These cookies can be turned off below, but this might impact how easy the site is to use.

Cookie name Purpose Expires
interactSessionId Helps provide personalised content on our website 30 minutes after you close your browser/window tab
interactVisitorId Helps provide personalised content on our website Two years
CSRF For security purposes. Mitigates risk of cross site request forgery After a short time or when you close your browser
SLG_CP_AUTH Required for authentication After a short time or when you close your browser
SL_HUB Required for navigation After a short time or when you close your browser

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.

We use website analytics tools provided by WebTrends, Maxymiser and IPFingerprint - that provide monitoring, analysis and optimisation services. WebTrends, Maxymiser and IPFingerprint cookies track the number of unique users of the site and their behaviour, but they don't allow us to identify any individuals.

You can find more information about the data collected on the WebTrends, Maxymiser and IPFingerprint websites.

Cookie name Purpose Expires
WT_FPC Monitors and measures visitor numbers and how long visitors spend on the site Two years
ACOOKIE Three years
mmcore.pd Used to store anonymous identifiers. They enable the optimisation platform to remember a visitor and to serve them with the appropriate content while ensuring a fast load of the web page. Persistent
mmcore.srv Persistent
mmcore.tst Used by the platform as a test to see whether or not browser settings allow cookies to be set on the end-user machine. Session
Mmpa.tst Session
Mm_[description] Custom cookies are sometimes required to deliver particular functionality on our website. When we do this we prefix them with mm_ Persistent/ Session

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

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.

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

We use analytics tools provided by Silverpop

Silverpop cookies track a user’s 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 view the "How to disable cookies that have been set" information on 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

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
Your cookie settings on this site

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.

Please confirm your change. After you move away from or refresh this page your settings will be saved. You can change your cookie settings at any time.

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 December 2015.

Contact Information

We welcome your comments about this policy.

Contact us

© 2016 Standard Life