1. What cookies are
Cookies are small text files placed on your device when you visit a website. They let a site remember things between pages and between visits — for example that you are signed in, or which language you chose.
We also use closely related technologies such as local storage. Where this policy says "cookies", it covers those too.
2. Your choices
When you first visit, we ask which categories you are comfortable with. Strictly necessary cookies are always on because the site cannot function without them. Everything else is off unless you turn it on.
You can change your mind at any time using the Cookie settings link in the footer of every page, or by clearing cookies in your browser.
3. The categories we use
Strictly necessary — always active
These make the site work. Without them you could not sign in, submit an application, or stay signed in between pages.
| Cookie | Purpose | Retention |
|---|---|---|
| Session cookie | Keeps you signed in as you move between pages | Until you close your browser |
| CSRF token | Protects forms against cross-site request forgery | Session |
| Cookie preference | Remembers the choices you made in the banner | 12 months |
| Theme preference | Remembers whether you chose light or dark mode | Until cleared |
Analytics — optional
These help us understand which pages are used and where people get stuck, so we can improve them. The data is aggregated: we look at patterns, not individuals.
Marketing — optional
These let us measure whether our campaigns are working. We do not use marketing or analytics cookies to make lending decisions. Nothing in these categories affects whether your application is approved or what terms you are offered.
4. Third-party cookies
Some features rely on third parties who may set their own cookies:
- Google Translate — only if you use the language switcher, to remember your chosen language.
- Google reCAPTCHA — where enabled, to tell humans from automated abuse on our forms.
- Font and icon providers — to deliver typefaces and icons.
These providers operate under their own privacy policies, which we encourage you to read.
5. What happens if you decline
Declining optional cookies does not restrict your access. Every page, your account, and the full application process work exactly the same. You will simply not be counted in our analytics.
6. Managing cookies in your browser
All major browsers let you view, block and delete cookies through their settings. Blocking strictly necessary cookies will prevent you from signing in, so we do not recommend it.
7. Changes to this policy
If we add or remove a cookie category, we will update this page and ask for your choices again where the law requires it.
8. Contact
If you have a question about how we use cookies, contact us using the details on our contact page.
