Save for the Future
Click on Savings to find out more about how we can help you manage your savings.
Check out our Loans area to see how much you could borrow, and use the Calculator below to see how much it will cost.
Get your kids off to a good start. Help them get the savings habit with our First Savers Account.
Save direct from your salary, and you won`t even notice it`s gone! Look under Savings for more information.
Also known as browser cookies or tracking cookies, cookies are small, often encrypted text files, located in browser directories. They are used by web developers to help users navigate their websites efficiently and perform certain functions. Due to their core role of enhancing/enabling usability or site processes, disabling cookies may prevent users from using certain websites.
Cookies are created when a user's browser loads a particular website. The website sends information to the browser which then creates a text file. Every time the user goes back to the same website, the browser retrieves and sends this file to the website's server. Computer Cookies are created not just by the website the user is browsing but also by other websites that run ads, widgets, or other elements on the page being loaded. These cookies regulate how the ads appear or how the widgets and other elements function on the page.For Managing cookies for different browsers see here
Website servers set cookies to help authenticate the user if the user logs in to a secure area of the website. Login information is stored in a cookie so the user can enter and leave the website without having to re-enter the same authentication information over and over.More information
Session Cookies are also used by the server to store information about user page activities so users can easily pick up where they left off on the server's pages. By default, web pages really don't have any 'memory'. Cookies tell the server what pages to show the user so the user doesn't have to remember or start navigating the site all over again. Cookies act as a sort of "bookmark" within the site. Similarly, cookies can store ordering information needed to make shopping carts work instead of forcing the user to remember all the items the user put in the shopping cart.
Persistent or tracking Cookies are also employed to store user preferences. Many websites allow the user to customize how information is presented through site layouts or themes. These changes make the site easier to navigate and/or lets user leave a part of the user's "personality" at the site. For Information on session and persistent and tracking cookies, see here
Cookies are NOT viruses. Cookies use a plain text format. They are not compiled pieces of code so they cannot be executed nor are they self-executing. Accordingly, they cannot make copies of themselves and spread to other networks to execute and replicate again. Since they cannot perform these functions, they fall outside the standard virus definition.
Cookies CAN be used for malicious purposes though. Since they store information about a user's browsing preferences and history, both on a specific site and browsing among several sites, cookies can be used to act as a form of spyware. Many anti-spyware products are well aware of this problem and routinely flag cookies as candidates for deletion after standard virus and/or spyware scans.See here for some privacy issues and concerns.
Most browsers have built in privacy settings that provide differing levels of cookie acceptance, expiration time, and disposal after a user has visited a particular site. Backing up your computer can give you the peace of mind that your files are safe.
Since identity protection is highly valued and is every internet users right , it pays to be aware of what threat cookies can pose.
As cookies are transmitted back and forth between a browser and website, if an attacker or unauthorized person gets in between the data transmission, the sensitive cookie information can be intercepted. Although relatively rare, this can happen if the browser is connecting to the server using an unencrypted network like an non-secured WiFi channel.Internet security is only attainable if you regualrly use a anti-virus protection programme.See our anti virus protection section.
Other cookie-based attacks involve exploiting faulty cookie-setting systems on servers. If a website doesn't require browsers to use encrypted channels only, attackers can use this vulnerability to trick browsers into sending sensitive information over insecure channels. The attackers then siphon off the sensitive data for unauthorized access purposes.
Rather than the "Opt out" option for website visitors, websites will need to specifically gain the consent of their visitor and they must "Opt In" to be able to store cookies on their computer or other devices.This is expected to be difficult to manage and enforcement will more than likely be done subtlely and with encouragement rather than with the threat of fines and penaltys.
What does the new law say?
The new requirement is essentially that cookies can only be placed
on machines where the user or subscriber has given their consent.
6 (1) Subject to paragraph (4), a person shall not store or gain
access to information stored, in the terminal equipment of a subscriber
or user unless the requirements of paragraph (2) are met.
(2) The requirements are that the subscriber or user of that terminal
(a) is provided with clear and comprehensive information about the
purposes of the storage of, or access to, that information; and
(b) has given his or her consent.
(3) Where an electronic communications network is used by the
same person to store or access information in the terminal equipment
of a subscriber or user on more than one occasion, it is sufficient for the purposes of this regulation that the requirements of paragraph (2)
are met in respect of the initial use.
"(3A) For the purposes of paragraph (2), consent may be signified by a
subscriber who amends or sets controls on the internet browser which
the subscriber uses or by using another application or programme to
(4) Paragraph (1) shall not apply to the technical storage of, or
access to, information--
(a) for the sole purpose of carrying out the transmission of a
communication over an electronic communications network; or
(b) where such storage or access is strictly necessary for the
provision of an information society service requested by the subscriber
Customize your browser's cookie settings to reflect your comfort level with cookie security or use the cookie cleaner included in Abine's free Privacy Suite.
If you are very comfortable with cookies and you are the only person using your computer, you may want to set long expiration time frames for storing your personal access information and browsing history.
If you share access on your computer, you may want to set your browser to clear private browsing data every time you close your browser. While not as secure as rejecting cookies outright, this option lets you access cookie-based websites while deleting any sensitive information after your browsing session.
Install and keep antispyware applications updated
Many spyware detection, cleanup applications, and spyware removers include attack site detection. They block your browser from accessing websites designed to exploit browser vulnerabilities or download malicious software.
Make sure your browser is updated
If you haven't already, set your browser to update automatically. This eliminates security vulnerabilities caused by outdated browsers. Many cookie-based exploits are based on exploiting older browsers' security shortcomings.
Cookies are everywhere and can't really be avoided if you wish to enjoy the biggest and best websites out there. With a clear understanding of how they operate and how they help your browsing experience, you can take the necessary security measures to ensure that you browse the Net confidently.
Solway Credit Union | 23, George St | Dumfries | DG1 1EA
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T | 01387 267200
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