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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:

  • avantcard.ie
  • avantmoney.ie
  • onlinebanking.avantcard.ie
  • documentcentre.avantcard.ie
  • creditcardservices.anpost.com
  • cardandloandoccentre.anpost.com
  • onlinebanking.chillmoney.ie
  • docportal.chillmoney.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:


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.
    Avant Money currently only uses Strictly Necessary cookies on the following sites - documentcentre.avantcard.ie, cardandloandoccentre.anpost.com, docportal.chillmoney.ie
  • 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 user-name, 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 the 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 Avantcard to prevent cookies in each category from being set in the users browser, when consent is not given. Hosted by: avantcard.ie, avantmoney.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie Expiry: Persistent cookie – 6 months

Name:OptanonAlertBoxClosed Description: (First Party cookie) This cookie is set by the 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: avantcard.ie, avantmoney.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.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: avantcard.ie, documentcentre.avantcard.ie, onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie 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: avantcard.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie 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: onlinebanking.avantcard.ie, onlinebanking.chillmoney.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: avantcard.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie 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: onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie 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: avantcard.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie 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: onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie 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: avantcard.ie, onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.ie 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: avantcard.ie, avantmoney.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.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: onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.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: avantcard.ie, avantmoney.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.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: avantcard.ie, avantmoney.ie, onlinebanking.avantcard.ie, documentcentre.avantcard.ie, creditcardservices.anpost.com, cardandloandocumentcentre.anpost.com, onlinebanking.chillmoney.ie, docportal.chillmoney.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: avantcard.ie, onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie 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: avantcard.ie, documentcentre.avantcard.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie 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, onlinebanking.avantcard.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: onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.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, avantcard.ie Expiry: Persistent cookie – 12 months

Name: LFR_SESSION_STATE_5411562 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 Expiry: Session cookie

Name: LFR_SESSION_STATE_111758 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: avantcard.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: onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie Expiry: Session cookie

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

Name: IdUserReference, ApplicationId, ApplicationRecieved, ApplicationSubStatus, DateToAccess, UrlSite, ProductTypeName, Document?Your Bank Statements 3 Months, Document?Salary Payslip, Document?Self Employed - Proof of Income, Document?Proof of PPSN, Document?Proof of Address, Document?Most recent bank statement covering 1 full month, Document?Proof of Identification, Document?P60 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.avantcard.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie 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.avantcard.ie, cardandloandocumentcentre.anpost.com, docportal.chillmoney.ie 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: avantcard.ie, onlinebanking.avantcard.ie, creditcardservices.anpost.com, onlinebanking.chillmoney.ie 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: avantcard.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: avantcard.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


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: avantcard.ie, avantmoney.ie, creditcardservice.anpost.com, onlinebanking.avantcard.ie, onlinebanking.chillmoney.ie 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: avantcard.ie, avantmoney.ie, creditcardservice.anpost.com, onlinebanking.avantcard.ie, onlinebanking.chillmoney.ie 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: avantcard.ie, avantmoney.ie, creditcardservice.anpost.com, onlinebanking.avantcard.ie, onlinebanking.chillmoney.ie Expiry: Session cookie

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

Name: _gali Description: (First Party cookies) Used by Good Analytics to determine which links on a page that are being clicked. Hosted by: avantcard.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: avantcard.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: avantcard.ie, creditcardservice.anpost.com, onlinebanking.avantcard.ie, onlinebanking.chillmoney.ie 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: onlinebanking.avantcard.ie Expiry: Persistent cookie – 24 months

Name:___utmt Description:(First Party cookie) This cookie is used to throttle request rate. Hosted by: onlinebanking.avantcard.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: onlinebanking.avantcard.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: onlinebanking.avantcard.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: onlinebanking.avantcard.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: onlinebanking.avantcard.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: onlinebanking.avantcard.ie, avantcard.ie Expiry: Persistent cookie – 90 days


Functionality cookies

Name: prompt_cookies Description:(First Party cookie) This cookie controls the prompts (little pop up tags) within OLB. Hosted by: creditcardservice.anpost.com, onlinebanking.avantcard.ie, onlinebanking.chillmoney.ie Expiry: Persistent cookie – 2 weeks


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: avantcard.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: avantcard.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: avantcard.ie, onlinebanking.avantcard.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: avantcard.ie, onlinebanking.avantcard.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: avantcard.ie Expiry: session cookie

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

Managing cookies

You can set your internet browser to disable or block cookies. If cookies are disabled then some of the content on avantcard.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 DPO@avantcard.ie or you can write to them at Data Protection Officer, Avantcard DAC, Dublin Road, Carrick-on-Shannon, Co Leitrim.

Last updated: December 2020