Cookie Policy

Money Adviser Network

This document sets out information about the cookies we use when you visit Money Advisor Network Debt Advice Referral.

What's in this guide

What are cookies?

Cookies are small files that websites save on your phone, tablet or computer to help them remember your preferences and improve your experience.

How can I control my cookies?

You can change your cookie preferences at any time using the 'Cookie preferences' link in the footer of this site. Alternatively, most web browsers allow some control of most cookies through the browser settings.

There is more information on how to manage cookies on the Information Commissioner's Office website.

What cookies do we use?

We currently use three types of cookies:

- Strictly Necessary cookies, which are required for the site to work

- Analytics cookies, which collect information about how you use the service to help us improve it

- Marketing and Communication cookies

The Money Advisor Network Debt Advice Referral is intended for UK-based users so we follow UK law, including the Data (Use and Access) Act 2025.

We've recently updated our approach to cookies to improve your experience on our website. In line with the Data (Use and Access) Act 2025, we won't have to ask you to accept analytics cookies, which help us improve our services. But you can still reject these cookies using the 'Cookie preferences' link in the footer of this site.

There is more information on how to manage cookies on the Information Commissioner's Office website.

Strictly Necessary cookies:

These cookies are essential for the website to work, and to keep your information secure. Without these, the website won't work properly. We do not need to ask permission for essential cookies. They do not store any personal data. They expire as shown in the table below.

If you do not want us to use them, you can turn off cookies in your web browser, but the service may not work properly.

Necessary cookies we use are:

Cookie Name	Purpose	Expires
accessToken	Token used for application access/authentication	Session expiry
refreshToken	Token used to refresh the accessToken when the session expires (providing the refresh token is still valid).	Session expiry
userId	Used in analyitcs as a way to identify if a new session is the same user - no personal information.	Session expiry
csrfToken	Used for security when making external API calls	Session expiry
user	Encrypted user session data including username and session info	Session expiry
data	Encrypted application data and user responses to questionnaire flow	Session expiry
__cf_bm	Cloudflare places the __cf_bm cookie on End User devices that access Customer sites that are protected by Bot Management or Bot Fight Mode.	30 mins
AMP_TOKEN	Used to track user activity and link user sessions between AMP (Accelerated Mobile Pages) content and non-AMP content.	1 hour
CookieControl	Set when a user first lands on our website and the top cookie consent banner is displayed. With this cookie in place, the top cookie consent banner will be hidden.	1 year and 1 month

Cookies that measure website use (Analytics):

We use analytics cookies to collect information about how you use the Money Advisor Network Debt Advice Referral Service, for example what pages you visit and what you click on.

This helps us understand how we can improve the services.

We do not share this data or allow anyone else to use it.

Analytics cookies we use:

Name	Purpose	Expires
Microsoft Clarity
_clck	Stores a unique ID and your preferences so the website can anonymously track how people use the site and make improvements based on that behaviour.	13 months
_clsk	Links together the different pages you visit during one visit, so your activity can be viewed as a single session to better understand how people use the site.	1 year
CLID	Identifies the first-time Clarity saw this user on any site using Clarity.	13 months
ANONCHK	Checks if a unique ID used for advertising is being shared, but since this site doesn't use that advertising feature, the setting is always turned off.	13 months
MR	Indicates whether to refresh MUID (Microsoft User ID).	13 months
MUID	Identifies unique web browsers visiting Microsoft sites. These cookies are used for advertising, site analytics, and other operational purposes.	13 months
SM	Used in synchronizing the MUID across Microsoft domains.	13 months
Google Analytics
_ga	Used by Google Analytics to recognise returning visitors by assigning a unique ID, helping us understand how people use our website over time.	2 years
_gid	Used by Google Analytics to identify visitors but only tracks activity within a single day.	24 hours
_ga_<container-id>	Used by Google Analytics to identify and track an individual session with a user device.	1 minute
_gat_gtag_<container-id>	Used by Google Analytics to limit requests to its service.	1 minute
_utma	Used by Google Analytics to track visitor behaviour and measure site performance.	2 years
_gat_UA	Used by Google to limit collection of data on high traffic sites.	10 minutes
_dc_gtm_*	Used by Google Tag Manager to load scripts related to Google Analytics.	1 minute
Glassbox
_cls_s	Session identifying cookie. It also indicates if the visitor is new or existing.	Session expiry
_cls_v	Visitor identifying cookie.	1 year
Bc	Enables recording of user sessions across subdomains.	Session expiry
Adobe Marketing Cloud
s_ecid	Stores a unique Experience Cloud ID, which helps link your visits and activity across different parts of the website for analytics purposes.	2 years
s_cc	Determines if cookies are enabled. Set by JavaScript.	Session expiry
s_sq	Used by Activity Map. It contains information about the previous link clicked by the visitor.	Session expiry
s_vi	Stores a unique visitor ID and timestamp.	2 years
s_fid	Stores the fallback unique visitor ID and timestamp.	2 years
s_ac	Helps set other cookies correctly and is deleted right after it's used.	Immediate
mbox	Stores a few values, including your session ID and settings, to help the website work properly.	2 years
at_check	Temporary cookie to check if the cookie read/write capability is enabled on the browser.	Session expiry
AMCV_*	Stores a unique visitor ID.	Session expiry
AMCVS_*	Used to indicate that a session is in progress.	Session expiry

Cookies that help with our communications and marketing:

These cookies may be set by third party websites.

Cookie Name	Purpose	Expires
SRM_B	This cookie is set by Microsoft Bing Ads and is used to collect user information for advertising purposes. It helps deliver targeted ads and measure the effectiveness of ad campaigns across websites.	1 year
_uetvid	This is a cookie utilised by Microsoft Bing Ads and is a tracking cookie. It allows us to engage with a user that has previously visited our website.	1 day
_uetsid	Used by Microsoft Bing Ads to track user behavior on a website.	1 day
bcookie	It helps LinkedIn track user activity, primarily for security and and improved user experience, and supports features like the LinkedIn app login.	1 year
li_gc	Used by LinkedIn to record whether a user has agreed to the use of non-essential cookies on LinkedIn to track conversions and analyse advertising performance.	6 months
lidc	Used by LinkedIn to select the appropriate data center for a user's activity to ensure your information is sent to the correct location.	1 day
Muc_ads	Used to track user interactions with Twitter ads to improve ad targeting and performance measurement.	1 year and 1 month
Personalization_id	Used to personalize the user experience, such as remembering preferences or displaying relevant content.	8 weeks
test_cookie	This cookie is set by Google's DoubleClick advertising platform to check if a user's browser accepts cookies.	15 minutes
__adal_ca	Records information about the advertising campaign that brought you to our website. This helps us measure which ads are most effective.	6 months
__adal_cw	Tracks which ads you've already seen so we don't show you the same one too many times.	7 days
__adal_id	Stores an anonymous identifier so Adform can recognise your browser during a visit and on future visits for advertising and analytics purposes.	1 year
__adal_ses	Keeps track of your activity on our site during a single visit (session) so we can understand how people interact with our pages.	30 minutes
_fbp	Used to store and track visits across the website.	3 months
_gcl_au	Used to store and track conversions (Google Adsense)	3 months