Cookie Policy

 

At Moneybarn we realise that many people aren’t familiar with cookies and other similar technologies, so we feel it’s important to shed some light on what they are and how we use them. That way you can make informed decisions about your cookie preferences. Below you’ll find a guide to cookies in general, as well as more detail about the cookies used on the website.

If you choose to continue to browse our site without opting out, we will assume that you’re happy with our use of cookies and will continue to use them throughout your visit.

What is a cookie and why are they used?

A cookie is a small piece of computer code that a website transfers to your computer’s hard drive so that it can remember you.

The information in a cookie usually includes the name of the website, their ‘duration’ or ‘lifetime’ (i.e. how long they will remain on your hard drive) and a unique identifier, which is usually a randomly generated number.

Cookies are used by most website operators to recognise visitors when they return, store any visitor preferences and to help find out how to improve the site, all of which is intended to improve your experience.

It’s important to note that cookies can’t be used to identify you personally unless you offer up personal information, i.e. when you complete an application form, as cookies only know what you’ve told them. They are also unable to access any personal information stored on your computer’s hard drive.

Are there different types of cookie?

Yes; different types of cookie include:

Session cookies – temporary cookies that are only stored on your computer for as long as you’re on a particular website. If you close your browser (e.g. Internet Explorer, Google Chrome) and end your ‘session’, the cookie will automatically be deleted.

Session cookies tend to be used to remember things whilst you’re browsing a website. For example, if you’re shopping online, a session cookie will be used to remember that you’ve added something to your ‘shopping basket’ and it will allow the website to keep it there for you.

Persistent cookies – more long-term cookies that remain on your computer after you’ve closed your browser. How long they stay on your computer changes from cookie to cookie, but it’s usually 30 days.

Like session cookies, persistent cookies are also used to remember things from when you’ve been browsing, but because they’re still on your computer after you’ve left a website, they can be used to make sure that when you return what you’re seeing is relevant to you e.g. clothes like those you may have looked at previously or grocery items you may have bought before.

Third-party cookies – cookies that are set by, or whose information is sent back to, a website that is different to the one you’re viewing.

For example, search engines like Google often set cookies so they can know where people go after using their website, but the anonymous, statistical information is collected when you’ve moved onto another website. Alternatively, advertisers often show adverts on sites that aren’t their own and use cookies to find out when people are viewing and clicking on them.

Should I be worried about cookies?

Many people may be worried that website operators using cookies will be able to personally identify them and/or access their private information stored on their computer’s hard drive.

This is not the case; cookies, and certainly those set by Moneybarn, cannot access any information that is stored on your computer’s hard drive. In addition, the only way a cookie could be used to personally identify you is if you choose to offer up personal information i.e. when you complete an application form.

It’s important to note that you should only ever provide your personal information on secure websites that you know you can trust. A quick and easy way to check whether a website is secure is to look out for the padlock symbol. You can be assured that the Moneybarn website is secure.

For the most part, the use of cookies is intended to improve a visitor’s experience of a website, either by remembering personal preferences or collecting anonymous statistics that, when analysed, can be used to improve your experience.

Does the Moneybarn website set cookies?

Yes. Moneybarn sets session, persistent and third-party cookies for the following purposes:

Session cookies

To allow information you’ve provided on our site to be carried through to other pages so that you don’t have to enter the same information repeatedly e.g. when you complete our application form. It is important to note that these cookies will be automatically deleted when you leave our website.

Persistent cookies

To help us recognise whether you’ve been to our site before, so that when you return we can tailor content and advertisements to your preferences.

To make sure you’re not asked to complete research surveys, too frequently or after you’ve already done so, or chosen not to.

To collate anonymous statistics that allow us to understand how visitors use our site. We use this information to help us improve the structure of our website to ultimately improve your experience on it.

Third-party cookies

Used for marketing purposes e.g. to show advertisements for our website on other websites and search engines and to track when people click on them.

Cookies used on the Moneybarn website

To make full use of the Moneybarn website, your computer, tablet or mobile phone will need to accept cookies, as we can only provide you with certain personalised features of this website by using them.

Here’s a list of the main cookies we use, and what we use them for.

Cookie Name Cookie Purpose
ASP.NET_SessionId Application Form Cookies – This cookie which allow our application process to work correctly.
__utma Google, Google Analytics, and Doubleclick | Privacy Policy

We work with Google to market our products and services on their Adwords platform. We record any completed transactions that have been referred by Adwords using cookies.

We use Google Analytics, a web analytics service provided by Google. Google Analytics uses cookies to help analyse how users use our websites. The information generated by the cookies about your use of our websites and your current IP-address will be transmitted by your browser to and will be stored by Google on servers in the United States and other countries. Google will use this information on our behalf for the purpose of evaluating your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage to us. The IP address collected through Google Analytics will not be associated with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser. You may also stop the transmission of information generated by the cookies about your use of the website and of your IP address to Google, by downloading and installing the Google Analytics Opt-out Browser Add-on available here.

In addition, we use Google’s remarketing technology to advertise online via their Adwords search and Doubleclick platforms. In doing so, Google will place or read a unique ad-serving cookie on your computer and will use non-personal information about your browser and your activity on our sites to serve ads on their content and search advertising networks. For more information about remarketing or to opt-out of the Google/Doubleclick remarketing cookies please click here.

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_gid
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_gac_<property-id>
_ga
mf_user Mouseflow may record mouse clicks, mouse movements, scrolling activity as well as selected non-personal text you type in this website. This site does not use Mouseflow to collect any personally identifiable information entered in this website. Mouseflow does not track your browsing habits across web sites which do not use Mouseflow services. We are using the information collected by Mouseflow service to improve our website, make it more user-friendly and monitor that it is performing correctly.

 

More Information

https://mouseflow.com/privacy/

 

How to disable Mouseflow

https://mouseflow.com/opt-out/

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Facebook – These cookies allows us to exclude you from or serve you with relevant advertising material on Facebook and its partner platforms. These cookies allow Facebook to find suitable audiences for Moneybarn to serve marketing material to. You can read more about the Facebook cookies and how you can control Facebook’s use of cookies to display ads here:
https://www.facebook.com/policies/cookies/
__lc.visitor_id.<id_of_the_visitor>

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__livechat

__livechat_lastvisit

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Live Chat Inc cookies allows users to chat, create tickets and fill out information for live chat agents. Live Chat Inc allows agents to initiate a conversion with the user if the user has agreed to cookies. If the user has previously had a conversation using Live Chat Inc, then the users name will be displayed and show that he/she is a returning visitor.  We use the information collected by Live Chat Inc to improve user experience, auditing purposes and quality checking. All chats and tickets are stored within Live Chat Inc.

 

More Information

https://www.livechatinc.com/legal/privacy-policy/

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optimizelyEndUserId

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Optimizely uses persistent visitor-level cookies and localStorage to uniquely identify visitors, track their actions, and deliver consistent experiences across page loads.

 

Optimizely uses cookies to complete A/B split tests and personalization across websites, mobile apps and connected devices.

 

More information

https://www.optimizely.com/privacy/

 

How to disable Optimizely

https://www.optimizely.com/legal/opt-out/

Can I delete cookies from my own computer?

Yes; you can delete cookies from your computer by clearing the history from your browser. The way to do this varies depending on which browser you use, but you can find simple step-by-step instructions for many different browser types on the About Cookies website.

You can also amend your settings to control whether or not your browser accepts cookies, but it’s worth bearing in mind that many websites rely on cookies to allow them to function properly and choosing to reject cookies may mean you’re not able to use all the features you’re used to. You can again find information on how to do this on the About Cookies website.

Can I choose to opt-out of Moneybarn’s cookies?

Each time you visit our site you can choose to opt-out of having persistent and third-party cookies placed on your computer’s hard drive.

Session cookies will automatically be deleted when you leave our site, but you can choose to opt out of persistent cookies set by Moneybarn and/or third-party cookies.

All modern browsers allow you to change your cookie settings. You can usually find these settings in the ‘options’ or ‘preferences’ menu of your browser. To understand these settings the following links may be helpful, or you can use the ‘Help’ option in your browser for more details.

Cookie settings in Internet Explorer
Cookie settings in Firefox
Cookie settings in Chrome
Cookie settings in Safari web and iOS.

Please also note that if you do choose to apply for one of our loans, you will be opted back in to the use of cookies to ensure that the application form works properly