Cookie Policy

Last updated May 2018

Our Cookie Policy is a part of our Privacy Policy.

We use cookies to improve the performance of our lending platform and give you the best possible user experience. Our Cookie Policy explains:

  • what cookies are,
  • what types we use,
  • why we use them and
  • how to identify or disable them.

Please note that our platform is custom-designed to provide visitors with the best experience - deleting cookies or disabling their use may therefore result in reduced functionality.

  • What are cookies?

    Cookies are small text files which are stored on your device (computer, mobile or tablet for example) when you visit a website. The cookies we use can't harm your computer and we don't ever store sensitive data such as bank details in them. Cookies are used by almost all websites today and can be generated by certain actions on a site, like a page view or a button click, allowing website providers to better tailor their platform’s response to you as an individual.

    Cookies serve many functions but in general our cookies are used to:

    1. Correctly, speedily and efficiently load our webpage
    2. Protect our customers and ourselves from fraud
    3. Identify errors or poor performance of the site
    4. Communicate with our customers using online chat
    5. Authenticate and recognise users while they are on our site
    6. Understand our customers’ behaviour when they take a loan
    7. And understand our customers in order to serve them more interesting and relevant marketing

    Cookies can be ‘1st party’, meaning they are created by us or ‘3rd party’, meaning that they are created by Lendable’s trusted partners in order for us to use their services to improve our performance. Where cookies are 3rd party, please refer to their specific policies for more details.

    Cookies can be ‘session-only’ meaning they last only for the period of time you are browsing, or ‘persistent’ meaning that they remain in your internet browser for a longer period of time.

  • What cookies do we use?

    1. Necessary cookies

    Some cookies are essential to deliver our service. Among other things, these cookies allow us to:

    • detect and protect you from fraud
    • remember your product choices while you browse
    • securely process payments
    • track which of our partners has introduced you to us

    These cookies don't record any information about you that could be used for marketing or gather any historical recording of where you have been on the internet.

    Some of our Necessary cookies look like this:

    Cookie ProviderCookie DomainCookie Names
    Lendablelendable.co.uksession, lifetime
    Stripestripe.com_stripe_sid, _stripe_mid, cid

    2. Operational cookies

    Operational cookies collect information about how our site behaves and allow us to deliver a high-quality service to customers. Among other things, these cookies allow us to:

    • load our site as efficiently as possible
    • catch performance bugs to ensure customer journeys are as smooth as possible
    • provide live chat with customers that want to speak to us
    • manage activity on our website

    These cookies don't collect any information that could identify you – all the information collected is anonymous and is used to help us improve your experience. The information recorded by these cookies cannot be used for tracking customers.

    Some of our Operational cookies look like this:

    Cookie ProviderCookie DomainCookie Names
    NewRelicnr-data.netJSESSIONID
    Inspectletinspectlet.com_cfduid
    LiveChatlivechatinc.comlc_window_state, _lc_vv, message_text etc.
    All Response Mediatag4arm.comAWSALB

    3. Marketing cookies

    'Marketing' cookies collect information of activity on our website and our visitors’ preferences. Among other things, these cookies allow us to:

    • monitor website traffic and activity for performance and marketing analysis
    • understand user behaviours
    • serve better, more specific adverts to audiences more likely to be interested

    Some of our Marketing cookies look like this

    Cookie ProviderCookie DomainCookie Names
    Facebookfacebook.comfr, <EMPTY>
    Google Analyticslendable.com_ga, _gid
    Experian Marketing ServicesTBATBA
  • Are all our website cookies our own?

    Across all three categories of cookies, we use both our own cookies (1st party) and those built by trusted providers (3rd party). Where we use 3rd party cookies and you want to find more detailed information, please visit their respective websites. Below is a list of these 3rd party cookies that range across the Necessary, Operational and Marketing categories detailed previously.

    3rd PartyPurpose
    New RelicMonitoring and recording the performance our website
    InspectletMonitoring website use
    StripeProcessing payments
    Google AnalyticsOn-site tracking of activity on our lending platform e.g. Understanding which website pages are mostpopular
    FacebookServing relevant and appropriate marketing to relevant and appropriate audiences
    All Response MediaOptimising the timing of our television marketing
    Experian Marketing ServicesServing relevant and appropriate marketing to relevant and appropriate audiences

    Regarding Experian Marketing Services: Experian will be acting as a data processor for the listed purposes and for the profiling of audiences bearing similarities to your data. You have a choice about whether or not you want your information to be used in this way and you can set your preferences by visiting https://www.experianmarketingservices.digital/cookieoptout. This will not stop you from seeing content about our services, but it will mean that the content you do see may not be as relevant to you.

  • How can you stop cookies?

    If you want to restrict or fully block web browser cookies which are set on your device then you can do this through your browser, usually in their settings menu. The help function within your browser should help you understand how to do this as it is slightly different for every browser (Google Chrome, Mozilla Firefox, Internet Explorer, Safari etc.).

    Please be aware that some of our services will not function as smoothly if your browser disables all cookies. You can create exceptions and allow cookies from specific websites only by making them “trusted websites” in your browser. We recommend you make Lendable a trusted website in order to get the best service level our platform can provide.

    You may wish to visit https://en.wikipedia.org/wiki/HTTP_cookie for more information on cookies or https://www.aboutcookies.org/ for a guide on controlling cookies.

© Lendable 2018