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Cookie Policy

What are cookies

We want all of our services to be easy to use, useful and reliable. This includes our online services. In order for us to do this, we have to place small files, called cookies, on your device. Cookies cannot be used to identify you personally, but they do include a unique string of random letters and numbers used to identify your device. This string is your ‘identification card’, which can only be read by our servers.

Lots of websites use simple cookies to monitor how many visitors they get and how many of them visit the site more than once. They do this to analyse their website’s performance, so they can make improve their service. Some websites also rely on cookies to function properly. For example, some online shopping sites use cookies to remember your ‘shopping cart’, or remember what you’ve viewed on your last visit, to suggest items you might be interested in purchasing.


Where can I find out more about cookies?

If you’d like to find out more about cookies and how to manage them, you can visit the website. You can also find further information about cookies, including where to find them and how to delete them, in the ‘Help’ function within your internet browser (your browser might be Internet Explorer, Google Chrome, Firefox or another). If you use a mobile device, such as a phone or tablet, we suggest you consult the manual for your device, as these usually have specialised browsers.

It’s good to remember that if you switch off all cookies, it may significantly affect your browsing experience as many sites will not function correctly. 


How do we use cookies?

The cookies we use ensure that our website is useful and that all parts of it work properly.  Our cookies:

  • measure how many people use our website, so we can ensure it has the capacity to meet demand;
  • look at how visitors find our site, through search engines or direct web links
  • make sure that visitors do not see our website survey pop-up more than once per visit; and
  • our cookies enable you to use our online planners and calculators, where cookies record the information and produce results

None of our cookies used, can be used to identify you personally.


What cookies can we use?

All of the cookies we use are called ‘session cookies’; this means, they will delete themselves when you close your browser.

We also use Google Analytics to provide reports about visitors to our website. Google Analytics cookies do not collect any personal information. We use these types of cookies to help inform our website statistics, such as:

  • The number of people visiting our website (unique visitors)
  • The number of visitors who came more than once (returning visitors)
  • How many times each visitor came back to the website (number of visits)
  • How many times each page was looked at (page views)
  • Where each visitor got to our website from (referrer)

By understanding how the public uses our site, we can improve your customer experience. We also like to know how many people use our website so we can make sure our technical capacity is at it's optimum level.

Unlike our ‘session cookies’, Google Analytics cookies do not expire after you close your browser. They don’t collect any personal information about you, but if you’re concerned, we suggest you consult your browser’s help function to find out how to permanently delete them.


What cookies do other websites use on our behalf?

There are some parts of our website that can be shared over social media (Facebook and Twitter). This functionality is provided by a third party called “AddThis”. “AddThis” may place cookies on your system while you are visiting our website. You can read more about “AddThis'” privacy policy, and opt out if you prefer, on their website here.


What about the websites we link to?

We like to offer you links to other pages we think you might find beneficial; this includes and The Pensions Regulator. Our website, also allows you share and link with our social networking sites, such as Facebook and Twitter. None of these external websites are controlled by us. These websites all have their own privacy and cookie policies. We recommend you read our Legal page for further information about our policy on links to other websites.


Frequently asked...

Where can I find out more?

If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.

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