Cookies Policy

Why Expats Prefer Us

  • UK Qualified Advisers | Experience
  • Fixed Costs | Transparent
  • Clients Globally | Trusted
  • EU MiFID II Regulation | Security
  • FCA Regulated Providers | Protection

Talk To An Expert

This Cookie Policy explains how and why cookies, web beacons, pixels, and other similar technologies may be stored on and accessed from your device when you use or visit any Cameron James/BFMI Website. This Cookie Policy should be read together with our Privacy Policy and our Terms and Conditions.

When we use the term “Cameron James/BFMI”, we are referring to the corporate structure and group of companies of which the data controller is outlined within our Privacy Policy. This Cookie Policy is issued on behalf of Cameron James/BFMI. As such, when we refer to “Cameron James/BFMI”, “us”, “we” or our Cookie Policy we mean the appropriate company within Cameron James/BFMI that is responsible for processing your data. When you purchase a product or service through us, we will inform you which entity will be the controller or processor of your data.

By continuing to browse our website without adjusting your browser settings to block Cookies (for information about how to do this, please see below Accept or block Cookies), you agree to our use of Cookies.

What are Cookies?

Cookies are small text files which contain a small amount of information that is downloaded to your computer or mobile device when you visit a website. When you revisit the website or visit another website which recognises that Cookie, your device can communicate with the website and the website can read the information held in that Cookie.

We use Cookies to help you efficiently browse our websites and to save you time by not having to re-enter your details each time you visit. Cookies allow us to provide you with information and show you content relevant to you. We also use Cookies to analyse how our customers interact with our websites so we can improve the customer journey.

How we use Cookies?

We use four categories of Cookie on our websites, based upon:

  • Strictly Necessary
  • Performance
  • Functionality
  • Targeting

Some of these are “session Cookies”, which stay in place only for the duration of your visit to our website and are deleted at the end of your browsing session. Others are “persistent Cookies”, which remain on your device for a period of time after you have left the website. Cookies may also be placed by our approved business partners, which are known as “third-party Cookies”.

Strictly Necessary Cookies

Strictly Necessary Cookies are required for the operation of our websites. These Cookies are essential to enable you to move around the website and use its features, such as accessing secure areas of the website. Without Strictly Necessary Cookies our websites and back-end services would not work. If you remove or disable these Cookies, we cannot guarantee that you will be able to use our websites.

Our use of Strictly Necessary Cookies includes:

  • Identifying you as logged in to the secure parts of our website for the duration of your visit;
  • Remembering information you have previously entered to complete a form (e.g. retrieval of a quote) as you proceed through a journey on our website. Your information is stored on our secure servers, and the Cookie contains only a unique reference number which links you to your stored information when you log into the website

We do not use Strictly Necessary Cookies to:

  • Collect information about you for marketing purposes; or
  • Track your internet activity on other websites

Performance Cookies

Performance Cookies collect information about how visitors use our websites. They allow us to recognise and count the number of visitors and to see how visitors move around our websites. Performance Cookies help us to improve the way our websites work (e.g. by ensuring that users are finding what they are looking for easily) and to recognise when error messages are being received. Performance Cookies don’t collect any information that could identify you. The information collected by these Cookies is either anonymous.

Our use of Performance Cookies uses includes:

  • Analysing how visitors use our website;
  • Recording any errors that occur;
  • Testing different designs of our website;
  • We do not use Performance Cookies to collect personal information.

Some Performance Cookies are managed for us by third parties, for the purposes listed above. For more information, see Key Third-Party Providers. You can stop Performance Cookies by setting your web browser to reject/block some or all Cookies. You may be able to block specific Performance Cookies provided by third parties by using the tools or preferences on that third party’s website (see Further Information Key Third Party Providers).

Functionality Cookies

Functionality Cookies are used to provide services (such as videos) or to remember choices you make so we can personalise our content for you (for example, by remembering your user name, choice of language or region).

Our use of Functionality Cookies includes:

  • Remembering preferences, you have chosen to customise your experience of our website; or
  • Providing live chat functionality to you across our websites.

We do not use Functionality Cookies to target you with adverts on other websites. You can block these Cookies using your browser settings, but this may mean that we cannot offer you certain services and may prevent us from remembering that you have chosen not to receive a particular service.

Targeting Cookies

Targeting Cookies record your visit to our websites, including the web pages you have visited and the links you have followed. We use this information to make our websites and our advertising relevant to your interests and provide this information to third parties.

This information may be used to trigger direct communications with you, for example, to send you automated emails tailored to your interests, unless you have opted out of receiving marketing materials from us. We may also use information from Targeting Cookies to trigger service support communications.

Our approved business partners may also place targeting Cookies. Targeting Cookies are generally linked to services provided by those third parties e.g. “like” buttons. You can control whether or not Targeting Cookies are used; however, if you block them, we may not be able to offer you certain functionality.

Our use of Targeting Cookies includes:

  • Delivering content and marketing communications tailored to your interests based on information from your visit to our websites
  • Providing advertising agencies with information about your visit so that they can show you relevant adverts online
  • Providing social networks such as Twitter or Facebook with information about your visit to our websites.

Functionality Cookies

You can block any Cookies from any website by activating the setting on your browser that allows you to refuse the setting of some or all Cookies. However, if you block all Cookies (including Strictly Necessary Cookies), you may not be able to access all or part of our websites. You can also use your browser settings to delete Cookies. For more information about how to disable Cookies in your browser, please visit

If you share the use of a computer, accepting or rejecting the use of Cookies may affect all users of that computer. Where a third party provides a Cookie, you may be able to use that third party’s own tools to block that Cookie.

Other Technologies

Flash Cookies

Flash Cookies make it quicker and easier for you to access websites on subsequent visits that use Flash technology. Deleting them means you may have to re-enter information each time you visit the same site.
Deleting Cookies in your browser will not delete Flash Cookies. You can delete Flash Cookies by going to the Settings Manager for your Adobe Flash Player. You will be taken to the Adobe website, which lists the websites with the cookies in your browser. Just click “Delete” opposite the relevant website.

Pixel Tracking and Audience Pixels

Pages of our websites and our emails may contain pixel tags (also referred to as web beacons, web bugs, tracking pixels, java tags and clear gifs) that allow our advertisers or service providers and us to:

  • Collect statistics on our websites and emails (e.g. number of users who have visited a page or opened an email);
  • Collect information about how you interact with our emails (e.g. whether you opened them or followed links);
  • Personalise online services and marketing communications; and
  • Match ads to users.

Further Information

More information about Cookies and managing your browser settings can be found at If you share the use of a computer, accepting or rejecting the use of cookies will affect all users of that computer.

Key Third Party Providers

DoubleClick Cookies

Provided by our online advertising supplier, these cookies are used to serve our internet advertisements on other sites. Some of our web pages may contain electronic images that help us see how users interact on these pages. They may also provide DoubleClick with information about the interaction.

Google Analytics

Our websites may use Google Analytics, which is a web analytics service provided by Google. For more information, including details of how to block these cookies specifically, please visit their website. Third-party cookies are also used to track your online purchases of Aviva products made through a third-party cash-back provider primarily to enable you to redeem cash-back rewards offered by such third parties.

You must comply with third cookie policies when you sign up for reward schemes offered by such third parties. Further, you acknowledge and accept that such third parties directly administer these third-party cookies and that the purpose, your ability to change cookie settings and or related limitations are set out in their respective policies.

Reach Us