Cookie Policy

Cookie Policy
We are fully committed to treating your personal information in such a way that it is fair, secure and respecting all relevant laws. We will only request personal information when it is required for the purpose of assessing an application for personal finance.
Whenever you use our websites, mobile sites, mobile applications or applications on any devices, information may be collected through the use of cookies and similar technologies.
This Cookie Policy should be read in conjunction with our Privacy Policy.
By using our website, digital products and services, you agree to our use of cookies as described in this Cookie Policy.

Understanding Cookies
A "cookie" is a small text file that's stored on your computer, smartphone, tablet, or other device when you visit a website or use an app.
Cookies are very useful for websites and provide functionality to make your experience on our website as smooth as possible. For example, they let you move between web pages efficiently, remembering your preferences, and generally improving your online experience. They also allow us to improve our website, so that it continues to meet your needs.
We use two types of cookies. Persistent Cookies are stored on a user’s device to help remember settings, preferences or sign-on credentials. They are activated each time you revisit our website. This helps create a convenient and faster website experience. Session cookies are temporary and pass data from page to page until it expires or you clear your cache.
Certain features of our site depend upon cookies to function and are deemed, within the law, to be strictly necessary, these are referred to as “essential cookies”. You will not be asked for your consent for us to place these cookies, however you may disable the cookies via your browser settings. These cookies are automatically placed on your computer or device when you access or perform certain actions on a website. These cookies are used solely to transmit data over a network or are needed to make a website operational.

Managing Cookies
There are various ways that you can control and manage your cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.
Please remember that any settings you change will not only affect Cookies used on our website, these changes will apply to all websites that you visit (unless you choose to block cookies from specific websites).
Most browsers will allow you to:
l  See what cookies you've got and delete them on an individual basis.

l  Block third party cookies.

l  Block cookies from specific websites.

l  Block all cookies from being set.

l  Delete all cookies when you close your browser.

You should be aware that any preferences will be lost if you delete your cookies (which also includes where you have opted out from cookies, as this requires an opt-out cookie to be set).
To find out more about cookies, including how to see your active cookies, how to manage and delete them, visit www.allaboutcookies.org. Alternatively, you can search the internet for other independent information on cookies.

What cookies we use and how we use them Website (Analytical) Cookies
The Cookies we use on our website are "analytical" cookies. They allow us to keep our digital products and services up-to-date and easy to use. We then use web analytics services to help us understand how people use them. For example, we can see which parts of our products and services are most popular, identify when errors occur, and test different versions of a page. This allows us to optimise our customers’ experience. These web analytics services may be designed and operated by 3rd party companies on our behalf.
Cookies allow web analytics services to recognise your browser or device and, for example, identify whether you have visited our website before, what you have previously viewed or clicked on, and how you found us. We may also collect information about your computer or device, including where available your IP address, operating system and browser type. For system administration and statistical purposes we may collect anonymised data relating to users’ journeys to understand the popularity of particular vehicles or special offers. It also helps us to analyse patterns of user activity and to develop a better user experience.
Web analytics data and cookies cannot be used to identify you as they do not contain personal information such as your name or email address. However, if you have registered and signed into our services we may combine information from your registration with the data we get from our web analytics service and its cookies (or similar technologies) to analyse how you and other people use our digital products and services. This would also include where you have consented to receive such communications that would allow us to send you an email and other types of marketing communications that might be of interest to you. Where the combined information can be used to identify you, we use it only in accordance with our Terms of Use and Privacy Policy.
Performance cookies gather anonymous data around how visitors use a website for internal purposes. This makes sure you are given a better user experience as they help us to understand how our website is used by visitors. Through these cookies, we can improve the way the site works and the content that is presented to you.

Our Own Cookies
We also use our own cookies to help in the general operation of our website e.g. to help us keep track as to whether you have accepted our Cookie Policy. When you visit our website, we also collect basic information such as your internet provider's domain name, which pages you visited on our website, and the date and time. We use this information only to analyse the use of our website to help make improvements. We do not collect any personal identifiable information other than in the course of providing you with goods and services.

Other Third Party Cookies / Marketing Cookies
Our Site also uses third-party cookies to collect anonymous traffic data about your use of our website. On some pages of our website you may notice that cookies have been set that are not related to us or our authorised service providers. These anonymous cookies may be set by a third party to track the success of their application or to customise their application for you e.g. Matamo collects information such as the pages you visit on our website, the browser and operating system you use and time spent visiting tese pages. The purpose of this information is to help us improve our website for future visitors. You can access Matomo's Privacy policy via: https://matomo.org/privacy-policy/?footer
Marketing based cookies help personalise advertising. They are often served by third party companies. These cookies track your online activity between websites, help advertisers deliver more relevant promotional material to you, based on your website behaviour and interactions. They also help limit how many times you see an advert for the same product.
We also use the following third party Cookies –
 Hotjar: provides an IT solution via the internet which allows us to collect website behaviour statistics, analytics and feedback information to provide you with a better experience, diagnose technical problems and analyse trends. We comply with data protection requirements including General Data Protection Regulation and in accordance with our Privacy Policy. No personal data that personally identifies you is collected. Hotjar uses cookies to process information including standard internet log information and your behavioural patterns on visiting our websites. This is done to provide you with a better experience, and to facilitate the use of certain functions.
We use various third party tools and tags to analyse your usage and to help improve your online experiences. These are detailed in the table below.

Cookies in Emails
As well as the cookies we use on our website, we use cookies and similar technologies in email communications.
These help us to understand whether you’ve opened an email and how you’ve interacted with it. Cookies may also be set if you click on a link within the email.
If you don't want to accept cookies in emails, you can set your browser to restrict or reject cookies, or you can close the email before downloading any images or clicking on any links. This is explained above under 'Managing Cookies'.