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Cookie Policy

Our website and online services, along with most other websites, use cookies and similar technologies.  For the purpose of this policy, 'cookies' and 'similar technologies' will be referred to collectively as 'cookies'.

What are cookies?

Cookies are small text files containing pieces of information that websites can store on your computer's hard disk.  Cookies enable users to navigate around the website and (where appropriate) allow us to continually improve the website and make it more efficient to use on future visits. 

We use two types of cookies on this website:

Session cookies are temporary cookies that remain on your machine only for as long as you are on the website and are deleted after each visit

Persistent cookies which remain on your machine until expiry or deletion (many of these have automatic deletion dates).  Persistent cookies may store your personal preferences, for example your language preferences on multi-lingual sites.  They may also be used to record activity you may have previously completed, such as completing an online survey, so that you are not asked to complete the survey every time you use the site.  

How we use cookies on our website

We use some 'strictly necessary' cookies within our online services. These are limited to those deemed essential to provide you with the services you have requested, for example 'Apply online', and therefore must be allowed to continue with that service.

In addition we use cookies to:

  • Collect anonymous information that will help us understand visitors' browsing habits on our website;
  • Compile statistical reports on website activity, e.g. number of visitors and the pages they visit;
  • Temporarily store any information which you may enter in tools, such as calculators or demonstrations on our website;
  • In some cases, remember information about you when you visit our site.  We may need to do this to provide some of our services.

We sometimes use third parties to assist us in the analysis of visits to and performance of our website, but no personal information is collected and no personal information is sent to the third parties for this purpose

We do not use cookies to track your use of the internet after you leave our site, nor do we use them to store any personal information in them that others could read and understand.

Cookies Used

A list of the purposes we use cookies for on SJM Properties is below:


PHP Session Cookie - used to store data for the user's session (until the browser is closed). This includes login status and checkout progress

First party - integral to site operation

__utma, __utmb, __utmc, __utmz

Google Analytics cookies for anonymously tracking visitor data and profiles

Third party - useful for Beads Direct to make user specific improvements to the website


Used by Facebook to allow use of the Facebook Like buttons

Third party - to provide further functionality

guest_id, k, external_referer, js

Used by Twitter to allow use of the social networking "Tweet" button

Third party - to provide further functionality


Used by Google (+1) to allow use of the social networking "+1" button

Third party - to provide further functionality

Changing your cookie settings

You can block any cookies from any website through your browser settings. For more specific information about how to do this and how to manage cookies to suit your preferences, including deleting those that have already been added to your computer, please visit

If you share the use of a computer, accepting or rejecting the use of cookies will affect all users of that computer.