Cookie Notice

Last Updated: 18th November 2025

We are Life Credit Union.

Please contact us if you have any questions about this Cookie Notice:

This Cookie Notice explains how we use Cookies on our website. It is a declaration of the cookies that are active on our website, the purpose of the cookies and what they track. This Cookie Notice also provides you with information on how to opt out of the cookies being used.

Further information about our use of cookies can be found in our Data Protection Statement.

What are cookies?

Cookies are text files that are placed on your computer by websites that you visit which are then used to record information about your visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the website and to third parties.
Cookies help us to remember things about your visit to our website, such as your preferred language and other choices/settings and to generally make the site easier for you to use.
They may also be used to collect information about you in order to deliver advertisements.

What types of cookies do we use and why?

We use the following types of cookies on this website:

CookiePurpose
Strictly NecessaryNecessary cookies help make a website usable by enabling basic functions like page navigation. We also set a cookie to remember your cookie preferences between visits which we also categorise as a necessary cookie.
The website cannot function properly without these cookies.
StatisticsThese cookies gather analytics on the usage of our website including distinguishing unique users, remembering the number and time of previous visits, traffic source information and determining the start and end of a session.
These cookies are associated with sites using Google Analytics to measure traffic.
MarketingThe technical storage or access is required to create user profiles to deliver personalised advertising. This includes tracking your activity across this website and other websites you visit. By consenting to marketing cookies, you agree that your browsing information, such as the pages you view and the actions you take, may be shared with third-party advertising partners (e.g., Google, Facebook, TikTok). These partners may combine this data with other information they collect about you from other websites or services to create a detailed profile for targeted advertising purposes. You can manage your preferences or withdraw consent at any time.
“CookieControl” CookieStores the user’s cookie consent state for the current domain
Third-Party CookiesThese cookies are set by a website other than the website you are visiting, usually as a result of some embedded content such as a video, a social media share or a like button.
Please note that while Life Credit Union uses the NoCookie setting when embedding YouTube videos, YouTube Cookies are still placed on your device if you play a video. It is not possible to ensure that YouTube Cookies are always rejected when you reject all cookies using our Cookie Management Tool; please control these cookies from your browser settings.
Third-Party Advertising Cookies & Web BeaconsThese cookies enable third-party advertisers to track your online activity to deliver targeted online advertising content.
A web beacon, sometimes called a pixel, is a technique used on web pages to unobtrusively (usually invisibly) allow tracking of web page visitors. A web beacon can be implemented for instance as a 1×1 pixel image, a transparent image, or an empty file that is requested together with other resources when a web page is loaded.
Pixels contain a tag that tracks information about each visitor, such as pages they view, actions they took on the page, and any purchases made. To keep track of all these actions, the tracking pixel ties them to the unique IP address of the visitor.
The web beacons used on this website are associated with the Facebook Pixel which tracks conversions or events from Facebook ads. When visitors click on a Facebook ad and are directed to this website, this enables the website to see how they interact with any pages containing the pixel or beacon.

You can adjust your browser settings to decline cookies or alert you when a website is attempting to place a cookie on your computer.

Cookie Details

Further information on the cookies we use and how to manage them is set out below. Cookies can also be managed using our Cookie Management Tool which displays as an icon in the bottom left corner of your screen when you are on our website.
This website manages the following cookies: This website manages 46 Cookies, as follows: Strictly Necessary Cookies – 20. Marketing Cookies – 24. Statistics – 2.

Elementor

Functional

Usage

We use Elementor for content creation. Read more about Elementor (opens in new window)

Sharing data

This data is not shared with third parties.

Functional

Name
elementor (opens in new window)
Expiration
persistent
Function
Elementor page builder: stores editor interface preferences and settings for site administrators. No visitor data collected.
Name
e_kit-elements-defaults
Expiration
persistent
Function
Stores the default styling/ID settings for ElementsKit widgets built with Elementor display correctly. No visitor tracking or personal data.
Name
e_my_templates_source
Expiration
Session based
Function
Template management and storage identification
Name
popup-23243-impressions-count
Expiration
session
Function
Elementor Popup: tracks how many times a specific popup has been shown to prevent repeated display to the same visitor

WordPress

Functional

Usage

We use WordPress for website development. Read more about WordPress (opens in new window)

Sharing data

This data is not shared with third parties.

Functional

Name
loglevel
Expiration
persistent
Function
Stores JavaScript logging level preference used by site plugins for debugging. No visitor tracking or personal data.
Name
wpEmojiSettingsSupports (opens in new window)
Expiration
session
Function
WordPress core: detects browser emoji rendering capabilities to determine whether to load the emoji polyfill script. No personal data stored.
Name
wp-settings-* (opens in new window)
Expiration
1 year
Function
WordPress core: stores dashboard preferences for logged-in administrators (admin-only)
Name
wp-settings-time-* (opens in new window)
Expiration
1 year
Function
Store user preferences
Name
wordpress_logged_in_* (opens in new window)
Expiration
session
Function
WordPress core: maintains authenticated user session for logged-in administrators and editors
Name
wordpress_test_cookie (opens in new window)
Expiration
session
Function
Read if cookies can be placed

Complianz

Functional

Usage

We use Complianz for cookie consent management. Read more about Complianz (opens in new window)

Sharing data

This data is not shared with third parties. For more information, please read the Complianz Privacy Statement (opens in new window).

Functional

Name
cmplz_user_data (opens in new window)
Expiration
181 days
Function
Complianz: stores visitor consent preferences and region data to determine which cookie banner variant to display
Name
cmplz_consented_services (opens in new window)
Expiration
181 days
Function
Store cookie consent preferences
Name
cmplz_policy_id (opens in new window)
Expiration
181 days
Function
Store accepted cookie policy ID
Name
cmplz_marketing (opens in new window)
Expiration
181 days
Function
Store cookie consent preferences
Name
cmplz_statistics (opens in new window)
Expiration
181 days
Function
Store cookie consent preferences
Name
cmplz_preferences (opens in new window)
Expiration
181 days
Function
Store cookie consent preferences
Name
cmplz_functional (opens in new window)
Expiration
181 days
Function
Store cookie consent preferences
Name
cmplz_banner-status (opens in new window)
Expiration
181 days
Function
Store if the cookie banner has been dismissed

Google Analytics

Statistics

Usage

We use Google Analytics for website statistics. Read more about Google Analytics (opens in new window)

Sharing data

For more information, please read the Google Analytics Privacy Statement (opens in new window).

Statistics

Name
_ga (opens in new window)
Expiration
2 years
Function
Google Analytics: assigns a pseudonymous client identifier to distinguish unique visitors, tracks page views, session duration, user journeys, and site interactions over a 2-year period. Data is processed by Google LLC (US) under Standard Contractual Clauses.
Name
_ga_* (opens in new window)
Expiration
1 year
Function
Google Analytics 4: maintains session state and links interactions to the GA4 measurement property. Collects pseudonymous browsing data including pages visited, time on site, and interaction events.

Siteground

Functional

Usage

We use Siteground for website hosting.

Sharing data

This data is not shared with third parties.

Functional

Name
sgs-token-login-* (opens in new window)
Expiration
30 days
Function
SiteGround Security: Two-Factor Authentication (2FA) token that remembers authenticated admin sessions to bypass repeated 2FA challenges
Name
_I_
Expiration
1 year
Function
SiteGround hosting infrastructure: identifies unique browser sessions for dynamic cache management and security. Set at server level, not by JavaScript.

AdRoll

Marketing

Usage

We use AdRoll for advertising.

Sharing data

This data is not shared with third parties.

Marketing

Name
__adroll_fpc
Expiration
1 year
Function
AdRoll: first-party cookie that identifies unique visitors for retargeting advertising campaigns across websites
Name
__ar_v4
Expiration
1 year
Function
AdRoll: stores attribution data for tracking advertising campaign effectiveness and conversion measurement
Name
adroll_flgs
Expiration
session
Function
AdRoll: stores feature flags and configuration settings for the AdRoll retargeting pixel
Name
adroll_dqs
Expiration
session
Function
AdRoll: tracks the dequeue state of retargeting pixel requests to prevent duplicate ad tracking events
Name
ajs_anonymous_id
Expiration
1 year
Function
AdRoll advertising platform: pseudonymous visitor identifier set by AdRoll’s tracking script (which embeds the Segment analytics library) to recognise the same browser across visits for advertising attribution

Facebook

Marketing

Usage

We use Facebook for display of recent social posts and/or social share buttons. Read more about Facebook (opens in new window)

Sharing data

For more information, please read the Facebook Privacy Statement (opens in new window).

Marketing

Name
lastExternalReferrerTime
Expiration
session
Function
Meta/Facebook Pixel: records the timestamp of the last external referrer for ad attribution
Name
topicsLastReferenceTime
Expiration
session
Function
Meta Instagram Feed plugin: records content refresh timestamps. Associated with Meta content delivery infrastructure for feed caching and engagement tracking.
Name
lastExternalReferrer
Expiration
2 years
Function
Meta/Facebook Pixel: saves the full URL of the last external site that referred the visitor for ad attribution and retargeting
Name
_fbc (opens in new window)
Expiration
2 years
Function
Facebook click identifier that records which ad a visitor clicked before arriving at the site, used for ad attribution and conversion tracking
Name
fbm* (opens in new window)
Expiration
1 year
Function
Store account details
Name
xs (opens in new window)
Expiration
3 months
Function
Store a unique session ID
Name
wd (opens in new window)
Expiration
1 week
Function
Meta/Facebook: reads browser screen resolution for device fingerprinting used in ad targeting and content delivery
Name
fr (opens in new window)
Expiration
3 months
Function
Provide ad delivery or retargeting
Name
act (opens in new window)
Expiration
90 days
Function
Facebook: records login activity and session state for authentication and ad targeting
Name
_fbp (opens in new window)
Expiration
3 months
Function
Store and track visits across websites
Name
datr (opens in new window)
Expiration
2 years
Function
Facebook browser identifier used for site security, login verification and fraud prevention. Also used for ad targeting.
Name
c_user (opens in new window)
Expiration
30 days
Function
Store a unique user ID
Name
csm (opens in new window)
Expiration
90 days
Function
Facebook: companion cookie to c_user, used for login security verification and cross-site authentication
Name
sb (opens in new window)
Expiration
2 years
Function
Facebook: browser identifier used for login security, spam prevention and ad targeting
Name
actppresence (opens in new window)
Expiration
session
Function
Meta/Facebook: tracks whether the browser tab is active for engagement measurement and advertising infrastructure
Name
*_fbm_ (opens in new window)
Expiration
1 year
Function
Store account details

Google Ads

Marketing

Usage

We use Google Ads for advertising. Read more about Google Ads (opens in new window)

Sharing data

For more information, please read the Google Ads Privacy Statement (opens in new window).

Marketing

Name
_gcl_aw
Expiration
90 days
Function
Google Ads: stores ad click information (GCLID) to attribute website conversions to Google Ads campaigns
Name
_gcl_gs
Expiration
90 days
Function
Google Ads: stores click and session information used to link conversions across Google services
Name
_gcl_au
Expiration
3 months
Function
Google Ads conversion linker: stores a unique identifier used to measure ad conversions across pages

Managing Cookies

We provide a cookie consent management tool that can be accessed at all times from a small widget on the bottom right corner of our website. You can vary consent for cookies at any time while visiting the website by interacting with this tool.  Any change in consent will have immediate effect on the cookies that are dropped onto your device.

You can also adjust your browser settings to decline cookies or alert you when a website is attempting to place a cookie on your computer. Most browsers provide tools to enable you to set global settings regarding your cookie preferences.

These tools are usually to be found in the settings menu on your browser in a “Privacy & Security” menu item.

Third-Party Websites

Our website may contain links to and from third party websites. If you follow a link to any of these websites, please note that these websites have their own privacy settings, and these are not endorsed by us.  We do not accept any responsibility or liability for these third-party websites. Please undertake the appropriate due diligence before submitting any information to these websites.

Amendments To This Cookie Notice

We will post any changes to our Cookie Notice on our website and when doing so will change the effective date at the top of this Cookie Notice.  We will also update our Cookie Management Tool.