Credit Union Development Association

COOKIES POLICY

 

What are Cookies?

 

Cookies are usually small text files stored on a device, such as a PC, a mobile device or any other device that can store information. Devices that may use cookies also include so-called ‘Internet of Things’ (IoT) devices that connect to the internet.

 

Why Use Cookies?

 

Cookies serve a number of important functions, including to remember a user and their previous interactions with our website. They can be used, for example, to keep track of information when you input details into an online application form. Some cookies are necessary for our website to perform correctly. Certain cookies are also used to help web pages to load faster and to route information over a network.

 

We also use cookies to perform analytical and advertising functions. Analytical cookies help us to better understand how users engage with our websites. We will collect information like how many unique visitors access our websites, what pages are most popular and what type of devices website visitors use. This helps us to make informed decisions on how to design websites and provide users with a better online experience.

 

Advertising cookies are used to collect information like how many users engage with online forms and the figures that a user inputs to an online loan calculator. This information helps us to understand and report on the performance of our loan products and our digital marketing activities. We also use targeting cookies that are provided by third party advertising platforms like Facebook and Google and depending on whether you use these services and the consents you have provided to them and your browser settings, will collect information on the websites you visit and your location so that they can target advertising that is relevant to you when you use their platforms.

 

What Control do I Have?

 

On our websites you’ll find a cookies settings management tool, this will generally be displayed at the bottom of your screen. You can use this to either ‘Accept All’ cookies, or alternatively, click on ‘Settings’ where you can enable or disable each type of cookie. Certain necessary cookies cannot be disabled as these are vital to the performance of the website.

 

When you make a selection, we’ll remember your preferences, however, a cookies settings tag will remain visible at the bottom of your screen when you use our websites so you can easily update your preferences at any time.

 

The most popular web browsers also give you the ability to disable cookies through their browser settings. You should however be aware that disabling all cookies in your browser might impact the way some websites load and can cause a poor online browsing experience.

 

At the links below you can find out more about updating your cookie settings on the most popular web browsers:

 

If you use multiple browsers across multiple devices like a PC and a smartphone, you will need to update your preferences on each browser.

 

Is my Personal Data Used?

 

The information stored in cookies can include personal data, such as an IP address, a username, a unique identifier, or an email address. But it may also contain non-personal data such as language settings or information about the type of device you are using to browse the site.

 

Advertising IDs, user IDs and other tracking IDs may also be contained in cookies but the information collected is anonymous and we cannot use cookies to identify website visitors.

 

How long does the Cookie last?

 

Some cookies have an expiry date. Session cookies, for example, which are designed to only function for the duration of a browser session or slightly longer, are likely to have a very short lifespan or expiry date and tend to be set to expire once they have served their limited purpose. We always ensure the expiry date of a cookie is proportionate to its purpose.

 

What cookies are used?

 

We’ll detail every cookie used on our website below and break them down by cookie type and give a description of their main function;

 

Cookie Type Purpose Expiry Provider
_ga Analytics Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 1 year Google
_gat Analytics

 

Used by Google Analytics to analyse unique visitors to a website by assigning a random ID to each user and reporting on visits, sessions and conversions. 1 day Google
_gid Analytics

 

Registers a unique ID that is used to generate statistical data on how the visitor uses the website. 1 day Google
GPS

 

Analytics

 

This cookie is set by Youtube and registers a unique ID for tracking users based on their geographical location. 30 minutes Google
Viewed

_cookie

_policy

 

Necessary This cookie is set by the GDPR Cookie Consent management tool installed on the website and is used to store whether or not user has consented to the use of cookies. It does not store any personal data. 1 hour CUDA
cookielawinfo-checkbox-necessary

 

Necessary This cookie is set by GDPR Cookie Consent management tool. The purpose of this cookie is to check whether or not the user has given the consent to the usage of cookies under the category ‘Necessary’. 1 year CUDA
cookielawinfo-checkbox-non-necessary Necessary This cookie is set by GDPR Cookie Consent management tool. The purpose of this cookie is to check whether or not the user has given their consent to the usage of cookies under the category ‘Non-Necessary’. 1 year CUDA
gp_easy

_passthrough

_session

 

Necessary This Cookie is set by the CUDA. It preserves user’s states across page requests which means that where you change your cookies settings in the management tool, your preferences are remembered as you move through the website. 1 day CUDA
ugid Necessary This is provided by Unsplash to allow an image to be embedded into our website. 1 year Unsplash
test_cookie Advertising This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the users’ browser supports cookies. 15 minutes Google
_fbp Advertising This cookie is set by Facebook to deliver targeted advertising to a user when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website. 2 months Facebook
fr Advertising The cookie is set by Facebook to show relevant advertising to the users and measure and improve the advertisements. The cookie also tracks the behaviour of the user across the web on sites that have a Facebook pixel or Facebook social plugin. 2 months Facebook
IDE Advertising Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile. 2 years Google
VISITOR

_INFO1

_LIVE

 

Advertising This cookie is set by Youtube. Used to track the information of any embedded YouTube videos on a website. 5 months Google
YSC Performance This cookies is set by Youtube and is used to track the views of embedded videos. 5 months Google

 

 

Additional Information on third party cookie providers

 

 

As listed above, we use a number of third-party cookie providers, please find some additional information below;

 

 

Google Analytics

 

Google Analytics is a web analytics service provided by Google, Inc. Google Analytics uses cookies in order to evaluate your use of our website and this helps us to better understand how users engage with our website so that we can improve service and performance.

 

Google Analytics does not collect or store your personal information and Google Analytics prohibits the tracking or collection of personal information or association of personal information with web analytics information. Google Analytics does not report the actual IP address information to us.

 

What Google Analytic features are enabled by us?

 

The following Google Analytics Advertising features are enabled by us in our use of Google Analytics:

 

User ID

 

This assigns each user with a unique ID so that we can report on users who visit the site multiple times without compromising your anonymity and privacy.

 

With the unique ID, we can get more accurate data on the number of users visiting our websites and Google gets to understand your browsing habits so that they can target more relevant advertising to you when you access their platform or a website that embeds their advertising.

 

 

While Google Analytic cookies are targeting cookies, which use a unique ID and can track your visits around different websites, the information collected is anonymous and you will not be personally identifiable to either Google or to us.

 

Demographics reporting 

Google Analytics helps us to better understand how our website visitors break down by age, gender, and interests.

 

Technical support

Google technical support representatives have access to our Google Analytics data and account when necessary to provide service and find solutions to technical issues.

 

Opt-out

Users may opt out of Google Universal Analytics by disabling Analytics cookies on the cookies consent management tool on our websites. Alternatively you can learn more about disabling Google Analytics on your browser here: Google Universal Analytics opt-out page.

 

Storage Location

Google stores the information collected by the cookie on secure Google servers.

 

 

 

Google Adwords

 

Google Adwords is an advertising analytics service provided by Google, Inc.

Adwords uses temporary cookies that are stored on a user’s computer for a limited period. Only pages that a user has visited containing the Google conversion code are tracked. Google uses this information to present you with advertising they believe will be relevant to you given your browsing habits and any other information you have provided to Google

 

 

Opt out

There is no opt-out available for this third-party cookie. If you do not wish for this third-party cookie to be on your computer, please do not click on ‘Sponsored Results’ when conducting a Google search.

 

Storage Location

Google stores the information collected by the cookie on secure Google servers.

 

 

 

Google Adwords Remarketing

 

AdWords Remarketing is a remarketing and behavioural targeting service provided by Google Inc.

 

This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It means that we advertise to previous visitors who haven’t completed a task on our site, for example not completing an application form. This could be in the form of an advertisement on a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to our website.

 

Google Adwords does not collect or store personal information.

 

Opt out

Users may opt-out of Adwords Remarketing by disabling Advertising cookies on the cookies consent management tool on our websites. Alternatively you can learn more about disabling Google Analytics on your browser here: : Adwords Remarketing opt-out page.

 

Storage Location

Google stores the information collected by the cookie on secure Google servers.

 

 

DoubleClick by Google

 

DoubleClick is a service owned by Google that uses Remarketing pixels – a pixel is a small, invisible piece of code that tells DoubleClick to save visitors’ cookies to our website on a list. Third-party vendors, including DoubleClick, then use the cookies to serve ads on sites across the internet based on someone’s past visits to our website.

 

DoubleClick does not collect or store personal information.

 

Opt-out

Users may opt-out of Double Click cookies by disabling Advertising cookies on the cookies consent management tool on our websites. Alternatively, you can learn more about disabling Google Analytics on your browser by visiting https://adssettings.google.com

 

 

Storage Location

Google stores the information collected by the DoubleClick cookie on secure Google servers.

 

 

Facebook Retargeting

 

Facebook Retargeting is a remarketing service provided by Facebook Inc which uses the Facebook Pixel. The Facebook Retargeting Service uses the Facebook pixel on our website which is a small, invisible piece of code owned and operated by Facebook that tells Facebook to save visitors’ cookies to our website.

 

Our websites use the Facebook Retargeting service to advertise relevant CUDA marketing material on third party websites (including Facebook) to previous visitors to our site. It means that we advertise to previous visitors who haven’t completed a task on our site, for example not completing an online application. This could be in the form of an advertisement on a site in the Facebook network. Third-party vendors, including Facebook, use cookies to serve ads based on someone’s past visits to our website.

 

Opt-out

Users may opt-out of Facebook Retargeting use of cookies by disabling Advertising cookies on the cookies consent management tool on our websites. Alternatively you can learn more about disabling Facebook Retargeting by visiting  https://www.facebook.com/ads/preferences

 

Storage Location 

Facebook stores the information collected by the cookie on secure Facebook servers.

 

 

Facebook Custom Audiences

 

Facebook’s custom audiences feature enables us to create an audience list for sending ads through Facebook.

 

We use customer data such as email addresses and phone numbers to match (at an email address or telephone level) to Facebook users.

 

When we upload data to Facebook, this data is hashed and the resulting fingerprints are compared with hashed Facebook user email addresses or phone numbers. If we import an email address that’s unknown to Facebook, that record, once hashed, won’t match anything.

 

If a Facebook user clicks on an ad which has been sent to them because they are part of a custom audience list, a Facebook cookie installed on the Facebook website allows their user behaviour to be tracked. This enables us to measure the effectiveness of Facebook ads for statistical and market research purposes. The data collected in this way is anonymous to us, i.e. we do not see the personal data of individual users.

 

Opt-out

Users may opt out of Facebook Custom Audiences by visiting https://www.facebook.com/settings?tab=ads.

 

Storage Location

This data is stored and processed by Facebook. Facebook may link this information to your Facebook account and also use it for its own promotional purposes, in accordance with Facebook’s Data Usage Policy. You can allow Facebook and its partners to place ads on and off Facebook. A cookie may also be stored on your computer for these purposes.

 

 

CHANGES TO THIS POLICY

 

CUDA reserves the right to change this Policy at any time.  Material changes will be advertised as appropriate.

 

CONTACT US

 

If you have any questions, comments, requests and complaints regarding this Cookies Policy please contact us at: info@cuda.ie I +353 1 469 3175 I CUDA, 3013 Lake Drive, Citywest, Dublin 24