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Cookie policy

Information About Our Use of Cookies

What is a Cookie?

Like many websites, this website uses cookies.  Cookies are small text files, typically of letters and numbers containing small amounts of information, which are downloaded on to the browser or hard drive of your computer, mobile, or other device when you visit, access and use websites.  Cookies are widely used when providing online services and help to make websites work, or work more efficiently.  Cookies do lots of different things, for example, remembering user preferences, letting users navigate between pages efficiently and generally improving the user experience.  Cookies can also be used to provide information to the owners of the website. 

For further information about cookies visit www.aboutcookies.org or www.allaboutcookies.org.

The law provides that we can store cookies on your computer, mobile or other device if they are essential to operate this website however, we need to ask if you are happy for us to use any other non-essential cookies.

 

Types of Cookies

There are various different types of cookies:

  • Strictly necessary cookies. These cookies enable services that users have specifically asked for. Strictly necessary cookies are essential for the operation of a website and enable users to move around websites and use their features, e.g. cookies that enable users to log into secure areas of a website.
  • Analytical/performance cookies. These cookies collect information about how visitors use websites. Such information is aggregated, anonymous and not personally identifiable and is used to improve how websites work, e.g. these cookies can recognise and count website visitor numbers and see how visitors move around websites.

  • Functionality cookies. These cookies allow websites to remember choices that users make, (e.g. user name or language), and enable website owners to personalise their content for users, greet them by name and remember users’ preferences to improve their experience. They may be used to provide services that users have asked for, e.g. watching a video. The information collected may be anonymised and these cookies cannot track users’ browsing activity on other websites.

  • Targeting cookies or advertising cookies. These cookies record users’ visits to websites, the pages users visit and the links users follow. This information is used to make websites and the advertising displayed on them more relevant to users’ interests and to limit the number of times that users see advertisements and measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. Information obtained by these cookies may also be shared with third parties, e.g. advertisers. Often targeting/advertising cookies are linked to site functionality provided by third parties.

Cookies can either be “session cookies”, (which allow websites to link the actions of a user during a browser session, can be used for a variety of purposes and expire after the browser session), or “persistent cookies”, (which are stored on users’ devices in between browser sessions for a specified period of time, allowing the preferences or actions of the user across a website, or in some cases different websites, to be remembered).

Cookies can also either be “first party cookies”, which are set by the website which is visited by the user, (the website displayed in the URL window), or “third party cookies”, which are set by a domain other than the one being visited by the user, (a third party cookie will be set if a user visits a website and a third party company sets a cookie through that website).

 

What Cookies Do We Use, What Do They Do and Consent to Use

 You can find more information about the cookies we use and the purposes we use them for in the tables below. By using our website, you agree we can place these cookies on your device:

Table 1 - Cookies That Are Set By Us – First Party Cookies

Cookie

Purpose

Duration

SessionID

These are first party cookies, which are both strictly necessary and functional.  They store temporary information to enable site functionality and collect and hold certain information which improves the user experience whilst on our website by setting the appropriate language for the user and maintaining the user’s login details throughout the session, avoiding re-authentication. 

These cookies are session cookies.

 

Affiliate Tracking

These cookies are first party analytical/performance cookies.  They are affiliate tracking and error management cookies, which provide information about traffic sent via third party advertisers regarding users’ visits to our website and which pages are visited by users when they make loan applications.  This information enables us to improve our website and monitor errors in respect of the website.

The information collected by these cookies helps us to identify whether or not a user of our website has come to the website via one of our affiliates, (an affiliate is a website operator who can send traffic to a website using links from another website).  If so, these cookies identify the affiliate.   

The information collected by these cookies does not include any personally identifiable information and none of the information collected is passed to any third parties.

These cookies are persistent cookies.

 

Refer a Friend

These cookies are first party cookies which provide information concerning whether or not users have been referred to our website by a friend and, if so, the identity of that friend.  The information provided by these cookies includes a reference code which comprises the referring friend’s client_id and includes personally identifiable information. 

All personally identifiable information, which is collected and/or held by us using these cookies will be processed by us in accordance with the Relevant Legislation and our Privacy Policy, (to access our Privacy Policy for further information, please click here Privacy Policy).

These cookies are persistent cookies.

 

Website Analytics

These cookies are first party analytical cookies.  They are used to identify whether a user who visits our website via one of our affiliates has visited our website site already.  If it is a user’s first visit to our website, then a hidden pixel is loaded in the browser from the relevant affiliate to inform the affiliate that the user has visited our website.

The information collected by these cookies does not include any personally identifiable information and none of the information collected is passed to any third parties.

These cookies are persistent cookies.

 

Registration Summary

These cookies are first party functionality cookies.  They help us decide whether or not to show a summary page.  If this value is set, the user’s registration details are shown on login.  If it has been shown once, the value is cleared to prevent the summary showing again.

The information collected by these cookies does not include any personally identifiable information and none of the information collected is passed to any third parties.

These cookies are persistent cookies.

 

 

Table 2 - Cookies That Are Set By Others – Third Party Cookies

Cookie

Purpose

Duration

Iovation

 

These are third party cookies, which are used in connection with the provision to us of certain device identification and fraud prevention services.

The information collected by these cookies does not include any personally identifiable information.

These cookies are persistent cookies. 

 

Google Analytics

 

 

 

 

 

 

 

 

 

 

 

 

These are third party analytical cookies which are used by Google to help us learn about the traffic to our website.  They are used to collect information about how visitors use our site, including details in respect of the number of visitors to the site, where visitors have come to the site from and the pages they visited.  We use the information to compile reports about how visitors use our site and to help us improve the site.

The cookies collect information in an anonymous form, (none of these cookies collect and/or store any personally identifiable information). 

In addition to ourselves, Google accesses the information collected by these cookies.

Further details in respect of these cookies and what they are used for can be found by following this link to the Google website

These cookies are persistent cookies.

 

Google Doubleclick Remarketing Cookies

These cookies are third party advertising cookies, which are deployed on users’ devices by Google. 

DoubleClick uses cookies to improve advertising.  Some common applications are to target advertising based on what’s relevant to a user, to improve reporting on campaign performance, and to avoid showing ads the user has already seen.

DoubleClick cookies contain no personally identifiable information. Sometimes the cookie contains an additional identifier that is similar in appearance to the cookie ID.  This identifier is used to identify an ad campaign to which a user was exposed previously; but no other data is stored by DoubleClick in the cookie, and none of the data is personally identifiable. 

The information collected and/or stored by these cookies is only made available to ourselves and Google and not to any other third parties.

These cookies are persistent cookies.

 

Please note that third parties, (including, for example, advertising networks and providers of external services like web traffic analysis services), may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

 

How to Block or Refuse Cookies

If you do not agree to the use of cookies in connection with our website, you may block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies.  If, however, you use your browser settings to block or disable cookies, (including essential cookies), all or parts of our site may not be accessible and site functionality may be affected.  Further information on how to restrict or block cookies on a variety of browsers and on how to delete cookies can be found at www.aboutcookies.org and www.allaboutcookies.org.

If you agree to the use of cookies in connection with our website you may change your mind at any time and block, refuse, or delete cookies as set out above, (however, as noted above, this may affect functionality and not all parts of our site may be accessible).

 

Contact us

If you require further information regarding cookies or our use of them, please contact our Data Protection Officer at the following address: Group Compliance Director, MYJAR, PO Box 6040, Westcliff-on-Sea, SS1 9TE.

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