An explanation of how and why we use cookies

What are cookies?

A cookie is a small text file that is placed on your computer or device when you visit a website.

Cookies are used by all websites and have several different functions. They are useful because they allow a website to recognise a user's device. They will also:

  • Allow the site to work properly and help keep it secure
  • Help you navigate between pages efficiently
  • Help us understand how people use the website
  • Make the site easier to use by remembering information that you've entered
  • Improve your experience by showing you information that's relevant to you

How do YBS use cookies?

We use cookies to:

  • Improve your experience by making it quicker and easier for you to use the website
  • Identify what stage in an application process you are at
  • Enable you to log in and manage your savings and mortgage accounts
  • Identify how effective our advertising is and provide you with information in the future that we believe is relevant to you

We do not use cookies to:

  • Store your password or memorable data for accessing your accounts online

What types of cookies do we use

1. Strictly necessary cookies

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies, services you have asked for cannot be provided.

We use strictly necessary cookies to:

  • enable the website to work effectively
  • help keep your session secure
  • enable you to log-in and vote in our AGM

Examples of strictly necessary cookies we use are:

Purpose Expiry Cookie Name
To direct your requests to the correct place At the end of your browsing session SS_X_JESSIONID
To remember the details entered into either the repayment calculator or the mortgage product finder tool so you can return to the product finder tool or repayment calculator without having to re-enter all your details At the end of your browsing session mortgageSearchDetails
To allow you to search our FAQs At the end of your browsing session YBS-faqsToken

2. Performance cookies

These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor - all information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

We use performance cookies to:

  • check if you have cookies enabled
  • identify what stage in an application process you are at
  • help us understand how our website is used so we can improve customer experience
  • help us improve the content on our website
  • help us understand what errors occur so we can fix them

Our performance cookies will not store any personal information about you unless you proceed with an application, at which point details of where your enquiry originated may be linked to your customer record.

Examples of performance cookies we use are:

Purpose Expiry Cookie Name
To check if you have cookies enabled At the end of your browsing session check
To count the number of visits made to the website by a user After 1 day s_invisit
To determine what percentage of a webpage was displayed to a user At the end of your browsing session s_ppv & s_ppvl

3. Customisation cookies

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. For instance, these cookies can be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for, such as watching a video, or to remember information that you have already provided on previous visits to a website.

We use customisation cookies to:

  • store preferences that you select, such as font size
  • remember your username or customer number, if you’ve asked us to
  • remember if we've asked you to fill in our online survey
  • remember the options available to you through our online appointment booking system throughout your session

Examples of customisation cookies we use are:

Purpose Expiry Cookie Name
To remember the appointment options available to you through our online booking system At the end of your browsing session appointmentBooking
To determine if you have filled in an online survey At the end of your browsing session general_ybs
To remember what stage you have reached in a mortgage Approval in Principle application Principle application After 1 month ybs_c16

4. Targeting cookies

These cookies are used to deliver adverts that are more relevant to you and your interests. For example, if you're looking for a mortgage, you might see more advertisements for mortgages - simply because the cookie has detected what you're looking for. They are also used to limit the number of times you see an advertisement, as well as help measure the effectiveness of advertising campaigns.

Targeting cookies are usually placed by third parties such as advertising networks with the website operator’s permission, so they are usually linked to site functionality provided by the third party organisation.

We use targeting cookies to:

  • Identify how effective our advertising is and provide you with information in the future that we believe is relevant to you

We work closely with some third party companies who provide services such as customer feedback, management information, advertising, and social networking. In these cases, the third party organisation may set their own cookies which are controlled by them and covered by their own policies:

Purpose Third Party More Information: Third Party Cookie Policy
To measure and improve the effectiveness of our advertising Bing (BingAds)
Google (AdWords, Remarketing, DoubleClick Bid Manager)
VisualIQ (Tapad, eXelate)

Please note YBS is not responsible for the content of external websites.

You can turn off targeting cookies only by blocking specific companies if you’d prefer. You will still receive advertising on the internet, but the ads you see may not be as relevant to you and your interests.

You can set your preferences here:


Cookies are needed to enable you to get the full experience from our website and services.

When you visit our website, you will see a banner advising you that our website uses cookies. This will continue to appear until you either accept cookies or manage your preferences.

As a default, performance (analytics) cookies are turned ON. Advertising cookies are turned OFF.

By clicking on Accept all, you agree to our use of cookies as set out above.

Can I change my mind?

If you change your mind, you can update your preferences at any time by clearing your browser cache via your settings. When you revisit our website you will then be asked to set your cookies preferences again.

You can find out how to clear your browser cache below, depending on the browser you use.


Internet Explorer



What happens if I change my settings?

If you modify your browser settings some features may be disabled or you may be asked to re-enter information that would otherwise be remembered.

Cookies are stored locally to each browser and device. If you have multiple devices you will need to apply your chosen settings to each device (home computer, mobile phone, tablet etc).

How can I opt out of targeted advertising

If you prefer not to receive targeted advertising, you can choose to opt out by registering your decision to opt out with advertising companies. The European Interactive Digital Advertising Alliance website Your Online Choices allows you to install opt-out cookies across different advertising networks.

You'll still receive advertising on the internet, but the adverts you see may not be tailored to your likely interests or preferences. You can set your preferences here: www.Youronlinechoices.Com/uk/your-ad-choices.

Further information about cookies

  • Google has developed a browser add-on to allow users to opt-out of Google Analytics across all websites which use it. This is also available in the available in the Chrome web store .
  • Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to indicate a preference that websites should not track you. However, whilst DNT is available in many browsers, websites are not required to recognise its request, so it may not always work. You can get help on how to use DNT in Microsoft Edge , Internet Explorer , Firefox , Chrome , Safari and Opera .
  • Internet Explorer has a feature called Tracking Protection Lists which allows you to import a list of websites you want to block.

For more information on how private browsing works, as well as its limitations, visit the support pages for your browser: Microsoft Edge , Internet Explorer , Firefox , Chrome , Safari (mobile and desktop ) and Opera .