What is a cookie?
A cookie is a small file containing data which is saved to the computer or device you're using when you visit a website. When you return to a website, these cookies are read by that site and often used to identify you and your preferences. No personal information, such as your name or address, is stored in cookies.
Remember that as cookies are device based, if you use our website on your desktop and on your mobile, cookies will be saved to both devices.
Types of cookie
There are different types of cookies we use depending on what we need them for.
Persistent vs session cookies
A cookie can either be persistent (long term) or session (short term) based. We use both. Persistent cookies remain on your device after you have closed your browser window. These cookies are used to remember you when you next return to a website, or for remarketing purposes, so that when you are on a different website we can show you an advertising banner. Persistent cookies stay on your browser until their expiry date or if you should decide to delete them, which you can do through the browser you're using.
A session cookie only stays on your browser for as long as you are using a particular website; it is deleted as soon as you close the browser. Session cookies are needed, among other things, to remember who you are when you move from page to page on a website.
First and third-party cookies
A cookie can also be a first party cookie or a third-party cookie. First party cookies are those set by the website you visited. All other cookies are third party. We use both. We only work with trusted partners when using third party cookies. These include performance cookies, which help us track visits or revenue to partner websites, analytics cookies (i.e. Google Analytics, Appsflyer) which help us understand how much web traffic or app traffic we are receiving, and marketing cookies (i.e. Facebook, Google) which help us track the performance of our marketing campaigns, remarket similar products or services to you (including via social media), and create 'lookalike' audiences to find new customers. If you view content (i.e. a video) powered by a third party on our website (i.e. YouTube) they will set their own cookies on your browser. All our partners have their own cookie policies, which you can refer to.
If you prefer not to see online advertising that markets products or services to you based on your online behaviour, you can visit one of these websites to opt out of interest based advertising from many companies, some of whom we work withhttp://optout.networkadvertising.orghttp://www.youronlinechoices.com/uk/your-ad-choices
The third party cookies we use
Below is a sample of significant third party cookies we use on our website for the purposes of analysis or marketing.
You can change your Facebook settings any time – seehttps://www.facebook.com/help/568137493302217?helpref=faq_contentfor instructions on how to do so.
There are many different reasons we collect cookies. These are:
Borrowing Power Service
The following provisions specifically apply to our Borrowing Power Service:
We work with a CRA (currently Experian) to give you a unique score – your “Borrowing Power” - that is an indication of the credit available to you at the time of your use of the Account Services (your “Borrowing Power”). We may calculate this at the time you first register for an account with us, on your subsequent visits and in any event every month to let you know how / if your Borrowing Power is changing. From your Borrowing Power, we will show you tailored information about Products that might be available to you.
By using the Borrowing Power Service your information will be shared with the CRA and specific Lenders in accordance with our Privacy Notice.
We will show you your Borrowing Power results within your account (“Borrowing Results”). After we have provided you with these initial Borrowing Results your Borrowing Power will be reconfirmed on a monthly basis, and whenever you log in, and we shall update your Borrowing Results both on the Site and monthly by email.
How to manage your cookies
You can choose to accept or decline cookies through your web browser. If you choose to decline cookies this can reduce your experience using many websites.
You can also delete existing cookies through your web browser.
For information about how to manage cookies for individual browsers here are the relevant resources:
Google Chrome Firefox Opera Internet Explorer Safari Edge For more information about how to manage your cookies please visit http://www.allaboutcookies.org/manage-cookies/.