Last Update: July, 09 2018
What information we collect and maintain about you
Personal Information. You can visit the Site without submitting any personal information. However, we collect your personal information when you provide it to us. For example, if you would like to subscribe to our newsletter, we ask you to provide your email address. In addition, if you contact us through email, Facebook or Twitter you may provide us with additional personal information such as your name or other identifying information. We may also collect, when you provide it, your name, phone number, physical address, and date of birth. “Personal Information” is any information that can be used to identify you or that we can link to you.
When you choose to apply for a credit card or other financial product featured on the Site, you will be directed to a secure page on the financial institution’s website where you will provide the information required to be considered for the financial product or service. Thebudgetmonkey does not collect or receive the information you input on that financial institution’s or company’s site.
Other Information. We automatically collect certain “Other Information” that does not directly identify you when you use, access, or interact with our Site. This may include information such as your IP address and domain name, your Internet service provider, the date and time of your visit, your use of the Site during your current session and over time (including the pages you view and the files you download), the URLs from the websites you visit before and after navigating to the Site, your computer’s operating system and browser type, your software and hardware attributes (including device IDs such as IDFA and/or Advertising ID), and your general geographic location (e.g., your city, state, or metropolitan region). We use the following technologies to collect Other Information.
- Web log data.When you visit the Site, we automatically receive and record certain information from your computer (or other device) and your browser. To obtain such information, we may use web logs or applications that recognize your computer and gather information about its online activity.
- Web beacons. The Site or the emails that you receive from Thebudgetmonkey may use an application known as a “web beacon” (also known as a “clear gif” or “pixel tag”). A web beacon is an electronic file that usually consists of a single-pixel image. It can be embedded in a web page or in an email to transmit information, which could include personal information. For example, it may allow our email sender to determine whether a user has opened a particular email.
Third-party online tracking and behavioral advertising. We also may partner with certain third parties to collect, analyze, and use some of the Personal and Other Information described in this section. For example, we may allow third parties to set cookies or use web beacons or other tracking mechanisms (such as tags or scripts) on the Site or in email communications from us. This information may be used for a variety of purposes, including online behavioral advertising, as discussed below (see the section entitled “Third-Party Analytics and Advertising”).
How We Use Your Information
Thebudgetmonkey uses the information that we collect for a variety of purposes. If we have Personal Information about you, we may use it, for example:
- to respond to your questions or requests concerning the Site or other services offered by us;
- to fulfill the terms of any agreement you have with us;
- to fulfill your requests;
- to send you information about our Site and other topics that are likely to be of interest to you, including surveys, newsletters, updates, or other communications;
- to deliver notifications and similar operational communications;
- to improve your user experience and the quality of our Site;
- to comply with legal and/or regulatory requirements; and
- to manage our business.
We use the Other Information that we collect for such purposes as:
- counting and recognizing visitors to the Site and analyzing how visitors use the Site;
- improving the Site and enhancing users’ experiences with the Site;
- creating new products and services or improving our existing products and services;
- engaging in analytics or targeted advertising as described below in the “Third-Party Analytics and Advertising” section; and
- for any other business purpose permitted by law, including any purpose for which we use Personal Information.
Thebudgetmonkey may link Other Information gathered using cookies and web beacons with Personal Information. But in that event, we will treat the combined information as Personal Information.
How We Share Your Information with Third Parties
We share your Personal Information and Other Information with other parties for a variety of purposes, as described below.
Affiliates. We may share Personal and Other Information with our corporate affiliates for the purposes described in this Policy.
Third-party service providers. Thebudgetmonkey uses third-party service providers that perform services on our behalf, including web-hosting companies, emailing vendors, and analytics providers. These service providers may collect and/or use your Personal or Other Information to assist us in achieving the purposes discussed above.
We may also share your Personal or Other Information with other third parties when necessary to fulfill your requests for services; to meet the terms of any agreement that you have with us or our partners; or to manage our business.
Your direct sharing of personal information through the Site or third-party websites and services. The Site may enable you to share Personal Information with other users of the Site or with websites or online services operated by third parties. For example, the Site may permit comments to be submitted on articles and contain links to third-party websites that incorporate comment and social media features. The Site may also contain Facebook “like” buttons and Twitter “follow” buttons and may contain similar features of other third parties. If you choose to use these features, you may disclose your Personal Information not just to the Site and third-party websites and services, but also to their users and the public more generally. Because the third-party websites and services are not operated by Thebudgetmonkey, we are not responsible for the content or practices of those websites or services. The collection, use, and disclosure of your Personal and Other Information on third-party websites and services will be subject to the privacy policies of the third party websites or services, and not this Policy.
Legal purposes. We also may use or share your Personal or Other information with third parties when we believe, in our sole discretion, that doing so is necessary:
- to comply with applicable law or a court order, subpoena, or other legal process;
- to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of our terms and conditions, or situations involving threats to our property or the property or physical safety of any person or third party;
- to establish, protect, or exercise our legal rights or defend against legal claims; or
- to facilitate the financing, securitization, insuring, sale, assignment, bankruptcy, or other disposal of all or part of our business or assets.
Aggregated information. From time to time, Thebudgetmonkey may also share aggregated information about Site users, such as by publishing reports on trends in the usage of the Site or interest in the types of products or services featured on the Site.
Third-Party Analytics and Advertising
Advertising. The Site also enable third-party tracking mechanisms to collect your Other information for use in online interest-based advertising. For example, third parties may use the fact that you visited our Site to target online ads to you. In addition, our third-party advertising networks might use information about your use of our Site to help target advertisements based on your online activity in general. For information about interest-based advertising practices, including privacy and confidentiality, visit the Network Advertising Initiative website or the Digital Advertising Alliance website.
To opt-out of receiving marketing communications or newsletters from us by following the instructions in those emails or by sending us a message through our contact page.
If you want to learn more about the Personal Information that we have about you, or you would like to update or change that information, please contact by sending us a message through our contact page.
Data Retention and Deletion
We retain information for as long as reasonably necessary to deliver our Site to you, to fulfill the purposes described in this Policy, or as required by law. To request the deletion of your Personal Information, please send us a message through our contact page.. We will make our best effort to delete all Personal Information about you. However, please note that certain information, including Other Information, may be retained in backup databases.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we employ commercially reasonable physical, technical and administrative procedures to safeguard the personal information we collect online. However, we cannot ensure or warrant the security of any information you transmit to the Site or to us, and you transmit such information at your own risk.
The Personal and Other information that we collect through or in connection with the Site is transferred to and processed in the United States for the purposes described above. Thebudgetmonkey also may subcontract the processing of your data to, or otherwise share your data with, affiliates or third parties in the United States or countries other than your country of residence. The data-protection laws in these countries may be different from, and less stringent than, those in your country of residence. By using the Site or by providing any Personal or Other Information to us, you expressly consent to such transfer and processing.
Content on this Site is directed at individuals over the age of 18.
Changes to This Policy
Thebudgetmonkey may make changes to the Site in the future and as a consequence will need to revise this Policy to reflect those changes. We will post all such changes on the Site, so you should review this page periodically. If we make a material change to the Policy, you will be provided with appropriate notice.
How to Contact Us
Terms of Service
Please read the following terms of service before accessing this Website (Thebudgetmonkey.com; the “Website”). By accessing or using this Website, you agree to be bound by the terms and conditions set forth below. This agreement can be modified at any time, and such modifications shall be effective immediately upon posting of the modified agreement on this Website. Your continued access or use of this Website shall be deemed your conclusive acceptance of the modified agreement.
The contents of this Website are provided for informational and entertainment purposes only, and should not be construed as financial or legal advice. Because this Website is intended to provide general information only, you should discuss your specific needs with a qualified professional.
While the information shared on this Website is believed to be accurate and reliable, the owners/operators of this Website specifically disclaim all warranties, express, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein.
Third Parties: Because the terms of third-party offers referenced on this Website are subject to change without notice, visitors are encouraged to independently verify the terms of any such offers prior to participating in them.
Comments: Individuals leaving comments on this site are solely responsible and liable for the contents of their comments.
We want this site to be an independent source of financial information you can trust. Period.
Thebudgetmonkey offers advertisers the opportunity to sponsor articles, in which case the sponsored article is clearly labeled “sponsored” and additional disclosures will be contained in the body of the article.
Also, per U.S. laws and regulations, if a writer blogs about a stock that he or she owns, we’ll disclose that fact at the end of the article. Also, if we receive a free product (such as a book) and write about it, we’ll disclose that fact in the article or at the end of the article.
We’re able to produce our little Website here and keep food on our tables thanks to advertisers. Some of these ads you see as banners across the top and sides of the site. Others are what’s known as affiliates. This means they pay us if somebody reads about the product here and later tries their service or buys their product. We may link to these advertisers within some posts that serve as reviews or comparisons of certain products or services.
- We go to great lengths to vet every affiliate we recommend. If it’s not something we would use ourselves, we won’t link to it.
- If there is a better product or service out there that doesn’t have an affiliate program, we’ll still tell you that it’s better.
- We make every effort to disclose affiliate links and relationships either in the context of the article or at the end of the article copy.
It’s our philosophy that you, our readers, are intelligent humans capable of making informed decisions about financial products and services, and we hope our content can aide in those decisions. Therefore, we try the best we can not to allow an affiliate relationship to influence our content. We do not, for example, promote affiliate advertisers if we would not personally use their products or services ourselves. That said, we totally realize that in some cases this type of relationship may create the appearance of a conflict of interest. As such, please let us know if you feel we are working with an advertiser that does not belong or if any content has been unduly influenced by an affiliate relationship.
thebudgetmonkey (.) com Effective: 06 July 2018
- About Us
- Collection of Information
- Our Legal Bases for Using Personal Information
- How We Use and Share Personal Information
- Access & Control of Your Information
- Retention of Personal Information
- Cookies and Similar Technologies
- What Cookies Do We Use and Why?
- Managing Cookies
- Changes to This Policy
- Privacy Tools
- Contact Us
Taking this information as an advice
The Content is made available solely for general information purposes, is generic in nature, is not intended as individual advice and is not financial or legal advice. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on the site by you or any other visitor to the Site or other Services platforms, or by anyone who may be informed of any of its contents.
Please take into consideration that any action made due to an article is written on the site is
Collection of information
Registration, forums, apps and your dealings with us
We collect information about you when you provide it to us; for example, when you fill out our online forms, subscribe to one of our titles, enter a competition being run on our website, respond to our promotions, comment, engage or participate in website discussion.
Information from devices
Posts, comments and interaction
If you interact, for example by using polls, comments, text messages, video, or email, we may display this content indefinitely in any relevant context, subject to our editorial judgment and your rights as set out in this Policy. This may be anonymized in the case of testimonials or customer service conversations.
If you take part in any reader or listener forums, or send us letters for publication, then you may be identifiable to others publicly and your comments attributed to you.
Public information and posts
Any information about yourself or others that you post on our social media pages, on platforms like Twitter, Facebook and other chat rooms, blogs and forums, will be viewed by other people (including search engines), over whom we have no control. You are responsible for the information you choose to post or otherwise make available in such public areas, and you acknowledge that this may be collected and used by third parties.
When you visit our website, advertising networks and other intermediaries select and then display ads on your device.
These companies, generally collect information from your device to help select ads that they believe are more relevant to you. They also use this information to tell advertisers that the ads have been delivered and seen. You can find out more in the Cookies section of this Policy.
Our Legal Bases for Using Personal Information
All organisations need a legal reason to use your personal information. If they don’t have one, they can’t use it. There are a number of legal grounds that enable data processing. Below are the most relevant grounds you should be aware of.
With your consent
There are some activities where we process personal information with your consent. For example, where we want to send you marketing messages by email, we would ask your permission first and you could opt-out at any time. However, if you opt-out or withdraw consent, we may not be able to provide the product or service you have requested.
To enter into and fulfill a contract
We also process your personal information in order to fulfill a contract we have with you. For example, we would use your information to provide you with access to your digital subscription or other products you have signed up for or to provide a prize to which you are entitled.
For a legitimate interest
We may use your information where there is a legitimate reason to do so. For example, we may use your information where it would help achieve our business objectives or to facilitate a benefit to you or someone else.
We only rely on legitimate interests if the reason for using your information is fair and lawful. Where we want to rely on legitimate interests as a legal basis, we will carry out a balancing test between our legitimate interests and your privacy rights.
Our legitimate interests in processing personal data include:
- to support a free press, including journalistic activities of societal importance;
- to support individual and societal rights to receive information;
- to develop, deliver and maintain relevant and engaging products services and advertising;
- understanding when our audiences engage with us or other organizations;
- to build a clearer understanding of who our audiences are in order to better serve them;
- to carry on the business of a commercial organization; and
- to demonstrate that we provide services and products to agreed industry standards.
To comply with legal obligations
There may be situations where we need to use your information to comply with legal and regulatory obligations or defend claims. This may include publishing information about prize winners, for example.
To provide products and services and improve the experience
How We Use and Share Personal Information
We will use your information to provide you with products and services and to manage our relationship with you, including allowing you to interact, comment, and generally engage with our content.
We may use your information to monitor, improve and protect our products, content, services, and websites, both online and offline. We may also provide you with help and support where we believe it is required. For example, if you have contacted us and provided your contact information, we may contact you with a relevant reply.
To personalize content and ads
We sometimes make assumptions about your interests based on the way you interact with our website and the information we hold about you.
Knowing these preferences also allows us to understand the products, content, and services our customers like, letting us focus our efforts on developing those areas. We may also use this information to make decisions about what ads to show you.
“Do Not Track” browser settings
If you choose to turn on Do Not Track setting in your browser, your browser sends a special signal to websites, analytics companies, ad networks, plug-in providers, and other web services you encounter while browsing to request that they stop tracking your activity. Currently, our website is not designed to respond to “Do Not Track” signals.
To conduct market research and perform analytics
We may use your information to conduct market research to improve the services we offer and to develop new products and services. You will be able to opt-out of receiving market research surveys by following the instructions in the communication.
You may also be asked if you would like to join our audience panels to help us improve our products and services. We value your participation and you will always have the choice to opt-out of these panels.
To gain audience insights
We may provide our partners with information about the effectiveness and reach of advertising campaigns that they have planned or carried out. This information will not identify you directly without your consent.
For example, we may tell advertisers how many customers their ads can reach based on criteria they select (such as “45-year-old women who live in Toronto”) or how many times an ad was viewed.
If you would prefer not to have your information used for audience insights, please email contact [at] thebudgetmonkey [dot] com.
To detect ad blockers
When you visit our sites we may check (using cookies, code, script or other technical means) to see if you have an ad blocker installed on your device or if your internet browser settings allow adverts or not.
If we detect that your device or internet browser is using an ad blocker, we may ask you to “whitelist”, trust or pause blocking adverts while you visit our websites or apps. You can do this easily in your browser settings or within the ad blocker itself. If you continue to use an ad blocker this may have an impact on the content you are able to see on our website.
To allow third-party advertising
In some instances, targeted advertising may be displayed on our website by third parties using our platforms. These third-party ads may collect and use your personal information, which is outside of our control. This targeting may be caused by cookies already in place on your device. More general information on cookies can be found in the Cookies section of this Policy.
To provide co-branded services and features
To disclose your information as permitted by law
Your information may be disclosed where we are permitted by law to do so, for example where we get police requests or regulatory inquiries. We may also disclose your personal information where we are allowed by law to protect or enforce our rights or the rights of others and for the detection and prevention of crimes, such as fraud.
To ensure our services are used appropriately
If you post or send offensive or objectionable content, or otherwise engage in disruptive behavior anywhere on or to our website, we may use your information to stop such behavior. This may involve informing and responding to relevant third parties such as law enforcement agencies about the content and your behavior.
As part of the sale of our business
If we sell part or all of our business, customer information may be one of the transferred business assets. If this happens, your information may be disclosed to our advisers and any prospective purchaser’s advisers and will be passed to the new owners of the business for the purposes set out in this Policy and to ensure continuity of your selected services.
To ensure that our products and services conform to agreed industry standards
We may share your information with auditors for the purposes of verifying that we comply with relevant standards. For example, we may ask third-party auditors to assess our compliance with information security and Privacy by Design best practice. This may require them to access your information in our systems.
Access & Control of Your Information
Withdrawing consent for processing
Where we may rely on your consent to process personal information, you have the right to withdraw that consent at any time. Often, this can be managed through the preference center – such as your consent for us to send you communications. Otherwise, please contact us at contact [at] thebudgetmonkey [dot] com with details of your request. In some instances, we may still have an alternative legal basis to continue to process that personal information and we will inform you of that. If you do withdraw consent we may not be able to provide the product or service you have requested.
You may also have the right to object, erase, or restrict our processing of your information – for example, where we process personal data because this is in our legitimate interests, you may object to this. We will need to carefully consider your request, as there may be circumstances which require us, or allow us, to continue processing your data.
To exercise any of these rights, please contact us at contact [at] thebudgetmonkey [dot] com. These rights may be restricted by law, for example, we may not be able to provide a copy of your data where the data we hold is also the data of a third party and it is not reasonable to disclose this information.
Retention of Personal Information
We will retain your information for as long as necessary for the uses set out in this Policy, or while there is a legitimate reason for doing so. If you ask us to delete your information before that time, we may not be able to do so due to technical, legal, regulatory or contractual constraints.
Cookies and Similar Technologies
What are Cookies?
A cookie is a 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 or what’s in your shopping basket.
Our legal bases for cookies and similar technologies
Using information collected from cookies: where we want to use the information that cookies and similar technologies collect, we either need your consent or a legitimate interest. In practice, it will not always be practical to get opt-in consent as doing so with cookie banners and pop-ups would disrupt your use and enjoyment of our sites and content. This is why we usually rely on our legitimate interests to use the data collected by cookies. To do this we conduct an assessment to make sure the purposes for which we use your data are fair and that your privacy rights are considered. We only rely on legitimate interests where your rights do not override our interests in using the data.
For more information about your rights in relation to legitimate interests, please see the section on Access and Control.
What Cookies Do We Use and Why?
Analytics cookies and similar technologies
These collect information about your use of our websites and apps, and enable us to improve the way they work. For example, analytics cookies show us which are the most frequently visited pages on our website, allowing us to provide the most popular news articles further up the page. They help us record how you interact with our website, such as how you navigate around pages and from page to page, identifying improvements we can make to the customer journey. They also help identify any difficulties you have accessing our services, so we can fix any problems. Additionally, these cookies allow us to see overall patterns of usage at an aggregated level.
We may place cookies and similar technologies on behalf of comScore who help us measure the size and quality of our audiences across platforms. You can learn more and control how comScore uses your information here http://www.scorecardresearch.com/preferences.aspx.
Functional/preference cookies and similar technologies
These cookies collect information about your choices and preferences and allow us to remember things like language, and location, so we can show you relevant content to where you are. They allow us to customize the services you have accessed. We also use these cookies to provide you with services such as video content.
Tracking, advertising cookies and similar technologies
We use these types of technologies to provide advertisements that we think may be more relevant to your interests. This can be done by delivering online ads based on your previous web browsing activity, known as “online behavioral advertising” (OBA). Cookies are placed on your browser which will remember the websites you have visited. Ads based on what you have been looking at are then displayed to you when you visit websites which use the same advertising networks.
For example, you may be doing online research to buy a book, and read several articles about relevant books on various websites. As you browse those sites a cookie from an advertising network would be placed in your browser. It would remember that you had visited several websites related to reading. Then, when you visited another website in the same advertising network, the website could show you an ad related to books and or reading.
To help us deliver relevant advertising using cookies, we use Google Double Click. You can find out more about Google Double Click here.
We may also use the Google Analytics tool to track overall browsing patterns on the website. For instance, it helps us identify the most popular pages on the website, find out which links are being clicked on, and to give us broad demographics about from where users are accessing the site. We cannot personally identify users with these cookies.
The five Google Analytics cookies are called utma, utmb, utmc, utmv and utmz. They track how often the website is visited, when you enter and leave the site, and which site you visited that lead you to our website. utmz also tracks any keywords you entered into a search engine that lead you to our website, if appropriate.
Web beacons and tracking pixels
These are bits of data that count the number of users who access a website or webpage and can also allow us to see if a cookie has been activated. Web beacons used on web pages or in emails allow us to see how successful an article has been, or whether an email message was successfully delivered and read in a marketing campaign. Web beacons are also used to verify any clicks through to links or advertisements contained in emails. We may use this information to help us identify which emails are more interesting to you and to inform advertisers how many customers have clicked on their ads (the information shared with advertisers is aggregated and does not identify you individually).
We may, in certain situations, use Adobe Flash Player to deliver special content, such as video clips or animation. To improve your user experience, Local Shared Objects (commonly known as Flash cookies) are used to provide functions such as remembering your settings and preferences. Flash cookies are stored on your device, but they are managed through an interface different from the one provided by your web browser.
Tracking URLs are a special web link that allows us to measure when a link is clicked on. They are used to help us measure the effectiveness of campaigns and advertising and the popularity of articles that are read.
We may collect and analyses a device’s browser information to help identify that device, present content correctly, conduct analytics and help prevent and detect fraud.
If you access our services from a mobile device
We may collect a unique device identifier assigned to that device, geo-location data, and other transactional information for that device. We may also use the unique identifier to validate free trials, for example.
Protect our website
Cookies and similar technologies help us identify and prevent threats to our website. They are necessary to protect your information and our business from outside threats.
Allow you to access our services
Cookies and similar technologies permit your connection to our website: our servers receive and record information about your computer, device, and browser, including potentially your IP address, browser type, other software or hardware information, and your geographic location.
Assess usage of services
We use information about your usage of our website, such as pages you have visited, content you have viewed, search queries you have run, and advertisements you have seen or interacted with to assess how our services are used.
Provide eCommerce functionality
Cookies and similar technologies help us provide functionality that you need to navigate our sites, select products and services and purchase them.
Provide relevant content
The content on our website and in our communications with you may be adjusted depending on what we know about the content, products and services that you may like. This means we can highlight content and articles that we believe will be of interest to you. We provide personalization by using cookies, IP addresses, web beacons, URL tracking and mobile app settings.
Sell third-party advertising
To learn more about controlling cookies and similar technologies, please see the section below on Managing Cookies.
Where other partners are placing cookies and similar technologies for their own purposes, they are called data controllers and will use your information for their own purposes.
In the future, we plan to release improved controls to allow you to choose which partners can collect and use your information.
Most modern browsers are set to accept cookies by default, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether. Please consult the “Help” section of your browser.
Controlling OBA cookies
In addition to being able to control cookies by changing the settings in your browser on your computer, or in your mobile device’s settings, you can also control which companies can set cookies and similar technologies on your devices, by visiting the following links (you’ll need to turn any cookie or ad blockers off for the control pages to show which companies you can opt-out of):
- Internet Advertising Bureau (IAB) Your Online Choices website provides more information about controlling cookies. It also provides an easy way to opt-out of behavioral advertising from each (or all) of the networks represented by the European Interactive Digital Advertising Alliance http://www.youronlinechoices.com/uk/your-ad-choices.
- The Network Advertising Initiative (NAI)control page allows you to control behavioral advertising from each of the ad networks represented by the NAI.
- The Digital Advertising Alliance’s self-regulatory program for online behavioral advertising control page allows you to control behavioral advertising from the ad networks it represents.
- The News Connect website provides more information and an easy way to opt-out.
Importantly, these ad networks set cookies to remember that you have chosen to opt-out. If you clear your cache the opt-outs will not be applied and you would need to opt-out again.
Controlling Flash cookies
You can manage the use of Flash technologies with the Flash management tools available at Adobe’s website, at http://www.adobe.com/devnet/flashplayer/articles/privacy.html.
Controlling web beacons
You can prevent web beacons from tracking your activity, although you won’t be able to decline receiving them in emails. For information about managing your cookie options, please visit http://www.allaboutcookies.org/.
Please note that by blocking any or all cookies, you may not have access to certain features, content, or personalization available on our website.
What to do if you don’t want cookies to be set
Some people find the idea of a website storing information on their computer or mobile device a bit intrusive, particularly when this information is stored and used by a third party without them knowing. Although this is generally quite harmless you may not, for example, want to see advertising that has been targeted to your interests. If you prefer, it is possible to block some or all cookies, or even to delete cookies that have already been set; but you need to be aware that by blocking any or all cookies, you may not have access to certain features, content, or personalization available on our website.
Microsoft Internet Explorer 6.0, 7.0, 8.0
Click on ‘Tools’ at the top of your browser window and select ‘Internet Options’
In the options window navigate to the ‘Privacy’ tab
To enable cookies: Set the slider to ‘Medium’ or below
To disable cookies: Move the slider to the top to block all cookies
Note there are various levels of cookie enablement and disablement in Explorer. For more information on other cookie settings offered in Internet Explorer, refer to the following page from Microsoft: http://windows.microsoft.com/en-GB/windows-vista/Block-or-allow-cookies
Click the wrench icon on the browser toolbar
Click ‘Show advanced settings’
In the “Privacy” section, click the ‘Content settings’ button
To enable cookies in the “Cookies” section, pick ‘Allow local data to be set’, this will enable both first-party and third-party cookies. To allow only first-party cookies pick ‘Block all third-party cookies without exception’
To disable cookies, in the “Cookies” section, pick ‘Block sites from setting any data’
Note there are various levels of cookie enablement and disablement in Chrome. For more information on other cookie settings offered in Chrome, refer to the following page from Google: http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647
Click on ‘Tools’ at the browser menu and select ‘Options’
Select the Privacy panel
To enable cookies: Check ‘Accept cookies for sites’
To disable cookies: Uncheck ‘Accept cookies for sites’
Note there are various levels of cookie enablement and disablement in Firefox. For more information, refer to the following page from Mozilla: http://support.mozilla.org/en-US/kb/Enabling%20and%20disabling%20cookies
Click on ‘Setting’ at the browser menu and select ‘Settings’
Select ‘Quick Preferences’
To enable cookies: check “Enable Cookies”
To disable cookies: uncheck “Enable Cookies”
Note there are various levels of cookie enablement and disablement in Opera. For more information on other cookie settings offered in Opera, refer to the following page from Opera Software: http://www.opera.com/browser/tutorials/security/privacy/
Safari on OSX
Click on ‘Safari’ at the menu bar and select the ‘Preferences’ option
Click on ‘Security’
To enable cookies: In the ‘Accept cookies’ section select ‘Only from site you navigate to’
To disable cookies: In the ‘Accept cookies’ section select ‘Never’
Note there are various levels of cookie enablement and disablement in Safari. For more information on other cookie settings offered in Safari, refer to the following page from Apple: http://docs.info.apple.com/article.html?path=Safari/3.0/en/9277.html
All other browsers
Please look for a “help” function in the browser or contact the browser provider.
Changes to This Policy
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