What are cookies?
A cookie is a simple text file which stores small pieces of information. When you visit one of our websites its server saves the cookie onto your computer or other device. Only that platform’s server will be able to read or retrieve the contents of that cookie.
Cookies do many different jobs like storing your preferences, helping you navigate effectively, and improving your overall experience of a website. Cookies make the interaction between you and our platforms quicker and easier. For example, a cookie might store information so you don’t have to keep entering it.
How does Standard Life use cookies?
Some cookies are needed to make our platforms work and can’t be turned off. Others are optional and you can change your preferences below. You can update your choice at any time by clicking the ‘cookie policy’ link at the bottom of any page.
Cookie preferences
How long are cookies saved for?
This depends on whether they are session cookies or persistent cookies.
Session cookies delete themselves once you close your browser. Session cookies can help with security, and also remember what you’ve done on previous web pages so you don’t have to re-enter information.
Persistent cookies stay on your device after you close your browser. They’re used for lots of different things – one example is remembering your cookie preferences between visits, so you don’t need to keep telling us which cookies to use. In case you’ve forgotten about them, or changed your mind, we’ll ask you to confirm your cookie preferences every six months. You can update your choice at any time by clicking the ‘cookie policy’ link at the bottom of any page.
What types of cookies does Standard Life use?
We use both first and third-party cookies on this site.
First-party cookies are set by the digital platform you’re using and aren’t shared elsewhere. Often these cookies are used to remember information about how you used a platform.
Third-party cookies are placed on your device by a website outside the one you’re on. For example, if you use a social media ’share’ button on a website, the social network (like Facebook) will put a cookie on your device so they know what you’ve liked. If you want to control how third parties can use your data then you need to set your privacy choices on their site. Here’s a list of third parties we work with in relation to cookies:
- Adalyser – Adalyser is an analytics platform used to measure the response to TV advertising.
Adalyser privacy policy - AWS – These are Amazon Web Service cookies used by our virtual chat provider EGain in order for the chat to function.
EGain cookie policy - Facebook – We use Facebook cookies to help target messages that might be relevant to you. These are classed as marketing cookies.
Facebook privacy policy - Glassbox – Glassbox is a web analytics service. We use these cookies to understand how users interact with our site. These cookies give Glassbox information used to compile anonymised reports summarising website activity. The IP address collected through Glassbox will not be associated with any other data held by Glassbox Digital. No other personal information, which allows the user to be identified, will be collected when visiting this website. These cookies are classed as Experience & Insight.
Glassbox privacy policy - Google – We use Google cookies for advertising purposes so that we can make our adverts more relevant to you and also so we can understand if our marketing is effective. Google’s third-party cookies are classed as marketing cookies.
Find out more about how Google uses this information - LinkedIn – LinkedIn is a business and employment-focused social media platform that works through websites and mobile apps. The company is owned by Microsoft.
LinkedIn privacy policy - MiQ – They use data analytics to help their clients (advertisers, media agencies, brands) advertise their ads on various websites that allow third-party advertising. They develop insights into the browsing behaviour of website users for their clients to develop targeted digital advertising campaigns for their clients that create a better user experience.
MIQ privacy policy - Microsoft – Microsoft owns Xandr, a company that provides an advertising technology designed to use information on Internet users that cannot identify them “in the real world”. We use Xandr cookies as part of our digital advertising, to make our adverts more relevant and understand their impact. These are third-party cookies, set on the adnxs.com domain, and are classed as marketing cookies.
Xandr cookie policy
Microsoft also owns the search engine Bing.com and we use Bing cookies to serve adverts to users on this search engine.
Microsoft privacy policy - Silverpop – Silverpop is managed by IBM. Silverpop cookies track a user’s journey through the site from an email. They are classed as Experience & Insight cookies.
IBM privacy policy - X – We use X cookies to help target messages that might be relevant to you. These are classed as marketing cookies.
X privacy policy - Reddit - Reddit is an American social news aggregation, content rating, and forum social network. Registered users submit content to the site such as links, text posts, images, and videos, which are then voted up or down by other members. We advertise on Reddit and the Reddit pixel allows us to track activity on our website that comes from a Reddit ad. Reddit privacy policy
The cookies we use
Strictly necessary cookies
| Cookie name | Purpose | Expires |
|---|---|---|
| CSRF | Lets us provide secure access to our online servicing area | Session |
| SLSSOCookie | Lets us provide secure access to our online servicing area | Session |
| SLG_CP_AUTH | Lets us provide secure access to our online servicing area | Session |
| JSESSIONID | Lets us provide secure access to our online servicing area and identify session | Session |
| agent-authn-tx | Lets us provide secure access to our online servicing area | 5 minutes |
| ARRAffinity | Lets us provide secure access to our online servicing area | Session |
| TS0* | ASM - WAF (part of the websites security / firewall protection) | Session |
| sl#cookiepreferences | Standard Life - Records whether or not you have accepted the use of cookies on our site | 6 months |
| sl#termsandconditions | Standard Life - Records whether or not you have accepted the terms and conditions of the retirement income tool | 31/12/9999 |
| sl#feedback | Standard Life - Records whether or not you have closed (unpinned) the feedback tab | Session |
| incap_ses_* |
Incapsula DDoS Protection and Web Application Firewall: cookie for linking HTTP requests to a certain session (AKA visit). Re-opening the browser and accessing same site are registered as different visits. In order to maintain existing sessions (ie, session cookie) |
Removed after browser closes |
| visid_incap_* |
Incapsula DDoS Protection and Web Application Firewall: cookie for linking certain sessions to a specific visitor (visitor representing a specific computer). In order to identify clients that have already visited Incapsula. The only cookie that is persistent for the duration of 12 months. |
Persistent for 12 months |
| nlbi_* |
Incapsula DDoS Protection and Web Application Firewall: Load balancing cookie. To ensure requests by a client are sent to the same origin server. |
Removed after browser closes |
| ___utmvc |
Web Application Firewall: To save the result of the clients (end users) Javascript classification. In order to identify whether the end user is a browser, application or a bot. |
Session |
| portfolioAnalyserTool | Records acceptance of user acceptance of website Terms and conditions | After a short time or when you close your browser |
| ADRUM* | AppDynamics - website server performance monitoring to help correlate browser data with server performance data | 30 seconds |
| SameSite | AppDynamics - website server performance monitoring to help correlate browser data with server performance data | 30 seconds |
| AEC | AEC cookies ensure that requests within a browsing session are made by the user, and not by other sites. These cookies prevent malicious sites from acting on behalf of a user without that user’s knowledge | 6 months |
| auth-jwt | Lets us provide secure access to our online servicing area | Session |
| appId | Used to provide secure access to our Personal Pension journey | Session |
| AWSALBCORS | This is an AWS load balancer managed session affinity cookie | 7 Days |
| AWSELBCORS | This is a session cookie set by AWS load balancer for session stickiness. | 7 Days |
| smartbanner-installed | Records if you have chosen to get the SL app. | one month |
| smartbanner-closed | Records if you have closed the app smart banner. | One month |
| RAT | Allows you to stay signed in when using the Raindrop service | One month |
| DGToken | Lets us provide secure access to our online servicing area | Session |
| accessToken | Lets us provide secure access to our online servicing area | Session |
id
Experience and insight cookies
| Cookie name | Purpose | Expires |
|---|---|---|
| dtCookie | Dynatrace - Tracks a visit across multiple requests | One Day |
| dtLatC | Dynatrace - Measures server latency for performance monitoring | One Day |
| dtPc | Dynatrace - Required to identify proper endpoints for beacon transmission; includes session ID for correlation | Session |
| dtSa | Dynatrace - Session timeout | One month |
| rxvisitor | Dynatrace - Visitor ID to correlate sessions | Two Years |
| rxvt | Dynatrace - Session timeout | Session |
| _ga | Google Analytics - Used to distinguish users | Two years |
| _gali | Google Analytics - Used to distinguish users | Session |
| _gid | Google Analytics - Used to distinguish users | 1 day |
| _gat_UA-218278-25 | Google Analytics - Used to throttle request rate | 1 minute |
| _dc_gtm_UA-218278-25 | Google Tag Manager. Used to manage all scripts on the website | 1 minute |
| _gat_UA-218278-20 | Google Analytics - Used to throttle request rate | 1 minute |
| _dc_gtm_UA-218278-20 | Google Tag Manager. Used to manage all scripts on the website | 1 minute |
| _gat_UA-218278-52 | Google Analytics - Used to throttle request rate | 1 minute |
| _dc_gtm_UA-218278-52 | Google Tag Manager. Used to manage all scripts on the website | 1 minute |
| _ga_JV41FVKP0L | Used to persist session state | 2 years |
| _ga_25VT30YKD7 | Used to persist session state | 2 years |
| _cls_s ROUTEID rto _cls_cfgver |
Glassbox - Glassbox is a web analytics service. We use these cookies to understand how users interact with our site. These cookies give Glassbox information used to compile anonymised reports summarising website activity. The IP address collected through Glassbox will not be associated with any other data held by Glassbox Digital. No other personal information, which allows the user to be identified, will be collected when visiting this website. | Session |
| _cls_v | Glassbox - Glassbox is a web analytics service. We use these cookies to understand how users interact with our site. These cookies give Glassbox information used to compile anonymised reports summarising website activity. The IP address collected through Glassbox will not be associated with any other data held by Glassbox Digital. No other personal information, which allows the user to be identified, will be collected when visiting this website. | 5 years |
| com.silverpop.iMAWebCookie | Silverpop - Visitor key assigned by Engage | 1000 days |
| com.silverpop.iMA.session | Silverpop - Page view session which logs a "Page View" event | 20 min |
| com.silverpop.iMA.page_visit | Silverpop - Site visit session which logs a "Site Visit" event | 20 min |
| _ga_* | Used by Google Analytics to store and count page views | 1 year |
| Silverpop_cookie | Tracks your journey through the site | Session |
| _ga_XCLD3G7RVW | Used to persist session state | 2 years |
| __adal_ca | Adalyser – this cookie stores which advertising campaign drove a user to visit | 6 months |
| __adal_cw | Adalyser - this cookie ties back conversion events to earlier visits | 7 days |
| __adal_id | Adalyser – this cookie is used to uniquely identify a device | 2 years |
id
Marketing cookies
| Cookie name | purpose | Expires |
|---|---|---|
| _uetsid | Bing (owned by Microsoft) - used by Bing Ads to store and track visits across websites | 1 day |
| _uetvid | Bing (owned by Microsoft) - used by Bing Ads to store and track visits across websites | 13 months |
| MSPTC | Bing (owned by Microsoft) - used to serve relevant adverts to users | 6 months |
| _fbp | Facebook - used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers | 3 months |
| _gcl_au | Google AdSense - takes information in ad clicks and stores it in a first-party cookie so that conversions can be attributed outside the landing page. | 3 months |
| _gcl_dc | Google DoubleClick - this is used to enable analytics and advertising across a range of Google ad platforms | 90 days |
| 1P_JAR | Google - this cookie carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website. Used for targeting / advertising campaigns | 1 month |
| ANID | Google - this cookie carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website. Used for targeting / advertising campaigns | One year |
| CONSENT | Google - this cookie carries out information about how the end user uses the website and any advertising that the end user may have seen before visiting the said website. | 18 years |
| DV | Google - targeted marketing | 5 mins |
| IDE | Google - used for Google advertising | 13 months |
| NID | Google - this cookie is set by DoubleClick (which is owned by Google) to help build a profile of your interests and show you relevant ads on other sites. | 6 months |
| OTZ | Google - OTZ is a cookie used by Google Analytics that provides an aggregate analysis of Website visitors | 30 days |
| receive-cookie-deprecation | Google - part of a Google Chrome experiment to identify if a user's browser is in specific test groups within Chrome’s Privacy Sandbox initiative. Websites must opt-in to use it. The cookie tracks group participation (e.g., "example_label_1") and it will be discontinued after the experiment. | 6 months |
| SOCS | Google - used to store a user’s state regarding their cookies choices | 13 months |
| test_cookie | Google - used to make Google Ads work | 15 mins |
| AnalyticsSyncHistory | LinkedIn - used by LinkedIn to store information about the time a sync took place | 30 days |
| bcookie | LinkedIn - used to identify devices accessing LinkedIn | 1 year |
| li_gc | LinkedIn - used by LinkedIn to store consent of guests regarding the use of cookies for non-essential purposes | 6 months |
| LinkedIn Insight Tag | LinkedIn - a snippet of JavaScript code that loads a small library of functions you can use to track Linkedin ad-driven visitor activity | 7 days |
| lidc | LinkedIn - used by Linked in to facilitate data centre selection | 1 day |
| li_sugr | LinkedIn - used by LinkedIn to identify users | 3 months |
| UserMatchHistory | LinkedIn - LinkedIn Ads ID syncing | 30 days |
| MUID | Microsoft - used by Microsoft Clarity to store and track visits across websites | 13 months |
| MiQ Pixels 1758892 1758893 1748894 |
The Pixel is a snippet of code that allows us to track ad-driven visitor activity on our website. The pixel is used to remember user preferences, provide users with offers that may be of interest to them, measure the effectiveness of advertising campaigns and to personalize online content. This pixel may be used to track individuals across different devices. |
7 days |
| Customisation | This cookie is installed to set up attribution of the visits of the user in order to serve relevant personalised content | 6 months |
| _twitter_sess | X - this cookie contains tracking information that X uses to improve their services and personalise | Session |
| Ct0 | X - set due to X integration and sharing capabilities for social media | Persistent |
| Guest_id | X - used to assist with targeting and bidding across their ad platform | 1 year |
| Lang | X - This cookie is set due to X integration and sharing capabilities for the social media | Session |
| Personalization_id | X - This cookie contains tracking information that X uses to improve their services and personalise ads | 1 year |
| anj | Xandr (owned by Microsoft) – used to show relevant digital adverts to users | 90 days |
| uuid2 | Xandr (owned by Microsoft) – used to show relevant digital adverts to users | 90 days |
| XANDR_PANID | Xandr (owned by Microsoft) – used to distinguish browsers and devices | 6 months |
| optimizelyEndUserId | Optimizely lets us test different bits of content or different page designs to see what works best in terms of engagement, so that we can make the right decision before implementing a change for everyone. This cookie stores a visitor's unique Optimizely Experimentation identifier. It is a combination of a timestamp and a random number. | 6 months |
| AWSELB | This is another Optimizely cookie. Only a small percentage of people will see it (less than 10% of visitors to our site). The cookie is used to collect performance data to make sure Optimizely is working correctly – no personal data is collected. | Session |
| optimizelyRumLB | This is another Optimizely cookie. Only a small percentage of people will see it (less than 10% of visitors to our site). The cookie is used to collect performance data to make sure Optimizely is working correctly – no personal data is collected. | Session |
| Reddit Pixel | Reddit - this code allows us to track activity from users who saw or clicked on our adverts on Reddit | 7 days |
id
How do I manage cookies?
When you turn off any non-essential cookies, and after you refresh or move away from this page, we will stop setting or using those cookies.
Cookies and your browser settings
You can use your browser settings to delete Cookies that have already been set at any time. You can also use your browser settings to manage Cookies to switch off a Cookie altogether. If you do this, it could mean that we can't use strictly necessary Cookies properly and so parts of our website may not work correctly.
For more information about how to use your browser settings to clear your browser data or to manage Cookies, check your browser ‘Help’ function.
Blocking or restricting Cookies
You can stop Cookies being used on your device by activating the setting on your browser that allows you to block the deployment of all or some Cookies. To find out how, visit all about cookies.
Please note, if you use your browser settings to block Cookies you may not be able to access all or parts of our website.
It is also important to know that rejecting Cookies will not delete any Cookies that have been saved to your device in the past. You can delete previously saved Cookies via your browser settings.
More information
Changes to this policy
We occasionally update our cookie policy. You should visit this page periodically if you want to keep yourself informed. Last updated on 22 November 2024.
Contact Information
We welcome your comments about this policy. DataProtection@thephoenixgroup.com .