Cookie Policy

Our Cookie Policy

Perrenial Limited is the trading name of Apache Risk Consulting Ltd, registered in England and Wales under company number 11644634. Its registered office is at International House 36-38 Cornhill, London EC3V 3NG, United Kingdom. Perrenial are the owner and operator of www.perrenial.co.uk (our "Website"), which uses cookies and other similar tracking technologies including pixel tags (which we collectively refer to as "cookies" in this Cookie Policy) to collect data from your device. Like many financial services businesses, we need to collect this data for the Website to operate, but we also use it to provide the best experience, deliver service messages, understand how you use our Website, provide social media features, personalise content, and deliver adverts.

This Cookie Policy describes:

what cookies are;

our use of cookies;

how you can manage cookies used on our Website;

where you can find further information about how we keep your personal information safe;

links to site provides by others;

further information; and

changes to this Cookie Policy.

What are cookies?

Cookies are small files that websites place on the device you are using to browse the site. Cookies are commonly used to record some aspect of your visit to a site, such as choices you have made or preferences you have set during your visit and some cookies may collect personal data about you.

We use cookies to perform lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences and generally improving your browsing experience. They can also help ensure that ads you see online are more relevant to you and your interests.

We use cookies to:

Ensure your security and privacy when in our secure sites;

Store login details for our secure sites;

Temporarily store input information in our calculators, basket, illustrations, and demonstrations;

Provide you with ads that are more relevant to you and your interests, improve our targeting and enhance your journey through our sites;

Improve our understanding of how you navigate through our sites so we can identify improvements;

Evaluate our sites’ advertising and promotional effectiveness; and

We use both our own (first party) and third-party cookies to support these activities.

The types of cookies used on this Website fall into one of four categories – strictly necessary, performance, functionality and targeting. Below is a summary of the types of cookies we use and why we use them:

Necessary

These cookies are essential for our online services and tools to work. They collect or record information that we need to make our site work.

Other important jobs they do are:

Help you navigate around the site

Allow you to log in or access private areas of our site

Storing information for e-billing.

Functional

These cookies allow us to provide you with enhanced features and personalisation. Functionality cookies allow us to provide you with enhanced features that need to remember your preferences and choices, such as your username, language, or region. If you do not allow these cookies, then some or all of these functions may not function properly. Uses for this type of cookie include:

Help to provide services or to remember settings to improve your visit.

We use Functionality cookies primarily to identify whether and when you have visited our sites previously.

The information we store in these cookies is encrypted so that only we can read it.

Performance

These help us to ensure that the Website is working properly and fix any errors. These also tell us how people are using our Website, and this lets us implement new ideas to improve our products and services.

Performance cookies do not identify you personally and are not linked to any other personal data we store about you.

The information collected using these cookies is anonymous and cannot be used to identify an individual visitor.

Targeting

Targeting cookies permits us – through our third-party service providers – to identify whether and when you have seen or clicked on a particular Perrenial advertisement on a third-party website. These cookies remember that you have visited our site as well as what interested you on our site, such as the pages you viewed.

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

These cookies are also used to limit the number of times you may see advertising content and to tailor the messaging we serve you. They may measure brand awareness and effectiveness, and to help us understand the value of that advertising on your relationship with Perrenial.

To deactivate the use of third-party advertising cookies, you may change your preferences at any time by clicking on the Cookie Policy link on our Website.

Setting your preferences

You can control how non-essential categories of cookies are placed on your device using the cookies privacy preferences overview settings.

Change Cookie Preferences

Cookie Settings

Using the preference settings, please indicate the categories you wish to consent to using and then click "Save preferences" to retain your preferences for future visits. You can change these preferences and deactivate non-essential cookies at any time by clicking on the ‘Cookie Settings’ link on our Website.

If you choose to refuse or delete cookies, some, or all of the functions on our Website may not be available to you. If you use multiple devices to access our Website you should ensure that the browser on each device is adjusted to suit your cookie preferences.

If using your browser to manage cookies, the cookies preferences you set in your browser will replace any you set on a single website. For example, if you run an ad blocker on your browser, you won’t see product ads that are tailored to you, even if you have accepted cookies. The procedures for managing cookie preferences differ from browser to browser. If you change the settings on your web browser or delete your cookies, you will be requested to provide your consent again the next time you visit our Website.

Keeping your personal information safe

Our cookies do not store personal information such as your name, address, phone number or email in a format that can be read by others. The cookies we use cannot read or search your computer, smartphone, or web-enabled device to obtain information about you or your family, or read any material kept on your hard drive.

We do use a small number of cookies that store encrypted versions of information where you have asked us to, such as the ‘Remember me’ function that allows us to remember your Account username for subsequent visits. However, this is encrypted so that only Perrenial can read this information. The website that places a cookie owns that cookie. This means only that website and other sites that it has agreed to share information with can read the information stored using a cookie.

We are committed to using cookies fairly and in accordance with applicable privacy rights. Our Privacy Notice can be accessed here.

Links to sites provided by others

If you follow a link from our Website to another website, please be aware that the owner of the other website will have their own privacy and cookie policies for their site. We recommend you read their policies as we are not responsible or liable for what happens at their site.

More information about cookies

You can find out more about managing and switching off cookies at the independent website: All About Cookies.

If there is something that you are not sure whether you need or not it’s usually safer to leave cookies enabled in case it does interact with one of the features you use on our site. However, if you are still looking for more information you can contact us via Email: asad.khalil@perrenial.co.uk or Phone: +44 (0)7399025851.

Changes to the Cookie Policy

If this Cookie Policy changes, the revised policy will include a new effective date and will be posted on this page. Please check back regularly to keep informed of updates. The effective date of this Cookie Policy is October 2023.