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COOKIE POLICY

Like most companies, when you visit or interact with the site, we and our service providers may use cookies and other tracking technologies for storing information, including pixels (also known as a “web beacon” or “clear GIFs”), local storage, and device identifiers, to help provide, protect and improve the site. For example, to save your preferences, personalize content, target ads based on your interests, combat fraud and abuse, and streamline the functioning of and your access to the site.

 

This policy explains how and why we use these technologies and the choices you have. We use “cookies” and “similar technologies” interchangeably to refer to all of these technologies.

 

What Are Cookies?

Cookies are small text files placed on your computer, phone, or other devices when you visit websites and are used to record information about your activity, including the pages you view, the content you listen to, ads you click on, your settings, and other actions you take on the site.

Cookies can be “persistent” or “session” cookies. Persistent cookies stay on your device for a set period of time or until you delete them, while session cookies are deleted once you close your web browser.

 

Similar Technologies

We use other data collecting technologies with similar functionality as cookies, including pixels, local storage, and device identifiers. While the specific names and types of cookies we use may change from time to time as we improve and update the site, we have provided some basic definitions in order to help you better understand this policy.

 

Pixels – A pixel is a small amount of code on a web page or in an email notification that typically work in conjunction with cookies to identify our users and record user behaviour. As many services do, we use pixels to learn whether you’ve interacted with certain web or email content. This helps us measure and improve our services and personalize your experience.

Local Storage – Local storage is an industry-standard technology that allows a website or application to store information locally on your computer or mobile device. We use local storage, including HTML5, to customize what we show you based on your content consumption and other past interactions with the site.

Device Identifiers – We also use mobile device and advertising identifiers for the same purposes articulated in this policy, for example, to recognise your device when you return to the site or otherwise use the site.

Software Development Kits – We may use third parties including our service providers and business partners who use mobile SDKs to collect information to recognize your device when you return to the site. We may use this technology, for instance, to analyze how you interact with the site, including content and advertisements, and to enable analytics or other features through mobile devices.

How We Use Cookies

While we use cookies to deliver, measure, and improve the site in various ways, the cookies we use generally fall into one of the following categories:

Operational – These cookies are necessary to allow us to operate the site as you have requested. For example, they let us authenticate your account and recognise what type of subscriber you are, so we can provide you with the site accordingly.

Performance/Analytics – We use these cookies to monitor and assess how the site is performing and where it can be improved. For example, we use these cookies to test different versions of our site to learn which features or content users prefer. We also use these cookies to analyse how people access and use our site. For instance, we may obtain information about your device and how users engage with the site or from email newsletters, including whether you opened or forwarded a newsletter or clicked on any of its content. This information tells us about our newsletters’ effectiveness and helps us ensure that we’re delivering information you find interesting.

Personalization/Advertising – These cookies use information about your use of the site, such as the pages you visit, the content you listen to, or your response to ads and emails, so we can recommend content and deliver ads that are more relevant and interesting to you based on criteria like your profile and activity on our site. We may also use these cookies to improve reporting on campaign performance, determine how many times people who click on their ads end up taking an action, and avoid repeatedly showing ads the user has already seen.

Marketing – We also work with third-party business partners, such as Google and Facebook to track user activity and market the site by showing you personalized ads for products and services on the site and third-party websites and applications.

Third Party Cookies

We allow certain service providers to place cookies and similar technologies on the site for the same purposes listed above, including collecting information about your online activities over time and across different websites and devices in order to provide you with more relevant advertising.

For instance, to help us better understand how people engage with the Platform, we work with third-party analytics partners, including Google Analytics. To opt out of Google Analytics, you may install the Google Analytics Opt-Out Browser here. To opt out of Google Analytics for display advertising or customize Google display network ads, you can visit the Google Ads Settings page.

You may also encounter cookies and tracking technologies from our third-party marketing service providers, including (1) Facebook to provide advertising services through Facebook’s advertising and marketing platforms (e.g., Audience Network, Custom Audiences, and Facebook Pixel) and other social networks, and (2) Google to provide advertising services through Google’s advertising and marketing platforms (e.g., DoubleClick for Publishers, Google AdX, and Adwords). Please refer to the Privacy Policy for how to opt out of cookies from these service providers.

Additionally, we may work with advertising networks and programmatic exchanges to allow us to serve you ads. These third-party ad networks and exchange providers may use third-party cookies, pixels, or similar technologies to collect information, including your device identifier, IP address, or identifier for advertising. The information these third parties collect may be used to help us in providing you with more relevant advertising that we serve on or off the site, and as described above.

Third-party cookies are covered by the third parties’ privacy policy.

 

Browser Settings

To control cookies, you can modify your settings in most web browsers to accept or deny cookies or to request your permission each time a site attempts to set a cookie. You can also manually delete previously stored cookies at any time. Please note that if you choose to block cookies, doing so may impair the site or prevent certain elements of it from functioning.

 

Device Settings

On your mobile device, enable the “Limit Ad Tracking” setting in your iOS phone’s settings, or the setting to “Opt out of Ads Personalization” in your Android phone’s settings. To opt out of location tracking when using our Apps, you can use the settings of your device. You can disable mobile analytics and bug reporting through these same settings as well.

 

Additional Controls

For more information about analytics and advertising cookies and how you can opt-out, you can visit the Network Advertising Initiative’s opt-out page, the Digital Advertising Alliance’s opt-out page, or http://youronlinechoices.eu.

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Mortgage Thoughts Limited Registered Office: 14 Park Square East, Leeds, LS1 2LF. Registered Company Number: 09528880 Registered in England & Wales.
Authorised and regulated by the Financial Conduct Authority. Financial Services Register No 943629. See more at https://register.fca.org.uk/. The information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK

Our mortgage eligibility tool is operated by Lending Score (a third party) on behalf of Mortgage Thoughts. It is designed to give you an indication of how likely you are to be accepted, should you make a full application for a particular mortgage deal. Your eligibility is determined by a high-level check of your credit record and the additional information you have provided. This does not constitute an offer of credit, and you may be referred or declined once a full assessment of your application has been completed. By providing you with an indicative comparison of mortgage products and the likelihood of you being able to obtain those mortgage products, we don’t look at whether the mortgage is suitable for you and your financial needs. The mortgage eligibility service is not, and should not be construed as, a recommendation, financial or other professional advice. Professional advice should always be sought before taking action. This can be obtained by contacting one of our qualified advisors.

It is important to note that our online mortgage eligibility service only covers a small number of lenders and there are other products available. By contacting one of our advisors we will be able to check your eligibility with a more comprehensive panel of lenders.

Your home may be repossessed if you do not keep up with repayments on your mortgage. Think carefully before securing other debts against your home.  You may have to pay an early repayment charge to your existing lender if you remortgage.