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Last updated May 2018

Our Cookies policy explains how we use cookies and other internet tracking software. It also explains the choices you can make about whether we can put some types of cookies on your PC, tablet or mobile phone.

In this policy, where we say 'cookies' it can also mean other software that collects data while you use our websites and mobile apps.

Data we collect will be held by Cardnet, which is part of Lloyds Banking Group. We use this data to:

We may share this data with other companies in the Group. We also share some data with outside organisations. Some of them may place their own cookies on your device when you visit our website. You can find out more about how we share data – and who we share it with – in our Privacy notice.

We do not sell data to organisations outside our Group.



What are cookies?

Cookies are small files that are sent to your PC, mobile phone or tablet when you visit a website. They stay on your device and are sent back to the website they came from when you visit it again. Cookies collect data and send it to us while you use the site. These are written into mobile apps and web pages that you go to on your device.

Session and persistent cookies

All cookies are either session cookies or persistent cookies.

Session cookies last for the length of your visit to a website. They delete themselves when you close your browser. Session cookies can help with security. For instance, they can keep you logged on as you move around a website.

Persistent cookies stay on your device when you close your browser. They are used for many jobs. For instance, they can remember your User ID for websites where you log on. They can also store your choices for when you go back to a website.

Organisations find them useful to see how people use their websites. They can also be used to tailor the ads and marketing you see on social media, apps and other websites.

First and third party cookies

Whether a cookie is first or third party depends on where it comes from.

First party cookies are set by websites you go to.

Third party cookies are set by outside organisations. For instance, you may be on a website that has ‘Like’ and ‘Share’ buttons for social network sites. If you click one, the social network site will put a ‘third party’ cookie on your device. That cookie may then collect data about you and send it to them too. You will need to set your privacy choices on their site, to tell them how they can use your data.

We use our own cookies and others from companies we work with such as social media, search engines, other advertising networks, and our business partners.

Essential cookies and cookies you can choose

Different types of cookies do different jobs on our website. Some are needed to make the website work. We need your consent to use others that are not essential. You can change your choices at any time. Just click the 'Cookies' link at the end of any page.

Category

What they do

My choices

Strictly necessary

These cookies are needed to run our website, to keep it secure if you are logged on and to obey regulations that apply to us.

If you are a customer, they help us know who you are so that you can log on and manage your accounts. They also help us keep your details safe and private.

Other important jobs they do are:

  • Help you move around the site
  • Tell us if you’ve been to it before and which pages you went to
  • Tell us how the site is working, so we can find and fix any problems.

You can’t turn off these cookies

Functional

These cookies are used for remembering things like:

  • Your user ID on the log on page
  • Your region or country
  • Your preferred language
  • Accessibility options like large font or high contrast pages.

You can’t turn off these cookies

Performance

These cookies tell us how you and our other customers user our website. We combine all this data together and study it. This helps us to:

  • Improve the performance of our services
  • Improve the products we provide.

We’ll ask for your consent to use these cookies

Marketing

These cookies help us decide which of our products, services and offers may be relevant for you.

We may use this data to tailor the marketing and ads you see on our own and other websites and mobile apps, including social media. For instance, you may see our ads on other sites after you have been to our website.

If you turn off marketing cookies, you will still see ads online, but they will not be tailored to things that may interest you.

We’ll ask for your consent to use these cookies

Performance and marketing cookies

Lloyds Banking Group is changing its websites to make sure we ask for your consent to use these cookies. It will take some time to update all our systems. Until then, you won't be able to make your choices on some websites run by companies within our Group. This means you may still see tailored marketing and ads from us during this time, even if you would prefer not to. We will update this cookies policy as soon as the work is complete.

Keep in mind

Multiple users

If more than one person uses your device, the choices set up by other people will apply to you as well unless you change them. For example, if you share a computer with your family, you may see ads based on sites they have visited as well as sites you have visited.

Cookies with more than one use

Some of our cookies collect data for more than one use. We will only use these cookies for their essential purposes unless you have given your consent to any other uses they have.

Cookies that are already on your device

Turning off one or more types of cookies will not delete any that have been downloaded in the past. We may still use data we collected up to that point, but will stop collecting new data.

Managing cookies choices in your browser

You can turn off or delete cookies in your browser. If you do this, it may affect sites that use similar cookies to us.

Cookies choices you set in your browser replace any you set on a single website. For instance, if you run an ad blocker on your browser, you won't see ads that are tailored to you, even if you have turned on marketing cookies.

Find out how to manage cookies in common browsers (Internet Explorer, Chrome, Firefox and Safari) on the Information Commissioners’ Office (ICO) website.

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.