Cookies are small text files that are sent to and stored on your computer, smartphone or any other device that may be used to access the internet, whenever you visit a website. Some of the functions that cookies perform can be done by other similar technologies and when we refer to cookies we mean these other similar technologies as well.

They enhance your browsing experience in various ways, which include remembering your preference settings, displaying relevant content and ensuring web pages function as intended.

We use cookies, web beacons and other similar technologies on our websites. In this policy, when we talk about cookies we also mean technologies that are similar or act in the same way. By using our websites you consent to such cookies, web beacons and similar technologies being used.

The main types of cookie

Session cookies:

Session cookies are typically used to track your movements between pages and to remember information entered within that session – often aiding website functionality or security.

Persistent cookies:

These are not deleted when you close your browser and will be stored after your visit. Persistent cookies are typically used to store your preferences for future visits and to provide targeted advertising based on your browsing activities and interests.

Please note: each of the categories below contains a combination of both session-based and persistent cookies. Cookies may include non-obvious personal information (e.g. information that does not include name, address, and email address or telephone number). Cookies do not store your internet protocol address (IP address) but it may be passed through to third parties with the cookie by your browser. All information is encrypted for security.

The cookies we use

Strictly necessary cookies:

As the name suggests, these cookies are essential to help you use our websites and features to their full potential. Strictly necessary cookies are not used to gather information about you for marketing or research purposes.

For example, necessary cookies:

  • Support our online application form.
  • Help to keep your information secure e.g. by monitoring the device you log in from.

Performance cookies:

These cookies collect details about your website activities, e.g. the pages you visited most often. We use this information to assess and improve our websites and monitor emails we send.

For example, performance cookies:

  • Provide us with analytics information including statistics about how customers use our websites.
  • Help us understand which browsers visitors use and the number of visitors to our websites.
  • Help us to identify service improvements.
  • Help us to test different website designs, new pages and personalise content.
  • Track whether emails we send are opened, which links are clicked in the emails, what operating system you use and what type of device you used. This information is provided by your email service provider and may include location data.
  • Monitor and/or record your activities on our websites for quality evaluation, training, legal and regulatory purposes including which webpages have been viewed, mouse movements on the page and key strokes.

We use trusted third parties to deliver these services including a web analytics service provided by Google Analytics on our websites. This service uses a third party cookie set by Google Analytics to track and evaluate website usage such as pages visited, how long you stay on the website and web clicks so that they can compile reports for us.

Cookie settings

You can control how cookies are placed on your computer or mobile device by changing your internet browser settings. You can also allow cookies from specific websites by making them ‘Trusted websites’.

You can delete existing cookies from your browser and if you completely disable cookies we won’t gather any further information, but we may still use information we’ve collected in the past.

If you would like to prevent data being used by Google Analytics you can download and install the Google Analytics opt-out browser add on from https://tools.google.com/dlpage/gaoptout

Please note: if you use multiple internet browsers/computers/mobile devices, you’ll need to update your settings on each in order to disable cookies completely.

Important: restricting cookies could mean you experience difficulty when using some online services. As an example, you may not be able to complete our online application form, as it relies on cookies to deliver critical functionality.

Cookie policy changes

Creation Consumer Finance Limited and Creation Financial Services Limited may change this cookie policy from time to time. When such a change is made, we will post a revised version online at Creation.co.uk. Changes will be effective from the point at which they are posted. Please do review this cookie policy periodically so you’re aware of any changes. By using our websites you accept this policy and that we may store and access cookies on your device.

This cookie policy was last reviewed on 30th April 2018.