Our Cookie Policy

Summary of our cookie policy

We currently use a small number of cookies and similar technologies to continuously improve our website, app and your browsing experience. Some cookies are also essential for our website’s basic functionality.

  • Essential cookies: these are cookies without which our website cannot function. They help you access our website and each of its web pages by enabling basic functions like setting cookies. You may disable these by changing your browser settings, but this may affect how the website functions.
  • Non-essential cookies: we need your permission to hold and use these. For example, we use a third party service, Google Analytics, that helps assess the behavioural patterns on our website. By collecting visitors’ internet log information (such as IP address and type of browser) we can track the number of visits to each section of our website. This helps us improve the design of our website and its functionality. Please note, we do not make any attempt to find out the identities or nature of those visiting our website.

This policy describes in more detail how you can manage your cookies, the types of cookies we use and why we use them. You will always have the option to prevent some cookies from being stored, however, this could impact your experience.

Types of cookies

A cookie is a small file of letters and numbers that are stored on your browser or electronic device by the operators of websites that you visit. The length of time stored depends on the cookie, but this is generally between a few minutes and up to two years.

Our website monument.co and each of its web pages use two types of cookies:

  • Session cookies: these are temporary cookies that are stored only while you are browsing our website and are removed as soon as you close the browser. We use them to provide you with a better experience, for example, to avoid the re-entry of information.
  • Persistent cookies: These remain on your device even after you exit our website. We use them to recognise you when you come back and to remember your preferences. We can also use them to manage the traffic on our website efficiently and to improve your experience on our website. We store these for a maximum of 90 days.

Please be aware that cookies never store any of your bank account details.

Third party cookies

Session and persistent cookies can be either first- or third-party cookies. A first-party cookie is set by us, whilst a third-party cookie is provided by a third party that is providing a particular service.

We use Google Analytics, a web analytics service provided by Google, Inc. The cookies used by Google Analytics help us to analyse how users use the website and to count the number of people who use the website. We will anonymise your IP address so that Google Analytics will store only an anonymised version from which you are not identifiable. However, please note that Google Inc may transfer any data obtained through the use of Google Analytics to the US in order to balance its server usage. The US does not afford the same level of legal protections as are available in Europe, and in accepting our use of Google Analytics you are acknowledging that your anonymised IP address may be transferred to the US.

Cookies that we use

The table below summaries all the cookies that we use.

Cookie Type More information
Cookie Preferences (OptanonAlertBoxClosed) Essential, first-party Description: This cookie is set by our website because we use OneTrust, our cookie law compliance solution. It is set after you have seen a cookie information notice and only when you actively close the notice down. It enables our website not to show the message more than once.

Retention period: The cookie has a 90 day lifespan and contains no personal information.
Cookie Preferences (OptanonConsent) Essential, first-party Description: This cookie is also set by the cookie compliance solution from OneTrust. It stores information about the categories of cookies the site uses and whether you have given or withdrawn consent for the use of each category. This enables us to prevent cookies in analytics categories from being set in the users browser, when consent is not given. It contains no information that can identify the site visitor.

Retention period: The cookie has a 90 day lifespan, so that returning visitors to the site will have their preferences remembered.
Cookie Preferences (eupubconsent) Essential, first-party Description: This cookie is required by the IAB Europe Transparency & Consent Framework to store the user's consent.
Cookie Preferences (__cfduid) Essential, third-party Description: These cookies are required for the performance of the actual cookie consent tool. Without these, we cannot launch the cookie popup. They are owned by our cookie law compliance solution.
Cookie Preferences (OptanonConsent)
Cookie Preferences (OptanonAlertBoxClosed)
Google Analytics (_ga) Non-essential, performance (analytics) Description: This cookie is associated with Google Universal Analytics and is used to distinguish unique users. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports.

Retention period: 90 days
Google Analytics (_gid) Non-essential, performance (analytics) Description: This cookie stores and updates a unique value for each page visited.

Retention period: 1 day
Google Analytics (_gat) Non-essential, performance (analytics) Description: Default Google Analytics cookie used to limiting the collection of data on high traffic sites.

Retention period: It expires after few seconds
Google Tag Manager (_gtm) Non-essential, performance (analytics) Description: Google Tags are small snippets of code elements that are used to monitor system stability and performance, and user behaviour on our website. Google Tag Manager may collect some aggregated data about tag firing. This data does not include user IP addresses or any user-specific identifiers that could be associated with a particular individual.

Retention period: 14 days
Facebook (_fbp) Non-essential, performance (marketing) Description: This is associated with Meta. It tracks your activity across the web to make sure advertising is relevant to you.

Retention period: 89 days

We regularly audit our cookie usage to ensure that we have a full list and share accurate information with you in this policy. However, it is possible we may have missed one from our list above. If you happen to find one that is being set on our site, please let us know.

Managing your cookies

With your consent, we store non-essential cookies on your device. You can change your cookie preference at any time through the settings on your browser. This enables you to remove stored cookies by deleting them from your browser history (cache) when you leave our website.

To opt out of being tracked by Google Analytics across all websites, visit https://tools.google.com/dlpage/gaoptout.

You can find more information about cookies, including how to control the use of these through your browser settings, at www.allaboutcookies.org or www.aboutcookies.org.

We may revise this cookie policy at any time by amending this page. Please check it from time to time to take notice of any changes we may make. This page was last updated on 14th June 2023.

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Monument Bank Limited (10921940) is registered in England at 33 Cavendish Square, London, W1G 0PW. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under FRN 849724. Our lending and membership products are not included within the scope of this regulation; for more information, please see the Financial Services Register.

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