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Cookie Policy

What is a cookie?

Cookies are small data files which are created when you visit a website, and they are stored in the cookies directory on your device. They do not give us any access to your device. They are generally used to “remember” you and your preferences, either for a single visit (through a “session cookie”) or for multiple repeat visits (using a “persistent cookie”). They ensure that the experience on a website is exactly how it is intended to be, and perform essential functions such as allowing users to register and remain logged in. Cookies can be set to last for a certain amount of time. Sometimes just a few minutes or up to several years.

How we use cookies.

Some cookies are used by our website to improve your browsing experience. These are called ‘essential’ cookies and they do things like remembering that you’re logged in or that you have made certain selections during your visit – for example where you have given consent for marketing. These cookies are essential because without them, the site would not function in the way it is intended and may make your journey impossible.

Some of our essential cookies operate in consent-only modes, which means they change how they normally act, track, and analyse based on consent given by you. If consent has been granted the cookies behave normally and allow us to build a picture of how you use our services each time you interact with us. If you do not provide consent for these specific cookies, only very basic measurement data, such as time of click, aggregated conversions and country of origin, is sent across.

Other ‘non-essential’ cookies are used for marketing purposes, which (if you agree) allow us to advertise our products and services to you on this and other websites or apps. You cannot be directly identified from these cookies and none of your personal information is ever used in them.

Web Beacons

These are similar to cookies and they help improve your online experience. They help us to track the usage of our site, give us statistics and help us identify errors or problems.

Third Party Cookies.

These are cookies that (with your consent), we place on your computer which and which relate to a ‘third party’ website. Usually these are social media, advertising or analytics providers. A full list of all the cookies we use is below, along with the steps to opt-out of these cookies.

Managing Cookies

You have full control over the cookies on your device. You can disable, delete or block them any time you choose. The internet browser software that you use is responsible for managing your cookies and gives you full access to the settings. Depending upon which browser you choose to use, depends on how to control them.

Find out how to manage cookies on popular browsers:

  • Google Chrome
  • Microsoft Edge
  • Mozilla Firefox
  • Microsoft Internet Explorer
  • Opera
  • Apple Safari

To find information relating to other browsers, visit the browser developer's website.

Advertising

We may also use third party cookies for behavioural advertising, sometimes called remarketing. This is a means of showing you relevant products based on your browsing history. This is how, for example you often see adverts for websites that you have recently visited, when visiting other websites or apps. This means that the advertising you see is more relevant to you. Again, this can be turned off if you prefer.

Cookies we use:

Essential Cookies

Cookie Name Expiry
XSRF-TOKEN 1 day
creditec_session 2 hours

Marketing Cookies

Third Party Cookie Name Expiry
Exponea __exponea_etc__ 7 days - 3 years (depends on browser)
__exponea_time2__ 7 months
__exponea__ 2 years
xnpe_ 3 years
Google Analytics _ga 2 years
_dc_gtm_ 1 minute
_gat 1 minute
_gid 24 hours
AMP_TOKEN 30 seconds to 1 year
_gac_<property-id> 90 days
__utma 2 years from set/update
__utmt 10 minutes
__utmb 30 minutes from set/update
__utmc Until you close your browser
__utmz 6 months from set/update
__utmv 2 years from set/update
_dc_gtm_UA 24 hours
_gat_UA-(x) End of browser session
Privacy policy
Cookie policy

© Copyright creditec 2022 - All rights reserved.

Creditec Ltd is acting as a credit broker, not a lender. We are an appointed representative of Dennico Ltd, who are authorised and regulated by the Financial Conduct Authority (FRN: 793530).

Dennico Ltd is registered in England and Wales under company number 11034439; registered office: Steam Mill Business Centre, Steam Mill Street, Chester, United Kingdom, CH3 5AN

Creditec Limited is registered in England and Wales under company number 13700425; registered office: The Steam Mill Business Centre, Steam Mill Street, Chester, United Kingdom, CH3 5AN. ICO registration number: ZB288703