Cookie Policy

 

This policy explains how ME Expert Limited uses cookies on our websites and mobile app ("Our Sites") and how you can control them.

We show visitors to our website a cookie notice when they enter our website for the first time. When you agree with this notice, you give your consent that this Cookie Policy will apply. We reserve the right to vary this Cookie Policy from time to time and such changes shall become effective as soon as they are posted. Your continued use of Our Sites constitutes your agreement to all such changes.

What are cookies?

Cookies are small text files stored on your computer (or other device such as mobile or tablet) by your browser from websites that you visit. They’re used for many things, such as allowing us to remember you and distinguish you from other users. This helps us to provide you with a good user experience and improve our website by monitoring how people use it.

A cookie will typically store information about your visit to a website. Our cookie will never include any of your personal information, for example they don’t store your name or email address. it does however enable us to recognise your visit, remember your preferences and understand how you interact with our website.

All cookies have an owner. The owner is the domain or website that places the cookies on your device. When you visit Our Sites, cookies may be placed on your device by Us and also by other domains or websites, which are known as third party cookies.

Cookie Management Tool

We currently use a cookie management tool called Cookie Bot for control of client cookies being set.

Cookie Bot will block all cookies except those strictly necessary from being set until you have given your consent. When you visit our website for the first time, a message will be displayed on the screen for you to choose your initial cookie settings and confirm your acceptance.

Our cookies

We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners who may combine it with other information that you’ve provided to them or that they’ve collected from your use of their services.

The law states that we can store cookies on your device if they are strictly necessary for the operation of this site. For all other types of cookies we need your permission.

This site uses different types of cookies. Some cookies are placed by third party services that appear on our pages.

The types of cookie that may be used during your visit to Our Sites are described below.

Types of cookies

When you select or change your consent, there are different categories of cookies:

Necessary: scripts that are needed to guarantee website functionality.

An example of this would be life_journey cookie which is held for identifying the last life insurance form which was used.

Preferences: setting user choices to navigate the website.

We do not currently use preference cookies.

Statistics: used for analytical purposes.

For example; Google Analytics cookies to help us see how many visitors we’ve had to our website, and how many of these were returning visitors.

Marketing: used for targeting the user with (personalized) ads.

For example; the Facebook pixel can be used to show specific ads to certain users.

Viewing your cookie consent

To view your consent:

Select the cookie settings icon in the bottom right-hand corner

Select Show details

Your consent applies to the following domains: www.moneyexpert.com

Changing Your Cookie Preferences

You can at any time change or withdraw your consent from the Cookie Declaration on our website by clicking on the paper clip icon in the bottom right corner of the screen.

Learn more about who we are, how you can contact us and how we process personal data in our Privacy Policy.

If you need our support with this process please state your consent ID and date when you contact us regarding your consent.

To obtain these details, these are under cookie settings as follows:

Select the cookie settings icon in the bottom right-hand corner

Select Change your consent button

Select Details tab

 

List of Cookies

The following table lists the cookies which can be set on our website.

The NAME is the name of the cookie which is set.

The DESCRIPTION is the summary of what the cookie is used for.

The CATEGORY is the category type of cookie which is set.

The DOMAIN is the website which sets the cookie.

The EXPIRY is the amount of time during which the cookie is active on your machine.

 

NAME	DESCRIPTION	CATEGORY	DOMAIN	EXPIRY
_ga	Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.	Marketing	moneyexpert.com	729 Days
_gid	Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.	Marketing	moneyexpert.com	0 Days
_gat	Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.	Marketing	moneyexpert.com	0 Days
_ga_#	Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.	Marketing	moneyexpert.com	729 Days
CookieConsent	Stores the user's cookie consent state for the current domain	Necessary	www.moneyexpert.com	365 Days
PHPSESSID	Preserves user session state across page requests.	Necessary	www.moneyexpert.com	0 Days
landing_page	This cookie records the first page url path which is landed on by the user and excludes the domain name.	Necessary	www.moneyexpert.com	7 Days
full_landing	This cookie records the first page url path which is landed on by the user including the domain name.	Necessary	www.moneyexpert.com	7 Days
XSRF-TOKEN	Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the website and visitor.	Necessary	www.moneyexpert.com	0 Days
money_expert_session	Preserves the visitor's session state across page requests.	Necessary	www.moneyexpert.com	0 Days
IDE	Google doubleclick to provide ad delivery or retargeting.	Marketing	doubleclick.net	399 Days
country_set	This cookie stores a country identifer set by the domain name to allow display of country specific content.	Necessary	www.moneyexpert.com	-19877 Days
test_cookie	Test cookie for testing purposes.	Necessary	www.moneyexpert.com	0 Days
_fbp	Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.	Marketing	www.moneyexpert.com	89 Days
lastExternalReferrer	Detects how the user reached the website by registering their last URL-address.	Marketing	connect.facebook.net	Persistent
lastExternalReferrerTime	Detects how the user reached the website by registering their last URL-address.	Marketing	connect.facebook.net	Persistent
__insp_session_count	Sets a ID for the visitor. This serves to count the number of specific visitors on the website.	Statistics	cdn.inspectlet.com	Persistent
ASP.NET_SessionId	Preserves the visitor's session state across page requests.	Necessary	widget.moneyexpert.com	0 Days
life_journey	This cookie is used to record the last type of Life Insurance form which was used.	Necessary	moneyexpert.com	1 Day
rc::a	This cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website.	Necessary	gstatic.com	Persistent
rc::c	This cookie is used to distinguish between humans and bots.	Necessary	gstatic.com	0 Days
pagead/landing	Collects data on visitor behaviour from multiple websites, in order to present more relevant advertisement - This also allows the website to limit the number of times that they are shown the same advertisement.	Marketing	doubleclick.net	0 Days
pagead/1p-user-list/#	Tracks if the user has shown interest in specific products or events across multiple websites and detects how the user navigates between sites. This is used for measurement of advertisement efforts and facilitates payment of referral-fees between websites.	Marketing	google.com	0 Days
1.gif	Used to count the number of sessions to the website, necessary for optimizing CMP product delivery.	Necessary	imgsct.cookiebot.com	0 Days
ads/ga-audiences	Used by Google AdWords to re-engage visitors that are likely to convert to customers based on the visitor's online behaviour across websites.	Marketing	google.com	0 Days
collect	Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.	Marketing	google-analytics.com	0 Days

 

About Third Party Cookies

ME Expert Limited works with a number of partners to supply its services. If you go through any of our journeys to a third party partner website, they may use cookies to track your session.

We are not responsible for the privacy policies or practices of these websites. You should check the relevant third party website for more information about these, including their own privacy and cookie policies.

SEOPA

LifeSearch

Reassured

MotorEasy

ARO

On some pages we have embedded ‘share’ buttons to enable users of the site to easily share articles through a number of popular social networks. These sites may set a cookie when you are also logged in to their service. Money Expert does not control the dissemination of these cookies and you should check the relevant third party website for more information about these.

More information

The Information Commissioner's Office Cookie guide can be found on the ICO website at https://ico.org.uk/for-organisations/guide-to-pecr/cookies-and-similar-technologies/