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A cookie (called an Internet or Web cookie) is the term given to describe a type of message that is given to a Web browser by a Web server. The main purpose of a cookie is to identify users and possibly prepare customized Web pages or to save site login information for you.
When you enter a Web site using cookies, you may be asked to fill out a form providing personal information; like your name, e-mail address, and interests. This information is packaged into a cookie and sent to your Web browser, which then stores the information for later use. The next time you go to the same Web site, your browser will send the cookie to the Web server. The message is sent back to the server each time the browser requests a page from the server.
A Web server has no memory so the hosted Web site you are visiting transfers a cookie file of the browser on your computer's hard disk so that the Web site can remember who you are and your preferences. This message exchange allows the Web server to use this information to present you with customized Web pages. So, for example, instead of seeing just a generic welcome page you might see a welcome page with your name on it.
Also called a transient cookie, a cookie that is erased when you close the Web browser. The session cookie is stored in temporary memory and is not retained after the browser is closed. Session cookies do not collect information from your computer. They typically will store information in the form of a session identification that does not personally identify the user.
Also called a permanent cookie, or a stored cookie, a cookie that is stored on your hard drive until it expires (persistent cookies are set with expiration dates) or until you delete the cookie. Persistent cookies are used to collect identifying information about the user, such as Web surfing behavior or user preferences for a specific Web site.
Cookies have six parameters that can be passed to them:
Cookies normally do not compromise security, but there is a growing trend of malicious cookies. These types of cookies can be used to store and track your activity online. Cookies that watch your online activity are called malicious or tracking cookies. These are the bad cookies to watch for, because they track you and your surfing habits, over time, to build a profile of your interests. Once that profile contains enough information there is a good chance that your information can be sold to an advertising company who then uses this profile information to target you with interest specific adverts. Many antivirus programs today will flag suspicious spyware or adware cookies when scanning your system for viruses.
When choosing a privacy setting in your browser, two terms you will see are "first-party cookies" and "third-party cookies". First party cookies are those cookies that originate from (or be sent to) the Web site you're currently viewing. These types of cookies usually will contain information about your preferences for that particular Web site. These cookies are usually Third-party cookies originate from (or will be sent to) a Web site that is not the site you are visiting. For example, if the Web site you are on using third-party advertising those third-party advertising Web sites may use a cookie to track your Web habits for marketing purposes.
While some may simply choose to block all cookies, it can make Web surfing difficult if you do this. For example if you shop online, many e-commerce shopping carts that have been implemented with cookies will not work. Sites you frequently visit which enable you to personalize content also will not show your preferences when you visit if you delete or disable that cookie.
Most cookies, despite some misconceptions, are legitimate files and will not invade your privacy. Once you get in the habit of reviewing the cookies associated with your browser and manage them on your own by way of deleting malicious cookies or trying different browser privacy settings, you can still keep the good cookies that make surfing a breeze, yet keep the bad cookies that may be tracking your surfing habits off your system.
Did You Know...
The name cookie derives from UNIX objects called magic cookies. These are tokens that are attached to a user or program and change depending on the areas entered by the user or program.
We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.) Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority however the information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK. Your home may be repossessed if you do not keep up repayments on your mortgage.