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Cookie Policy

1. What is a cookie?

We use cookies on our website and will ask for your consent to our use of cookies when you visit us.

A cookie is a small file containing data that 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.

2. Types of cookies

There are different types of cookies we use depending on what we need them for.

3. Persistent vs. session cookies

A cookie can either be persistent (long-term) or session-based (short-term). We use both.

  • Persistent cookies: These remain on your device after you have closed your browser window. They are used to remember you when you next return to a website or for remarketing purposes, so that when you visit a different website, we can show you an advertising banner. Persistent cookies stay on your browser until their expiry date or until you decide to delete them through your browser settings.
  • Session cookies: These stay on your browser only while you are using a particular website and are deleted as soon as you close the browser. Session cookies are needed, among other things, to remember who you are as you move from page to page on a website.

4. 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 cookies. We use both and only work with trusted partners when using third-party cookies. These include:

  • Performance cookies: Help us track visits or revenue to partner websites.
  • Analytics cookies: For example, Google Analytics and AppsFlyer. These help us understand how much web or app traffic we receive.
  • Marketing cookies: For example, Facebook and Google. These 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 (e.g., a video) powered by a third party on our website (e.g., YouTube), that third party will set its own cookies on your browser. All our partners have their own cookie policies, which you can refer to for more information.

5. The third-party cookies we use

Below is a sample of significant third-party cookies we use on our website for analysis or marketing purposes.

  • Google Analytics: We use Google Analytics to analyse the use of our website. Google Analytics gathers information about how our website is used by means of cookies. The information gathered relating to our website is used to create reports about website usage. Google’s privacy policy is available at: Google Privacy Policy.

6. Why we use cookies

There are many different reasons why we collect information through cookies:

  • Functionality: To remember the preferences you set on our website (e.g., whether you are logged in or have accepted our cookie policy) and provide the experience you expect.
  • Understanding our customers: To track the pages you visit and buttons you click so we can understand what is relevant to you and create a more personalised experience.
  • Personalisation: To link what we know about you as a customer to your behaviour on our website, helping us understand more about you.
  • Product improvement: To test new features or content so we can understand whether you like using or seeing them.
  • Marketing: To market new products or features to you via other channels, such as social media, and create “lookalike audiences” to target advertising to new customers.
  • Third-party connections: To help you navigate third-party content on our site, support partner marketing and analysis, or allow service providers to give us insights into how people use our website.

7. Credit worthiness

  • Credit worthiness: We work with a credit reference agency (CRA) to give you a unique score—your “Credit Worthiness”—that indicates the credit available to you at the time you use the Account Services. We may calculate this when you first register for an account, during subsequent visits, and, in any event, every month to let you know how or whether your Credit Worthiness is changing. Based on your Credit Worthiness, we will show you tailored information about products that might be available to you.
  • Your information: Your information will be shared with the CRA and specific lenders in accordance with our Privacy Notice.
  • Results: We will show you your results within your account and via email (“Credit Worthiness”).

8. How to manage your cookies

You can choose to accept or decline cookies through your web browser. If you choose to decline cookies, this may limit your experience when using many websites. You can also delete existing cookies through the browser settings for Google Chrome, Firefox, Opera, Internet Explorer, Safari, or Edge.

For more information about managing cookies, please visit All About Cookies: Managing Cookies.

9. More information about cookies

If you’d like to learn more about how cookies work and how to manage them, please visit:

As these are external websites, we cannot take responsibility for the information they contain.