Privacy and Cookie Policy

Privacy and Cookie Policy

Last updated: August 2012.

Data security

In order to check your identity and protect you and your hard earned money from fraud we may ask for personal information at the start of our relationship and in subsequent communications. We know this can sometimes be irritating but we wouldn’t want to leave you open to potential crime – plus we would be in breach of the 1998 Data Protection Act if we didn’t ask for this information.

Privacy Policy

We will only use your personal data in line with the provisions of data protection legislation. Your data will be used to process your application and service your plan.

Sometimes we may provide your data, by electronic or other means, to:

Other companies within the Skandia and Old Mutual groups of companies, if we regard this as necessary to service your plan.
Your financial adviser.
A third party to verify your identity, in line with money laundering or other requirements. This may involve carrying out checks with credit reference databases.
Third parties who perform tasks for us to help us service your plan. These third parties may be based in countries outside the European Economic Area.

Whilst these countries may not have data protection laws equivalent to the UK’s we will ensure that third parties agree to treat your data with the same level of protection as if we were dealing with it.

To prevent and detect fraud we may share your data with other organisations, including the police, and check and/or file your data with fraud prevention agencies and databases. If we are given false or inaccurate information and we suspect fraud, we will record this. Skandia and Old Mutual group of companies may use your data for assessment and statistical analysis purposes.

Your data may be made available to third parties where required by law, court order or regulation. You are entitled on payment of a small fee, to receive a copy of your data which is subject to the Data Protection Act 1998. You also have the right to require us to correct any inaccuracies in your data.

Use of cookies

Cookies are small text files that are placed on your computer by websites that you 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 site.

Our websites may automatically collect information from your computer using cookies which provide us with limited personal information. We will use this data primarily for the following purposes:

Security
Enhance and personalise aspects of our service
Show that you have read any relevant legal information
Analyse how our site is used

The tables below explain all the cookies we use and why. This Privacy Policy supports a number of Skandia websites. The list below shows the websites included in this privacy policy. Please see the relevant table for the website you are visiting:

Skandia’s public website: www.skandia.co.uk
Skandia’s secure online services for customers (Client Extranet): www.skandia-life.co.uk/beacon/frameset/uk/clients.htm

Financial Adviser websites and tools:
Skandia Investment Solutions: www.skandiais.co.uk
SkandiaView: www.skandia-life.co.uk/beacon/frameset/uk/wrap.htm
Managed Fund Analyser: www.managedfundanalyser.co.uk
Personal Funds List: https://pfl.skandia.co.uk
U-Skan: https://uskan.financialexpress.net
Capital Gains Calculator: https://trinity.financialsoftware.co.uk/skandiauat/client/default.aspx
NTS: www.skandiantsfm.com

Skandia's public website: www.Skandia.co.uk

Cookie	Name	Purpose	More information
Google Analytics	__utma __utmb __utmc __utmz __utmv	These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.	See an overview of privacy at Google.

Cookie	Name	Purpose
Financial Adviser	advisor_verification	In order to access the Adviser area of the site you are asked to confirm that you are a Financial Adviser, the cookie stores the response.
Session ID	ASPSESSIONIDCCBBSRDS ASPSESSIONIDSAABRRQD ASPSESSIONIDACCDRRDT PHPSESSID	These cookies are used to store a string of random numbers and letters which identify a particular visit to our website; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.
Share This	__uset __stid __unam	Many of our pages include a ‘ShareThis’ button, which allows you to share our content via email, Twitter, Facebook etc. These cookies enable that service to work smoothly: '_stid' is a random unique identifier and is used to associate users with topics of interest, based upon the content they consume and share. '_uset' is used to indicate when a user has been cookied so that the task is not repeated in the next eight hours.
Session Control (Careers section)	ASPSessionID ASPSessionConfirmed SecurityString ClientUseASPSession	These cookies are used to store a string of random numbers and letters which identify a particular visit to our website along with flags which tell the site that you are connected. They allow the web page to work as you need it to. The cookies are automatically deleted when you close your browser or the web application.
Application Control(Careers section)	ClientKeyID GSPersonID JID LJP PersonID	These cookies are used to store strings of random numbers and letters to help the website to identify you, the job you are looking at or are reporting on, the company the job is with and the part of the site you are currently using. These cookies are automatically deleted when you close your browser or the web application.
My Funds	SelectedRows	In the Fund Information section of the website, the 'My Fund' option uses this cookie to keep track of your selected funds.

Skandia’s secure online services for customers (Client Extranet): www.skandia-life.co.uk/beacon/frameset/uk/clients.htm

Cookie	Name	Purpose
Remember User Settings	FskbcnExtranetIdCookie FskbcnUserLocaleCookie FskbcnUserTypeCookie	These cookies enable us to control which elements of the website you can see based upon the user settings you have selected. This ensures you only see the pages that are relevant to your user settings.
Path	Path	This cookie is used to store the state of your session as you move around the pages of the website.
Session	ASPSESSIONIDCAQCDRSS	These cookies are used to store a string of random numbers and letters which identify that particular visit to our web site; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.

Skandia Investment Solutions: www.skandiais.co.uk/

Cookie	Name	Purpose
Overlay responses	TS609209 TS3c31d_28, TS3c31d_77 TS3c31d_28, TS3c31d_77 TSc48d4c, TS829438, TS829438_28, TS707013, TS707013_28, TSff3465	Within the site there are numerous overlays which appear when certain actions are performed. You are asked to tick a box if you do not want the message to appear each time and the cookies store these responses.
Page Authentication	RolesBasedAthentication	This cookie enable us to control which elements of the website you can see based upon the user settings you have selected. This ensures you only see the pages that are relevant to your user settings.
Session	ASP.NET_SessionId .ASPXAUTH _sn	These cookies are used to store a string of random numbers and letters which identify that particular visit to our web site; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.

SkandiaView: www.skandia-life.co.uk/beacon/frameset/uk/wrap.htm

Cookie	Name	Purpose
Remember User Settings	FskbcnExtranetIdCookie FskbcnUserLocaleCookie FskbcnUserTypeCookie	These cookies enable us to control which elements of the website you can see based upon the user settings you have selected. This ensures you only see the pages that are relevant to your user settings.
Remember User Settings	PrimaryBrokerNumber Username	These cookies enable us to control which elements of the website you can see based upon the user settings you have selected. This ensures you only see the pages that are relevant to your user settings.
Functions	FunctionalityData FunctionalityID FunctionalityGroup	These cookies store what functionality should be available on the site dependent on your user settings.
Session ID	ASPFIXATION ASPSESSIONIDCAQCDRSS	These cookies are used to store a string of random numbers and letters which identify a particular visit to our website; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.
Path	Path	This cookie is used to store the state of your session as you move around the pages of the website.

Managed Fund Analyser: http://www.managedfundanalyser.co.uk/

Cookie	Name	Purpose	More information
Adviser Validation	ValidationFlag	You are asked to confirm that you are a Financial Adviser in order to access the site. The cookie stores the response.
Google Analytics	__utma __utmb __utmc __utmz __utmv	These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.	Click here for an overview of privacy at Google.

Personal Funds List: https://pfl.skandia.co.uk/

Cookie	Name	Purpose
Pagelocker	PageLockerSessionID	This cookie is used to store the state of your session as you move around the pages of the website. It will also identify you as being authorised to log in to secure areas of the site.
Session	ASP.NET_SessionId	These cookies are used to store a string of random numbers and letters which identify that particular visit to our web site; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.

U-Skan: https://uskan.financialexpress.net/

Cookie	Name	Purpose
Session ID	ASP.Net Session ID	This cookie is used to store a string of random numbers and letters which identify a particular visit to our web site; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.

Capital Gains Calculator: https://trinity.financialsoftware.co.uk/skandiauat/client/default.aspx

Cookie	Name	Purpose
Login	LoginPrefs	This cookie stores your username if you select “remember my username?" checkbox on the login screen. Speeds up future login process.
User Company	CGixCompany	This cookie is used to assist the login process and controls the system permissions/access.
Timeout	timeoutCookie	This cookie is used to work out if a pre-set time has elapsed. If it has the session will time out and you will have to re-visit the page.
Session	Session Cookie ASP.NET_SessionId	These cookies are used to store a string of random numbers and letters which identify a particular visit to our website; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.

NTS: http://www.skandiantsfm.com/

Cookie	Name	Purpose
Session ID	ASPSESSIONIDxxxxxxxx	This cookie is used to store a string of random numbers and letters which identify a particular visit to our website; enabling the web page to work as you need it to. The cookie is automatically deleted when you close your browser or the web application.
Session Information	_skbcnExtranetId_ _skbcnUserLocale_ _skbcnUserType_	These cookies are used to record the username you use to access the site, the language you prefer to use and the type of user account you have.

Most web browsers allow control of most cookies through the browser settings. If at any time you wish to withdraw your consent for cookie usage then please delete the cookies generated by our websites from your browser. Please note that deleting any of these cookies may result in you not being able to enter or use all of the features of our websites.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit http://www.allaboutcookies.org/

YouTube cookies

We embed videos from our official YouTube channel using YouTube’s privacy-enhanced mode. This mode may set cookies on your computer once you click on the YouTube video player, but YouTube will not store personally-identifiable cookie information for playbacks of embedded videos using the privacy-enhanced mode. To find out more please visit YouTube’s embedding videos information page

Search engine

The search engines on our websites are designed to be as powerful and easy to use as the popular search engine Google. The search is made possible on some of our websites by a piece of hardware (a search ‘appliance’) supplied by Google that is plugged into our server and continuously indexes the content on our site. All search requests are handled by the appliance and no personal information is passed on to any third party, including Google.

Content posted by you

If you post any personal information to any of our public forums/blogs, this information may be made immediately available to other users throughout the world who may use it to send you unsolicited communications. If you post any content in breach of our site’s terms of use we may inform any Internet provider and law enforcement agencies about the content and your behaviour.

Changes to the Privacy Policy

From time to time we may be required or, need to, update this Privacy Policy. Where necessary and appropriate we may contact you through the email address if provided, to advise of a change. All changes will be accessible from all Skandia UK sites through the 'Privacy Policy' and notification of the last date of change will be placed at the top.

Legal and Contact Information

The registered office of Skandia UK is at:

Skandia House,
Portland Terrace,
Southampton, SO14 7EJ

You have a right to access the personal data held about you. To obtain a copy of the personal information we hold about you, please write to us at the above address.

We will use all reasonable efforts to answer any questions or resolve any concerns regarding your privacy promptly.