Cookies Policy

This policy deals with how and when cookies are used by the Equifax Group and its related entities (collectively, ‘Equifax’). This policy does not deal with your personal information. For details about how Equifax collect, use, hold and disclose personal information, please visit our Privacy Policy.

What are cookies?

A cookie is a small data file, stored on the visitor’s computer or mobile device which uniquely identifies the computer or mobile device to the site and is used to control access to the site content and other functionality, for example, they can help us to remember your username and preferences or even allow us to recommend content we believe you'd be most interested in or would be most relevant to you.

What types of cookies does Equifax use?

There are two types of cookies that we may use on our websites: “session cookies” and “persistent cookies”.

A session cookie is a temporary file used to store information regarding your current browser session. It is deleted when you close your browser. This type of cookie is used to facilitate your activities within that site.

A persistent cookie is a file that is saved on your computer and contains information that can be read by a website when you return to it. This type of cookie is to manage your user experience, or provide anonymous statistical analysis relating to your visits. 

None of the cookies store any personal information that could be used to identify you. 

First-party cookies and Third-party cookies

First-party cookies are cookies that are set by the websites of Equifax directly. Equifax may use the information you provide to assist us with database profiling. This is aimed at improving the quality of products and services offered to you.

Third-party cookies are cookies that are set on your computer or mobile device by external websites whose service are used on our websites. 

Third-party cookies may also be placed on your computer or mobile device by our business partners so that they can use them to advertise products and services to you elsewhere on the Internet. These cookies use aggregate de-personalised information provided by Equifax to help clients’ personalise your experience when you visit their website.

What are cookies used for by Equifax?

Equifax uses cookies across its websites and/or selected third party sites, with which we have a business relationship.

Equifax uses cookies to enable us to improve performance and enhance user experience by tailoring our online marketing services to make it more relevant to you and your interests. We also use cookies to measure traffic patterns, to determine which areas of our websites have been visited, and to measure transaction patterns in the aggregate. We use this to research our users’ habits so that we can improve our online products and services.  

Equifax also offers a number of services, including marketing services, to its clients which may involve the use of cookies. Cookies placed on third party websites by Equifax help us to monitor the efficacy of our business relationships with third parties, improve performance as well as personalise your experience when you visit their website.

Equifax may disclose the information collected via use of cookies on our websites to third parties for marketing purposes.

By using our website(s) and not opting-out of cookies, you consent to our use of cookies in accordance with the terms of this policy.

How long will cookies stay on my device?

The length of time a cookie will stay on your computer or mobile device depends on whether it is a “persistent” or “session” cookie. Session cookies will only stay on your device as long as your session on the website. Persistent cookies stay on your computer or mobile device until they expire, you opt-out or are deleted.

How do I opt-out of, control and delete cookies?

Most web browsers automatically accept cookies. However, you do not have to accept cookies and you can, should you choose at any time, reject or block the use of cookies and delete all cookies currently stored on your device.

You may opt-out of Equifax and third parties (whom Equifax has a relationship with) using cookies by clicking here.   This places an opt-out cookie on your computer or mobile device to indicate to Equifax that you do not want Equifax to collect or share online advertising data from cookies about you with our clients. By opting-out, this does not mean that you will no longer receive other non-cookie related marketing. However, if you ever delete the opt-out cookie from your browser, buy a new computer or mobile device, or change web browsers, you will need to perform the opt-out task again. It is only when an opt-out cookie is present on your browser that Equifax knows that you have decided not to participate in Equifax's cookie advertising program. You may set your computer or mobile device’s internet browser to notify you when you receive any third party cookie, which includes Equifax's cookies, and be given a choice to block the cookie.

If you opt-out or delete a cookie, you may still use Equifax's websites, but you may be limited to the functionality in some areas.

 

This policy was last updated on 30 June 2016.