Moneyway is a trading name of Secure Trust Bank PLC.
What this policy covers
- what a cookie is (at paragraph 2);
- an overview of the cookies we (Secure Trust Bank PLC trading as Moneyway) use and how we use them (paragraph 3);
- what you can do if you do not agree to the cookie use (paragraph 4);
- links to further information about cookies in general (paragraph 5); and
- a detailed table setting out all of the cookies that we use (paragraph 6).
What is a cookie
Cookies are small text files containing small amounts of information which are downloaded and may be stored on the computer (or other internet enabled devices, such as a smartphone or tablet) that you use when you visit a Website. Cookies are used for a number of purposes, such as remembering your preferences, and helping to improve your online experience.
What cookies do we use and why?
We use several different types of cookies. Some of these are session cookies which are temporary and allow us to link your actions during a browser session. Others are persistent cookies which remain on your device for the period of time specified in the cookie. We also use third party cookies - these are cookies that are set by a third party website rather than by us. In addition, we use essential cookies which enable certain website features, functionality cookies which allow us to remember choices you make (e.g. your cookie preference) and targeting cookies which are used to deliver adverts more relevant to you and your interests.
The following is a more detailed explanation of the types of cookies we use, categorised by the purpose of the cookies.
Session cookies only last for the duration of your visit to a website and are removed when you close your browser. These help us perform various tasks such as allowing our website to track a user across multiple pages on our site. This helps to support website security and basic functionality. Moneyway use session cookies throughout our website to:
- identify you as being logged on our website;
- remember information you have entered on different pages during a web browsing session;
- remember the products and services you applied for or requested;
- enable a time out functionality should you take too long to complete an application; and
- make sure you connect to the right service on our website when we make any changes to the website.
These cookies are necessary for the proper operation of our website, so if you block these cookies we can't guarantee your use or the security of our website during your visit.
Persistent cookies remain after you leave and have closed your browser, and can then be accessed on your next visit in order to retrieve any preferences you set and to recall the actions you took on the site on any previous visits. This can be to monitor browsing behaviour to help improve websites, or to target marketing. Secure Trust Bank use persistent cookies to remember your cookie preferences and for Google Analytics cookies (for further details, see our section on Google Analytics below).
First and third party cookies
First or Third party refers to the website which has placed a cookie on your device. First party cookies are those set by or on behalf of the website visited (in our case these are cookies set by any website controlled by Secure Trust Bank). All other cookies are Third party cookies. We use both First party and Third party cookies. For a full list of our cookies see section 5 on cookie use further down this page.
Essential cookies are necessary in order to enable website features, and to ensure the security of your experience. Without these cookies, services you have asked for, such as applying for products, may not function correctly. These cookies will not be used for the purposes of marketing.
Performance cookies collect information about how you use our website or application (e.g. which pages you visit, and if you experience any errors). These cookies do not collect any information that could identify you and are only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is. We use performance cookies :
- to analyse how you use the website; and
- for error management, to help improve the website.
Some of these cookies are managed by third parties, and you may refer to the third parties' own website privacy notifications for further information. In particular, Secure Trust Bank uses Google Analytics cookies to obtain an overall view of visitor habits and visitor volumes. We use this data to help improve the overall experience on our website.
Functionality cookies allow the Secure Trust Bank website to remember certain data you enter and choices you make (e.g. if you have set a location preference). The information these cookies collect does not contain your name or account details. Functionality cookies do not track your browsing activity across other websites. We use functionality cookies to:
- remember settings you've applied, such as preferences regarding layout and colours;
Targeting cookies store information about your browsing on a particular website. They remember that you have visited a website and this information could be used to determine how you got there, the device you used, how frequently you visit, how long you visited for, what town or city you visited from and other information relevant to targeting. They are usually placed by advertising networks or web analytics companies. We use targeting cookies and certain google AdWords to advertise to people within the UK based on gender, demographics and geographies.
Moneyway does not currently use this information to target individual adverts to individual customers.
Moneyway uses Google Analytics, a third-party web analysis service provided by Google Inc, which uses performance cookies and targeting cookies to analyse how you use the website. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.
By using our website, you agree that we may store and access these cookies on your device. Accepting these cookies is a condition of using the website or application, so if you prevent them we cannot guarantee how our site will perform for you.
What if I don't want to accept cookies?
The following links may assist you in managing your cookies settings, or you can use the 'Help' option in your internet browser for more details.
- Cookie settings in Internet Explorer
- Cookie settings in Firefox
- Cookie settings in Chrome
- Cookie settings in Safari
To block Google Analytics cookies specifically, you can install the "Google Analytics Opt-out Browser Add-on" provided by Google.
A guide to online privacy has been produced by the internet advertising industry which can be found:
A UK cookie guide can be found on the International Chamber of Commerce website section: https://iccwbo.org/global-issues-trends/digital-growth/
Secure Trust Bank cookie use
Below is a full list of the cookies used by Secure Trust Bank.
Strictly necessary cookies
These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. These cookies do not store any personally identifiable information.
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.
We currently use nmstat for our cookies.
These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.