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KMB Money Cookies Policy

Protecting and managing your online privacy

KMB Money Financial Services Limited (“KMB Money”) is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. Most websites you visit will use cookies in order to improve your user experience by enabling that website to ‘remember’ you, either for the duration of your visit (using a ‘session cookie’) or for repeat visits (using a ‘persistent cookie’).

Cookies have many different uses, such as allowing you to navigate between pages efficiently, storing your preferences, and generally improving your experience of a website. Cookies make the interaction between you and the website faster and easier. If a website does not use cookies, it will think you are a new visitor every time you move to a new page on the site – for example, when you enter your account login details and move to another page it will not recognize you and it will not be able to keep you logged in or if you commence a Live chat session, the following time you chat, they would not remember your visitor ID and last chat date.

Some websites will also use cookies to enable them to target their advertising or marketing messages based for example, on your location and/or browsing habits.

Cookies may be set by the website you are visiting (‘first party cookies’) or they may be set by other websites who run content on the page you are viewing (‘third party cookies’).

What is in a cookie?

A cookie is a simple text file that is stored on your computer or mobile device by a website’s server and only that server will be able to retrieve or read the contents of that cookie. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier and the site name and some digits and numbers. It allows a website to remember things like your preferences.

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 such changes shall appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to any such changes.

With regard to the new requirements on cookies following the revision of the e-Privacy Directive, KMB Money is working towards implementing the new requirements in line with guidance from the Information Commissioner’s Office.

Types of Cookies

KMB Money uses four different categories of cookies. These include strictly necessary cookie, functionality cookies, performance cookies and marketing cookies. They all work in the same way, but have minor differences:

Strictly necessary cookies

Some cookies are strictly necessary in order to enable you to move around the website and use its features. Without these cookies, we will not be able to determine the number of unique users of the site or provide certain features, such as automatic sign in to My KMB Money services.

Functionality Cookies

Functionality cookies record information about choices you’ve made and allow us to modify the website to you. They may also be used to provide services you have requested such as watching a video. The information these cookies collect is anonymous (i.e. it does not contain your name, address, account details, etc.) and they do not track your browsing activity across other websites.

Performance cookies

We use Performance cookies across KMB Money websites for internal purposes to help us to provide you with a better user experience. Information supplied by cookies helps us to understand how our visitors use KMB Money websites so that we can improve how we present our content to you. They also allow us to test different design ideas for particular pages, such as the KMB Money Homepage. These cookies may be set by a third party company (third party cookies).

Marketing 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.