Your cookie choices

The basics

What are cookies?

Cookies are small files stored on your device when you visit a website.

They can help a website:

• Work securely
• Remember your choices
• Maintain a form session
• Understand how visitors use it
• Measure whether advertising works

Similar technology, including pixels, tags, scripts and local storage, may perform related functions. We refer to all of these as cookies in this policy.

Four categories

The cookies we use

We group cookies into four categories.

Strictly necessary cookies

These cookies are required for the website to work securely.

They may be used to:

• Protect the website from malicious activity
• Keep application pages working
• Maintain a session while you complete a form
• Remember your cookie choices
• Balance website traffic
• Prevent repeated or fraudulent submissions

Strictly necessary cookies are always active because the service cannot operate correctly without them.

Preference cookies

These cookies remember choices you make, such as:

• A selected loan amount
• A preferred repayment term
• Display or accessibility preferences

They are only used where enabled and permitted by your cookie choice.

Analytics cookies

Analytics cookies help us understand how the website is used.

They may tell us:

• Which pages are visited
• How visitors move through the website
• Whether an error occurred
• How long pages take to load
• Which content visitors find useful
• Whether people complete or leave a form

We use analytics information to improve the website. Analytics cookies are not set unless you allow them.

Marketing cookies

Marketing cookies may help us:

• Measure whether advertising leads to a visit or application
• Avoid showing the same advert repeatedly
• Understand which campaigns are effective
• Make advertising more relevant

Marketing cookies are not set unless you allow them.

Refusing marketing cookies will not stop you from using UKPayday or submitting an application.

Control

Your choices

When you first visit UKPayday, you can:

• Accept optional cookies
• Reject optional cookies
• Choose individual categories

Strictly necessary cookies remain active.

Rejecting optional cookies will not prevent you from accessing the website’s main services.

Change your mind

Change your choice

You can change or withdraw your cookie choice at any time.

Manage cookie settings

Withdrawing consent does not undo information already processed, but it stops the relevant optional cookies from being used in future.

The current list

Current cookies and providers

The Cookie Settings panel provides the current list of cookies and similar technologies used on UKPayday.

For each cookie, it should show:

• Cookie name
• Provider
• Purpose
• Category
• Whether it is first-party or third-party
• How long it remains on your device

The panel is the current source of information because cookies can change when the website or its service providers are updated.

Third parties

Third-party cookies

Some optional cookies may be provided by analytics, advertising or technology companies.

When a third-party service is enabled, that organisation may receive information such as:

• Your IP address
• Device and browser details
• Pages visited
• Referring website
• Actions completed on the website
• Advertising identifiers

The current providers must be named in the Cookie Settings panel.

Third parties process information under their own privacy policies. Our Privacy Policy explains more about data sharing and international transfers.

Duration

How long cookies remain

Some cookies are deleted when you close your browser. These are session cookies.

Others remain for a defined period or until you delete them. These are persistent cookies.

The duration of each cookie must be shown in the Cookie Settings panel. We review cookie duration and remove cookies that are no longer required.

Your browser

Browser controls

Most browsers allow you to:

• Block cookies
• Delete existing cookies
• Receive a warning before a cookie is stored
• Block cookies from particular websites
• Block third-party cookies

Blocking all cookies may prevent parts of the application form from working correctly.

Browser controls are separate from UKPayday’s Cookie Settings panel.

Updates

Changes to this policy

We may update this policy if:

• We add or remove a service
• The cookies used by the website change
• Our application process changes
• The law or regulatory guidance changes

The updated version will appear here with a revised date.

Questions

Contact us

Questions about cookies can be sent to help@ukpayday.co.uk.

Company number

SC535782

ICO registration number

ZB537016