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Cookies and our cookie policy

This page intends to explain in clear English what a cookie is, and why and how we use them.

What are cookies?

Website cookies are small text files that are stored on the device being used to browse a website. Whenever a website needs to remember something, whether it is about you or your device, a cookie is required. They do not usually contain data that can directly identify you, but provide a method of creating a more personalized website experience.

Cookies can exist on a device for as long as deemed necessary by the website or platform that created them.

  • Session cookies exist for the duration of a browsing session. A session is considered finished when the user closes their browser (including all windows/tabs), or has not visited a page on our website for a period of time. On our website, this period is 20 minutes.
  • Persistent cookies exist until they are erased from a device, either manually or by some other browser or organisation policy.
  • Expiry cookies are set to expire after a specified time.

You can find out more information about what a cookie is at the following website: http://www.allaboutcookies.org

Why do we use cookies?

Our website uses cookies for the following purposes:

  • To enable basic functionality of the website, such as completing a loan application.
  • To enable functionality that enhances the user experience, such as remembering a returning applicant’s details when using the same device.
  • To monitor the traffic visiting our website for analytical purposes, such as to find ways of improving the user experience.
  • To monitor performance of our advertising campaigns and to display adverts that are relevant to a user after they have left our website.

How do we use cookies?

Our website makes use of both first party cookies (set by us), and third party cookies (set by third party tools that we’ve embedded into the website).

The first party cookies we set can be categorised as Necessary and Preferences:

  • Necessary: These are Session cookies. They contain anonymous references that are sent back to the website with each page visit. This enables the website to remember details that have occurred within the same session. For example, when a user enters their details into the website to submit a loan application, the cookie is used to remember which loan application is being processed.

  • Preference: These are Persistent cookies. They contain anonymous references that enable the website to remember details that have occurred within the same or previous website sessions. This is particularly useful when a user returns to the website at a later date. We use these cookies in the following ways:

    • To remember that a user has acknowledged and agreed to our cookie policy, so that we don’t keep showing the cookie banner
    • To help returning applicants by either:
      • Resuming their current application
      • Pre-populating a new application with the details from their previous
    • To automatically log in an existing customer to their personal account

    You can change your preferences for the returning applicant and customer functionality from the website home page. If the home page does not recognise you, these preferences have already been cleared or have not been saved.

The third party cookies we set can be categorised as Tracking and Marketing

  • Tracking: These can be Session, Persistent or Expiry cookies. They contain anonymous data that can be used to track a user’s behaviour whilst using our website. They allow us to monitor how the website is performing and what types of audience we have. This insight is used to make continual improvements to the website experience. Examples of the analytical tools that use these cookies are:

    • Google Analytics - provides statistical and graphical representation of website traffic and behaviour
    • HotJar - provides graphical representation of website behaviour, including video replay (sensitive data is masked)
  • Marketing: These are mostly Persistent and Expiry cookies. They contain anonymous data that can be used to track performance of our advertising campaigns across multiple channels and to provide relevant advertisements to users after they have left our website. Examples of the marketing tools that use these cookies are:

How to delete or disable cookies

We take security of personal data very seriously and all cookies used on our website do not contain personal data.

However, we understand that some users may want to delete our cookies. This process is different depending on the browser being used. Instructions for some of the common browsers can be found below:

You can set your browser not to accept cookies. However, it’s important to remember that some of our services and the services of other websites may not function properly if your cookies are disabled. Instructions on how to disable cookies for some of the common browsers can be found below: