Cookie Policy
Last updated: March 2026
What Are Cookies?
Cookies are small text files stored on your device. We also use localStorage, a similar browser storage mechanism, to save your preferences and session data.
Essential Storage
These are required for the site to function and cannot be disabled:
| Name | Purpose | Duration |
|---|---|---|
| ff_session_token | Anonymous session identification | 30 days |
| auth_token | Authenticated user session | 7 days |
| ff_local_plan | Stores your financial plan locally (anonymous users) | Persistent |
| ff_journey_progress | Stores your journey progress locally | Persistent |
| cookie-consent | Remembers your cookie preferences | 1 year |
Optional Cookies
These are only set with your consent:
| Name | Purpose | Duration |
|---|---|---|
| Analytics cookies | Help us understand how the site is used | Up to 2 years |
Cookieless Analytics
We also use a self-hosted, privacy-friendly analytics tool (Umami) to count visits and understand which pages are useful. It sets no cookies, stores nothing on your device, and collects no personal data — we only see aggregate statistics such as page views and referral sources. Because it does not store or access anything on your device, it does not require consent under UK cookie rules and is not affected by your choice in the cookie banner.
Managing Cookies
You can clear cookies and localStorage through your browser settings. Note that clearing essential storage will sign you out and remove any locally saved plan data and journey progress.
Contact
Questions about our cookie policy? info@independentcheck.co.uk
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