Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk
The way we track information about people who visit our site is by using cookies. This information includes your IP address, operating system and browser type, in order for us to learn aggregate information. This is never used to identify any individual. It also allows us to present you with a consistent experience with our website, and also to use web analytic tools to see how our sites are used in order to improve them.
What is a cookie?
A cookie is a small data file which are created when you visit any website. They are stored in the cookies directory on the computer/device you are using. They are NOT used to access your computer or device, but access is required to drop the cookie. Cookies can be set to last for a certain amount of time, this can be anything from a few minutes or several years.
How we use cookies.
Some Cookies are used by websites, to enhance or improve your browsing experience. These ‘essential’ cookies are responsible for remembering that you are logged in or have taken certain actions during you visit. These cookies are referred to as essential because without them, the site or web page would not function as we intended and make it impossible to provide our service to the standard expected. Other ‘non-essential’ cookies which cannot directly identify individuals visiting our websites are used for marketing purposes. If you agree, these cookies allow us to advertise our service and products to you on this, and other websites and apps.
Web Beacons
These are like 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 cookies are placed on your device (with your consent) which relate to a ‘third party’ website. These are usually social media, advertising or analytics providers. You can find a full list of cookies we use on our site below. Along with steps to opt-out of these cookies.
Cookies on our website may be also set by us, third parties we're working with, or independent third parties, such as advertisers.
Analytics Cookies.
We use these non-essential, analytical cookies to understand how users interact with our web pages and services while on our Site. This data is used to measure how many users visit each page, and what options they click on.
Google Analytics – Google Analytics is a platform that collects data from our websites and apps to create reports that provide insights into our business. We ensure that all IP addresses are anonymized and are not collected by Google. Cookies are used to measure how customers navigate and interact with our websites.
You can find more info at: https://policies.google.com/technologies/cookies
Google Optimize – Google Optimize allows us to test variants of web pages and see how they perform. Cookies are used to ensure customers are presented with a consistent user experience during these tests, and link data back to Google Analytics.
You can find more info at: https://policies.google.com/technologies/cookies
Exponea – Bloomreach (formerly Exponea) is an online platform specializing in marketing automation, product discovery, and content management systems. Cookies are used to measure how customers navigate and interact with our websites.
You can find more info at https://www.bloomreach.com/en/legal/services-cookie-notice?spz=learn_var
Full Story – Full Story is a digital intelligence system that helps provides insights into customer experiences on our websites. Cookies are used to measure how customers navigate and interact with our websites.
You can find more info at https://www.fullstory.com/legal/privacy-policy/
Microsoft Clarity – Microsoft Clarity is a user behaviour analytics tool that provides insights into customer experiences on our websites. Cookies are used to measure how customers navigate and interact with our websites.
You can find more info at https://privacy.microsoft.com/en-gb/privacystatement
Convert – Convert is an experimentation testing platform that allows us to test variants of web pages and see how they perform. Cookies are used to ensure customers are presented with a consistent user experience during these tests.
Advertising
We may also use third party cookies for behavioural advertising, sometimes referred to as remarketing. If you agree to these, they allow us to show you relevant products that we think may be of interest to you based on your browsing behaviour and history. This is why you see adverts for websites you have visited recently on other apps or websites.
Google Ads – Google Ads is an online advertising service, where advertisers bid to display advertisements to web users. Cookies are used to measure the performance of ads and deliver targeted ads through Google Ads.
You can find more info at https://policies.google.com/technologies/cookies
Facebook – Facebook is a social networking site. Cookies are used to measure the performance of ads and deliver targeted ads on Facebook & Instagram.
You can find more info at https://www.facebook.com/privacy/policy/
Microsoft Advertising – Microsoft Advertising is an online advertising service, where advertisers bid to display advertisements to web users. Cookies are used to measure the performance of ads and deliver targeted ads through Microsoft Advertising.
You can find more info at https://privacy.microsoft.com/en-gb/privacystatement
You can find more information about how cookies work at https://allaboutcookies.org/
You can choose to opt-out of all non-essential cookies. How you can do this is explained in the next section of this policy.
Managing Cookies
You can disable, delete, or block cookies at any time you choose on your device. You have full control over all cookies on your device. The responsibility of your control lies with the browser software you use to access the internet. They each have their own way on allowing you access to these settings and depending on which browser you choose will depend on how you can control them.
We have provided links to the most popular browsers cookie management pages below.
To find information relating to other browsers, visit the browser developer's website.
Below is a list of cookies that we use on our website.
Essential Cookies
| Cookie Name | Expiry |
| cleverloans laravel_session XSRF-TOKEN clever-loans.com |
1 day |
Marketing Cookies
| Third Party | Cookie Name | Expiry |
| Microsoft Advertising | mui(x), _uet(x), _msuuid, MUID, MUIDB, ANON, NAP, SRCHD, SRCHUID, SRCHUSR | 13 months from set |
| _uetvid | 16 days | |
| _uetsid | 1 day | |
| Google Ads | _gcl_aw, _gcl_au | End of calendar year from set |
| NID | 6 Months | |
| presence, act, c_user, _fbp | End of browser session | |
| wd | 7 days | |
| datr, sb | 13 months from set | |
| fr, xs | End of calendar year from set |
Analytical 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 |
| _ga_<container-id> | 2 years | |
| _gac_gb_<container-id> | 90 days | |
| _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 | |
| Zendesk | _cfduid | 8 months from set |
| ajs_anonymous_id,ajs_group_id,ajs_user_id | 9 months | |
| _help_center_session, _zdsession, _zendesk, _zlcmid | end of browser session | |
| Full Story | OptanonAlertBoxClosed | 7 months from set |
| OptanonConsent | 12 months from set | |
| _mkto_trk | 2 years | |
| ei_client_id | 2 years | |
| optimizelyEndUserId | 6 months | |
| fs_uid | 12 months from set | |
| Google Optimize | _gaexp | 90 days (or sooner dependent on test) |
| _opt_awcid,_opt_awmid,_opt_awmid | 24 hours | |
| _opt_awgid,_opt_awkid,_opt_utmc | 24 hours | |
| Microsoft | _clck, _clsk, CLID, ANONCHK, MR, MUID, SM | 13 months from set |
| Convert Experiences | _conv_v | 6 months from last update time |
| _conv_s | 20 minutes since last update (last browsing activity) | |
| _conv_r | When another customer comes from the referrer | |
| _conv_sptest | Until you close your browser |