EMEA Cookie Notice for Vestwell State Savings

How we use Cookies and Similar Technologies

Vestwell State Savings, LLC ("we" or "us") use cookies, web beacons and similar technologies ("Cookies") to store information, enhance your browsing experience and improve the functionality of our websites and web-based applications ("Websites"). The information set out in this notice is provided in addition to our privacy notice, and should be read alongside our privacy notice.

What this Cookie Notice covers

This Cookie Notice sets out:

Managing Cookies

You can help control the way cookies operate within our websites or through your browser settings.

Managing Cookies settings from within your browser

Most browsers are initially set to accept cookies, an option you change via your internet browser settings. It may also be possible to configure your browser settings to enable acceptance of only specific cookies or to notify you each time a new cookie is about to be stored on your device enabling you to decide whether to accept or reject the cookie. You can also disable cookies by configuring your browser setting to reject all cookies. Please refer to the help section of your browser for instructions on how to manage your cookies settings, or follow the links below:

Internet Explorer: https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies

Mozilla Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox

Google Chrome: http://www.google.com/support/chrome/bin/answer.py?hl=en&answer=95647

Safari: http://support.apple.com/kb/ph5042

Opera: https://www.opera.com/help/tutorials/security/privacy/

If you do not wish to accept cookies from our websites please either disable them or refrain from using our websites. As noted above, if you disable cookies, you may experience reduced functionality.

What is a Cookie?

A Cookie is a small file placed on your device when you visit certain websites. Cookies provide a way for the Websites to recognise users and keep track of the users' preferences (such as login, language, font size and other display preference) over a period of time, so users don't have to keep re-entering them whenever they come back to the websites. Cookies perform essential functions to improve a user’s browsing experience.

You do not need to have Cookies turned on to visit most of our Websites. However, having Cookies turned on should allow for a better, personalised experience, and is required for certain parts of the Websites' functionality.

Who sets Cookies?

Cookies may be set by our websites or by another site prior to or during your visit to our websites.

These are known as ‘first party’ and ‘third party’ cookies.

First party cookies belong to the website domain that appears in the browser address bar.

Third-party cookies belong to website domains different from the one shown in the address bar. Some web pages can feature content from third-party domains (such as banner ads). Other sites may also set cookies on your device during a visit to one of our websites. These sites will be approved partners of ours listed in the below cookie list.

How long do Cookies last?

Cookies can be placed either for an individual "session" or on a "persistent" basis.

"session" cookies are temporary and will expire at the end of a browser session; that is, when you leave a website. Session cookies allow a website to recognize you and carry information as you navigate between pages during a single browser session and allow you to use the website efficiently.

"persistent cookies" remain in the cookie file of your browser even after you leave a website and after the browser is closed. These cookies remain valid until their set expiry date (unless deleted by the user before the expiry date). These cookies allow a website to collect and analyze (on an anonymous basis) traffic and use of the website, monitor the system and improve operating performance. For example, they enable a website to recognize you on your return, remember your preferences and provide tailored services to you. For more information about cookies, how they work, why they are so useful and how to disable them, please visit www.allaboutcookies.org.

Cookies on our Websites

We use Google Analytics Cookies to obtain an overall view of user habits and volumes, and to help improve the overall experience on our Websites. Google Analytics is a third-party web analysis service provided by Google Inc. ("Google"), which uses performance Cookies and targeting Cookies. The information generated by these Cookies about your use of our Websites (including your IP address) will be transmitted to and stored by Google Inc. on servers in the United States.

Google will use the information its Cookies collect for the purpose of evaluating your use of a website on behalf of the website provider, compiling reports on website activity and providing other services relating to activity and internet usage. Google will not associate your IP address with any other data held by Google. You may refuse the use of any Cookies by selecting the appropriate settings on your browser as described above, and you can prevent Google's collection and use of data (Cookies and IP address) by downloading and installing the browser plug-in available under https://support.google.com/analytics/answer/181881?hl=en. This creates an opt-out Cookie which prevents the further processing of your data. For more information about Google Analytics Cookies, please see Google's help pages and privacy policy.

Third Party Sites

Our Websites may contain links to third party sites (including social media bookmarking buttons which enable you to share certain content on our websites). Please review the cookie and privacy policies of these sites to understand how they may use cookies and your information.

Third Party Advertising

We may use third party advertising companies to serve ads on our behalf across the internet. This enables us and these third parties to target advertisements to you for products and services in which you might be interested. To measure and track the effectiveness of such ads and to personalise advertising content to you, these companies will use cookies and other tracking technologies, e.g. by setting a cookie on your device when you click on one of our ads or visit a webpage associated with our campaigns. These companies may also use and measure information about your visits to our websites as part of this same process. Third-party cookies and tracking technologies are governed by each third party's specific privacy or cookies policy, not our cookie notice.

When accessing any third-party/external sites via links provided, you will leave our Websites. These third party sites are not controlled or endorsed by Vestwell State Savings, LLC, and Vestwell State Savings, LLC, is not responsible for the contents, operation or security of these sites.

Opting-out of Third Party Advertising

You have the ability to opt out of many third-party advertisers. For example, you may go to the digital advertising alliance ("DAA") consumer choice page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the network advertising initiative ("NAI") consumer opt-out page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.

Opting out from one or more companies listed on the DAA consumer choice page or the NAI consumer opt-out page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our websites or other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA's website at www.aboutads.info or the NAI's website at www.networkadvertising.org.