1. What this Policy Covers
- what a cookie is (at paragraph 2);
- an overview of the cookies we use and how we use them (paragraph 3);
- what you can do if you do not agree to the cookie use (paragraph 4);
- links to further information about cookies in general (paragraph 5); and
- a detailed table setting out all of the cookies that we use (paragraph 6).
2. What is a Cookie
Cookies are small text files containing small amounts of information which are downloaded and may be stored on the computer (or other internet enabled devices, such as a smartphone or tablet) that you use when you visit a Website. Cookies are used for a number of purposes, such as remembering your preferences, and helping to improve your online experience.
3. What Cookies Do We Use and Why?
We use several different types of cookies. Some of these are session cookies which are temporary and allow us to link your actions during a browser session. Others are persistent cookies which remain on your device for the period of time specified in the cookie. We also use third party cookies - these are cookies that are set by a third party website rather than by us. In addition, we use essential cookies which enable certain website features, functionality cookies which allow us to remember choices you make (e.g. your cookie preference) and targeting cookies which are used to deliver adverts more relevant to you and your interests.
The following is a more detailed explanation of the types of cookies we use, categorised by the purpose of the cookies.
3.1 Session Cookies
Session cookies only last for the duration of your visit to a website and are removed when you close your browser. These help us perform various tasks such as allowing our website to track a user across multiple pages on our site. This helps to support website security and basic functionality. Debt Managers (Services) Ltd use session cookies throughout our website to:
- identify you as being logged on our website;
- remember information you have entered on different pages during a web browsing session;
- remember the products and services you applied for or requested;
- enable a time out functionality should you take too long to complete an application; and
- make sure you connect to the right service on our website when we make any changes to the website.
These cookies are necessary for the proper operation of our website, so if you block these cookies we can't guarantee your use or the security of our website during your visit.
3.2 Persistent Cookies
Persistent cookies remain after you leave and have closed your browser, and can then be accessed on your next visit in order to retrieve any preferences you set and to recall the actions you took on the site on any previous visits. This can be to monitor browsing behaviour to help improve websites, or to target marketing. Debt Managers (Services) Ltd use persistent cookies to remember your cookie preferences and for Google Analytics cookies (for further details, see our section on Google Analytics below).
3.3 First and Third Party Cookies
First or Third party refers to the website which has placed a cookie on your device. First party cookies are those set by or on behalf of the website visited (in our case these are cookies set by any website controlled by Debt Managers (Services) Ltd). All other cookies are Third party cookies. We use both First party and Third party cookies. For a full list of our cookies see section 5 on cookie use further down this page.
3.4 Essential cookies
Essential cookies are necessary in order to enable website features, and to ensure the security of your experience. Without these cookies, services you have asked for, such as applying for products, may not function correctly. These cookies will not be used for the purposes of marketing.
3.5 Performance cookies
Performance cookies collect information about how you use our website or application (e.g. which pages you visit, and if you experience any errors). These cookies do not collect any information that could identify you and are only used to help us improve how our website works, understand what interests our users, and measure how effective our advertising is. We use performance cookies :
- to analyse how you use the website; and
- for error management, to help improve the website.
Some of these cookies are managed by third parties, and you may refer to the third parties' own website privacy notifications for further information. In particular, Debt Managers (Services) Ltd uses Google Analytics cookies to obtain an overall view of visitor habits and visitor volumes. We use this data to help improve the overall experience on our website.
3.6 Functionality cookies
Functionality cookies allow the Debt Managers (Services) Ltd website to remember certain data you enter and choices you make (e.g. if you have set a location preference). The information these cookies collect does not contain your name or account details. Functionality cookies do not track your browsing activity across other websites. We use functionality cookies to:
- remember settings you've applied, such as preferences regarding layout and colours;
3.7 Targeting Cookies
Targeting cookies store information about your browsing on a particular website. They remember that you have visited a website and this information could be used to determine how you got there, the device you used, how frequently you visit, how long you visited for, what town or city you visited from and other information relevant to targeting. They are usually placed by advertising networks or web analytics companies. We use targeting cookies and certain google AdWords to advertise to people within the UK based on gender, demographics and geographies.
Debt Managers (Services) Ltd does not currently use this information to target individual adverts to individual customers.
Debt Managers (Services) Ltd uses Google Analytics, a third-party web analysis service provided by Google Inc, which uses performance cookies and targeting cookies to analyse how you use the website. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.
By using our website, you agree that we may store and access these cookies on your device. Accepting these cookies is a condition of using the website or application, so if you prevent them we cannot guarantee how our site will perform for you.
4. Other Cookies
5. What if I don't want to accept cookies?
The following links may assist you in managing your cookies settings, or you can use the 'Help' option in your internet browser for more details.
- Cookie settings in Microsoft Edge
- Cookie settings in Firefox
- Cookie settings in Chrome
- Cookie settings in Safari
To block Google Analytics cookies specifically, you can install the "Google Analytics Opt-out Browser Add-on" provided by Google.
6. Other Information
A guide to online privacy has been produced by the internet advertising industry which can be found:
A UK cookie guide can be found on the International Chamber of Commerce website section: http://www.iccwbo.org/about-icc/policy-commissions/digital-economy/
7. Debt Managers (Services) Ltd Cookie Use
Below is a full list of the cookies used by Debt Managers (Services) Ltd.
- Joomla session