Cookie Policy

1. Introduction

We use a number of different cookies on our site. If you do not know what cookies are, or how to control or delete them, then we recommend you visit https://www.aboutcookies.org for detailed guidance. This policy also covers local storage software that performs the same or similar functions to cookies.

As explained further in the 'Targeting Cookies' section below, we work with certain third parties (such as Google, Facebook, and Microsoft) to advertise different products and services and to understand how our website and services are being used. If you would like to control which companies are delivering advertisements to you based on your behaviour and interests, visit http://www.youronlinechoices.com/uk/.

If you are not happy with our Cookie Policy, you should either not use our website, or you should delete the cookies having visited the site. Due to our use of cookies for functions such as logging in and maintaining your session, some aspects of our service may not work if you attempt to browse the site with cookies blocked.

2. What Are Cookies?

A cookie is a small piece of data (text file) that a website asks your browser to store on your device when you visit it. This helps us remember information about you, such as your language preference or login information. These cookies are set by us and called first-party cookies. We also use third-party cookies, which are cookies from a different domain than the website you are visiting, for our advertising, marketing, and analytics efforts.

We use cookies and other tracking technologies for these purposes:

2.1. Strictly Necessary Cookies

These cookies are necessary for the website to work and can't be switched off in our systems. They're usually only set when you do something that requests a service, like setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site won't work properly. These cookies don't store any personally identifiable information.

Strictly Necessary Cookies

2.2. Performance Cookies

These cookies let us count visits and traffic sources so we can measure and improve how our site performs. They help us know which pages are most and least popular and see how visitors move around the site. All information these cookies collect is combined and anonymous. If you don't allow these cookies we won't know when you've visited our site, and we won't be able to monitor how it's performing.

Performance Cookies

2.3. Targeting Cookies

Our advertising partners may set these cookies through our site. They use them to build a profile of your interests and show you relevant adverts on other sites. They don't store personal information directly, but they identify your browser and internet device. If you don't allow these cookies, you'll see less targeted advertising.

Targeting Cookies

2.4. Customer Support Cookies

These cookies help us provide better customer support by remembering your preferences and previous interactions. When you log in, these cookies connect to your account so we can give you personalized help.

Customer Support Cookies

Note: When you log in, Intercom cookies connect to your account so we can give you better, personalised support.

3. Managing Your Cookie Preferences

3.1. Browser Settings

Most browsers allow you to:

• See what cookies you have and delete them individually
• Block third-party cookies
• Block cookies from particular sites
• Block all cookies
• Delete all cookies when you close your browser

4. Your Rights Under GDPR

You have the right to:

• Access your personal data
• Rectify inaccurate data
• Erase your data (right to be forgotten)
• Restrict processing
• Data portability
• Object to processing
• Withdraw consent at any time

5. Third-Party Opt-Outs

• Google Analytics: https://tools.google.com/dlpage/gaoptout
• Facebook Advertising: https://www.facebook.com/settings?tab=ads
• Microsoft Bing Ads: https://about.ads.microsoft.com/en-us/resources/policies/opt-out-of-the-microsoft-advertising-optimization-program
• General Advertising Preferences: http://www.youronlinechoices.com/uk/

6. Contact Information

If you have any questions about our use of cookies or wish to exercise your rights under GDPR:

• Email: hello@getpenfold.com
• Phone: 020 8003 5908
• Address: Penfold, The Ministry, 79-81 Borough Rd, London, SE1 1DN

7. Policy Updates

This cookie policy was last updated: January 2025

We may update this policy from time to time to reflect changes in how we use cookies or legal requirements. We'll let you know about significant changes through our website or by email if you have an account with us.

Penfold Savings Limited is authorised and regulated by the FCA (No. 826097). With pensions, as with all investments, your capital is at risk.