Cookie policy for smartretire.com

Updated September 9 2020
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Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our websites at: www.smartretire.com and also allows us to improve our site.

What are cookies?

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 do lots of different jobs, such as letting you navigate between pages efficiently, remembering your preferences and goods and services you wish to purchase, and providing you with content that is relevant to you and your interests. You can find more information about cookies from these websites.

www.allaboutcookies.org

www.aboutcookies.org

What we use cookies for:

Like most websites, smartretire.com uses cookies. These cookies are safe and secure and don’t store your personal information. We use them, for example, to:

  • Preserve your log-in state and remember your settings and preferences.
  • Show the most useful content for you, relating to our products and services.
  • Understand who visits our websites, how they navigate around them and how easy they find them to use.

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What we do NOT use cookies for:

  • We never show adverts from third parties on our websites.
  • We don’t store any personal information in our cookies that can be used to identify you directly, like your name, email, mailing address, IP address or financial information (credit card, bank account). Any data we do collect is anonymous.
  • We will never sell your data to anyone else for any reason. To read more about how we protect the information we collect about you, please read our Privacy Policy.

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How do I change my cookie settings?

By using our website and our other online services, such as our mobile application, you agree to our use of cookies as described in this policy.

Some are strictly necessary for making our website work well. But you can choose to turn all the others on or off below. You can also manage what cookies are stored on your computer directly by setting your browser to accept or reject certain cookies. Blocking some types of cookies may mean you can’t use all the services or features on our sites.

You can either opt out using your browser settings and the process for opting out is described on the websites listed above. Alternatively you can opt out by using the individual opt out links for specific cookies and technologies listed below.

Third-party cookies are set by someone other than the owner of the website you’re visiting. Some of our pages may also contain content from other sites like YouTube, which may set their own cookies. If you share a link to a page on one of our sites, the platform you share it on (for example, Facebook) may set a cookie on your browser. We have no control over third-party cookies – you can turn them off, but not through us.

 

We use the following types of cookies:

  • Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to sign in to secure areas of our website.
  • Analytical or performance cookies. These allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
  • Functionality cookies. These are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  • Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed and are used to make websites, and the advertising displayed on them, more relevant to your interests. These cookies are not used to tailor the smartretire.com website, but we may share this information with third parties who will use the information for this purpose.

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You can find more information about the individual cookies we use and the purposes for which we use them below:

Google Tag Manager – _dc_gtm_UA-xxxxxxxx

Cookie type: Strictly necessary cookie

This cookie is associated with sites using Google Tag Manager to load other scripts and code into a page. Where it is used, it may be regarded as Strictly Necessary as without it, other scripts may not function correctly. The end of the name is a unique number which is also an identifier for an associated Google Analytics account.

You can find out more generally about Google and its advertising policies and principles at http://www.google.com/policies/privacy/ads.


Google Tag Manager – _dc_gtm_UA-xxxxxxxx

Cookie type: Strictly necessary cookie

This cookie is associated with sites using Google Tag Manager to load other scripts and code into a page. Where it is used, it may be regarded as Strictly Necessary as without it, other scripts may not function correctly. The end of the name is a unique number which is also an identifier for an associated Google Analytics account.

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Optimizely – optimizelySegments

Cookie type:  Analytical or performance cookie

This cookie is set by the Optimizely website optimisation platform. It holds audience segmentation information for a visitor.

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Optimizely – optimizelyPendingLogEvents

Cookie type:  Analytical or performance cookie

The cookie set by the Optimizely website optimisation platform. Records user activity.

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Google Analytics – cookie tag '_ga'

Cookie type: Analytical or performance cookies

This cookie name is associated with Google Universal Analytics – which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default it is set to expire after 2 years, although this is customizable by website owners.

You can find out more generally about Google and its advertising policies and principles at http://www.google.com/policies/privacy/ads.

https://policies.google.com/technologies/cookies?hl=en-US

You can install a browser plugin to maintain your preference to opt out of personalized ads from Google, even if you've cleared your cookies. 

https://support.google.com/ads/answer/7395996?hl=en-GB 

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Optimizely – optimizelyBuckets

Cookie type:  Strictly necessary cookie

The cookie set by the Optimizely website optimisation platform. Used to store the page variants assigned to a user for A/B performance testing, to ensure the user gets a consistent experience.

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Google Analytics – cookie tag '_gid'

Cookie type: Analytical or performance cookies

This cookie name is associated with Google Universal Analytics. This cookie appears to store and update a unique value for each page visited.

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Google Analytics – cookie tag '_gat'

Cookie type: Analytical or performance cookies

This cookie name is associated with Google Universal Analytics, according to their documentation it is used to throttle the request rate – limiting the collection of data on high traffic sites. It expires after 10 minutes.

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Optimizely – optimizelyEndUserId

Cookie type: Functionality cookie

 The cookie set by the Optimizely website optimisation platform. This cookie is a unique user identifier.

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Github – __cfduid

Cookie type: Functionality cookie

This domain is owned by RawGit, a service used to serve raw files directly from GitHub.

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Facebook – _fbp

Cookie type: Targeting cookie

Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.
You can control the information Facebook uses to show you ads at https://www.facebook.com/ads/preferences

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Facebook – datr

Cookie type: Targeting cookie

This domain is owned by Facebook, which is the world's largest social networking service. As a third party host provider, it mostly collects data on the interests of users via widgets such as the 'Like' button found on many websites. This is used to serve targeted advertising to its users when logged into its services. In 2014 it also started serving up behaviorally targeted advertising on other websites, similar to most dedicated online marketing companies. This cookie identifies the browser connecting to Facebook. It is not directly tied to the individual Facebook user. Facebook reports that it is used to help with security and suspicious login activity, especially around detection of bots trying to access the service. Facebook states that the behavioral profile associated with each data cookie is deleted after 10 days. This cookie is also read via Like and other Facebook buttons and tags placed on many different websites.

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Facebook – fr

Cookie type: Targeting cookie

This domain is owned by Facebook, which is the world's largest social networking service. As a third party host provider, it mostly collects data on the interests of users via widgets such as the 'Like' button found on many websites. This is used to serve targeted advertising to its users when logged into its services. In 2014 it also started serving up behaviorally targeted advertising on other websites, similar to most dedicated online marketing companies. Contains browser and user unique ID combination, used for targeted advertising.

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LinkedIn – lidc

Cookie type: Targeting cookie

This domain is owned by LinkedIn, the business networking platform. It typically acts as a third party host where website owners have placed one of its content sharing buttons into their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active Linkedin profile, or agreed to their terms and conditions. For this reason it is classified as a primarily tracking/targeting domain.

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Google – APISID

Cookie type: Targeting cookies 

This domain is owned by Google Inc. Although Google is primarily known as a search engine, the company provides a diverse range of products and services. Its main source of revenue is advertising. Google tracks users extensively both through its own products and sites, and the numerous technologies embedded into many millions of websites around the world. It uses the data gathered from most of these services to profile the interests of web users and sell advertising space to organisations based on such interest profiles as well as aligning adverts to the content on the pages where its customer's adverts appear.

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Google – SSID

Cookie type: Targeting cookies 

This domain is owned by Google Inc. Although Google is primarily known as a search engine, the company provides a diverse range of products and services. Its main source of revenue is advertising. Google tracks users extensively both through its own products and sites, and the numerous technologies embedded into many millions of websites around the world. It uses the data gathered from most of these services to profile the interests of web users and sell advertising space to organisations based on such interest profiles as well as aligning adverts to the content on the pages where its customer's adverts appear.

You can find out more generally about Google and its advertising policies and principles at http://www.google.com/policies/privacy/ads. 

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LinkedIn – bcookie

Cookie type: Targeting cookies 

This domain is owned by LinkedIn, the business networking platform. It typically acts as a third party host where website owners have placed one of its content sharing buttons into their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active LinkedIn profile, or agreed to their terms and conditions. For this reason it is classified as a primarily tracking/targeting domain.

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Facebook – lu

Cookie type: Targeting cookies 

This domain is owned by Facebook, which is the world's largest social networking service. As a third party host provider, it mostly collects data on the interests of users via widgets such as the 'Like' button found on many websites. This is used to serve targeted advertising to its users when logged into its services. In 2014 it also started serving up behaviorally targeted advertising on other websites, similar to most dedicated online marketing companies. Used to manage the login process and remembers users on return visit,  if they choose to stay logged in.

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YouTube – VISITOR_INFO1_LIVE

Cookie type: Targeting cookies 

YouTube is a Google owned platform for hosting and sharing videos. YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. This cookie is used as a unique identifier to track viewing of videos.

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LinkedIn – __utma

Cookie type: Targeting cookies 

This domain is owned by LinkedIn, the business networking platform. It typically acts as a third party host where website owners have placed one of its content sharing buttons into their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active LinkedIn profile, or agreed to their terms and conditions. For this reason it is classified as a primarily tracking/targeting domain.

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Google – cookie tag 'PREF'

Cookie type: Targeting cookie

YouTube is a Google owned platform for hosting and sharing videos. YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites. This is a common Google cookie, used across several of their services. Stores user preference, can be used to personalize ads on google searches.

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LinkedIn – __utmv

Cookie type: Targeting cookie

 This domain is owned by LinkedIn, the business networking platform. It typically acts as a third party host where website owners have placed one of its content sharing buttons into their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active LinkedIn profile, or agreed to their terms and conditions. For this reason it is classified as a primarily tracking/targeting domain.

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Google – cookie tag 'GPS'

Cookie type: Targeting cookie

YouTube is a Google owned platform for hosting and sharing videos. YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites.

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Google – cookie tag 'IDE'

Cookie type: Targeting cookie

This domain is owned by Doubleclick (Google). Doubleclick is Google’s real time bidding advertising exchange.

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Google – SID

Cookie type: Targeting cookie

This domain is owned by Google Inc. Although Google is primarily known as a search engine, the company provides a diverse range of products and services. Its main source of revenue  is advertising. Google tracks users extensively both through its own products and sites, and the numerous technologies embedded into many millions of websites around the world. It uses the data gathered from most of these services to profile the interests of web users and sell advertising space to organisations based on such interest profiles as well as aligning adverts to the content on the pages where its customer's adverts appear. This cookie is used by Google in combination with HSID to verify a Google user account and most recent login time.

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LinkedIn – lang

Cookie type: Targeting cookie

This domain is owned by LinkedIn, the business networking platform. This sub-domain is connected with LinkedIn's marketing services that enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.

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LinkedIn – UserMatchHistory

Cookie type: Targeting cookie 

This domain is owned by LinkedIn, the business networking platform. It typically acts as a third party host where website owners have placed one of its content sharing buttons into their pages, although its content and services can be embedded in other ways. Although such buttons add functionality to the website they are on, cookies are set regardless of whether or not the visitor has an active LinkedIn profile, or agreed to their terms and conditions. For this reason it is classified as a primarily tracking/targeting domain.

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Google – SAPISID

Cookie type: Targeting cookie 

This domain is owned by Google Inc. Although Google is primarily known as a search engine, the company provides a diverse range of products and services. Its main source of revenue is advertising. Google tracks users extensively both through its own products and sites, and the numerous technologies embedded into many millions of websites around the world. It uses the data gathered from most of these services to profile the interests of web users and sell advertising space to organisations based on such interest profiles as well as aligning adverts to the content on the pages where its customer's adverts appear.

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Youtube – cookie tag 'YSC'

Cookie type: Targeting cookie

YouTube is a Google owned platform for hosting and sharing videos. YouTube collects user data through videos embedded in websites, which is aggregated with profile data from other Google services in order to display targeted advertising to web visitors across a broad range of their own and other websites.

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Google – id

Cookie type: Targeting cookie

This domain is owned by Doubleclick (Google). The main business activity is real time bidding advertising exchange.

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Pardot – pardot

Cookie type: Targeting cookie

This domain is owned by Pardot, a marketing automation platform which provides lead generation services to businesses.

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Google – HSID

Cookie type: Targeting cookie 

This domain is owned by Google Inc. Although Google is primarily known as a search engine, the company provides a diverse range of products and services. Its main source of revenue is advertising. Google tracks users extensively both through its own products and sites, and the numerous technologies embedded into many millions of websites around the world. It uses the data gathered from most of these services to profile the interests of web users and sell advertising space to organisations based on such interest profiles as well as aligning adverts to the content on the pages where its customer's adverts appear. Used by Google in combination with SID to verify Google user account and most recent login time.

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Intercom – intercom-id-ymhbogjo

Cookie type: Targeting cookie 

We use third-party analytics services to help understand your usage of our services. In particular, we provide a limited amount of your information (such as sign-up date and some personal information like your email address) to Intercom, Inc. (“Intercom”) and use Intercom to collect data for analytics purposes when you visit our website or use our product. As a data processor acting on our behalf, Intercom analyzes your use of our website and/or product and tracks our relationship by way of cookies and similar technologies so that we can improve our service to you. 

For more information on Intercom's use of cookies, please visit https://www.intercom.com/terms-and-policies#cookie-policy . 

We may also use Intercom as a medium for communications, either through email, or through messages within our product(s). The Intercom Messenger Apps and Apps in Inbox products may also provide you with access to other third party applications such as Stripe. You should consult these third parties' privacy notices for further information on their use of your personal data. As part of our service agreements, Intercom collects publicly available contact and social information related to you, such as your email address, gender, company, job title, photos, website URLs, social network handles and physical addresses, to enhance your user experience. 

For more information on the privacy practices of Intercom, please visit https://www.intercom.com/terms-and-policies#privacy Intercom’s services are governed by Intercom’s terms of use which can be found at https://www.intercom.com/terms-and-policies#terms. If you would like to opt out of having this information collected by or submitted to Intercom, please contact us.

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