<p>Thank you for visiting www.moneyfree.co ("Website").  This cookie notice applies to the Website, any website or branded pages on third party platforms (e.g. YouTube and Facebook) and applications accessed or used through such websites or platforms which are operated by or on behalf of MoneyFree ("MoneyFree Site").</p><p>By using a MoneyFree, you are consenting to our use of cookies and other tracking technology in accordance with this notice. If you do not agree to our use of cookies and other tracking technology in this way, you should set your browser settings accordingly or not use the MoneyFree Site. If you disable cookies that we use, this may impact your user experience while on the MoneyFree Site.</p><p><span style="font-weight: bold; font-size: 18px;">1. What are cookies?</span></p><p>Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.</p><p>See below for details on what information is collected by cookies and how we use that information. For more information about the kind of data we collect, please read our  <a href="http://moneyfree.co/page/privacy-policy" target="_blank">Privacy Policy</a>.</p><p><span style="font-weight: bold; font-size: 18px;">2. How and why does MoneyFree use them?</span></p><p>MoneyFree Uses cookies to create unique ID URLs as identifiers for you. We use this cookie to store your activities on our website, for example when you invite someone else to visit this website using your ID URL.</p><p>Cookies help us tailor MoneyFree websites to your personal needs, to improve their user-friendliness, gain customer satisfaction feedback on our websites (through designated partners) and to communicate to you elsewhere on the web.</p><p>MoneyFree keeps all the information collected from cookies in a non–personally identifiable format. MoneyFree cookies located on your computer do not retain your name or your IP address.</p><p><span style="font-weight: bold; font-size: 18px;">3. What type of cookies does MoneyFree use?</span></p><p>The following types of cookies are used on MoneyFree websites.</p><p><span style="font-weight: bold;">Necessary cookies</span></p><p>These are cookies that are strictly necessary for the operation of a website. Without these cookies, this website won’t work properly. Accordingly, we are not asking you for your specific consent for those cookies. For all other cookies your informed consent is required.</p><p><span style="font-weight: bold;">Session cookies</span></p><p>Session cookies are temporary cookie files which are erased when you close your browser. When you restart your browser and go back to the site that created that cookie, the website will treat you as a new visitor.</p><p><span style="font-weight: bold;">Functional/Persistent Cookies</span></p><p>These are cookies which are set up to improve the functionality of the website. For example, cookies that remember the content you previously viewed on this website. </p><p><span style="font-weight: bold;">Cookies that send information to us</span></p><p>These are the cookies that we set on a MoneyFree Site and they can only be read by that site. This is known as a "First Party" cookie.</p><p>We also place cookies on brand ads which are placed on other websites owned by third parties (e.g. Facebook). We obtain information via those cookies when you click on or interact with the advertisement. In this situation the brand is placing a “Third Partyâ€ cookie. The brand may use the information obtained by these cookies to serve you with advertising that is relevant and of interest to you based on your past online behaviour.</p><p><span style="font-weight: bold;">Cookies that send information to other companies</span></p><p>These are cookies that are set on a MoneyFree Site by our partner companies (e.g. Facebook or advertisers). They may use the data collected from these cookies to anonymously target advertising to you on other websites, based on your visit to this Website. For example, if you use a social widget (e.g. the Facebook icon) on the Website, it will record your “shareâ€ or “likeâ€. Facebook (as the company setting the cookie) will collect the data. This is known as a “<span style="font-weight: bold;">Third Party</span>’’ cookie.</p><p><span style="font-weight: bold;">Demographics and Interest Reporting</span></p><p>Some of our websites use Google Analytics Demographics and Interest Reporting to improve advertising. Some common applications are to target advertising based on what’s relevant to a user, to improve reporting on campaign performance, and to avoid showing ads the user has already seen. This is done using something called the DoubleClick cookie. If you don’t want your information collected in this way, you can:</p><p><ul><li>use Google’s <a href="http://www.google.co.uk/ads/preferences" target="_blank">Ad Settings</a> to opt out of Display Advertising; or<br></li><li>use Google's <a href="http://tools.google.com/dlpage/gaoptout" target="_blank">Browser add-on</a> to opt out of Google Analytics<br></li></ul></p><p>DoubleClick cookies contain no personally identifiable information. Sometimes the DoubleClick cookie will contain an additional identifier that is similar in appearance to the cookie ID, and is used to identify an ad campaign to which a user was exposed previously.</p><p>We will not use any information reported by Google Analytics Demographics and Interest Reporting to identify any individual user of our site.</p><p><span style="font-weight: bold; font-size: 18px;">4. How can I change my cookie settings?</span></p><p>Please ensure that your computer setting reflects whether you are happy to accept cookies or not. You can set your browser to warn you before accepting cookies, or you can simply set it to refuse them, although you may not have access to all the features of this website if you do so. See your browser 'help' button for how you can do this. Remember that if you use different computers in different locations, you will need to ensure that each browser is adjusted to suit your cookie preferences.</p>