1. About this policy
This Cookie Policy explains how we use cookies and similar technologies on our websites and mobile apps (“our services”). It tells you what cookies are, why we use them, and how you can control them. This Policy should be read together with our Privacy Policy and Terms & Conditions.
When we say “we”, “us” or “our”, we mean 118M8 and 118 118 Money (118 118 Money being a trading name of Madison CF UK Ltd), an FCA-regulated firm authorised and regulated by the Financial Conduct Authority (FRN 679653) and registered in England and Wales (No. 08316013).
2. What are cookies?
Cookies are small text files that websites place on your computer, phone or tablet when you visit. They store information about how you use our site – for example, the pages you visit and your preferences. Similar technologies include pixels, software development kits (SDKs), device identifiers and local storage. We refer to all of these as “cookies” for simplicity.
3. How we use cookies
We use cookies to make our digital services work efficiently and securely, and to help us understand how customers use them so we can improve our products and marketing in a lawful way.
Cookies we set fall into the following categories:
| Type | Purpose | PECR basis |
|---|---|---|
| Strictly necessary | Enable core functions such as page navigation, secure areas, session management and fraud prevention. These cookies are essential and do not require your consent. | Reg 6(4)(b) – “strictly necessary for a service requested by the user.” |
| Performance & analytics | Help us understand how visitors use our website (e.g., page views, load times, navigation paths) so we can improve customer experience. | Consent required (Reg 6(2)(b)). |
| Functional | Remember your preferences (such as language, region or login details) to enhance your experience. | Consent required unless essential. |
| Targeting & marketing | Allow us and our partners to show you relevant ads and measure their effectiveness across our digital channels. | Consent required (Reg 6(2)(b)). |
4. Your choices and consent
When you first visit our site or install our app, you’ll see a banner explaining that we use cookies. You can:
- Accept all cookies to get the full experience;
- Reject non-essential cookies (we will still set those strictly necessary for security and functionality); or
- Manage your preferences at any time via the “Cookie Settings” link in the footer or app menu.
You can also use your browser or device settings to delete or block cookies. However, some parts of our site may not work properly if you do so.
5. Cookies we use
When using www.118m8.com the cookies used are as below.
| Cookie name | Domain | Purpose | Duration | Type |
|---|---|---|---|---|
| __cf_bm | digitalopenspace.com | Determines whether a visitor is human or bot to protect our services from abuse. | A few seconds | Strictly necessary |
| _ga | Google Analytics (third party) | Registers a unique identifier that generates statistical data on how visitors use the site, helping us understand user journeys and improve services. Click here for an overview of privacy at Google. | 2 years | Performance & analytics |
6. Third-party cookies
Some cookies are set by trusted partners who help us analyse use or deliver ads. These third parties may use their cookies to build a profile of your interests and show you relevant ads on other sites. We do not control these cookies and recommend that you review their own policies (e.g., YouTube, Google, Meta, Microsoft).
7. Retention and review
Cookie consents are stored for no longer than 12 months unless you withdraw them earlier. We review this Policy and our cookie inventory every six months or whenever a new technology is introduced.
8. Data Use and Access Act (2025) disclosures
Under the DUAA, you have the right to know how data collected through cookies is used or shared. You can review details of the categories of data we process via Privacy Policy | 118 118 Money. We maintain records of cookie data flows, third-party processors, and customer consent logs for audit purposes.
9. Contact us
If you have questions about our use of cookies or this policy, contact:
Data Protection Officer
118 118 Money (Madison CF UK Ltd)
Email: dpo@118118money.com
10. Changes to this policy
We may update this Cookie Policy from time to time to reflect changes in law or our practices. Any material updates will be communicated through our website or apps, and the effective date will be amended above.