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Cookie policy

Cookies are small text files which are stored on your computer, tablet or mobile device when you visit some websites.

They enhance your browsing experience in various ways, which include remembering your preference settings, displaying relevant content and ensuring web pages function as intended.

We use cookies, web beacons and other similar technologies on our websites. In this policy, when we talk about cookies we also mean technologies that are similar or act in the same way.

By using our websites you consent to such cookies, web beacons and similar technologies being used.

 

The main types of cookie

Session cookies:

These only last for the duration of your visit and are deleted when you close your browser. Session cookies are typically used to track your movements between pages and to remember information entered within that session – often aiding website functionality or security.

 

Persistent cookies:

These are not deleted when you close your browser and will be stored after your visit. Persistent cookies are typically used to store your preferences for future visits and to provide targeted advertising based on your browsing activities and interests.

Please note: each of the categories below contains a combination of both session-based and persistent cookies. Cookies may include non-obvious personal information (e.g. information that does not include name, address, email address or telephone number). Cookies do not store your internet protocol address (IP address) but it may be passed through to third parties with the cookie by your browser. All information is encrypted for security.

 

The cookies we use

Strictly necessary cookies:

As the name suggests, these cookies are essential to help you use our websites and features to their full potential. Strictly necessary cookies are not used to gather information about you for marketing or research purposes.

For example, necessary cookies:

  • Support our online credit card application form.
  • Help to keep your information secure e.g. by monitoring the device you log in from.

 

Performance cookies:

These cookies collect details about your website activities, e.g. the pages you visited most often. We use this information to assess and improve our websites and monitor emails we send.

For example, performance cookies:

  • Provide us with analytics information including statistics about how customers use our websites.
  • Help us understand which browsers visitors use and the number of visitors to our websites.
  • Help us to identify service improvements.
  • Help us to test different website designs, new pages and personalise content.
  • Track whether emails we send are opened, which links are clicked in the emails, what operating system you use and what type of device you used. This information is provided by your email service provider and may include location data.
  • Monitor and/or record your activities on our websites for quality evaluation, training, legal and regulatory purposes including which webpages have been viewed, mouse movements on the page and key strokes.

We use trusted third parties to deliver these services including a web analytics service provided by Google Analytics on our websites. This service uses a third party cookie set by Google Analytics to track and evaluate website usage such as pages visited, how long you stay on the website and web clicks so that they can compile reports for us.

 

Functionality cookies:

These cookies make our website easier to use by remembering choices you’ve made, e.g. visual display settings which make our website more accessible. They help us provide things like video content, or adverts about relevant products and services. We may also use them to test new page designs.

For example, functionality cookies:

  • Store your preferences.
  • Identify you as an existing MBNA customer.

 

Targeting/advertising cookies:

These cookies are used to deliver advertisements more relevant to your personal interests, limit the number of times you see any particular advert and measure their effectiveness - this is also known as behavioural advertising. Cookies record your visit and website activities to be used for marketing purposes - information may be shared with third party organisations, such as advertisers.

For example, targeting cookies:

  • Securely provide information, so advertisers can display more relevant content.
  • Limit the number of times you see any individual advert.
  • Help us measure the effectiveness of advertising campaigns.
  • Help us to target our advertising to the right audience.

We often enlist the expertise of trusted third parties to help us with this for example third party advertising networks and social media platforms who may serve you with targeted adverts while you are on third party sites. Just be aware that third parties will have their own cookie and privacy policies and they may be different from ours, for example social media platforms may use information they hold about you in order to deliver adverts relevant to your interests. Please refer to their policies for details of how they use this information and how to opt out. Some third parties may give us information about you (such as sites you have visited) which we may use to provide you with more relevant advertising when you visit our site.

MBNA may use personal information we hold about you to select marketing offers that might be relevant to you. We may use third-party companies to execute these advertising programmes, to do this we may share non-obvious personal information (e.g. information that does not include name, address, email address or telephone number) with third parties that display or arrange to display our advertisements in order to serve you with targeted adverts.

Look for the AdChoices icon on MBNA advertisements you see anywhere online, other than on our own website. Selecting it will give you access to more information and the opportunity to opt out.

To learn more:
Read about the Internet Advertising Bureau’s Online Behavioural Advertising Framework at: iabeurope.eu/news

To learn about privacy and behavioural advertising, visit: youradchoices.com

 

Cookie settings

You can control how cookies are placed on your computer or mobile device by changing your internet browser settings. You can also allow cookies from specific websites by making them ‘Trusted websites’.

You can delete existing cookies from your browser and if you completely disable cookies we won’t gather any further information, but we may still use information we’ve collected in the past.

If you would like to prevent data being used by Google Analytics you can download and install the Google Analytics opt-out browser add on from https://tools.google.com/dlpage/gaoptout

Please note: if you use multiple internet browsers/computers/mobile devices, you’ll need to update your settings on each in order to disable cookies completely.

Important: restricting cookies could mean you experience difficulty when using some online services. As an example, you may not be able to complete our online application form, as it relies on cookies to deliver critical functionality.

 

External links

On our websites you may find links to external websites - these are provided for your convenience, but we don’t endorse, guarantee or monitor products, services, or views which they offer or express. Please be aware that these websites should be covered by their own cookie and privacy policies.

 

Want to know more?

To read a guide about cookies from the Interactive Advertising Bureau, visit: allaboutcookies.org

To find out more about how your information is used by MBNA when you use MBNA’s websites please see our privacy policy.

 

Cookie policy changes

MBNA may change this cookie policy from time to time. When such a change is made, we will post a revised version online. Changes will be effective from the point at which they are posted. It is your responsibility to review this cookie policy periodically so you’re aware of any changes. By using our websites you accept this policy and that we may store and access cookies on your device.

This cookie policy was last reviewed in February 2017.

This cookie policy is published by MBNA Limited. Registered Office: Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered in England and Wales under company number 02783251.

If you need assistance, please contact us.

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