Cookie Policy

Cookies and Web Beacons

This policy sets out our use of Cookies when you use our App, Our Sites and/or App Site. (as defined in our Privacy Policy) Please read it carefully as it explains how we and third parties may make use of your data collected by such Cookies. If you wish to understand how we make use of your data more generally please read our Privacy Policy for our App Site, Our Site and/or App.

If enabled, we may place cookies on your machine that store small amounts of data on your computer about your visit to any of the pages of the App Site and/or Our Site. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit Our Site or the App Site again, Cookies can enable us to customize our content according to your preferences. These cookies do not track user information in a way that identifies your name, and all our cookie data is encrypted and cannot be read by other websites. To find out more about accepting or refusing cookies please visit www.allaboutcookies.org.

Third-party tracking utility companies also assist us in tracking Our Site and/or the App Site activity and collecting Our Site and/or the App Site analytics data. We do not share any personal information with these third parties, but our tracking utility company uses session ID, persistent cookies to make it easier for you to navigate Our Site and/or the App Site. The use of cookies by our third-party tracking utility companies is not covered by our Privacy Policy. We do not have access or control over these cookies.

We also use Google Analytics to collect non-personally identifiable information, in aggregate form, to understand website/page visit volumes in terms of source, geography, browser, etc.

Google Analytics employs a software technology called web beacons, that help us better manage content on Our Site and/or the App Site by informing us what content is effective. Web beacons are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users or responses to emails. In contrast to cookies, which are stored on a user's computer hard drive, web beacons are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. Web beacons cannot be disabled in same manner as cookies may. We do not tie the information gathered by web beacons to our customers' personally identifiable information.

Website: Cookies used by Lending Stream and Third Parties

Cookie Description
sessionid Identify customers when they login
csrftoken Offers protection against Cross-Site Request Forgery
flavour, mob_num, m_override Identify customers from mobile devices and render contents customized for mobile phone displays
lsrc, lsrc_detail, skey Identify the source of the customer when he lands on the website for the first time and used for offering appropriate customer experience
landDispRand, esignDispRand, thankuDispRand, applydisprand, mmrand, sid, homedisprand, valueid, uniqid, m-override, _C_mob_num, _C_flavor, appl_keyVal, dssrand, OptimizelySegments, optimizelyBuckets, optimizelyPendingLogEvents, unique_id Displaying certain pages based on the variant chosen for the customer
token_direct , payment_direct Dropped by the secure debit card gateway to prevent fraud

Third Parties Using Cookies

Cookie Purpose
sessionid Used to maintain login session.
homeid Unique id to identify arrival to website homepage
Csrftoken, tmsid -To prevent forgery and fraud
trackingid Combination of uniqid (permanent cookie) and valueid (session cookie)s
Lsrc, lsrc_detail, lsrc_history To know the source of website visitor
__utma, __utmb, __utmc, __utmz Google Analytics
NRAGENT New Relic

Any information that we acquire about you using cookies or other web tools is subject to the same restrictions and conditions as any other information we collect about you.

Mobile App

Cookies used by Mobile server:

Cookie Expiration Time Description
sessionid 30 mins Used to maintain login session.

Cookies used by Google Analytics:

Cookie Expiration Time Description
_ga 2 years Used to distinguish users.
_gat 10 minutes Used to throttle request rate.
__utma 2 years from set/update Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.
__utmt 10 minutes Used to throttle request rate.
__utmb 30 mins from set/update Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.
__utmc End of browser session Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.
__utmz 6 months from set/update Stores the traffic source or campaign that explains how the user reached our App Site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.
__utmv 2 years from set/update Used to store visitor-level custom variable data. This cookie is created when a developer uses the _setCustomVar method with a visitor level custom variable. This cookie was also used for the deprecated _setVar method. The cookie is updated every time data is sent to Google Analytics.

Cookies used by Piwik Analytics:

Cookie Expiration Time Description
_pk_ref 2 years from set/update Used to distinguish users.
_pk_cvar 30 minutes Used for custom variables.
_pk_id 2 years from set/update Used to distinguish device.
_pk_ses 30 minutes Used to distinguish session.

Contact Us

If you have any questions or concerns about the use of your personal information as described above, please contact us at Lending Stream, Wisteria Grange Barn, Pikes End, Pinner, London, United Kingdom, HA5 2EX |Registered Address: 251 Little Falls Drive, Wilmington, DE 19808, USA|Registered in the State of Delaware, USA | Registration Number: 4124111 | Authorised and Regulated by the Financial Conduct Authority. Registration Number 689378 | You can contact us at 0845 351 1482 (Call charges apply. Standard charges from BT landlines, mobiles and other providers may vary) or email us at info@lendingstream.co.uk| Copyright © Lending Stream

We don't offer loans under 60 days. Early prepayment options that are available are not associated with any fees or cost. Maximum APR of 1698.1%. Given a Representative APR is 1325%, if you borrow £200 over 6 months at 292.0% p.a. (fixed) your first repayment will be £33.60 followed by £96.00, £75.84, £66.88, £62.40 and £48.96 the following months. You will repay £383.68 in total, there are no additional fees.