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Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.

Necessary

Always Enabled

Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.

Cookie	Duration	Description
cookielawinfo-checkbox-advertisement	1 year	This cookie is used to record the user consent for the cookies in the "Advertisement" category .
cookielawinfo-checkbox-analytics	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-analytics	1 year	This cookie is used to record your preferences for cookies in the "Analytics" category .
cookielawinfo-checkbox-functional	11 months	The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-functional	1 year	The cookie records your preferences for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-necessary	1 year	This records your cookie preferences.
cookielawinfo-checkbox-others	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance	11 months	This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
cookielawinfo-checkbox-performance	1 year	This cookie is used to store your consent for cookies in the category "Functional".
viewed_cookie_policy	11 months	The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
viewed_cookie_policy	1 year	This cookie stores whether or not you have consented to the use of cookies. It does not store any personal data.

Functional

Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.

Cookie	Duration	Description
MoneyPennyAgentAvatar	session	This cookie stores the agent image URL in order to show the agent avatar on the minimize state of our live chat function. If you disable this cookie, our live chat functionality may not be available to you
MoneypennyHistory	1 year	This cookie is used to keep track of the your visits to our website and last live chats. It displays the previous five live chat transcripts to the agent in the live chat to allow faster understanding of your conversation context, and faster resolutions.
MoneypennyHistory	1 year	This cookie is used to keep track of the your previous visits to our website and last live chats on our website. The cookie allows the chat transcripts from your five previous live chats to be displayed to your live chat agent in the chat to allow faster understanding of your needs and faster resolutions.
MoneypennyRef	2 hours	This cookie records origin and site entry to display the referring URL to the live chat agent so they can gain insight into your journey to our website. It helps our live chat agents deliver a better experience by giving them context. If you choose to disable this cookie, live chat will still be available.
MoneypennyUserAlias	1 year	This cookie stores the visitor alias (name) on use of the setUserName() Javascript API. This cookie is used to support subsequent live chats so that, once it is known, the live chat agent doesn’t need to collect the information again. This alias also will get displayed on the chat-box (as the visitor’s name), prechat form (as the value of the ‘name’ field, if it exists), and offline form (as the value of the ‘name’ field, if it exists).
MoneypennyVisit	session	This cookie is used to keep track of the your visits to our website and tells your live chat agent how many times you have visited our website. It is also used for the ‘returning visitor’ proactive chat rule, enabling returning visitors to be greeted differently. Failure to accept this cookie may impact performance of our live chat function.
VISITOR_INFO1_LIVE	5 months 27 days	A cookie set by YouTube to measure bandwidth that determines whether you use the new or old player interface.

Performance

Analytics

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.

Cookie	Duration	Description
_ga	2 years	The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors.
_gat_UA-37750570-1	1 minute	A variation of the _gat cookie set by Google Analytics and Google Tag Manager to allow us to track your behaviour and measure site performance. The pattern element in the name contains the unique identity number of the account or website it relates to.
_gid	1 day	Installed by Google Analytics, this cookie stores information on how you use our website and also creates an analytics report of the website's performance. Some of the data that is collected include the number of visitors, their source, and the pages they visit anonymously.
CONSENT	16 years 3 months 1 day 13 hours 11 minutes	YouTube sets this cookie via embedded youtube-videos and registers anonymous statistical data.
yt.innertube::nextId	Persistent	This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.
yt.innertube::requests	Persistent	This cookie, set by YouTube, registers a unique ID to store data on what videos from YouTube the user has seen.

Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.

Cookie	Duration	Description
_fbp	3 months	This cookie is set by Facebook to display advertisements to you when either on Facebook or on a digital platform powered by Facebook advertising, after visiting our website.
fr	3 months	Facebook sets this cookie to show relevant advertisements to you by tracking your behaviour across the web, on sites that have Facebook pixel or Facebook social plugin.
IDE	1 year 24 days	Google DoubleClick IDE cookies are used to store information about how you use our website to present you with relevant ads according to your user profile.
test_cookie	15 minutes	The test_cookie is set by doubleclick.net and is used to determine if your browser supports cookies.
YSC	session	YSC cookie is set by Youtube and is used to track your views of embedded videos on Youtube pages.
yt-remote-connected-devices	never	YouTube sets this cookie to store the video preferences of the user using embedded YouTube video.
yt-remote-device-id	never	YouTube sets this cookie to store the video preferences of the user using embedded YouTube video.

Others

Consultant

Damian Bailey

Dr Craig Brownlie

Ken Salmon

Anthony Hardy

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