Cookie Policy
Wellby may use technologies to store information on your computer when you visit a Wellby website. For example, cookies may be used within Wellby websites to enhance website security, improve website effectiveness, tailor the sites to your individual preferences, and improve our marketing campaigns.
What is a Cookie?
A standard Cookie is a small text file that is placed on the visitor’s device that allows the website to remember a visitor’s previous web interactions by the same device. Cookies are not used to retrieve any data from your hard drive, nor can they run a program on your computer. Wellby uses cookies to help protect your accounts from being accessed by unauthorized users, to maintain session integrity, and to enable enhanced security. Cookies are also used to help us understand your interests and needs so we can provide you with a customized online experience.
A pixel tag, also known as a web bug in an embedded image, is an invisible tag placed on a webpage to register when a computer visits that specific page. These tags and beacons are used in combination with cookies. Wellby places these on its web properties and in online advertisements to better personalize your experience with Wellby and to understand aggregate website usage and patterns.
Types of Cookies Used by Wellby
First and Third Party Cookies
Cookies can be classified as ‘first party’ or ‘third party’.
First Party Cookies:
These are cookies set by Wellby while you are visiting wellbyfinancial.com and are used for a variety of reasons, including collecting analytic data and ensuring essential services and features available on wellbyfinancial.com continue to operate as designed.
Third Party Cookies:
Advertising Technology Cookies: These third-party cookies are set by someone other than Wellby for purposes of collecting analytics information on website visitor behavior, demographics, or personalized and targeted marketing. These cookies can be set at the direction of Wellby through the use of outside vendors, typically advertising agencies, to track visitor activity across wellbyfinancial.com and other third party websites over a period of time and used to target website visitors with ads tailored towards their interests (“Targeted Advertising”).
Social Media Cookies: These are cookies placed on your device by third-party (partner) website domains that are used to collect analytical information like pages visited, time spent, buttons clicked, etc. These third-party cookies can be of companies we work with, social media websites, search engines, advertising networks, and business partners. This policy does not extend to those sites and Wellby is not responsible for the cookies placed on your device by third-party websites and any information collected thereto. If you would like to know more about their Cookie Policy or opt-out of these cookies, please review the Analytics and Social Media Cookies section below.
When using wellbyfinancial.com, visitors may encounter embedded content, such as videos, or may be directed to other websites for participation in surveys, to make payments, or to complete an application for a financial product or service. These websites and embedded content may use their own Cookies. Wellby may not have control over the placement of Cookies by other websites, even if visitors are directed to them from our website.
Session Cookies:
Session Cookies allow Wellby to link a visitor’s actions during a single browser session. These cookies are only stored temporarily in a browser’s memory, so once a visitor closes their browser, the cookie disappears. Session Cookies are used for essential functions such as website logins and storing login credentials every time someone visits wellbyfinancial.com. Wellby may also use Session Cookies for other website functions like ensuring faster page loads.
Persistent Cookies:
In contrast to Session Cookies, Persistent Cookies stay on a visitor’s device longer and are most commonly used for web analytics, including to track visitor behavior while on wellbyfinancial.com. Wellby typically uses data obtained from Persistent Cookies to understand what visitors prefer so they can adapt and improve the user experience.
Cookie Categories
The type of cookie used on this website can be put into one of four categories: Strictly Necessary, Analytics/Performance, Functionality, and Advertisement/Marketing.
The following section explains the categories, purpose, and examples of cookies that Axis Bank uses. By using our website, you consent to the deployment of cookies for the stated purpose.
Strictly Necessary Cookies:
These cookies are essential and are required to ensure the site's basic functionality. These cookies allow you to use the functions of the site and to access the secure areas of the site, which requires login authentications. These are session-based cookies and cannot be switched off in our systems.
Analytics/Performance Cookies:
These cookies are used to understand the performance of the site as the user interacts with the site and help us understand the improvements needed to ensure the quality and performance of the site. These cookies collect anonymous data that does not directly or indirectly identify the visitor. Usage of these cookies is limited to improving the performance of the website and not used for any advertising and marketing purpose. These cookies may be used together with advertising cookies to help show more relevant ads across the web to measure interaction with the ads we show. These types of cookies are persistent cookies.
Functionality Cookies:
These cookies are used to remember the visitor’s preferences and choices. These are used to enhance the overall user experience when using our site. These cookies allow us to customize the experience for the visitor based on the selected preferences and choices. These are anonymous, and their usage is limited to enhancing the user experience and not tracking the browsing patterns of users across any other website. These types of cookies are persistent cookies.
Advertising/Marketing Cookies:
These cookies are used specifically to collect information from the visitor and display relevant advertisements. These cookies and similar technologies are used to target visitors for online advertising by collecting information such as browsing patterns. These are generally third-party cookies. In the absence of these cookies, there are chances that visitors may see less relevant online content. These types of cookies are persistent cookies.
How to Manage Cookies on This Site
On your initial visit to wellbyfinancial.com, you will be prompted to accept all cookies or decline all cookies. If you visit the site from a new browser (i.e., Edge vs. Chrome), alternate computer or device (mobile, tablet), you will be asked to accept these separately. You will only need to accept or decline one time for the browser or device.
Accepting Cookies
In addition to what is specified in this document, the User can manage preferences for Cookies directly from within their own browser and prevent – for example – third parties from installing Cookies.
Through browser preferences, it is also possible to delete Cookies installed in the past, including the Cookies that may have saved the initial consent for the installation of Cookies by this website.
Users can, for example, find information about how to manage Cookies in the most commonly used browsers at the following addresses: Google Chrome, Mozilla Firefox, Apple Safari, Microsoft Internet Explorer.
Regarding Cookies installed by third parties, Users can manage their preferences and withdrawal of their consent by clicking the related opt-out link (if provided), by using the means provided in the third-party's privacy policy, or by contacting the third party.
Notwithstanding the above, Users are hereby informed that they may follow the instructions provided by Network Advertising Initiative and the Digital Advertising Alliance. Such initiatives allow Users to select their tracking preferences for most of the advertising tools. Wellby thus recommends that Users make use of these resources in addition to the information provided in this document.
Third-Party Websites
The Wellby web properties may direct you to other sites on the Internet to provide additional information or services that may be of interest to you. Third-party websites may have privacy and security policies different from Wellby. Please review the privacy and security policies of websites reached through links from Wellby websites.
Other Types of Cookies or Third Parties That Install Cookies
Some of the services listed below collect statistics in an anonymized and aggregated form and may not require the consent of the User or may be managed directly by Wellby - depending on how they are described - without the help of third parties.
If any third party operated services are listed among the tools below, these may be used to track Users’ browsing habits – in addition to the information specified herein and without Wellby’s knowledge. Please refer to the privacy policy of the listed services for detailed information.
Analytics and Social Media Cookies
The services contained in this section enable Wellby to monitor and analyze web traffic and can be used to keep track of User behavior.
Google Analytics (Google Inc.)
Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of Wellby, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.
Google Ads conversion tracking (Google Inc.)
Google Ads conversion tracking is an analytics service provided by Google Inc. that connects data from the Google Ads advertising network with actions performed on Wellby
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy. Privacy Shield participant.
LinkedIn conversion tracking (LinkedIn Corporation)
LinkedIn conversion tracking is an analytics service provided by LinkedIn Corporation that connects data from the LinkedIn advertising network with actions performed on Wellby
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy
Facebook Ads conversion tracking (Facebook pixel) (Facebook, Inc.)
Facebook Ads conversion tracking (Facebook pixel) is an analytics service provided by Facebook, Inc. that connects data from the Facebook advertising network with actions performed on Wellby The Facebook pixel tracks conversions that can be attributed to ads on Facebook, Instagram and Audience Network.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy. Privacy Shield participant.
Twitter Ads conversion tracking (Twitter, Inc.)
Twitter Ads conversion tracking is an analytics service provided by Twitter, Inc. that connects data from the Twitter advertising network with actions performed on Wellby
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy. Privacy Shield participant.
Retargeting and Behavioral Targeting
This type of service allows Wellby and its partners to inform, optimize and serve advertising based on past use of Wellby by the User.
This activity is performed by tracking Usage Data and by using Cookies, information that is transferred to the partners that manage the remarketing and behavioral targeting activity.
In addition to any opt-out offered by any of the services below, the User may opt-out of a third-party service's use of cookies by visiting the Network Advertising Initiative opt-out page.
Google Ads Remarketing (Google LLC)
Google Ads Remarketing is a remarketing and behavioral targeting service provided by Google LLC that connects the activity of Wellby with the Google Ads advertising network and the DoubleClick Cookie.
Users can opt-out of Google's use of cookies for ads personalization by visiting Google's Ads Settings.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.
Remarketing with Google Analytics (Google LLC)
Remarketing with Google Analytics is a remarketing and behavioral targeting service provided by Google LLC that connects the tracking activity performed by Google Analytics and its Cookies with the Google Ads advertising network and the DoubleClick Cookie.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.
Facebook Remarketing (Facebook, Inc.)
Facebook Remarketing is a remarketing and behavioral targeting service provided by Facebook, Inc. that connects the activity of Wellby with the Facebook advertising network.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.
Twitter Remarketing (Twitter, Inc.)
Twitter Remarketing is a remarketing and behavioral targeting service provided by Twitter, Inc. that connects the activity of Wellby with the Twitter advertising network.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out. Privacy Shield participant.
LinkedIn Website Retargeting (LinkedIn Corporation)
LinkedIn Website Retargeting is a remarketing and behavioral targeting service provided by LinkedIn Corporation that connects the activity of Wellby with the LinkedIn advertising network.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out.
Interaction with External Social Networks and Platforms
This type of service allows interaction with social networks or other external platforms directly from the pages of Wellby.
The interaction and information obtained through Wellby are always subject to the User’s privacy settings for each social network.
This type of service might still collect traffic data for the pages where the service is installed, even when Users do not use it.
It is recommended to log out from the respective services in order to make sure that the processed data on Wellby isn’t being connected back to the User’s profile.
Facebook Like button and social widgets (Facebook, Inc.)
The Facebook Like button and social widgets are services allowing interaction with the Facebook social network provided by Facebook, Inc.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy. Privacy Shield participant.
LinkedIn button and social widgets (LinkedIn Corporation)
The LinkedIn button and social widgets are services allowing interaction with the LinkedIn social network provided by LinkedIn Corporation.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy.
Twitter Tweet button and social widgets (Twitter, Inc.)
The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter, Inc.
Personal Data collected: Cookies and Usage Data.
Place of processing: United States – Privacy Policy. Privacy Shield participant.