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Cookie Policy

This policy explains what cookies are, which ones we use on the Silver Crest Trust Bank website and app, and how you can manage them.

Last updated: 10 June 2026  |  Version 1.8

1. What Are Cookies?

Cookies are small text files placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work efficiently, to remember your preferences, and to provide information to website owners. Cookies do not contain any personally identifiable information on their own, but may link to your account when you are logged in.

Similar technologies such as web beacons, pixels, local storage, and session tokens work in a comparable way and are covered by this policy.

2. How We Use Cookies

We use cookies to: keep you securely logged in to your account; remember your preferences and settings; understand how you use our website and app so we can improve them; detect and prevent fraud and unauthorised access; measure the effectiveness of our marketing campaigns; and provide relevant content.

3. Categories of Cookies We Use

3.1 Strictly Necessary Cookies

These cookies are essential for the website to function and cannot be switched off. They are set in response to actions you take, such as logging in or filling in forms. Without these cookies, services you have requested cannot be provided.

  • session_id — Maintains your secure login session. Expires at end of session.
  • csrf_token — Protects against Cross-Site Request Forgery attacks. Expires at end of session.
  • lb_cookie — Load balancing cookie to ensure consistent performance. Expires at end of session.
  • cookie_consent — Records your cookie consent choices. Expires after 12 months.

3.2 Performance and Analytics Cookies

These cookies help us understand how visitors interact with our website by collecting aggregated, anonymous data. This helps us improve the website's performance and user experience.

  • _ga, _gid (Google Analytics) — Tracks page views, sessions, and user journeys anonymously. Expires after 2 years / 24 hours.
  • _hj_* (Hotjar) — Records anonymised heatmaps and session replays. Expires after 1 year.
  • pb_perf — Measures page load times and error rates. Expires after 30 days.

We have configured Google Analytics to anonymise IP addresses. We do not allow Google to use our analytics data for their own advertising products.

3.3 Functionality Cookies

These cookies allow us to remember your preferences and personalise your experience. Disabling them may result in a less personalised experience.

  • lang_pref — Stores your preferred language. Expires after 1 year.
  • theme_pref — Stores light/dark mode preference. Expires after 1 year.
  • last_login_hint — Remembers your username field for faster login. Expires after 30 days.

3.4 Targeting and Marketing Cookies

These cookies are set by our advertising partners to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information but uniquely identify your browser.

  • _fbp (Meta Pixel) — Used to deliver and measure advertisements on Facebook and Instagram. Expires after 3 months.
  • IDE (Google DoubleClick) — Used for targeting and measuring digital advertising. Expires after 1 year.
  • li_fat_id (LinkedIn Insight) — Tracks conversions and retargeting on LinkedIn. Expires after 30 days.

You can opt out of targeted advertising using the tools at youronlinechoices.com (EU) or optout.aboutads.info (US).

3.5 Security Cookies

We use cookies specifically for fraud detection and security purposes, including device fingerprinting tokens that help us identify unusual login patterns. These are strictly necessary and cannot be disabled.

4. Third-Party Cookies

Some cookies on our site are set by third-party services. These third parties have their own privacy and cookie policies, which govern their use of the data collected. Key third parties include:

5. Managing Your Cookie Preferences

When you first visit our website, you will see a cookie consent banner. You can choose to accept all cookies, reject non-essential cookies, or customise your preferences. You can update your choices at any time by clicking "Cookie Settings" in the footer of our website.

You can also manage cookies through your browser settings. Most browsers allow you to:

  • View all cookies stored on your device and delete them individually or all at once.
  • Block cookies from specific websites or all third-party cookies.
  • Set your browser to notify you when a cookie is being placed.

Please note that disabling cookies may affect the functionality of this website. In particular, strictly necessary cookies cannot be disabled without preventing the site from functioning correctly. Browser-level guidance:

6. Do Not Track

Some browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not wish to be tracked. We currently do not respond to DNT signals as there is no industry-wide standard for their interpretation. We do, however, offer the opt-out mechanisms described in section 5 above.

7. Changes to This Policy

We may update this Cookie Policy periodically to reflect changes in technology, legislation, or our business practices. The updated date at the top of this page indicates when changes were last made. Significant changes will be communicated via our cookie consent banner on your next visit.

8. Contact Us

If you have any questions about our use of cookies or this policy, please contact our Data Protection Officer at support@silvercrestrust.com or write to us at Europe.

You also have the right to complain to the Information Commissioner's Office (ICO) at ico.org.uk.