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Cookie policy

About Cookies

Low Rate Loans is committed to providing you with full and transparent information about Cookie use.

What are cookies?

Cookies are small text files which are placed on your computer (or Smartphone or other device used to access the internet) whenever you visit a website. We use Cookies for different reasons, including to enhance your visit to our website.

The Cookies we place on your computer cannot be used to retrieve any other data from your hard drive, to pass viruses to your computer, or capture your e-mail address. Each Cookie is unique to your web browser and device. Some of the functions that cookies perform can also be achieved using alternative technology hence we use the term ‘Cookies’ in this notice.

Cookies serve several functions. Most Cookies won’t collect information that identifies you, and will instead collect more general information such as how users arrive at a website or app, or a user’s general location.

Cookies can help to remember your username and preferences, how well a website or app is performing or even allow content to be recommended to you.

Certain Cookies contain personal information – for example, if you click to “remember me” when logging in to a website or app, a cookie will store your username.

You can find more information about cookies at www.allaboutcookies.org

The Cookies we use, and their purposes

Essential Cookies

These Cookies are vital to the basic performance of the website; they enable critical authentication and validation, session management, and fraud prevention.

Examples

Cookies that:

  • Where appropriate, allow us to confirm that you have successfully logged in
  • allow you to navigate efficiently between pages
Functionality Cookies

These Cookies provide you with additional functionality and enable us to remember the settings that you may have previously applied, such as language preference and font size.

Examples

Cookies that:

  • allow us to remember what preferences you may have set
  • Where appropriate, allow us to remember your login details, like your user ID
Performance Cookies

We use these Cookies to optimise the experience on the website and understand what content visitors might be more interested in. They collect data such as volume of visitors, clicks and conversions; they are used at an aggregate level and combined with other non-personal data, to track the success of our products’ campaigns.

The implementation of performance Cookies does not allow us to collect any users’ activity data beyond it’s’ own websites.

Examples

Cookies that:

  • allow us to understand which browser visitors use and the number of new visitors to our website
  • allow us to test different versions of the same page, so we can provide the very best customer experience.

Third Party Marketing Cookies & Social Advertising

We have relationships with a number of third-party advertising networks and social media partners (we call these, Advertising Partners) that use Cookies for marketing purposes. We may use an Advertising Partner to serve you with targeted advertising while you are on a third party website. We only work with Advertising Partners who adhere to industry standards and who provide you with the ability to ‘opt-out’ of targeted advertising.

Note that all such Cookies will be blocked if you choose to ‘Decline’ Cookies through our site (see ‘Managing your Cookie Preferences’ section).

As you might be aware, various social media platforms also use information they collect about you to serve you with advertising while you’re using their platform (for example, social networks present users with advertising using ‘social context’). We participate in these types of programs with our social media partners. We encourage you to learn more about advertising on the Social Network and the choices you have by referring to their privacy statement and opt out options.

Managing your Cookie preferences on the Website

You can manage your Cookie preferences through your browser settings. Help and advice on how to do this can be obtained from the following website:

You can also find out more about the use of cookies and opt out anytime via the following links:

Use of other websites

When you use links to other websites which we provide to you, we recommend that you read the privacy and Cookies policies on those websites.

Cookie as part of e-mails

We use cookies to understand track whether emails we send to you are opened or not and which links or URLs you might click on within those emails. We do this to determine the effectiveness of our communications and to help us better tailor emails and online advertising we may serve you in the future.

You can disable cookie for emails by changing your device or email program settings (generally, you can do this by turning off ‘auto image loading’).