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Cookie Policy

Last Updated: 10 June 2025

This Cookie Policy explains how PensionWise Navigator ("we", "us", or "our") uses cookies and similar technologies on our website www.pensionwisenavigator.co.uk (the "Website"). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

1. What Are Cookies?

Cookies are small text files that are stored on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and provide information to the website owners.

Cookies allow a website to recognize your device and remember if you've been to the website before. They help websites understand how you interact with them, remember your preferences, and can be used to improve your experience.

2. Types of Cookies We Use

We use the following types of cookies on our Website:

2.1 Necessary Cookies

These cookies are essential for the Website to function properly. They enable core functionality such as security, network management, and account access. You cannot opt out of these cookies as the Website cannot function properly without them.

Examples include cookies that enable you to stay logged in to secure areas of the Website or cookies that remember your cookie preferences.

2.2 Analytics Cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our Website. They help us know which pages are the most and least popular and see how visitors move around the Website.

All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited our Website.

2.3 Marketing Cookies

These cookies may be set through our Website by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other websites.

They do not directly store personal information but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

3. Third-Party Cookies

In addition to our own cookies, we may also use various third-party cookies to report usage statistics of the Website and deliver advertisements on and through the Website.

These third-party services may use cookies, pixels, or other tracking technologies to collect information about your use of the Website and other websites. This information may be used to provide measurement services, targeted ads, or other operations.

4. Cookie Management

When you first visit our Website, you will be presented with a cookie consent banner that allows you to accept or decline non-essential cookies. You can change your preferences at any time by clicking on the Cookie Settings button that appears at the bottom left of every page.

Most web browsers also allow you to manage your cookie preferences. You can:

  • Delete cookies from your device
  • Block cookies by activating settings on your browser that allow you to refuse the setting of all or some cookies
  • Set your browser to alert you when cookies are being sent

Please note that if you choose to block or delete cookies, you may not be able to access certain areas or features of our Website, and some services may not function properly.

4.1 Browser Settings

To manage cookies through your browser settings, follow the instructions below for your browser:

  • Google Chrome: Settings > Privacy and security > Cookies and other site data
  • Microsoft Edge: Settings > Cookies and site permissions > Manage and delete cookies and site data
  • Mozilla Firefox: Options > Privacy & Security > Cookies and Site Data
  • Safari: Preferences > Privacy > Cookies and website data
  • Opera: Settings > Advanced > Privacy & security > Cookies

5. Specific Cookies We Use

The table below lists the specific cookies we use on our Website:

5.1 Necessary Cookies

  • cookieConsent: Stores your cookie preferences (Duration: 1 year)
  • sessionId: Manages user session on our website (Duration: Session)

5.2 Analytics Cookies

  • _ga: Google Analytics cookie used to distinguish users (Duration: 2 years)
  • _ga_[ID]: Google Analytics cookie used to persist session state (Duration: 2 years)
  • _gid: Google Analytics cookie used to distinguish users (Duration: 24 hours)
  • _gat: Google Analytics cookie used to throttle request rate (Duration: 1 minute)

5.3 Marketing Cookies

We only use marketing cookies if you explicitly consent to them. These may include:

  • Cookies from social media platforms if you choose to share our content
  • Cookies from video platforms if you view embedded videos on our site

6. What Happens If You Disable Cookies?

If you disable or decline cookies, some features of the Website may not function properly. For example:

  • Your cookie preferences will not be saved, meaning you'll be asked about cookies each time you visit
  • Some interactive features may not work correctly
  • We won't be able to remember your preferences or personalize your experience

7. Other Tracking Technologies

In addition to cookies, we may use other similar technologies on our Website:

  • Web Beacons: Small graphic files with a unique identifier that are used to track online movements of web users or to access cookies.
  • Pixels: Tiny graphics with a unique identifier embedded in websites or emails to track user activities.
  • Local Storage: Similar to cookies but can store larger amounts of data and are stored in your browser rather than on your device.

These technologies work similarly to cookies and are subject to the same controls and preferences.

8. Changes to This Cookie Policy

We may update our Cookie Policy from time to time. We will notify you of any changes by posting the new Cookie Policy on this page and updating the "Last Updated" date at the top.

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies and related technologies.

9. Contact Us

If you have any questions about our Cookie Policy, please contact us at:

Email: [email protected]

Address: PensionWise Navigator, 5 Exchange Quay, Salford M5 3EF

Phone: +441618008008

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PensionWise Navigator is dedicated to providing educational resources about retirement financial planning, helping individuals understand the principles of securing their financial future.

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