Cookie Policy

Updated on 24 May 2018

Abundance uses cookies and similar technologies to help our website function, to allow us to understand how you use our services, and for a range of other purposes that you can read about in this policy.

Types of cookie used by Abundance

Cookies

Cookies are small data files sent from a server to your web browser. They are stored in your browser’s cache and allow a website or a third party to recognise your browser. There are three primary types of cookies:

  • Session cookies are specific to a particular visit, and carry information as you view different pages; for example within an investment process or other transaction. Session cookies expire and delete themselves automatically in a short period of time, such as after you leave the Abundance website or when you close your web browser.
  • Persistent cookies remember certain information about your preferences for viewing the website. Persistent cookies are stored on your browser cache or mobile device until you choose to delete them, and otherwise typically delete themselves at expiration.
  • Third-party cookies are placed by someone other than Abundance, and may gather browsing activity across multiple websites and across multiple sessions. They are usually a type of persistent cookie and are stored until you delete them or they expire based on the time period set in each third-party cookie.

Cookies store data about your use of our website, and they are helpful because they allow us to understand how you are using the Abundance website, and support improvements to our service. Some cookies are required to use the Abundance website, but others are optional — particularly in the case of third-party cookies (see below), and so you can opt out of these cookies without effecting your ability to use our service. A description of the principal cookies used on the Abundance website can be found in our cookie disclosures below.

Similar technologies

In addition to cookies, there are other similar technologies used by Abundance which are commonly used across the web.

  • Web beacons: These are tiny graphics (sometimes called “clear GIFs” or “web pixels”) with a unique identifier that are used to understand browsing activity. In contrast to cookies, which are stored on a user’s computer hard drive, web beacons are rendered invisibly on web pages when you open a page.
  • UTM codes: These are strings that can appear in a URL (the “Uniform Resource Locator”, which is typically the http or https address entered to go to a web page) when a user moves from one web page or website to another, where the string can represent information about browsing, such as which advertisement, page, or publisher sent the user to the receiving website.
  • Web storage objects: These (sometimes called flash cookies) are sets of data that can be stored on your browser by a website or app. They can be used to maintain preferences, maintain a history of usage, or even maintain the state or settings of an app.

Purposes for cookie use

Abundance uses cookies for a variety of purposes; ranging from ensuring the website can perform core functions such as logging you into your account and processing your investment portfolio, through to connecting a range of third-party services that help us to run our business effectively.

The purposes of these cookies can be grouped into the following categories. You can view the details of specific cookies we use in each category, and how to opt out of their use, in our cookie disclosures.

Security, user experience and legal

We use some cookies to perform necessary and vital functions to ensure that the Abundance website works properly for visitors. These include;

  • authentication with your Abundance account allowing transactions to be completed securely
  • improving website load times and responsiveness
  • saving of preferences and actions for a higher quality user experience

We also use a third-party cookie provided by Segment to record details of pages viewed and other interactions you make on the Abundance website both before and after you sign up for our service. We do this because we have a legal requirement to record an audit trail of pages you view and interactions you make from our regulators (Financial Conduct Authority, Advertising Standards Authority and the Financial Ombudsman), for use in the event of regulatory query, or a customer dispute. For example, it is important that we can show that customers have seen relevant risk warnings for our investments, and completed the investment appropriateness process before buying one of our investments, and we must report our compliance with proper processes in this area to our regulators.

Customer service and communications

We use some third-party technologies to provide you with customer service support while you are on the Abundance website. These services include Intercom (which allows you to send and receive messages from the Abundance team while you are on our website) and other tools which provide pop-up customer surveys while you are on the website to get feedback on processes and features. These third-party services process your personal data as Data Processors and can only use your data to provide their service to Abundance.

We use these cookies to enhance your customer experience while using Abundance. If you don’t want to use these services you can opt out of the use of these cookies — see the cookie disclosures below for how details of how to opt out.

Marketing services and analytics

We use a range of third party services to help us run our business, ranging from website analytics services through to advertising services. These services, while helpful to us in running our business, are optional. You can opt out of any of these services at any time using the options described in the cookie disclosures below.

Specifically, we use Google Analytics to help understand how users engage with our website. Google Analytics provides aggregated website performance information, which helps us to understand how users are engaging with our website and identify improvements to our services.

Google Analytics also helps us manage our banner advertising and retargeting, particularly showing relevant ads to users based on prior behaviour and browsing patterns on the Abundance website. In this instance data from Google Analytics may be combined with other third-party cookies (like Google’s advertising cookies) to allow for better targeted advertising. Information shared with Google Analytics is pseudonymised before transmission and does not contain any personal data (such as email addresses or other customer account data).

We also use a range of third-party service providers that use various cookies to help us serve targeted advertising on websites around the internet. These might employ techniques such as:

  • Frequency capping, which limits the number of times a user’s browser or mobile device displays the same ad;
  • Attribution tracking, which estimates what advertising or marketing source brought someone to the Abundance, or determines what marketing source led to actions like a visit or a purchase;
  • Retargeting, which targets advertising based on users’ behaviour on the Abundance website, such as pages viewed;
  • Audience targeting, which refers to targeting advertisements to a large audience based on the audience’s known or inferred demographics; and
  • Cross-device recognition, which recognises actions across multiple devices or browsers.

Some third-party service providers may provide information like demographics, cross-device information, or interest categories from a combination of sources that, while not identifying you personally, permit us to provide you with more relevant and useful advertising. These cookies also allow third-party suppliers to recognise your computer or mobile device each time you visit our website, which helps us monitor the performance of our advertising, but they do not allow access to other personal information from Abundance.

All third parties we use are required to follow applicable laws, self-regulatory programmes, including the EU General Data Protection Regulations (GDPR). You can find a description of the third-party cookies we use, along with their respective privacy policies and options for opting out of each individual service, in our Cookie Disclosure below.

Managing your cookie settings

There are a variety of ways that you can manage your cookie settings, and opt out of individual services used by Abundance if you wish. Our cookie disclosures below give the details of the specific services we use, and the process to follow if you wish to opt out for each of the optional third-party cookies that we use.

If you wish to opt out of all third-party cookies, there are options provided by your browser, and other third-party services, to stop cookies being set on your machine. Details of how you can use some of these services are given below. But please bear in mind that these services may also block operationally necessary cookies in the Security, User Experience and Legal section, which means the service may no longer work effectively.

Opt-in and opt-out on browsers

You can change your web browser’s settings to reflect your cookie preferences for cookies directly from the website you are on or for third-party cookies. Each browser is a little different, but usually these settings are under the “options” or “preferences” menu. The links below provide information about cookie settings for the browsers supported by Abundance:

Opt-out of third-party networks

If you do not wish to have this information used for the purpose of serving you interest-based advertisements, you may decline to receive interest-based ads across the board through TrustE/TrustArc’s preferences manager here. Please note this does not stop you from being served advertisements. You will continue to receive generic advertisements.

You can learn more about managing your preferences for ads online, particularly for many third-party advertising networks, through resources made available by the Digital Advertising Alliance at https://www.aboutads.info or the Network Advertising Initiative at https://optout.networkadvertising.org.

Google Analytics opt-out

For Google Analytics advertising features, you can opt out through Google Ads Settings, Ad Settings for mobile apps, or any other available means (for example, the NAI’s consumer opt-out listed above). Google also provides a Google Analytics opt-out plug-in for the web.

Third-party tools

Various third parties provide browser plug-ins and apps that can help provide you information on, and limit or block, third-party cookies, web beacons, and some Javascript-based technologies. Abundance cannot vouch for the efficacy of a particular third-party product, but popular products that provide these privacy enhancements include Ghostery and AdBlock Plus.

Cookie disclosures

We are providing this list to give you transparency into the cookies we use on our website. Our technologies change over time, but the following tables provide brief descriptions of the key technologies used on the Abundance website, and instructions on how you can opt out of their use.

Cookies used by Abundance for security, user experience and legal purposes

NamePurposeExpiration
abundance.caches.*Authentication, website performance and storing user preferencesVarious (ranging from tab session – 1 year)
ajs_*Record user interactions and pageviews on the Abundance website using the Segment service1 year

Cookies used by Abundance for Customer Service

Name / NetworkPurposeThird-party Privacy PoliciesUser controls
IntercomCustomer serviceIntercom Privacy PolicyContact our customer services team to object to processing under legitimate interest
SurvicateCustomer service – survey provisionSurvicate Privacy Policy

Cookies used by Abundance for Google Analytics and marketing services

Name / NetworkPurposeThird-party Privacy PoliciesUser controls
Google Analytics (_ga, _gid)AnalyticsGoogle Privacy PolicyGoogle Analytics Opt-out
InspectletAnalyticsInspectlet Privacy PolicyInspectlet Opt-out
Bing AdsMarketing – search engine advertisingMicrosoft Privacy Statement / Microsoft Data Protection PoliciesPersonalised Ads Options
Facebook (Custom Audience)Marketing – Facebook ad trackingFacebook Cookies PolicyFacebook Custom Audiences / YourAdChoices
Google AdWordsMarketing – search engine advertisingGoogle AdWords Policies / Google Privacy PolicyGoogle AdWords Ad Options
Google (DoubleClick)Marketing – search engine advertisingGoogle Privacy PolicyGoogle Advertising Opt-out
Google Tag Manager (GTM)Management of cookies for a variety of marketing functionsGoogle Privacy PolicySee below for a detailed discussion of opting out of GTM cookies
Adnxs.comMarketing – advertising tracking
Go.affe.tvMarketing – advertising trackingAffectv Privacy PolicyAffectv Opt-out

Google Tag Manager

Google Tag Manager is a service that creates floodlights and pixels for other third-party suppliers to use. It does not record any data itself, but does pass data on to other third-parties to enable them to understand the effectiveness of their advertising, in the form of data on the number of people visiting targeted pages on the Abundance website, and volumes of transactions arising from these visits. These services receive only minimal personal information to achieve this end, in the form of a pseudonymised ID reference, and simple data on the number of times the target pages and transactions have been triggered.

Abundance uses Google Tag Manager to create floodlights for the following third-party services. You can learn more about Google Tag Manager here.

Name / NetworkPurposeThird-party Privacy PoliciesUser controls
FacebookMarketing – recording website visitors and conversions from adsFacebook Cookies PolicyFacebook Custom Audiences / YourAdChoices
CaptifyMarketing – recording website visitors and conversions from adsCaptify Privacy PolicyCaptify Opt-out
MediaIQMarketing – recording website visitors and conversions from adsMediaIQ Privacy PolicyMediaIQ Opt-out
AffectVMarketing – recording website visitors and conversions from adsAffectv Privacy PolicyAffectv Opt-out