How your personal information may be used by Belmont Green Finance Ltd

Last updated 11.03.2020

Cookies

Belmont Green Finance Limited is committed to protecting you and any data (anonymous or otherwise) that we collect about you online. This section tells you how we use cookies, why, and how this allows us to improve our service. It also tells you how you can manage what cookies are stored on your device.

By using our websites (through any device) you agree that this Cookies Policy applies to that use in addition to any other terms and conditions which may apply. We reserve the right to make changes to our Cookies Policy. Any changes will appear here and become effective immediately. Your continued use of our websites is taken as meaning that you agree to such changes.

What are cookies?

A cookie is a small file of letters and numbers that is downloaded on to your computer when you visit a website. They are then sent back to the originating website on each subsequent visit, or to another website that recognises that cookie.

Cookies are used by many websites and can do a number of things such as remembering your preferences, counting the number of people looking at a website and generally improving your online experience. There are different types of cookies. They all work in the same way but have minor differences. Here are a list of the different types of cookies.

  • Session Cookies: also called a transient cookie, are stored in temporary memory and only last for the duration of your visit. When you close your web browser, these cookies are erased. When you restart your browser and go back to the site that created the cookie, the website will not recognise you. They do not collect information from your computer, and typically store information in the form of a session identification that does not personally identify you. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, so they don’t have to authenticate or reprocess each new area they visit, supporting basic functionality and website security. Many of the cookies we use are session cookies. They contain no personal information that can be used to identify an individual.
  • Persistent Cookies: these files stay in one of your browsers subfolders until you delete them manually or your browser deletes them based on the duration period contained within the persistent cookie’s file. They help websites remember your information and preferences, speeding up or enhancing your experience of services and functions offered. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device however, we only use persistent cookies to analyse your visits to our website, for example, our cookie named WT_fpc. These cookies help us to understand how you arrive at and use our website so we can improve the experience for you.   
  • First and Third-Party Cookies: a first-party cookie (or just a normal session cookie) is set by which ever website you are actually visiting at the time. A third-party cookie is set when you are using one website, but that website has embedded JavaScript from a different (i.e. third-party) website and the JavaScript sets a cookie.
  • Strictly Necessary Cookies: these cookies are essential to enable you to move around the website and use its features. Without these cookies, services such as applying for products and managing your accounts can’t be provided. These cookies don’t gather information about you for the purposes of marketing.
  • Performance Cookies: these cookies only monitor the performance of the site as you interact with it. They collect information about how you use a website, for example, which pages you go to most often, and if you get error messages from any of the web pages. These cookies do not collect information that identify you, although they may collect the IP address of the device used to access the site. All the information these cookies collect are anonymous and only used to improve how a website works, the user experience and to optimise our advertising. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. All popular web browsers provide information on how to do this such as Internet Explorer, Google Chrome, Firefox and Safari.
  • Functionality Cookies: these cookies are not essential, but they enhance your use of our website by recording information about choices you have made. For example, your user name or your location preferences. They are also used to identify what type of customer you are based on your behaviour. Using this information, we may set your default homepage to that which is most appropriate for your customer type for the next time you visit us. They may also be used to provide services you request, such as watching a video. The information these cookies collect is anonymised (i.e. it does not contain your name, address, account details, etc.) and they don’t track your browsing activity across other websites. By using our websites, you agree that we can place these types of cookies on your device, however, you can block them using your browser settings. All popular web browsers provide information on how to do this such as Internet Explorer, Google Chrome, Firefox and Safari.
  • Targeting Cookies: these cookies collect several pieces of information about your browsing habits. They are usually placed by advertising networks. They remember that you have visited a website and this information is shared with other organisations such as media publishers. These organisations do this in order to provide you with targeted adverts more relevant to you and your interests. This type of advertising is called online behavioural advertising and place an icon in the top right hand corner of an advert.

What types of Cookies do we use?

We use cookies and similar tools across our websites to improve its performance and enhance your user experience. For full details about our cookies, we’ve put together a list of the cookies we use:

First party cookies

We set these cookies and they can only be read by us.

Hotjar:

We use Hotjar to improve design and user experience of our websites by providing statistics on the site usage and pages visited.

Name

Description

Duration

_hjClosedSurveyInvites

Hotjar cookie. This cookie is set once a visitor interacts with a Survey invitation modal popup. It is used to ensure that the same invite does not re-appear if it has already been shown.

365 days

_hjDonePolls

Hotjar cookie. This cookie is set once a visitor completes a poll using the Feedback Poll widget. It is used to ensure that the same poll does not re-appear if it has already been filled in.

365 days

_hjMinimizedPolls

Hotjar cookie. This cookie is set once a visitor minimizes a Feedback Poll widget. It is used to ensure that the widget stays minimizes when the visitor navigates through your site

365 days

_hjDoneTestersWidgets

Hotjar cookie. This cookie is set once a visitor submits their information in the Recruit User Testers widget. It is used to ensure that the same form does not re-appear if it has already been filled in.

365 days

_hjIncludedInSample

Hotjar cookie. This session cookie is set to let Hotjar know whether that visitor is included in the sample which is used to generate funnels.

365 days

_hjShownFeedbackMessage

This cookie is set when a visitor minimizes or completes Incoming Feedback. This is done so that the Incoming Feedback will load as minimized immediately if they navigate to another page where it is set to show.

365 days

_hjid

Hotjar cookie. This cookie is set when the customer first lands on a page with the Hotjar script. It is used to persist theHotjar User ID, unique to that site on the browser. This ensures that behavior in subsequent visits to the same site will be attributed to the same user ID.

365 days

_hjRecordingLastActivity

This should be found in sessionStorage (as opposed to cookies). This gets updated when a visitor recording starts and when data is sent through the WebSocket (the visitor performs an action that Hotjar records)

Session

hjTLDTest

When the Hotjar script executes we try to determine the most generic cookie path we should use, instead of the page hostname. This is done so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the_hjTLDTestcookie for different URL substring alternatives until it fails. After this check, the cookie is removed.

Session

_hjUserAttributesHash

User Attributes sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated.

Session

_hjCachedUserAttributes

This cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. These attributes will only be saved if the user interacts with a Hotjar Feedback tool.

Session

_hjLocalStorageTest

This cookie is used to check if the Hotjar Tracking Script can use local storage. If it can, a value of 1 is set in this cookie. Thedata stored in_hjLocalStorageTest has no expiration time, but it is deleted immediately after creating it so the expected storage time is under 100ms.

N/A

 

Persistent cookies

We use persistent cookies which will be saved on your computer for a fixed period (usually 1 year or longer). They won’t be deleted when the browser is closed. We use persistent cookies to recognise your device for more than one browsing session.

Session cookies

We use session cookies which are only stored temporarily during a browsing session and will be deleted from your device when the browser is closed.

Third party cookies

We use a number of third party suppliers who also set cookies on Our website in order to deliver the services that they are providing. These cookies are known as third party cookies.

Depending on the type of cookies We use, cookies also allow us to make our site more user-friendly.  For example, permanent cookies allow us to save your password so that you do not have to re-enter it every time you visit our site. Our site may also use cookies to make sure you don't see the same content repeatedly and/or to deliver content specific to your interests. Details and functions of the cookies used on Our site are set out in the following table:

Google Analytics:

We use Google Analytics in order to evaluate your use of our websites and compile reports for us on the website. You can learn about Google Analytics cookies by visiting their website  www.google.com/intl/en/privacypolicy.html

 

COOKIE ID

PURPOSE

_ga

Used to distinguish users

_gid

Used to distinguish users

_gat

Used to throttle request rate. If Google Analytics is deployed via Google Tag Manager, this cookie will be name _dc_gtm

AMP_TOKEN

Contains a token that can be used to retrieve a Client ID from AMP Client ID service. Other possible values indicate opt-out, inflight request or an error retrieving a Client ID from AMP Client ID service.

_gac_<property-ID>

Contains campaign related information for the user. If you have linked your Google Analytics and Google Ads accounts, Google Ads website conversion tags will read this cookie unless you opt-out. Learn more.

 

You can find out more on cookies and how to manage them by visiting the Information Commissioners Office (ICO) website.