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Cookies

Cookie Policy

This policy is written to help you understand how and why Yorkshire Building Society (trading as Chelsea Building Society) use cookies.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie. They are useful because they allow a website to recognise a user’s device.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

When you visit a website, ‘session cookies’ are placed on your computer for the time you spend on the website and clear when you close your browser. Other types of cookies, called, ‘persistent cookies’ remain on your computer for a longer period until they are set to expire or until you use the browser function to clear cookies.

When you visit our website, you will see a banner appear to advise that the website uses cookies. This will continue to appear until you click on the cross to close the banner or click the link to find out more about cookies and how we use them.

More about cookies

The policy below sets out how and why we use cookies. However, you can find out more about cookies generally at: www.allaboutcookies.org.

There are also links to other information at the end of this policy.

How does the Chelsea use cookies?

We use cookies to:

  • Improve your experience by making it quicker and easier for you to use the website
  • Identify what stage in an application process you are at
  • Enable you to log in and manage your savings and mortgage accounts
  • Identify how effective our advertising is and provide you with information in the future that we believe is relevant to you

We do not use cookies to:

  • Store your password or memorable data for accessing your accounts online

 

The types of cookies we use

1. Strictly necessary cookies

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided.

We use strictly necessary cookies to:

  • enable the website to work effectively
  • help keep your session secure
  • enable you to log-in and vote in our AGM

Examples of strictly necessary cookies we use are:

Purpose Expiry Cookie Name
To direct your requests to the correct place At the end of your browsing session SS_X_JESSIONID
To remember the details entered into either the repayment calculator or the mortgage product finder tool so you can return to the product finder tool or repayment calculator without having to re-enter all your details At the end of your browsing session mortgageSearchDetails
To allow you to search our FAQs At the end of your browsing session YBS-faqsToken
.
2. Performance cookies

These cookies collect information about how visitors use a website, 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 website works.

We use performance cookies to:

  • check if you have cookies enabled
  • identify what stage in an application process you are at
  • help us understand how our website is used so we can improve customer experience
  • help us improve the content on our website
  • help us understand what errors occur so we can fix them

Our performance cookies will not store any personal information about you unless you proceed with an application, at which point details of where your enquiry originated may be linked to your customer record.

Examples of performance cookies we use are:

Purpose Expiry Cookie Name
To check if you have cookies enabled At the end of your browsing session check
To count the number of visits made to the website by a user After 1 day s_invisit
To determine what percentage of a webpage was displayed to a user At the end of your browsing session s_ppv & s_ppvl
.
3. Customisation cookies

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, these cookies can 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 to remember information that you have already provided on previous visits to a website.

We use customisation cookies to:

  • store preferences that you select, such as font size
  • remember your username or customer number, if you’ve asked us to
  • remember if we've asked you to fill in our online survey
  • remember the options available to you through our online appointment booking system throughout your session

Examples of customisation cookies we use are:

Purpose Expiry Cookie Name
To remember the appointment options available to you through our online booking system At the end of your browsing session appointmentBooking
To determine if you have filled in an online survey At the end of your browsing session general_ybs
To remember what stage you have reached in a mortgage Approval in Principle application After 1 month ybs_c16
.
4. Targeting cookies

These cookies are used to deliver adverts that are more relevant to you and your interests. For example, if you're looking for a mortgage, you might see more advertisements for mortgages - simply because the cookie has detected what you're looking for. They are also used to limit the number of times you see an advertisement, as well as help measure the effectiveness of advertising campaigns.

Targeting cookies are usually placed by third parties such as advertising networks with the website operator’s permission, so they are usually linked to site functionality provided by the third party organisation.

We use targeting cookies to:

  • Identify how effective our advertising is and provide you with information in the future that we believe is relevant to you

We work closely with some third party companies who provide services such as customer feedback, management information, advertising, and social networking. In these cases, the third party organisation may set their own cookies which are controlled by them and covered by their own policies:

Purpose Third Party More Information: Third Party Cookie Policy
To measure and improve the effectiveness of our advertising Bing (BingAds) about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-privacy-policy
Facebook www.facebook.com/policies/cookies/
Google (AdWords, Remarketing, DoubleClick Bid Manager) policies.google.com/technologies/types
VisualIQ (Tapad, eXelate) www.visualiq.com/privacy

Please note YBS is not responsible for the content of external websites.

You can turn off targeting cookies only by blocking specific companies if you’d prefer. You will still receive advertising on the internet, but the ads you see may not be as relevant to you and your interests.

You can set your preferences here: www.youronlinechoices.com/uk/your-ad-choice

Lawful consent

Cookies are needed to enable you to get the full experience from our website and services.  By using our website, you're consenting to our use of cookies as outlined above.

You can, of course change your cookie settings at any time through your browser.

Changing your cookie settings

If you decide to change your cookie settings, you can do so via your browser’s settings.  Each browser works in a different way, so you'll need to search for 'cookie settings' in your browser's help section to find out how to do this.

Cookies are stored locally to each browser and device so if you have multiple devices (computer, mobile phone, tablet etc.) or use different browsers, you will need to apply your chosen settings to each.

It is important to note that YBS cannot guarantee the performance of our website if you block some or all cookies.  You may also be asked to re-enter information that would otherwise be remembered.  If you modify your browser settings, you can start accepting cookies from YBS again at any time.

Further information about cookies

  • The European Interactive Digital Advertising Alliance website Your Online Choices allows you to install opt-out cookies across different advertising networks.
  • Google has developed a browser add-on to allow users to opt-out of Google Analytics across all websites which use it. This is also available in the available in the Chrome web store.
  • Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to indicate a preference that websites should not track you. However, whilst DNT is available in many browsers, websites are not required to recognise its request, so it may not always work. You can get help on how to use DNT in Microsoft Edge, Internet Explorer, Firefox, Chrome, Safari and Opera.
  • Internet Explorer has a feature called Tracking Protection Lists which allows you to import a list of websites you want to block.

For more information on how private browsing works as well as its limitations, visit the support pages for your browser: Microsoft Edge, Internet Explorer, Firefox, Chrome, Safari ( mobile and desktop) and Opera.