Cookies Policy

Our website uses technology to collect information about its use, to distinguish between users, to help us provide you with a good experience and to allow us to improve the site and the service we offer. This means that when you visit our website, cookies or similar technologies will be placed on your computer or other device.

In the tables below you’ll see a description of each cookie that we use, what it does and whether or not it collects personal data about you. Personal data means data which identifies or can be used to identify you as an individual, including online identifiers such as your IP address. It also includes pseudonymous identifiers (e.g. strings of numbers or letters) if it is possible for us to identify you from these.

Please make sure you read our Privacy Statement as well as this cookie policy. More information can also be found in the privacy information section at the end of this cookie policy.

What are cookies?

Cookies are small text files that are placed on your computer, smartphone or other device when you visit our website. A cookie file is stored on your device and allows us, or our third party partners (see below) to recognise you and make your visit easier and more useful to you when you revisit our website.

How does Beniconnect use cookies?

Cookies allow us to recognise users (where appropriate), tailor the content on our website to fit the needs of our website’s visitors and helps us improve the user experience. Without certain types of cookies enabled, we can’t guarantee that the website and your experience of it are as we intended it to be.

We use cookies to obtain information about your visits and about the device you use to access our website.

This includes where available, your IP address and pseudonymous identifiers, operating system and browser type and, depending on the cookie, also includes the reporting of statistical data about our users’ browsing actions and patterns.

Types of cookies

The length of time a cookie stays on your device depends on its type. We use two types of cookies on our website:

Session cookies are temporary cookies which only exist during the time you use the website (or more strictly, until you close the browser after using the website). Session cookies help our website remember what you chose on the previous page, avoiding the need to re-enter information and improve your experience whilst using the website.

Persistent cookies stay on your device after you’ve visited our website. For example, if you tick the ‘Remember my ID’ box when you log onto Online Banking a persistent cookie will be used, so that the website remembers you the next time you use it. Persistent cookies help us identify you as a unique visitor.

We also categorise our cookies to help our customers understand the specific reason for each cookie.

Essential cookies: These cookies are essential for the running of our website and Online Banking.

We would recommend this type of cookie is not disabled for the following reasons:

• they allow us to remember your cookie preferences;

• they allow us to operate Online Banking; and

• they allow us to see if something isn’t working properly, so we can fix it quickly.

Experience and insight cookies: These cookies help us to make sure you have the best possible experience on our website:

• they help us to make the website easier to use and help you find what you need more easily;

• they help us to test and improve the content you see; and

• we can understand if you found out about our products and services through a price comparison website.

Marketing cookies: These cookies help us manage the online advertising you see from us:

• they allow us to control how often you’ll see our adverts online;

• they allow us to show you more relevant messages and offers; and

• they make your online journey better and more consistent.

Disabling these cookies won’t stop you from seeing our advertising. You may see more adverts from us and they could be less relevant to you.

How we use cookies

Below are some examples of how we use cookies:

• Online Banking uses cookies so we can protect you online and prevent fraudulent activity. Without cookies enabled you can’t use Online Banking.

• If you ever ask us to ‘Remember my ID’ to allow you to log on more easily, we’ll use a cookie to enable this functionality.

• Online application forms use cookies to make sure that from a security and fraud point of view we protect your application. For example cookies are used when you save and retrieve an application. Without cookies enabled you won’t be able to apply for our products online.

• Our web analytics services, categorised as ‘experience and insight’, use cookies so we can see how visitors reach our website and the path they take through it. This helps us improve our service to you. We use Google Analytics, IBM netinsight, Adobe analytics and Maxymiser to help us understand how to improve our website, what our most popular content is, and where we have issues that need fixing.

• We use Doubleclick cookies to:

• link our website and online application forms to measure the effectiveness of our digital marketing;

• contact customers who don’t complete an application they’ve started;

• to provide other services such as our branch locator; and

• to understand what you think about applying for new products or services using Online Banking and our Mobile app.

Third party websites 

Our website may link through to third party websites that may also use cookies over which we have no control. We recommend that you check the privacy and cookies policies of those websites for information about the cookies they may use and the collection of personal data.  We can’t accept any responsibility for any content contained in these third party websites.

How you can control and delete cookies

Cookies help you get the most out of our website. You can however set up your browser to delete or refuse some or all of them, or to notify you when you are sent a cookie and therefore choose whether or not to accept it.  You may also delete or refuse, some or all of the cookies, on our website at anytime.

Please remember, if you do delete some or all your cookies, some features on our website, such as remembering your username, may not work and your experience on our website may be affected.  Unless you’ve adjusted your browser settings so that they’ll delete or refuse cookies, cookies will be issued or reissued when you log on to our website.  If you do decide to delete or refuse cookies but subsequently decide that you would in fact like to allow cookies, you should adjust your browser settings and continue using our website. Cookies will then be sent to and from our website.

If your computer is shared with others, you should either set your browser to refuse cookies before accessing our website or clear cookies stored by the browser every time you close your browser to avoid your email address or other details being displayed in the log on field to a subsequent user of our website.

For your convenience we’ve provided links to the cookie management page for the most popular web browsers:

• Chrome

• Internet Explorer

• Firefox

• Safari

• Opera

More information about cookies

For more information on how businesses use cookies and how to manage cookies you can visit the following third party websites:

allaboutcookies.org

allaboutcookies.org/manage-cookies/index.html

Below is a table with the cookies used for this website together with the purpose of each of them: