Cookies policy

This is the cookies policy of Avantcard DAC of Dublin Road, Carrick-on-Shannon, Co Leitrim. Avant Money and Avantcard are the registered trading names of Avantcard DAC in the Republic of Ireland and are referred to throughout this document as “Avant Money”, “we”, “us”, “our”. Avantcard DAC is a subsidiary of Bankinter Consumer Finance E.F.C, S.A. which is part of the Bankinter group (the 'Bankinter Group’).

This cookie policy is applicable to the following domains and subdomains:

• avantmoney.ie
• my.avantmoney.ie
• documentcentre.avantmoney.ie
• creditcardservices.anpost.com
• cardandloandoccentre.anpost.com
• broker.avantmoney.ie
• mortgages.avantmoney.ie

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device e.g. computer, laptop, tablet or mobile phone, when you visit our websites and subsites. Cookies are then sent back to our website on each subsequent visit, or to another website that recognises that cookie. Cookies are useful because they allow a website to recognise your device.

Cookies help us collect data about you and how you use our services – for example, we're interested in which internet browser you used to visit our website, how long you visited and which pages you looked at. We monitor our website to better serve you in future.

You can clear cookies set on our website from previous web browsing sessions. Below are instructions on how to do this on the main browsers:

• Google Chrome
• Apple Safari
• Mozilla Firefox
• Internet Explorer

Types of cookies and their purpose
Avant Money uses the following types of cookies on our websites:

• Strictly Necessary cookies – These cookies are essential in order to enable you to move around our websites and use its features. Without these cookies, services you have asked for, like accessing secure areas of our websites, cannot be provided.
• Performance cookies – These cookies collect information about how you use our websites, for instance which pages you visit most often, and if you get error messages from web pages. These cookies don’t collect information that identifies you. The information these cookies collect enables us to create statistics on how our websites are used, is aggregated and therefore anonymous. It is only used to improve how our websites work.
• Functionality cookies – These cookies allow our websites to remember choices you make (such as your username, language or the region you are in) and provide enhanced, more personal features. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.
• Targeting/Advertising cookies – These cookies are set through our websites by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. 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 targeted advertising.

Other definitions

• First Party cookies – These are cookies that are directly stored by the Avant Money domains you visit.
• Third Party cookies – These are cookies that are created by domains other that the Avant Money domains and are mainly used for tracking and online-advertising purposes.
• Session cookies – These are cookies that are removed when a user closes the web browser.
• Persistent cookies – These are cookies that have an expiration date for a set period of time.

The cookies we use

Strictly Necessary cookies
Name: OptanonConsent
Description: (First Party cookie) This cookie is set by our cookie compliance solution from OneTrust. It stores information about the categories of cookies our domains use and whether visitors have given or withdrawn consent for the use of each category. This enables Avant Money to prevent cookies in each category from being set in the users browser, when consent is not given.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie.
Expiry: Persistent cookie – 6 months

Name: OptanonAlertBoxClosed
Description: (First Party cookie) This cookie is set by our cookie compliance solution from OneTrust. It is set after visitors have seen a cookie information notice and in some cases only when they actively close the notice down. It enables the website not to show the message more than once to a user.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie.
Expiry: Persistent cookie – 6 months

Name:  __RequestVerificationToken_Lw__#######
Description: (First Party cookie) Anti site forgery protection - this helps us prevent fraudsters making copies of our websites.
Hosted by: avantmoney.ie, documentcentre.avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com.
Expiry: Session cookie

Name: incap_ses_#######
Description: (First Party cookie) Used for managing communications to the sites through our web firewall. Used for managing user sessions. It makes our websites safer, faster, and more reliable.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com.
Expiry: Session cookie

Name: incap_ses_#######
Description: (Third Party cookie) Used for managing communications to the sites through our web firewall. Used for managing user sessions. It makes our websites safer, faster, and more reliable.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com.
Expiry: Session cookie

Name: visid_incap_#######
Description: (First Party cookie) Used for managing communications to the site through our web firewall. In order to identify clients which have already visited Incapsula. It makes websites safer, faster, and more reliable. A website using Incapsula protection routes it's users through a network of servers which blocks the latest web threats (e.g., SQL injection attacks, scrapers, malicious bots, comment spammers), and thwarts DDoS attacks.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com.
Expiry: Persistent cookie – 12 months

Name: visid_incap_#######
Description: (Third Party cookie) Used for managing communications to the site through our web firewall. In order to identify clients which have already visited Incapsula. It makes websites safer, faster, and more reliable. A website using Incapsula protection routes it's users through a network of servers which blocks the latest web threats (e.g., SQL injection attacks, scrapers, malicious bots, comment spammers), and thwarts DDoS attacks.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com.
Expiry: Persistent cookie – 12 months

Name: nlbi_#######
Description: (First Party cookie) Incapsula DDoS Protection and Web Application Firewall: This is a load balancing cookie which ensure requests by a client are sent to the same origin server.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com.
Expiry: Session cookie

Name: nlbi_#######
Description: (Third Party cookie) Incapsula DDoS Protection and Web Application Firewall: This is a load balancing cookie which ensure requests by a client are sent to the same origin server.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com
Expiry: Session cookie

Name: OLBSessionIRL
Description: (First Party cookie) Used for managing communications to the site through our web firewall. Used for managing load balancing.
Hosted by: avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com
Expiry: Session cookie

Name: dtPC, dtLatc, dtSa, dtCookie
Description: (First Party cookie) These cookies are provided by Dynatrace, an application performance management (APM) software company. They are used for the monitoring of the site for stability, performance and errors and form a critical service for ensuring continuous availability of the site.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie
Expiry: Session cookie

Name: dtCookie
Description: (Third Party cookie) This cookie is provided by Dynatrace, an application performance management (APM) software company. It is used for the monitoring of the site for stability, performance and errors and forms a critical service for ensuring continuous availability of the site.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, broker.avantmoney.ie.
Expiry: Session cookie

Name: rxvt
Description: (First Party cookie) This cookie is used to store two timestamps to determine session length. If a user has not been active in the web page for more than 15 minutes, the session is terminated for security purposes.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie
Expiry: Session cookie

Name: rxVisitor
Description: (First Party cookie) This cookie is used to store an anonymous ID for the user to correlate across sessions on the world service. Part of the monitoring of our sites for stability, performance and errors and forms a critical service for ensuring continuous availability of the site. This enables us to review user sessions for errors or issues as part of website debugging.
Hosted by: avantmoney.ie, my.avantmoney.ie, documentcentre.avantmoney.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie
Expiry: Session cookie

Name: did_proxy
Description: (First Party cookie) Used as part of ours sites security when using 2 Factor Authentication - issued by Arcot.
Hosted by: avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com
Expiry: Persistent cookie - 30 minutes

Name: enableCaptcha
Description: (First Party cookie) Used by our sites to regulate use of Google Captcha. Part of the security of the sites.
Hosted by: avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Session cookie

Name: JSESSIONID
Description: (First Party cookie) General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
Hosted by: avantmoney.ie, my.avantmoney.ie, broker.avantmoney.ie
Expiry: Session cookie

Name: JSESSIONID
Description: (Third Party cookie) General purpose platform session cookie, used by sites written in JSP. Usually used to maintain an anonymous user session by the server.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com, broker.avantmoney.ie
Expiry: Session cookie

Name: COOKIE_SUPPORT
Description: (First Party cookie) This cookie is set by Liferay (our content management system) for the purpose of indicating the users support of cookies.
Hosted by: avantmoney.ie, broker.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: LFR_SESSION_STATE_#######
Description: (First Party cookie) These cookies are set by Liferay (our content management system) for the purpose of indicating the users support of cookies.
Hosted by: avantmoney.ie, broker.avantmoney.ie
Expiry: Session cookie

Name: .ASPXAUTH
Description: (First Party cookie) Cookie associated with websites and applications built using ASP.NET MVC technology. It is associated with the authentication in forms.
Hosted by: my.avantmoney.ie, creditcardservices.anpost.com
Expiry: Session cookie

Name: GUEST_LANGUAGE_ID
Description: (First Party cookie) This cookie remembers the users language.
Hosted by: avantmoney.ie, broker.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: IdUserReference, ApplicationId, ApplicationRecieved, ApplicationSubStatus, DateToAccess, UrlSite, ProductTypeName, Document?#########
Description: (First Party cookie) These cookies are used to display information required for the site to work and ensure correct communication with the backend services.
Hosted by:documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry:Persistent cookie - 12 months

Name: ASP.NET_SessionId
Description: (First Party cookie) Cookie used by sites written with Miscrosoft .NET based technologies. Usually used to maintain an anonymised user session by the server.
Hosted by: documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Session cookie

Name: eupubconsent
Description: (First Party cookie) This cookie is used by the IAB Europe Transparency and Consent Framework to store the user’s consent to the data collection purposes. The cookie holds an encrypted consent string that vendors participating in the framework can read and determine the user’s consent.
Hosted by: avantmoney.ie, my.avantmoney.ie, creditcardservices.anpost.com, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Session cookie

Name: _cfduid
Description: (Third Party cookie) This cookie is hosted by OneTrust and used for hosting the Cookie Consent tool script. It is used to manage cookies on websites.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 30 days

Name: TS01e680a5
Description: (Third Party cookie) This is a session identifier provided by the server. It is used to identify a user who has logged into our website and to be able to offer them the content they require.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: Document?SEAI Grant - Declaration of Works document, Document:Pre - approval SEAI grant document, Document:Green Loan Car Dealer Quotation
Description: (First Party cookie) These cookies are used to display information required for the site to work and ensure correct communication with the backend services.
Hosted by: cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie – 12 months

Name: ID
Description: (First Party cookie) This cookie is generated by the web platform (Liferay) to establish an ID that is used to maintain user session variables between the pages of the website.
Hosted by: broker.avantmoney.ie
Expiry: Session cookie

Name: COMPANY ID
Description: (First Party cookie) This cookie is generated by the web platform (Liferay) to establish an ID that is used to maintain user session variables between the pages of the website.
Hosted by: broker.avantmoney.ie
Expiry: Session cookie

Name: onfido-web-sdk-analytics
Description: (First Party cookie) This cookie is necessary to enable Onfido to investigate and troubleshoot any potential issues that may arise during the Onfido Journey.  It will also help Onfido learn more about user behaviour and continuously improve customer experience.
Hosted by: documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie - 30 days

Name: onfido-js-sdk-woopra
Description: (First Party cookie) This cookie is necessary to enable Onfido to investigate and troubleshoot any potential issues that may arise during the Onfido Journey.  It will also help Onfido learn more about user behaviour and continuously improve customer experience.
Hosted by: documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie - 2 years

Name: wooTracker
Description: (First Party cookie) This cookie is necessary to enable Onfido to investigate and troubleshoot any potential issues that may arise during the Onfido Journey.  It will also help Onfido learn more about user behaviour and continuously improve customer experience.
Hosted by: documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie - 2 years

Name: mkra_stck
Description: (First Party cookie) This cookie is necessary for functionality of the Onfido automated ID&V process and reliability of same.
Hosted by: documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie - less than 1 second

Name: ARRAffinity
Description: (First Party cookie) This cookie is used to affiliate a client to an instance of an Azure Web App.
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: ARRAffinitySameSite
Description: (First Party cookie) This cookie is used for load balancing to make sure the visitor page requests are routed to the same server in any browsing session.
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: KC_RESTART
Description: (First Party cookie) This cookie is used for authentication and Single Sign On. (This cookie tracks if there is a client timeout, then the authentication session can be restarted.)
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: AUTH_SESSION_ID_LEGACY
Description: (First Party cookie) Authentication and Single Sign On (Legacy sticky session cookie. For backwards compatibility)
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: AUTH_SESSION_ID
Description: (First Party cookie) Authentication and Single Sign On (Sticky session cookie.)
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: .EBSCORE$1
Description: (First Party cookie) Authentication cookie.
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: EBSCORE$1-CSRFToken
Description: (First Party cookie) Cross-Site Request Forgery prevention token cookie.
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: EBSCORE$1-CorrelationId
Description: (First Party cookie) Browser session specific cookie used for logging.
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: EBSCORE$1-culture
Description: (First Party cookie)Current language. Preserves language settings between user sessions.
Hosted by: mortgages.avantmoney.ie
Expiry: 365 Days

Name: EBSCORE$1-ShowTooltipsOnForms
Description: (First Party cookie) Show/hide tooltips in FintechOS Portal forms.
Hosted by: mortgages.avantmoney.ie
Expiry: 100 Days

Name: EBSCORE$1-palette
Description: (First Party cookie) Palette settings for FintechOS Portal.
Hosted by: mortgages.avantmoney.ie
Expiry: 100 Days

Name: EBSCORE$1-theme
Description: (First Party cookie) Theme settings for FintechOS Portal.
Hosted by: mortgages.avantmoney.ie
Expiry: 100 Days

Name: EBSCORE$1-timezone
Description: (First Party cookie) User agent's timezone (moment.js client library)
Hosted by: mortgages.avantmoney.ie
Expiry: 365 Days

Name: IdToken
Description: (First Party cookie) Keeps the identity token generated by the IDP provider for the current user.
Hosted by: Keycloak
Expiry: Session cookie

Name: AccessToken
Description: (First Party cookie) Keeps the access token generated by the IDP provider for the current user for accessing the platform resources.
Hosted by: Keycloak
Expiry: 5 Mins

Name: RefreshToken
Description: (First Party cookie) Keeps the session token generated by the IDP provider for the current user session.
Hosted by: Keycloak
Expiry: 30 Mins

Name: RefreshExpTicks
Description: (First Party cookie) Keeps the session token time to live expressed in ticks.
Hosted by: Keycloak
Expiry: 30 Mins

Name: RefreshExpTicks
Description: (First Party cookie) Stores the account information of the authenticated user, such as user ID, username and roles.
Hosted by: Keycloak
Expiry: 5 Mins

Name: KEYCLOAK_IDENTITY_LEGACY
Description: (First Party cookie) Fallback cookie that contains the same information as KEYCLOAK_IDENTITY and is provided for backwards compatibility with older versions of Keycloak.
Hosted by: Keycloak
Expiry: 5 Mins

Name: KEYCLOAK_SESSION
Description: (First Party cookie) Cookie that keeps track of the user's session.
Hosted by: Keycloak
Expiry: 10 Hours

Name: KEYCLOAK_REMEMBER_ME
Description: (First Party cookie) This cookie is used if a user opts for a "remember me" feature during login.
Hosted by: Keycloak
Expiry: 0 Mins

Performance cookies
Name: _gid
Description: (First Party cookie) This cookie is associated with Google Universal Analytics which is a significant update to Google’s more commonly used analytics service. This cookie is responsible for tracking user behaviour. It expires after 24 hours of inactivity.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie – 1 day

Name: _ga
Description: (First Party cookies) This cookie is associated with Google Universal Analytics which is a significant update to Google’s more commonly used analytics service. This cookie is used to identify unique users by assigning a randomly generated number as a client identifier.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Persistent cookie - 24 months

Name: _gat_UA-
Description: (First Party cookie) This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Session cookie

Name: _gclxxxx
Description: (First Party cookie) This is a google conversion tracking cookie.
Hosted by: avantmoney.ie, my.avantmoney.ie
Expiry: Persistent cookie – 90 days

Name: _gali
Description: (First Party cookies) Used by Google Analytics to determine which links on a page that are being clicked.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 30 seconds.

Name: _dc_gtm_UA-xxxxxxxx
Description: (First Party cookie) This cookie is used by Google Tag Manager to load other scripts and code into a page e.g. Google Analytics. It helps us monitor the use and performance of our websites.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: __utmvc,  __utmvm, __utmva, __utmvb, __utmv
Description: (First Party cookies) These are Google Analytic cookies that are used to collect data about how visitors use our sites. We use the data to compile reports and to help us improve the site.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com
Expiry: Session cookie

Name: __utma
Description: (First Party cookie) This cookie is used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.
Hosted by: my.avantmoney.ie
Expiry: Persistent cookie – 24 months

Name: __utmt
Description: (First Party cookie) This cookie is used to throttle request rate.
Hosted by: my.avantmoney.ie
Expiry: Persistent cookie – 10 minutes

Name: __utmb
Description: (First Party cookie) Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.
Hosted by: my.avantmoney.ie
Expiry: Persistent cookie – 30 minutes

Name: __utmc
Description: (First Party cookie) This cookie is set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.
Hosted by: my.avantmoney.ie
Expiry: Session cookie

Name: __utmz
Description: (First Party cookie) This cookie stores the traffic source or campaign that explains how the user reached our site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.
Hosted by: my.avantmoney.ie
Expiry: Persistent cookie – 6 months

Name: __utmv
Description: (First Party cookie) This cookie is used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.
Hosted by: my.avantmoney.ie
Expiry: Persistent cookie – 24 months

Name: __gcl_au
Description: (First Party cookie) This cookie collects information about how you use our websites.
Hosted by: my.avantmoney.ie, avantmoney.ie
Expiry: Persistent cookie – 90 days

Name: __gac_UA-xxxxxxxxx-x
Description: (First Party cookie) Contains campaign related information for the user.  If you have linked your Google Analytics and Google Ads accounts, Google Ads website conversion tags will read this cookie unless you opt-out.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie
Expiry: Persistent cookie – 90 days

Name: __ga_xxxxxxxxxx
Description: (First Party cookie) Used to persist session state.
Hosted by: avantmoney.ie, creditcardservice.anpost.com, my.avantmoney.ie, documentcentre.avantmoney.ie, cardandloandocumentcentre.anpost.com, broker.avantmoney.ie
Expiry: Persistent cookie – 90 days

Name: _hjClosedSurveyInvites
Description: (First Party cookie) Hotjar cookie that is set once a user interacts with an External Link Survey invitation modal. It is used to ensure that the same invite does not reappear if it has already been shown.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 365 days

Name: _hjDonePolls
Description: (First Party cookie) Hotjar cookie that is set once a user completes a survey using the On-site Survey widget. It is used to ensure that the same survey does not reappear if it has already been filled in.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 365 days

Name: _hjMinimizedPolls
Description: (First Party cookie) Hotjar cookie that is set once a user minimizes an On-site Survey widget. It is used to ensure that the widget stays minimized when the user navigates through our site.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 365 days

Name: _hjShownFeedbackMessage
Description: (First Party cookie) Hotjar cookie that is set when a user minimizes or completes Incoming Feedback. This is done so that the Incoming Feedback will load as minimized immediately if the user navigates to another page where it is set to show.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 365 days

Name: _hjSessionTooLarge
Description: (First Party cookie) Causes Hotjar to stop collecting data if a session becomes too large. This is determined automatically by a signal from the WebSocket server if the session size exceeds the limit.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjSessionRejected
Description: (First Party cookie) If present, this cookie will be set to '1' for the duration of a user's session, if Hotjar rejected the session from connecting to our WebSocket due to server overload. This cookie is only applied in extremely rare situations to prevent severe performance issues.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjid
Description: (First Party cookie) Hotjar cookie that is set when the customer first lands on a page with the Hotjar script. It is used to persist the Hotjar User ID, unique to that site on the browser. This ensures that behaviour in subsequent visits to the same site will be attributed to the same user ID.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 365 days

Name: _hjRecordingLastActivity
Description: (First Party cookie) This should be found in Session storage (as opposed to cookies). This gets updated when a user recording starts and when data is sent through the WebSocket (the user performs an action that Hotjar records).
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjTLDTest
Description: (First Party cookie) When the Hotjar script executes we try to determine the most generic cookie path we should use, instead of the page hostname. This is done so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjUserAttributesHash
Description: (First Party cookie) User Attributes sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjCachedUserAttributes
Description: (First Party cookie) This cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. Collected attributes will only be saved to Hotjar servers if the user interacts with a Hotjar Feedback tool, but the cookie will be used regardless of whether a Feedback tool is present.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjLocalStorageTest
Description: (First Party cookie) This cookie is used to check if the Hotjar Tracking Script can use local storage. If it can, a value of 1 is set in this cookie. The data stored in_hjLocalStorageTest has no expiration time, but it is deleted almost immediately after it is created.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – Less than 1 second

Name: _hjIncludedInPageviewSample
Description: (First Party cookie) This cookie is set to let Hotjar know whether that user is included in the data sampling defined by our site's pageview limit.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 30 minutes

Name: _hjIncludedInSessionSample
Description: (First Party cookie) This cookie is set to let Hotjar know whether that user is included in the data sampling defined by our site's daily session limit.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 30 minutes

Name: _hjAbsoluteSessionInProgress
Description: (First Party cookie) This cookie is used to detect the first pageview session of a user. This is a True/False flag set by the cookie.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 30 minutes

Name: _hjFirstSeen
Description: (First Party cookie) This is set to identify a new user’s first session. It stores a true/false value, indicating whether this was the first time Hotjar saw this user. It is used by Recording filters to identify new user sessions.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjViewportId
Description: (First Party cookie) This stores information about the user viewport such as size and dimensions.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _hjRecordingEnabled
Description: (First Party cookie) This is added when a Recording starts and is read when the recording module is initialized to see if the user is already in a recording in a particular session.
Hosted by: avantmoney.ie
Expiry: Session cookie

About HotJar:
We use Hotjar to better understand our users’ needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users’ behaviour and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf. For further details, please see the ‘Hotjar Cookie Information' section of Hotjar’s support site.

Name: _gaexp_rc, _opt_expid
Description: (First Party cookie) These cookies are set by Google Optimize which is a service that allows website experimentation including A/B testing and personalisation or to enhance user experience.
Hosted by: avantmoney.ie.
Expiry: Persistant cookie – 10 seconds.

Name: _opt_awcid, _opt_awmid, _opt_awgid, _opt_awkid, _opt_utmc
Description: (First Party cookie) These cookies are set by Google Optimize which is a service that allows website experimentation including A/B testing and personalisation or to enhance user experience.
Hosted by: avantmoney.ie
Expiry: Persistant cookie – 24 hours

Name: _gaexp
Description: (First Party cookie) Used by Google Analytics to save the expiration date of active experiments
Hosted by: avantmoney.ie
Expiry: Persistant cookie – Maximum of 93 days
 

Name: kampyleUserSessionsCount
Description: (First Party cookie) Tracks number of sessions user has on the website.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: DECLINED_DATE
Description: (First Party cookie) Timestamp indicating when an intercept was last declined / survey was last closed.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: SUBMITTED_DATE
Description: (First Party cookie) Timestamp indicating when a survey was last submitted.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: kampyleUserSession
Description: (First Party cookie) Timestamp indicating when the user has started their session.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: kampyleSessionPageCounter
Description: (First Party cookie) Tracks the number of pages the user has opened in the session.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: kampyleInvitePresented
Description: (First Party cookie) Flag indicating whether an intercept was presented in the session.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: kampylePageLoadedTimestamp
Description: (First Party cookie) Timestamp indicating when the page was loaded. Used for time on page targeting.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: kampyleUserPercentile
Description: (First Party cookie) Number between 0-100 used for percentage of users being targeted.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: LAST_INVITATION_VIEW
Description: (First Party cookie) Timestamp for when the last intercept was presented.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: kampyle_userid
Description: (First Party cookie) UUID for identifying a user.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: medallia_journeys_id
Description: (First Party cookie) Journeys user ID.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: md_isSurveySubmittedInSession
Description: (First Party cookie) true if any survey was submitted in session, otherwise false.
Hosted by: mortgages.avantmoney.ie
Expiry: Session cookie

Name: mdigital_alternative_uuid
Description: (First Party cookie) Alternative feedback UUID identifier, relevant only to customers in AWS EU data centre.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: mdLogger
Description: (First Party cookie) When this exists, it instructs the Medallia code to add debug logs to the browser’s console. Setting the cookie to true is done by explicitly calling the KAMPYLE_ONSITE_SDK.startLogger(); JavaScript function. Setting the cookie to false is done by explicitly calling the KAMPYLE_ONSITE_SDK.stopLogger(); JavaScript function.
Hosted by: mortgages.avantmoney.ie
Expiry: Persistent cookie – 12 months

Name: receive-cookie-deprecation
Description: (First Party cookie) Used to indicate if a site has opted in to receive the Sec-Cookie-Deprecation request header from Chrome.
Hosted by: avantmoney.ie
Expiry: Persistent cookie

Name: ar_debug
Description: (First Party cookie) Debugging cookie used by Google DoubleClick to store information about the user's interaction with DoubleClick ads.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 1 month

Functionality cookies
Name: aws.cognito.identity-id. eu-west-1
Description: (Third Party cookie) Used by ServisBOT chat in order to track anonymous users with an existing conversation. This is persisted in localStorage of the browser so ServisBOT chat can rehydrate the conversation between page visits.
Hosted by: ServisBOT
Expiry: Persistent cookie

Name: expirationTimestamp
Description: (Third Party cookie) Used by ServisBOT chat to identify when a conversation has expired.
Hosted by: ServisBOT
Expiry: Session cookie

Name: messengerState
Description: (Third Party cookie) This local storage object is used to remember if the chatbot messenger should be open or closed.
Hosted by: ServisBOT
Expiry: Persistent cookie

Name: text Input
Description: (Third Party cookie) This local storage object tracks when the chatbot text input field is disabled.
Hosted by: ServisBOT
Expiry: Persistent cookie

Targeting cookies
Name: _fbp
Description: (First Party cookie) This cookie is used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.
Hosted by: avantmoney.ie
Expiry: Persistent cookie - 90 days

Name: __qca
Description: (First Party cookie) This is a cookie usually associated with Quantcast, a digital advertising company. They provide website rankings, and the data they collect is also used for audience segmentation and targeted advertising.
Hosted by: avantmoney.ie
Expiry: Persistent cookie – 392 days

Name: test_cookie
Description: (Third Party cookie) This cookie is set by DoubleClick (which is owned by Google) to determine if the website visitor's browser supports cookies.
Hosted by: avantmoney.ie, my.avantmoney.ie
Expiry: Session cookie

Name: IDE
Description: (Third Party Cookie) DoubleClick IDE cookies are used for serving targeted advertisements that are relevant to users across the web. Targeted advertisements may be displayed to users based on previous visits to a website. These cookies measure the conversion rate of ads presented to the user. This cookie will help deliver our advertising to people who have already visited our website when they are on Facebook or a digital platform powered by Facebook Advertising.
Hosted by: avantmoney.ie, my.avantmoney.ie
Expiry: Persistent cookie - 390 days

Name: fr
Description: (Third Party Cookie) Facebook - Contains browser and user unique ID combination, used for targeted advertising
Hosted by: facebook.com
Expiry: Session cookie

Name: ‘no name available’
Description: (Third Party cookie) This domain is owned by Facebook, which is the world's largest social networking service. As a third party host provider, it mostly collects data on the interests of users via widgets such as the 'Like' button found on many websites. This is used to serve targeted advertising to its users when logged into its services. In 2014 it also started serving up behaviourally targeted advertising on other websites, similar to most dedicated online marketing companies.
Hosted by: facebook.com
Expiry: Session cookie

Name: personalization_id
Description: (Third Party cookie) This domain is owned by Twitter. The main business activity is: Social Networking Services. Where twitter acts as a third party host, it collects data through a range of plug-ins and integrations, that is primarily used for tracking and targeting.
Hosted by: twitter.com
Expiry: Persistent cookie - 24 months

Name: mc
Description: (Third Party cookie) This domain is owned by Quantcast. The main business activity is: Market and Audience Segmentation, Targeted advertising services
Hosted by: quantserve.com
Expiry: Persistent cookie - 396 days

Name: _dlt
Description: (First Party cookie) This domain is owned by Doubleclick (Google). The main business activity is Googles real time bidding advertising exchange
Hosted by: avantmoney.ie
Expiry: session cookie

Name: trkCode, trkInfo
Description: (Third Party cookie) Used as part of anti-abuse processes on LinkedIn
Hosted by: avantmoney.ie
Expiry: Persistent cookie - 5 seconds

Name: fcookie
Description: (Third Party cookie) To determine if the user is a person and not a bot
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: id
Description: (Third Party cookie) This domain is owned by Doubleclick (Google). The main business activity is real time bidding advertising exchange.
Hosted by: avantmoney.ie
Expiry: Session cookie

Name: _ _gcl_au
Description: (First Party cookie) This cookie is used by Google to store and track conversions.
Hosted by: avantmoney.ie, my.avantmoney.ie
Expiry: Persistent cookie – 90 days

Name: _ _muc_ads
Description: (Third Party cookie) This is a cookie that is set by twitter.com. It is used for optimizing ad relevnce by collecting visitor navigation data.
Hosted by: twitter.com
Expiry: Persistent cookie – 24 months

Name: _ _VISITOR_INFO1_LIVE
Description: (Third Party cookie) This cookie is set by YouTube to track views of embedded videos
Hosted by: YouTube.com
Expiry: Persistent cookie – 6 months

Name: __YSC
Description: (Third Party cookie) This cookie is set by YouTube to track views of embedded videos.
Hosted by: YouTube.com
Expiry: Session cookie

Name: _CONSENT
Description: (Third Party cookie) This cookie stores a user’s state regarding their cookies’ choices
Hosted by: YouTube.com
Expiry: Persistent cookie - 24 months

Managing cookies

When you visit our websites or use our app, you can manage your cookies by clicking the ‘Manage Cookies’ button that will be visible on each individual domain.

You can also set your internet browser to disable or block cookies. If cookies are disabled then some of the content on avantmoney.ie will also be disabled or may not be displayed correctly. To prevent this we recommend that cookies are enabled. For more information on how to disable cookies in your internet browser, please go to www.aboutcookies.org or www.youronlinechoices.com.

Data Subject Rights

For more information on how we collect and use your personal data and on your rights as a data subject, please see our Data Protection Notice by clicking here.

Changes to this cookies policy

From time to time, we will make changes to this cookies policy. If this change includes the addition of a new cookie (non-strictly necessary cookie), when you next visit our websites, the cookie banner will re-appear to allow you to manage your cookie preferences again.

If you have any queries or complaints regarding this cookies policy, please contact our Data Protection Officer at [email protected] or you can write to them at Data Protection Officer, Avant Money DAC, Dublin Road, Carrick-on-Shannon, Co Leitrim.

Last updated: March 2024