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
Necessary: these are cookies that are needed to guarantee website functionality.
Preferences: these set users' choices to navigate the website. We do not currently use preference cookies.
Statistics: these are used for analytical purposes.An example of these are 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: these are used for targeting the user with (personalised) ads. An example of this is the Facebook pixel which can be used to show specific ads to certain users.
Viewing your cookie consent
To view your consent you can select the cookie settings icon in the bottom right-hand corner of the Cookie Bot panel. Your consent applies to www.moneyexpert.com domain.
Select Show details
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 your screen. This will be visible on all of our website pages after the first time that you have accepted our Declaration. If you need our support with this process please state your consent ID and date when you contact us regarding your consent.
These details can be found by taking the following steps:
1. Select the cookie settings 'paper clip' icon in the bottom right-hand corner of your screen
2. Select 'Change your consent'
3. Select the Details tab and make your selections by using the sliders for each type of cookie
Learn more about who we are, how you can contact us and how we process personal data in our Privacy Policy.
List of cookies
The following table lists and describes all cookies which can be set on our website under this Cookie Policy.
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 | 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 | 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 | It is used by 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 an 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 | Records the last life insurance form seen by the visitor. | Necessary | moneyexpert.com | 1 Day |
| rc::a | Distinguishes between humans and bots. This is beneficial for the website to ensure the accuracy and validity of web usage reports. | Necessary | gstatic.com | Persistent |
| rc::c | Distinguishes 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 information - This also allows the website to limit the number of times that customers are shown the same message. | 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 website, this may use cookies to track your session.
We are not responsible for the privacy policies or practices of 3rd party websites. You should check the relevant third party website for more information about these, and to grant your permission to 3rd party use of cookies. Below are links to our key partners' cookie policies.
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. ME Expert Limited 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 guide on cookies can be found on the ICO website at https://ico.org.uk/for-the-public/online/cookies/