Cookie Policy

Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used across the internet to make websites function more efficiently and to provide information to the owners of the site.

Cookies allow websites to recognise your device and remember information about your visit, such as your preferred language, font size, and other display preferences. This means you don't have to re-enter information each time you visit or navigate between pages.

Some cookies are deleted when you close your browser (session cookies), while others remain on your device until they expire or you delete them (persistent cookies).

Strictly Necessary Cookies: These cookies are essential for the operation of our website. They enable core functionality such as security, network management, and account access. You cannot opt out of these cookies as the website cannot function properly without them. Examples include cookies that maintain your session when you log in to your account.

Performance and Analytics Cookies: We use these cookies to collect information about how visitors use our website, including which pages are visited most often and any error messages received. This data helps us improve how our website works and measure the effectiveness of our content. We use Google Analytics for this purpose, which collects anonymised data.

Functionality Cookies: These cookies allow our website to remember choices you make (such as your username, language preference, or the region you are in) and provide enhanced, more personalised features. They may also be used to provide services you have requested, such as watching a video or using our calculators.

Targeting and Advertising Cookies: These cookies are used to deliver advertisements more relevant to you and your interests. They are also used to limit the number of times you see an advertisement and help measure the effectiveness of advertising campaigns. They remember that you have visited our website and this information may be shared with other organisations such as advertisers.

To enable the essential features of our website, including user authentication, security measures, and form submissions for loan enquiries and consultations.

To analyse and improve website performance by understanding how visitors navigate our site, which pages are most popular, and where users may encounter issues. This helps us optimise the user experience and ensure our content meets your needs.

To remember your preferences and settings, such as calculator inputs, preferred contact methods, and any accessibility settings you may have configured.

To provide personalised content and recommendations based on your browsing history on our website, such as suggesting relevant finance solutions or educational resources.

To support our marketing efforts by measuring the effectiveness of our advertising campaigns and ensuring you see relevant advertisements when you visit other websites.

Our website may contain cookies from third-party services that we use to enhance your experience. These third parties have their own privacy and cookie policies, and we encourage you to review them.

Google Analytics: We use Google Analytics to understand how visitors interact with our website. Google Analytics uses cookies to collect information about your visit, including your IP address (anonymised), browser type, referring pages, and time spent on our site. For more information, visit Google's Privacy Policy at policies.google.com/privacy.

Social Media Platforms: If you share content from our website on social media platforms (such as LinkedIn or Facebook), those platforms may set cookies on your device. We do not control these cookies.

Embedded Content: Our website may include embedded content from third parties (such as videos or maps). When you view this content, the third-party provider may set cookies on your device.

We regularly review the third-party services we use and will update this policy if there are any significant changes to the cookies they set.

You have the right to decide whether to accept or reject cookies (except strictly necessary cookies). You can exercise your cookie preferences by adjusting your browser settings.

Most web browsers allow you to control cookies through their settings. You can usually find these settings in the 'Options' or 'Preferences' menu of your browser. The following links provide information on how to manage cookies in common browsers:

• Google Chrome: support.google.com/chrome/answer/95647 • Mozilla Firefox: support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer • Microsoft Edge: support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge • Safari: support.apple.com/en-au/guide/safari/sfri11471/mac

Please note that blocking or deleting cookies may impact your experience on our website. Some features may not function properly, and you may need to re-enter information each time you visit.

For more information about cookies generally, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org or www.aboutcookies.org.