Policies

Insurance 4U is a trading name of Insurance 4U Services Limited Reg no:11314449, Registered in England & Wales.

Financial Conduct Authority 

Our firm is authorised and regulated by the Financial Conduct Authority (FCA) and as such we are required to comply with all of the FCA’s rules at all times. 

Staff have been; and will continue to be kept informed as to the rules and requirements; and will be monitored and assessed on an ongoing basis with regards to personal provision of service in relation to the sale and service to our customers. 

We the firm, and the individual members of management who are the Approved Persons responsible for the firm, as well as individual employees must comply at all times with our “Treating Customers Fairly” policy. 

All must remain “Appropriate Persons” and we must be aware of; and comply with all rules in relation to the sale of insurance and the disclosures to our customers. 

All staff dealing with the sale and administration of insurance must remain competent to do our jobs. 

We are required to comply with FCA’s “Fit and Proper” regime which requires that we notify FCA of any adverse items as necessary. 

Staff advise their direct line report of any personal financial problems they may have, which include defaults, CCJ’s, pending or actual convictions. 

If unsure as to what is reportable, staff are asked to discuss with their line report, who will make enquiries on their behalf and then notify staff of the advice to be given. 

We must comply at all times with the GDPR / Data Protection rules and this requires that we ensure that we are providing information to; and accepting instructions from the Policyholder. 

The only other time we may advise or take instructions from a person other than the policyholder, is when the legal paperwork is in place which permits another person to deal on behalf of the Policyholder. 

Client’s bank account details and / or credit card details are not be held on record and details are shredded for security purposes. 

We comply with the Consumer Credit rules at all times. 

The equipment used by employees is the property of; and responsibility of the firm and information contained thereon will be monitored and audited by management on a regular basis. 

This includes staff use of emails and the internet, as well as Client records. 

Staff must keep themselves informed as to the whistleblowing procedure and report any concerns. 

 

TCF Policy 

“We will ask a series of questions to establish the demands and needs of a Client. We will match a product with those demands and needs and make the relevant disclosures in relation to benefits and exclusions. 

We will break down the excesses applicable to the quotation and the payment terms in relation to the various payment methods. 

Only staff who are competent to deal with a particular piece of business will deal with a quotation and or arrange insurance. Staff who are being trained; and so have not been signed off as competent, will refer the case to a competent person prior to offering to the Client. 

Staff will comply with the procedures in relation to the collection of payments and will log these payments against the Client’s records at the time they are taken”. 

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Your employment with our firm is based on the combination of your Letter of Appointment, Contract of Employment, or other Agreement, compliance with the Staff Handbook and your current job description. 

You will be asked to read the Staff Handbook when it is first issued to you; and on a twice yearly basis thereafter. 

You will be notified of new or amended items when they are issued. 

A sign off sheet is available for you to sign to confirm your understanding of the items contained within the Staff Handbook and your signature will confirm your understanding of and acceptance of the items contained therein. 

Customer feedback 

Customer feedback can help us to identify when we are treating customers fairly and where improvements are needed. 

We monitor complaints to establish trends. 

Remember that a satisfied customer is not necessarily being treated fairly. Feedback responses help flag risks for you to consider. 

  • We consider how and when we use the feedback to get the most from it. 
  • We ask unhappy or disgruntled customers for their opinions and reasons for complaint or termination should matter to you. 

In using customer feedback, we think about the questions we are asking and establish if they help us to identify areas where we are/are not treating customers fairly. 

This information may be used where improvements are needed 

 

Anti-Bribery and Corruption Policy 

We are aware that our firm must be vigilant about bribery and corruption, which are both criminal offences under the Bribery Act 2010, whether committed in the UK or abroad. 

We are aware that Bribery is a serious criminal offence and corrupt acts expose us and our employees to the risk of prosecution, fines and imprisonment, as well as endangering the Company’s reputation. 

We are committed to the prohibition of such conduct. This is not just a cultural and moral commitment but we understand that this is also a legal requirement. 

We have a strict anti-bribery and corruption policy in line with the Bribery Act 2010. 

A bribe is defined as: giving someone a financial or other advantage to encourage that person to perform their functions or activities improperly or to reward that person for having already done so. 

If you bribe (or attempt to bribe) another person, intending either to obtain or retain business for the company, or to obtain or retain an advantage in the conduct of the company’s business this will be considered gross misconduct. 

Similarly accepting or allowing another person to accept a bribe will be considered gross misconduct. In these circumstances, we will be subject to formal investigation under the Company’s disciplinary procedures, and disciplinary action up to and including dismissal may be applied 

We consider and take steps to address the risk of bribery and corruption within our business, including where these risks come from third parties. 

Steps we take: 

  • senior management stay up to date with, and are fully abreast of bribery and corruption issues 
  • we have adequate bribery and corruption risk assessment 
  • policies and procedures (including staff recruitment, vetting and remuneration) cover bribery and corruption risks 
  • training and awareness programmes ensure staff have adequate understanding of the risks associated with bribery and corruption 
  • Management have risk-sensitive measures that address the risk that a third party acting on behalf of the firm may engage in corruption 

 

Business Continuity Policy 

Our firm is committed to providing the best possible experience to our customers and the best possible relationships with employees, shareholders and suppliers. 

To ensure the consistent availability and delivery of its products and services, our firm has a Business, Systems and Controls, Continuity and Disaster Recovery policy in support of a comprehensive program for the overall business survivability. 

The Company, like any other firm, is exposed to potential risks that could disrupt or destroy critical business functions and/or the production and delivery of Company goods and services. 

Our strategy for continuing business in the event of an incident, is to ensure the safety and security of all employees; and to continue critical business functions, production and delivery of services from predefined alternative sites. 

Purpose and Scope 

The purpose of the policy is to ensure that all Company business activities can be kept at normal or near-normal performance following an incident that has the potential to disrupt or destroy the Company. 

The scope of this policy is the entire Company and is overseen by Senior Management. 

Statement of Policy 

The firm is responsible for preparing regular Registers of Risks which have been identified; and to develop comprehensive Business Contingency arrangements and Continuity Plans. 

All work is documented and there is evidence of plans to quickly minimise any impact on business; and to ensure that all systems and assets can be restored to normal, or near-normal operation as quickly as possible. 

When a plan is completed, approved and implemented, each plan will include procedures and support agreements which ensure on-time availability and delivery of required products and services. 

Each plan must be certified annually with the business continuity policy compliance process through the Risk Committee. 

Our firm recognises the importance of an active and these plans and fully support the program to ensure the safety, health and continued availability of employment of its employees; and the production and delivery of services for customers and other stakeholders. 

Our firm requires the commitment of each employee, department and vendor in support of the activities required to protect Company assets, mission and survivability. 

Resolution of issues in the development of, or support of, all BC/DR plans and associated activities should first be coordinated with the Risk Team and appropriate internal or external organisations before submitting to Management. 

The issue resolution process is defined in the following section. 

Each plan must define appropriate procedures, staffing, tools and workplace planning activities necessary to meet compliance requirements. 

Plan templates have been developed to facilitate the plan development process, and these templates shall be used for all plans. 

Compliance Verification is required annually and is facilitated by regular reviews and will be documented. 

Maximum delay for compliance is one year from the original date of compliance. 

Penalties for Non-Compliance 

In situations where a Company department or member of staff does not comply with the policy, the Senior Management will prepare a brief stating the case for non-compliance and will work to resolve as quickly as possible. 

Failure to comply within the allotted time for resolution, may result in verbal reprimands, notes in personnel files, termination and other remedies as deemed appropriate. 

 

Clean Desk Policy 

Within the original Data Protection Act requirements and more so with the introduction of GDPR in 2018, we are required to safeguard information about our Customers. 

Most information is held on our Computer systems and the software providers have implemented the necessary steps to ensure that Customers information is protected. 

As a firm and as we take information from Customers over the phone and in relation to certain products, we hold a paper file we have introduced a “Clean desk” policy. 

Where the customers information is held on the computer system, as and when staff take details of bank accounts, credit card numbers and any other personal information, staff must shred the information as soon as the computer record has been updated. 

In the event that a paper file is used the above will still apply. 

The paper file must be on view for other staff and management at all times and must not be kept in a drawer or similar. 

When signing out at the end of a shift or working day the staff member must place all paper files in the allocated area. 

Paper files must not be left on desks when the staff member is not at their desk. 

Management have arranged a secure area for paper files and these will be locked away at the end of a working day. 

 

Conduct Risk Policy 

Conduct risk is not a defined term under FCA rules but rather an expectation on the part of the FCA which is also expected by the Insurers and Providers with whom we deal. 

Our firm understands that we must establish a culture at senior Management level; and ensure that this culture is understood and applied throughout the firm. 

Also, that the long term aims of the firm underpin continuous improvement through four-way communication. 

We have in place a robust framework which ensures good conduct at all levels and in all our procedures, systems and controls. 

We comply with what FCA have defined are the areas where they expect firms to avoid: 

Prioritising profit over ethics and commercial interests over consumer outcomes. We do not incentivise staff. They are paid a regular salary and can earn bonuses if set. Bonuses set are on the basis that they meet TCF requirements, i.e. business is not placed for a higher commission unless the customers benefits. 

We do not apply a tick box approach nor an overly legalistic approach to compliance 

We comply with TCF rules in providing a product which best suits the needs of a customer. We provide full disclosure and explain the cover, benefits and exclusions of a policy. Providing a product which matches the demands and needs of a customer is our objective. 

We apply TCF at all stages of the sales process through our procedures, systems and controls to comply with the expectations of the FCA, Insurers and our Providers. 

We have also considered the five key questions asked by the FCA and are satisfied that our procedures, systems and controls will meet the expectations. 

All staff receive training when they join the firm and refresher training on a regular basis in relation to the identification of Risks to the Business. 

We encourage people in front, middle, back office, control and support functions to feel responsible for managing conduct. All are asked to consider their roles, duties and responsibilities and they are encouraged to promote continuous improvement. 

We help our staff to improve through regular assessments, staff meetings, appraisals and one to one briefings with their managers. 

Our Partners/ Directors are kept informed on a regular basis of all items which have been identified as Risks or potential risks. Staff report to their line managers and these are passed to the board to be logged, allocated and reviewed until such time as they are closed. 

We continuously monitor all aspects of the business and any conduct risk items would be identified and dealt with as above. 

 

Conflicts of Interest Policy 

Our firm provide insurance products to the general public via relationships with Insurance Companies, Wholesalers, Lloyds Insurance Companies, Appointed Representatives and Introducer Appointed Representatives. 

Staff on joining the firm complete an induction, followed by an assessment of their competence to deal with the public and tasks. 

Training and assessment is carried out to ensure that all staff remain competent, or they are removed from tasks until re-trained and competent once more. 

There are clear procedures in place in all departments. 

Systems and Controls are in place in all departments. 

Management and Staff identify Conflicts as they arise, and these will be reported to senior Management who will record these on an ongoing basis and deal accordingly. 

We will apply a “quick fix” when necessary while establishing the root cause of the problem. 

Solutions are established and where necessary procedures, systems and controls are amended and training is delivered on the changed item. 

Full information is recorded on the Risk Registers. 

A conflict of interest may arise in any area of the business in the course of providing its clients with a service where the firm benefits, whilst potentially damaging (financially or otherwise) another client to which the firm owes a duty of fair treatment. 

Our firm will manage conflicts of interest fairly, both between itself and its clients and between clients and another client. 

We therefore have a duty to ensure that we have appropriate arrangements in place to identify and manage conflicts that may arise between the firm and its clients. 

We seek to identify any conflicts of interest that exist and put in place measures we consider appropriate to the relevant conflict, in an effort to monitor, manage and control any potential impact of those conflicts on its clients. 

Potential Conflicts of interest which may arise: 

A direct or indirect financial interest 

A direct or indirect financial interest held by a commercial undertaking we may have connections with 

A personal association or relationship with those affected, or likely to be affected, by the information or issue in question 

An expectation of a future interest (for example, future employment) 

In some cases, a previous association with the information or issue in question 

A relevant interest of an immediate family member, in the types of circumstances set out above. 

An interest arising from a common interest grouping, such as a trade association or other public or private society 

This list is not exhaustive, nor will all of the examples necessarily give rise to significant conflicts of interest. 

The firm’s staff are required to report any potential conflicts to Senior Management. 

All Conflicts, once reported are managed and overseen by the Partners, Board or Sole Proprietor, whichever applies, until such time as a resolution is found. 

 

Data Protection Act and GDPR Policy 

The Data Protection Act 1998 requires that information held on computer about living individuals must be registered with the Data Protection Register and can only be disclosed in accordance with the registered entry. 

People about whom information is held are entitled to be informed, and be compensated for inaccuracy or unauthorised disclosure. 

Every individual has a personal responsibility to comply with the eight principles of the Act and policy. 

Accordingly, failure to follow these rules could result in disciplinary action being taken against you which in turn could result in dismissal without notice and, in some cases prosecution. 

The Act controls how personal information is used by organisations, businesses or the government. 

Everyone responsible for using data has to follow strict rules called ‘data protection principles’. They must make sure the information is: 

  • used fairly and lawfully 
  • used for limited, specifically stated purposes 
  • used in a way that is adequate, relevant and not excessive 
  • accurate 
  • kept for no longer than is absolutely necessary 
  • handled according to people’s data protection rights 
  • kept safe and secure 
  • not transferred outside the European Economic Area without adequate protection 

 

There is stronger legal protection for more sensitive information, such as: 

  • ethnic background 
  • political opinions 
  • religious beliefs 
  • health 
  • sexual health 
  • criminal records 

 

The introduction of GDPR rules now add the requirement to obtain consent from the customer as to how and when they may be contacted. 

Customers also have the right to be forgotten. 

 

Fair Treatment of Customers Policy 

We must be able to show consistently that fair treatment of customers is at the heart of our business model. 

Above all, customers expect financial services and products that meet their needs from firms they trust. 

Consumer outcomes 

There are six consumer outcomes that we strive to achieve to ensure fair treatment of customers. These remain core to the firm. 

  • Outcome 1: Consumers can be confident they are dealing with a firm where the fair treatment of customers is central to the corporate culture. 
  • Outcome 2: Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly. 
  • Outcome 3: Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale. 
  • Outcome 4: Where consumers receive advice, the advice is suitable and takes account of their circumstances. 
  • Outcome 5: Consumers are provided with products that perform as firms have led them to expect, and the associated service is of an acceptable standard and as they have been led to expect. 
  • Outcome 6: Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint. 

 

Regulatory responsibilities 

We are responsible for making sure customers are treated fairly and we provide explicit and implicit guidance on the fair treatment of customers. Principle 6 says: ‘A firm must pay due regard to the interests of its customers and treat them fairly’, but other principles also apply to this area of business behaviour. 

These principles apply even for firms that do not have direct contact with retail customers. Risks and poor conduct can be carried from wholesale to retail markets. 

Sole advisers 

Sole advisers have the same responsibility as larger firms to demonstrate the fair treatment of customers. This responsibility cannot be delegated away but it should be proportionate; and relevant to the size of your firm. 

For example, we would not expect to see the same level of documentation or analysis of management information for a sole adviser that we would expect in a firm with a large team of advisers. 

 

Money Laundering and Terrorist Financing Policy 

The Proceeds of Crime Act 2002 requires a firm to submit a Suspicious Activity Report to the National Crime Agency if you know or suspect that a person is engaged in, or attempting, money laundering. 

The Money Laundering Regulations 2007 applies to certain financial activities including General Insurance Intermediaries. 

The regulations require that we apply a risk based procedure and measures to check customer due diligence and take other steps to prevent our services from being used for money laundering or terrorist financing. 

All authorised firms are subject to the Money Laundering Regulations; and to meet additional, but complementary regulatory obligation. 

Firms must apply policies and procedures to minimise their money laundering risk. 

Our internal controls effectively monitor and manage our firm’s compliance with anti-money-laundering (AML) policies and procedures. These controls are appropriate to the size of our firm, the products we offer, the parts of the world where we do business and the types of customers who use our services. 

Responsibility for this policy has been given to our Directors / Partners / Sole Proprietor, but has specifically been allocated to Mark Griffiths. 

They know about and understand the money-laundering risks to our firm and make sure steps are taken to mitigate those risks effectively 

As a General Insurance Intermediary, we are not required to appoint a Money Laundering Reporting Officer (MLRO), however we do have systems and controls in place to prevent financial crime. 

We are aware that we are subject to the Proceeds of Crime Act 2002. 

Without these systems and controls (eg no process for reporting knowledge or suspicions of money laundering) we will be at risk of committing money-laundering offences. Therefore, we have chosen to implement controls like those adopted by firms’ subject to the Money Laundering Regulations and the AML rules. 

Central to meeting our AML obligations is a risk assessment of our firm’s business, as it will help us to develop effective and proportionate prevention procedures. As the risks change over time, our risk assessment will be kept up-to-date. 

We make sure that our employees understand and comply with them and we monitor the procedures to ensure that they continue to be appropriate for our business as it develops, and that they work well. 

The risk-based approach means a focus on outputs. We apply a risk-based approach to anti-money laundering (AML) where they will have the biggest impact. 

We have in place policies and procedures in relation to customer due diligence and monitoring, among others, but neither the law nor our rules prescribe in detail how we have to do this. 

Our practices have been applied based on the nature of the money-laundering risks we believe that we face and the type of products we sell. 

We keep informed via Insurer, legal and market information as to money-laundering trends and threats from external sources. 

We also rely on our own experiences and observations. This allows us to effectively review and revise our AML tools to fit the specific risks that we face. 

 

Outsourcing Policy 

The FCA Handbook defines outsourcing as ‘…the use of a person to provide customised services to a firm…’. 

When considering persons and or firms to whom we will outsource we will ensure that they: 

  • Have the skills and resource available to meet the demands of the outsourced element 
  • Due diligence is carried out prior to entering into an arrangement and at regular intervals thereafter to ensure that the Outsourced provider complies with: 
    • Principle 2 – Skill, care and diligence – A firm must conduct its business with due skill care and due skill, care and diligence.
    • Principle 3 – Management and control – A firm must take reasonable care to organise and control its affairs responsibly and effectively, with adequate risk management systems.
    • Principle 6 – A firm must pay due regard to the interests of its customers and treat them fairly.

A firm’s governing body is likely to delegate many functions and tasks for the purpose of carrying out tasks are delegated, either to employees or to appointed representatives or, where applicable, its tied should be put in place;

When there is delegation, a firm should assess whether the recipient is suitable to carry out the delegated function or task, taking into account the degree of responsibility involved;

The extent and limits of any delegation should be made clear to those concerned.

There should be arrangements to supervise delegation, and to monitor the discharge of delegates functions or tasks; and

If cause for concern arises through supervision and monitoring or otherwise, there should be appropriate follow-up action at an appropriate level of seniority within the firm.



Our Website

Insurance 4U is committed to protecting your privacy. We value our visitors and endeavour to create an enjoyable and safe shopping experience when visiting our website.

This privacy policy sets out how we use and protect any information that you give when you use this website. We are committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement. We may change this policy from time to time by updating this page.

Information collected by our website

  • What we collect For the purpose of making an enquiring or placing an order, our website may collect the following information. Your name and appropriate contact information including email address, address, preferences and interests. Other information relevant to customer surveys and/or offers may also be requested.
  • What we do with the information collected We require this information to understand your needs and provide you with more information for the product(s)/service(s) you have requested. Your information may also be stored in a CRM system for Internal record keeping. We may use the information to improve our products and services. We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided. From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:
  • Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.
  • If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen. You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee may be payable. If you would like a copy of the information held on you please write to or email us.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible. We will promptly correct any information found to be incorrect.

Security

  • Website Security We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
  • External Links Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

An introduction to cookies

A cookie is a small data file that is automatically placed onto your computer's hard drive. Cookie files are created by our website and placed onto your device in order to analyse and influence your preferences or behavior. Analytical cookies are designed to track your journey and experience on our website - so that we may tailor your experience and gather data. Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us. The majority of modern web browsers will automatically allow cookies to be placed onto your device. However you can usually modify your browser's settings in order to prevent any cookies from being placed onto your device. Setting your browser to block cookies may prevent you from taking full advantage of our website. Cookies deployed by our website:
  • Ensure that functionality operates as intended
  • Remember your choices and preferences during and between visits
  • Allow you to share pages via popular social media networks including Facebook and Twitter
  • Allow you to interact with our website by leaving comments or opinions
  • Post enquiries via online forms
  • Track your visit for statistical analysis, allowing us to improve the usability, speed and security of our website
Cookies are not deployed to:
  • Collect any personal identifiable information (without your express permission)
  • Collect any sensitive information (without your express permission)
  • Pass data to advertising networks
  • Pass personally identifiable data to third parties
  • Pay sales commissions

Your consent for cookie deployment by our website.

Upon your first visit to our website, you may have noticed our banner alerting you to the use of cookies by our website. In compliance with the 2011 EU Cookie Law, our website operates on an 'Implied Consent' basis. This means that we have assumed that you have 'opted-in' for our website to deploy cookies until you choose to deactivate them within your browser settings or via the instructions below. Below you can learn more about the specific cookies deployed by our website, and how they can be disabled. For more information on the EU Cookie Law in the UK, we recommend visiting the Information Commissioner's Office (ICO) website where you can find the latest information, guidelines and advice on the EU Cookie Law.

Cookies used by our website

  • Social Network Sharing We encourage users to share our content and/or like our on profile on the popular Social Media websites Facebook, Twitter, YouTube, Google+ and LinkedIn. In order to make 'Social Sharing' accessible, our website utilises widgets either provided directly from the Social Networks and/or via amalgamative widgets from third parties such as AddThis. Cookies and privacy implications from the social networks vary and will be dependent on your nominated privacy settings with each Social Network. Social Sharing buttons will only deploy cookies if you are signed to that respective Social Network at the time of being on our website.
  • Analytical Tracking Our website has Google Analytics installed which allows us to track and compile anonymous visitor statistics. The information collected ranges from simple traffic volume to the type of browser you are viewing our website with. This information is valuable to us not just for marketing analysis and quantification, but to improve the usability, security and load speed of our website content. Google Analytics is a popular, secure, flagship webmaster product from Google. The privacy and security of Google Analytics data is a high priority at Google that you can read more about on Google's Analytics Data Safeguarding page. Google also offer a Google Analytics Opt-out Browser Add-on that will allow you to automatically Opt-out of all websites that track your activity via Google Analytics. No personal information is collected by Google Analytics.
  • Cookie Consent Check Upon your first visit to our website, you will notice a subtle banner on the page alerting you to the fact that cookies are being placed onto your computer by our website. In order for our website to remember your choice of opting-in, we store a cookie which expires after the set amount of days below (see table).
  • Wordpress Our website, either in full or in part, is built on the popular open-source CMS framework - WordPress. WordPress utilises cookies to allow visitors to register, login and comment on our website's content. If you do not wish to participate in commenting on our website, Wordpress will not deploy any cookies onto your device. Cookies will only be created by Wordpress if you actively register or comment via the clear forms on our website.
  • Enquiry Forms Our website's visitors can choose to contact us via form(s) on our website. In order to prevent spam enquiries, we protect our forms with anti-spam challenges which ensure the visitor is an actual living person, rather than a computer bot or spider.

Actual cookies deployed

Below is a table of information which lists all cookies deployed and used on our website.
Cookie CategoryCookie NameCookie Description
Cookie ConsentcomplianceCookieThis cookie is set by our website once you have seen and acknowledged our Cookie banner. This cookie will expire and automatically delete itself after [30] days.
Google Analytics (Universal)_ga, _gatThe single default cookie for Google Universal Analytics. This sole cookie used by Goole Analytics stores a unique client identifier (Client ID) which is set randomly. This cookie is set to expire after 24 months (2 years) and is refreshed each time you visit our website.
_utmbA Google Analytics cookie, which creates a timestamp of the exact moment when a visitor enters a site.
_utmcA Google Analytics cookie, which creates a timestamp of the exact moment when a visitor leaves the site.
_utmvUsed for reporting in Google Analytics classifying the visitor.
_utmzA Google Analytics cookie which tracks where the visitor came from, what search engine was used, what link was clicked on, what keywords used, and where in the world the site was accessed from.
WordPresswp-settings-{time}-[UID]Serveral WP Settings cookies may be set if you log into the website. The number on the end is your individual user ID from the users database table. This is used to customise your view of admin interface, and possibly also the main site interface.
wordpress_test_cookiewordpress_wordpress_logged_inThese WordPress session cookies are created if and when you log into WordPress either as an administrator or contributor to the website.
devicePixelRatioThis cookie records your device's pixel ratio. If your screen resolution is a retina or Hi DPI screen, then the website may choose to serve you higher resolution graphics.

How to disable cookies

Most modern browsers allow you to control your cookie settings for all websites that you browse. You can disable cookie deployment completely by editing your browser settings, however in doing this you may be limiting the functionality that is displayed on our website. To learn how to disable cookies on your preferred browser we recommend reading this advice posted by Google.

If you are concerned about cookies tracking your movements on the Internet then you may be concerned about spyware. Spyware is the name given to a particular band of cookies that track personal information about you. There are many antispyware programs that you can use to prevent this from happening. Learn more about antispyware software - https://en.wikipedia.org/wiki/Spyware. You call also disable Google Analytics on all websites by downloading the Google Analytics Opt-out Browser Add-on.