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Lloyds Bank Cardnet is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage what cookies are stored on your device. We call it our Cookies Policy.

By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply.

We reserve the right to make changes to our Cookies Policy. Any changes will appear here and become effective immediately. Your continued use of our website is taken as meaning that you agree to such changes.



What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a web site. Cookies are then sent back to the originating web site on each subsequent visit, or to another web site that recognises that cookie. Cookies are useful because they allow a web site to recognise repeat visits from the same device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also ensure that adverts you see online are more relevant to you and your interests.

With most internet browsers, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored. If you want to know how to do this please look at the help menu on your web browser. However, please note that switching off or "opting out" of the use of cookies will mean that you may not be able to use certain features of the website. Find out more about the use of cookies and how to switch off cookies on www.cookiecentral.com or www.aboutcookies.org.

The cookies used on this www.lloydsbankcardnet.com can be categorised in the following ways.

Session cookies

Session cookies last only for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.

Many of the cookies we use are session cookies. For example, they help us to ensure the security of your Internet Banking session, and can also keep you signed in to Internet Banking while you move between pages or service your account.

Our session cookies used for security are designed to be very difficult to read, change, access or use except by us when you have an active Internet Banking session. They contain no personal information that can be used to identify an individual. Their names typically start with the letters IB e.g. IBSESSION, IBCOOKIE01, IBCOOKIE02.

Persistent cookies

Persistent cookies last after you have closed your browser, and allow a website to remember your actions and preferences. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device.

Lloyds Bank uses persistent cookies in a few ways, for example, to remember your username for log on so you don’t have to (cookie named IBUserID). We also use persistent cookies to allow us to analyse customer visits to our site, for example, our cookie named WT_fpc. These cookies help us to understand how customers arrive at and use our site so we can improve the Internet Banking service.

For full details about our cookies, we’ve put together a list of the cookies we use:

First and third party cookies

Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below.

Performance cookies

These cookies collect information about how visitors use a website, for example, which pages visitors go to most often, and if they get error messages from web pages. These cookies don't collect information that identifies a visitor, although they may collect the IP address of the device used to access the site. All information these cookies collect is anonymous and is only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari), watch one of our short video guides on YouTube.

Strictly necessary cookies

These cookies are essential in order to enable you to move around the web site and use its features, such as accessing secure areas of the web site. Without these cookies services you have asked for, such as shopping baskets, cannot be provided. These cookies don't gather information about you that could be used for marketing or remembering where you've been on the internet.

Functionality cookies

These cookies allow the web site to remember choices you make (such as your user name, language or the region you are in) and provide enhanced features Google Analytics and Umbraco. These cookies can also be used to remember changes you have made to text size, font and other parts of web pages that you can customise. They may also be used to provide services you have requested such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.

By using our www.lloydsbankcardnet.com, you agree that we can place the cookies described above on your device.

Targeting cookies

These cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers.

These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and place an icon in the top right hand corner of an advert. This icon when clicked, will take you through to the website Your Online Choices where there is more help and guidance for you to Opt-out of this type of advertising.

You can block these cookies using your browser settings. For more information on how to do this you may wish to watch one of our short video guides on YouTube which explain how this is done in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari). By using our websites you agree that we can place these types of cookies on your device.

Cookies we use

Below is a full list of the cookies used by Lloyds Bank Cardnet along with a description of what they are used for, and whether they are ‘first’ or ‘third’ party. Where a cookie is a third party cookie, visit the providers’ website for more information.

AppNexus

This website uses the AppNexus service to track and advertise our products and services on other websites based on your visit and engagement history (or behavioural profile) with our website and Internet advertising. Any data collected will be used in accordance with our own privacy policy and the AppNexus privacy policy. No personally identifiable data is collected or stored. This is a third-party cookie.

You can opt out of receiving customised third-party advertisements via AppNexus technologies by visiting http://www.appnexus.com/en/company/platform-privacy-policy#choices. Alternatively, you can also manage and opt-out of AppNexus and other third-party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

DoubleClickID

This is an anonymous, unique identifier used to track how successful our advertising is. The Google DoubleClick cookie also enables Google and its partners to track and serve our advertisements on other websites across the Internet based on your visit history (or behavioural profile) to our website or engagement with our online marketing, which may include emails. Recent click history for your device is also collected in encrypted form, this allows external advertisers to target users of the device with adverts based on perceived interests. The cookie doesn’t store the IP address, but this is passed through to Google along with cookie by the browser. Google then renders the IP address unreadable by removing the last 3 characters. No personally identifiable data is collected or stored. This is a third-party cookie.

You can control the ads that you see on Google and find out more about how the ads are selected for you by visiting www.google.com/settings/ads. Alternatively, you can also manage and opt-out of Google DoubleClick and other third party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Google Adwords

This website uses the Google AdWords remarketing service to advertise our products and services on other websites (including Google) to previous visitors to our site. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Any data collected will be used in accordance with our own privacy policy and Google’s privacy policy. The Cookies are valid for 30 days from creation. This is a third party cookie. You can control the ads that you see on Google and find out more about how the ads are selected for you by visiting www.google.com/settings/ads. Alternatively, you can also manage and opt-out of Google Adwords and other third party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Quantcast

Collect anonymous traffic data, similar to a web server log. Data parameters collected include referral URL, random number for cache busting, screen resolution, browser settings, and page URL. Quantcast do not collect personally identifiable information (PII) for measurement or targeting products. Cookie data will continue to aggregate as long as the pixels are live on site. These cookies are valid for 45 days from creation. This is a third party cookie. To find out more, visit the Quancast website. Alternatively, you can also manage and opt-out of Quantcast and other third party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Rocket Fuel

These are third party cookies used by Rocket Fuel ad servers (rfihub.com domain). We use their service to advertise our services on the internet. Rocket Fuel create and access three types of cookies:

  1. Session cookies that expire at the end of the session
  2. Persistent cookies that expire 18 months from the creation. However, the following persistent cookie expires 20 years from the creation. User Data. User id, which could be OPT_OUT
  3. Targeting cookies that expire 30 months from the creation These cookies help improve your online experience by displaying more relevant adverts. None of the Rocket Fuel cookies store or map to any Personally Identifiable Information. To find out more or to opt-out, visit the Rocket Fuel privacy policy. Alternatively, you can also manage and opt-out of Rocket Fuel and other third party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Social Media

This website uses the Facebook, Twitter and Linkedin remarketing services to advertise our content, products and services on these social media channels to previous visitors to our site. Any data collected will be used in accordance with our own privacy policy and the social network's privacy policy.

Detail around how you may opt out of receiving these cookies are found in the links below:

Xaxis

This website uses the Xaxis remarketing service to advertise our products and services on other websites to previous visitors to our site. Any data collected will be used in accordance with our own privacy policy and the Xaxis privacy policy. No personally identifiable data is collected or stored. This is a third-party cookie.

You can opt out of receiving customised third-party advertisements via Xaxis technologies by visiting www.xaxis.com/optout. Alternatively, you can also manage and opt-out of Xaxis and other third-party cookies by visiting www.youronlinechoices.com/uk/your-ad-choices.

Additional information

From time to time, we may embed external content from third party websites (e.g. Facebook, YouTube) within our website. We also partner with third parties who provide services for us which you can navigate to from our website. These third parties may use cookies. You can find out about their approach to cookies on their websites.

What if I don't want to accept cookies?

You can block or restrict cookies set by any website – including Lloyds Bank websites – through the browser settings on each browser you use, on each device you use to access the Internet.

Keep in mind

Please be aware that some of our services will not function if your browser does not accept cookies. However, you can allow cookies from specific websites by making them “trusted websites” in your Internet browser.

For more information on how to do this in popular web browsers (Internet Explorer, Google Chrome, Firefox and Safari), watch one of our short video guides on YouTube.

For information on how to do this on a wider variety of browsers go to All about cookies.



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