Cookie policy

This website uses cookies and similar technologies to collect data from your device. Like many other software applications, we need to collect this data for the website to operate, but we also use it to provide the best experience, understand how you use our website, provide social media features, personalize content, deliver service messages and deliver adverts. 

Cookies are text files containing small amounts of information which your computer or mobile device downloads when you visit a website. When you return to those websites – or visit websites that use the same cookies – they recognize these cookies, and therefore, your browsing device.

We use cookies to do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences and generally improving your browsing experience. They can also help ensure that ads you see online are more relevant to you and your interests. We also use similar technologies such as pixel tags and JavaScript to undertake these tasks.

If you visit our website, we will deploy these technologies to provide an online service better suited to the device you connect from, as well as to prevent and detect fraud, keeping you secure. When you visit our website from any device (mobile, tablet or PC), we collect information about your use of this site, such as information about the device or browser you use to access the site (including device type, operating system, screen resolution etc.), the way you interact with this site, and the IP address your device connects from. You may not be able to initiate or complete some activities within our secure online services unless these cookies or similar technologies are installed. Please note, we may not be able to process certain transactions if you are physically located in certain countries.

We use cookies to:

• Ensure your security and privacy when using our secure sites
• Store login details for our secure sites
• Temporarily store input information in our calculators, tools, illustrations and demonstrations
• Provide you with ads that are more relevant to you and your interests, and improve our targeting and enhance your journey through our sites and partner sites
• Improve our understanding of how you navigate through our sites so that we can identify improvements
• Evaluate our sites' advertising and promotional effectiveness; and
• We use both our own (first-party) and partner companies' (third-party) cookies to support these activities.

The types of cookies used on this website fall into one of four categories - Strictly Necessary, Performance, Functionality & Profile, and Targeting.

Strictly Necessary

The data collected in this category is essential to provide our services to you. The data is necessary for the website to operate, to verify your identity and to maintain your security and privacy while using the website. It enables you to move around the website and use its features, such as accessing secure areas. This category is always on, as without this data, the services you’ve asked for can’t be provided. Although it is possible to disable cookies on websites via the browser settings, this would affect the functionality of the website, causing it not to work. This data is not used for marketing purposes or for the purposes covered by the other three categories below.

Performance

In most cases, the data collected in this category is anonymous and is used to inform us about how the website is used. For example, which areas you use most often and if you receive any error messages. With this data, we can then improve how our website works and be sure that the products and services we offer are right for you and other people. 

In limited cases for mobile browsing, the information also enables us to identify specific issues you may have had.

This data is not used to target you for online advertising. Without this data, we couldn't assess how our website is performing and make relevant improvements that could better your experience.

Functionality & Profile

Data collected in this category enables the website to remember choices you make. This means a more personalized experience for features of the website that can be customised. It may also be used to provide services you've asked for, such as watching a video or commenting on a blog.

The data may also be used to ensure that our banking services and communications are relevant to you. This category can’t track your activity on other websites. Without this data, the website can’t remember choices you've previously made or personalize your experience with the website.

Targeting

Data collected in this category is used to help make our messages more relevant to you. The data informs us about how you use the website and is shared with other ROI Scanner systems or third parties, such as advertisers and platforms we may use to deliver personalized messages. We do this in order to provide you with targeted advertisements that are more relevant to you and your interests, and to improve how personalized messages work and help us identify issues. 

If you don’t wish to consent to this category, it’s important to note that you may still receive generic advertising or service messages, but they will be less relevant to you and your interests. In addition, you will still receive important notifications about your account via other channels, such as SMS, mailings, email etc.

Cookies in emails

In addition to the cookies we use on this website, we also use cookies and similar technologies in some emails and push notifications. These help us to understand whether you have opened the email and how you have interacted with it. If you have enabled images, cookies may be set on your computer or mobile device. Cookies will also be set if you click on any link within the email. 

What happens to data collected by cookies that have been downloaded in the past?

If you initially consented to one or more categories, we may still use the data collected at that time, when you had previously provided your consent.  When you change your settings to disable any of the non-essential categories, we will re-set our systems as soon as reasonably possible to stop using those categories to gather any further data.

More information

Information about cookies:

All About Cookies

Internet Advertising Bureau:
Guide to online advertising and privacy