Cookies Policy  


  • Does the site use cookies?


The web site uses a small number of non-intrusive cookies.


Cookies are small text files that are placed on your computer, mobile phone or tablet by web sites that you visit. They are widely used in order to make web sites work, or work more efficiently, as well as to provide information to web site owners.


  • What types of cookie does the site use?


We use cookies to (i) remember your browsing preferences when you visit the web site so that we can give you a better site experience and (ii) collect anonymous statistical information about the way you use the web site so that we can improve the way the web site works (for example, we collect information about the number of visitors to the various parts of the web site).


The cookies we use are used by most web sites. None of your personal details are held in these cookies. The bullet points below describe the cookies that the web site uses and why:


  • Targeting or advertising cookies


These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the web site operator’s permission. They remember that you have visited a web site and this information is shared with other organisations such as advertisers.


  • Essential 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 cannot be provided.


  • Performance cookies

These cookies collect information about how visitors use a web site, for instance 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. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a web site works.


  • Functional 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, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for 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 web sites.


  • Google Analytics

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited. For further details visit


  • How can the cookies be removed?


You may refuse to accept cookies by activating the setting on your internet browser which allows you to refuse the setting of cookies. For more information about cookies including how to set your internet browser to reject cookies please go to


To opt out of Google Analytics visit



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Terms & Conditions

It is our intention to provide you with the highest possible level of customer service at all times. However we recognise that things can go wrong on occasion and if this occurs we are committed to resolving matters promptly and fairly.

Should you not be satisfied with our final response, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). More information is available on request or on their website,

We are also required to inform you of the availability of the Online Dispute Resolution platform to assist you if we are unable to resolve your Complaint. However, this service will refer your Complaint to the Financial Ombudsman Service, so you may instead wish to contact them directly. More information is available on their website.