Effective as of May 15, 2018
1. Intro
This Cookie Policy (“Policy”) sets out our commitment to detailing how we use our website visitors’ information. This Policy aims to provide detailed information about how and when we use cookies on our website https://www.smartdebit.co.uk/
2. Does SmartDebit use Cookies?
Yes. Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a personalised user experience and also allows us to improve our website and advertising.
3. What is a Cookie?
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer, if you agree. Cookies contain information that is transferred to your computer’s hard drive.
Cookies can be used by web servers to identify and track users as they navigate different pages on a website, and to identify users returning to a website.
Cookies may be either “persistent” cookies or “session” cookies. A persistent cookie consists of a text file sent by a web server to a web browser, which will be stored by the browser and will remain valid until its set expiry date (unless deleted by the user before the expiry date). A session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
4. Why does SmartDebit use Cookies?
We use cookies to help us improve the way our website works, for example, by ensuring that users can easily find what they are looking for. We do not store personally identifiable information in the cookies we create, but we do use encrypted information gathered from them to help improve your experience of the site.
We use cookies to:
- recognise your computer when you visit our website
- track you as you navigate our website
- improve our website’s usability
- analyse the use of our website
- personalise our website for you
When you visit our website, we may place a number of cookies in your browser to help improve your experience, and to measure our performance of both advertising and functionality. You have the ability to control the use of cookies on your chosen internet browser. If you disable cookies, you may still visit the website, but your ability to use the website may be limited.
The cookies we use are in 4 distinct categories:
| Category | Description |
| 1. Necessary Cookies | These cookies are strictly necessary in order for our website to perform its intended functions, as without them we cannot provide many services that you need on our website. For example, necessary cookies help us to support our customers through services such as LiveChat. |
| 2. Preference Cookies | Preference cookies are used to remember information you have entered or choices you make (such as your username, language or your region) on the website. They also store your preferences when personalising your experience. For example, your preferred language. |
| 3. Analytics Cookies | These cookies track information about the user behaviour on our website, so that we can accurately report our performance and make necessary changes to improve it. For example, analytics cookies enable us to review how many users have followed specific paths in order to optimise the flow of information. |
| 4. Advertising Cookies | Advertising cookies are placed onto our website by third-party advertising platforms or networks, in order to deliver and track advertising performance, and deliver targeted advertising and extended advertising networks. For example, advertising cookies remember which devices have visited the website. |
5. What Cookies does SmartDebit use?
The following cookies are currently active on https://www.smartdebit.co.uk/
i. Necessary Cookies
| Cookie Name | Provider | Type | Cookie Duration | Purpose |
| JSESSIONID | Response Tap | HTTP | Session | Preserves user’s states across page requests |
| adiLP | Response Tap | HTTP | Session | Performance |
| adiS | Response Tap | HTTP | Session | Performance |
| adiV | Response Tap | HTTP | 1 year | Performance |
| adiVi | Response Tap | HTTP | Session | Performance |
| sc.ASP.NET_SESSIONID | Sessioncam | HTTP | Session | Preserves the visitor’s session state across page requests |
| sc.UserId | Sessioncam | HTTP | 1 year | Preserves user’s states across page requests |
| SESS# | Sessioncam | HTTP | Session | Preserves user’s states across page requests |
| p.gif | Adobe Typekit | HTTP | Session | Tracks the use of a registered font on smartdebit.com |
| ZD-buid | ZenDesk | HTML | Persistent | Identifies a device across visits, and also across a single chat session to offer support |
| ZD-currentTime | ZenDesk | HTML | Session | Identifies the current time a device visits our site to offer support through LiveChat |
| ZD-suid | ZenDesk | HTML | Persistent | Helps us monitor the health of the application. We are able to catch errors happening on the client visit |
| zte# | Zopim | HTTP | Session | Saves a Zopim Live Chat ID that recognises a device between visits during a chat session |
| __cfduid | Zopim | HTTP | 1 year | Used by the content network, Cloudflare, to identify trusted web traffic |
| __cfduid | Zopim | HTTP | 1 year | Used by the content network, Cloudflare, to identify trusted web traffic |
| __zlcmid | Zopim | HTTP | Session | Preserves user’s states across page requests |
| __zlcid | Zopim | HTTP | Session | Preserves user’s states across page requests |
| AWSALB | Zopim | HTTP | 6 days | Elastic Load Balancer for managing sticky session across production servers |
| __zlcstore | Zopim | HTTP | Session | Stores user’s states across page requests |
ii. Preference Cookies
| Cookie Name | Provider | Type | Cookie Duration | Purpose |
| lang | HTTP | Session | Remembers the user’s selected language version of a website | |
| Pardot | Salesforce | HTML | Browser | Pardot sets third-party cookies for redundancy and opt-out preferences. |
iii. Analytics Cookies
| Cookie Name | Provider | Type | Cookie Duration | Purpose |
| __adiCookieCheck | Response Tap | HTTP | Session | Used to generate statistical data on what pages the user has visited and how often an ad click leads either to a purchase or other actions on the advertiser’s website. |
| _ga | Google Analytics | HTTP | 2 years | Registers a unique ID that is used to generate statistical data on how the visitor uses the website |
| _gat | Google Analytics | HTTP | Session | Used by Google Analytics to throttle request rate |
| _gid | Google Analytics | HTTP | Session | Registers a unique ID that is used to generate statistical data on how the visitor uses the website |
iv. Marketing Cookies
| Cookie Name | Provider | Type | Cookie Duration | Purpose |
| _omappvp | Optin Monster | HTTP | 11 years | Used by the lead generation platform OptinMonster to determine if the visitor is returning and has visited the website before |
| _omappvs | Optin Monster | HTTP | Session | Used by the lead generation platform OptinMonster to determine if the visitor is visiting the website for the first time |
| ads/ga-audiences | Pixel | Session | Used by Google AdWords to re-engage visitors that are likely to convert to customers, based on the visitor’s online behaviour across websites | |
| bcookie | HTTP | 2 years | Used by the social networking service, LinkedIn, for tracking the use of embedded services | |
| BizoID | HTTP | 179 days | LinkedIn insights and ads tags | |
| bscookie | HTTP | 2 years | Used by the social networking service, LinkedIn, for tracking the use of embedded services | |
| fr | HTTP | 3 months | Used by Facebook to deliver a series of advertisement products such as real-time bidding from third party advertisers | |
| lidc | HTTP | Session | Used by the social networking service, LinkedIn, for tracking the use of embedded services | |
| MUID | Bing | HTTP | 1 year | Used widely by Microsoft as a unique user ID. The cookie enables user tracking by synchronising the ID across many Microsoft domains |
| MUIDB | Bing | HTTP | 1 year | Collects information about how visitors use our website |
| _uetsid | Bing | HTTP | Session | Microsoft Bing Ads Universal Event Tracking (UET) tracking cookie |
| om-session-pageviews | Optin Monster | HTML | Session | Used by the lead generation platform OptinMonster to count the number of pages viewed by the visitor |
| om-session-start | Optin Monster | HTML | Session | Used by the lead generation platform OptinMonster to register the amount of time the visitor has spent on the website |
| tr | Pixel | Session | Used by Facebook advertising to create device audiences and track advertising effectiveness | |
| UserMatchHistory | HTTP | 179 days | LinkedIn Ad analytics | |
| gclid | SmartDebit | Browser | 30 days | Stores the Google Click ID (“GCLID”) against your web visit to log a conversion from our advertising spend |
| utm_source | SmartDebit | Browser | 30 days | Stores the Google Source attribute against your web visit to identify the source for our advertising spend |
| utm_medium | SmartDebit | Browser | 30 days | Stores the Google medium attribute against your web visit to identify the source for our advertising spend |
| utm_campaign | SmartDebit | Browser | 30 days | Stores the Google campaign attribute against your web visit to identify the source for our advertising spend |
| sd_page_url | SmartDebit | Browser | 30 days | Stores the web page URL against your web visit when you to identify the source for our advertising spend |
| Pardot | Salesforce | HTML | Browser | First-party cookies for tracking and analytics of marketing automation |
6. How to disable Cookies
You can usually accept or decline the use of cookies through your web browser. To learn more about how to control your cookie settings:
Click here to learn more managing cookie settings in Chrome;
Click here to learn more about managing cookies in Firefox;
Click here to learn more about managing cookies in Internet Explorer;
Click here to learn more about managing cookies in Safari;
If you use your browser settings to block all cookies (including essential cookies), you may not be able to access all or parts of our website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies as soon as you visit our website.
SmartDebit also uses social media remarketing services to advertise our products and services to previous visitors to our website. Any data collected is done so in accordance with our own Privacy Policy and in turn the social networks Privacy Policy.
For more information of how you can manage your preferences for these networks:
Click here to learn more about managing cookies in Facebook / Instagram and click here to review their joint privacy policy;
Click here to learn more about managing cookies in Twitter and click here to review their privacy policy;
Click here to learn more about managing cookies in LinkedIn and click here to review their privacy policy.
SmartDebit use Google analytics to track user behaviour and optimise the user experience as well as understand advertising activity. To prevent your user data from being used by Google Analytics, you can install Google’s opt-out browser add-on.
For more information about how advertising platforms allow you to opt out of receiving advertising based on your web browsing history and behaviour, please visit http://optout.aboutads.info/.
For more information about cookies, how to stop cookies being installed or how to delete existing cookies from your hard drive, please visit the following website: www.allaboutcookies.org. In addition, certain third-party advertising networks, including Google, will permit users to opt out of, or update, their preferences. To learn more about this feature from Google, click here.
7. Cookies Subject to Change
The content of this Policy is for your general information and use only. These cookies are subject to change without notice in the future. By continuing to use our website, you acknowledge that this information may contain possible inaccuracies or errors and is subject to change, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
8. Cookies Used in our Services
In addition to our website, we also use cookies and other tracking technologies in connection with your access to, and use of, our products and services which we market on our website (hereby referred to as our “Services”).
9. Updating this Policy
In addition to our Website, we also use cookies and other tracking technologies in connection with your access to and use of our products and services which we market on our Website (hereby referred to as our “Services”).
If there are any material changes to our Policy, we will post a notice on our website prior to the change becoming effective. We encourage you to periodically review this page for the latest information on the Policy and our use of cookies.
Your continued use of our website and services constitutes your agreement to be bound by such changes to this Policy. If you do not accept the terms of this Policy, we, therefore, advise that you discontinue use of our website and services.
Last updated 15 May 2018
