Cookie Policy
1. What is a cookie?
A cookie is a small text file that is downloaded onto a computer or smartphone when you visit a website. It allows the website to recognise that user’s device and store some information about the user’s preferences or past actions.
This policy sets out our use of Cookies when you use Our websites and/or Our Mobile sites. (as defined in our Privacy Policy) Please read it carefully as it explains how we and our third parties may make use of your data collected by such Cookies.
If enabled by means of consent by the user, 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.
2. Session and persistent cookies
All cookies placed by us are either session cookies or persistent cookies.
Session cookies last for the length of your visit to a website. They delete themselves when you close your browser. Session cookies can help with security. For instance, they can keep you logged on as you move around a website.
Persistent cookies stay on your device even when you close your browser. They store your choices for when you go back to a website. Organisations find them useful to see how people use their websites. They can also be used to tailor the ads and marketing you see on social media, apps and other websites.
3. First and third-party cookies
Whether a cookie is first, or third party depends on where it comes from.
3.1 First party cookies are set by websites you visit. Ex- Lending stream website. The various cookies placed by us is mandatory for the proper functioning of the website. The most common cookies placed across various pages in our website are given below for reference. 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.
| Cookie | Description |
|---|---|
| sessionid | Identify customers when they login |
| csrftoken | Offers protection against Cross-Site Request Forgery |
| flavour, mob_num | Identify customers from mobile devices and render contents customized for mobile phone displays |
| lsrc, lsrc_detail, lsrc_history | Identify the source of the customer when he lands on the website for the first time and used for offering appropriate customer experience |
token_direct , token_redirect | Dropped by the secure debit card gateway to prevent fraud |
| flow_type, visited, byol_visited | Load appropriate pages of the website and website flow |
| visit_cookie_id, srchattmptcnt | Used for tracking page visits |
| visid_incap_* | Dropped on behalf of Incapsula for linking certain sessions to a specific visitor. Provides DDoS Protection |
3.2 Third party cookies are set by outside organisations such as social media, search engines, other advertising networks, and our business partners. These 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, so you may refer to those third-party partners website cookie and privacy policy for more information.
3.3 Our Third Party Partners
If you have given us your consent, we may allow third parties to collect data by setting their own cookies on your device (computer or mobile). You can change your choices at any time by visiting our website and selecting “Manage Cookies”.
Given below is the list of our Third Party Partners who may offer their services for our website and place cookies for the same. You can refer to their website to understand how the cookie data is used by them.
| Tag Name | Official references | Purpose of cookies | Cookie Category |
|---|---|---|---|
| GA | https://analytics.google.com | To capture a specific event like application submits, customer performance etc | Performance |
| Google ads | https://ads.google.com | Google ads tracking and conversion recording | Performance |
| Bing ads | https://ads.microsoft.com | Bing ads conversion recording | Performance |
| https://business.facebook.com | To track conversions and rejections from all pages of FB | Marketing | |
| PHG | https://partnerize.com/en | To capture new approval and returning approvals for affiliate partners added on PHG platform | Performance |
| Hotjar | https://www.hotjar.com | Track Customer Behaviour such as heatmap, Recordings etc | Performance |
| VWO | https://vwo.com | To track the performance of A/B testing in pages and optimize the website | Performance |
| LP | https://www.liveperson.com | To provide the Live Person chat to customers | Strictly Necessary |
| Piwik | https://piwik.pro | To analyse the customer performance on the website | Strictly Necessary |
| New Relic | https://newrelic.com | Used for application performance monitoring | Strictly Necessary |
| Upsellit | https://www.upsellit.com | To show popups and capture conversion | Performance |
4. Website: Cookies used by Lending Stream
Any customer who is visiting our website for the first time will have to provide their consent for placing the cookie in their machines. The cookies we use can be divided into the following categories.
4.1 Strictly Necessary Cookies
These are essential cookies needed for you to be able to use our website to its full extent. Without some of these cookies we can’t provide you with the service you want. These cookies allow our website to remember you and any choices you’ve made on our website. This can include certain data inputted/selected by you during your application which may include personal data and log-in details. It will also recognise if you have come to our website via a promotion and will retain that information, so the promotion remains available to you, whilst applicable. Certain cookies allow us to track how our website is performing (i.e. page load times) and how customers are using the website.
These cookies cannot be disabled as it may prevent our website from working properly. If they are blocked, then we’re unable to carry out the functions above and therefore your personal data and preferences may have to be reset every time you visit us.
These cookies do not gather information about you that can be used for marketing purposes and do not track outside of our website and are used by us on an aggregate basis.
4.2 Performance Cookies
These cookies collect information about how you have accessed our website and how you use it. This information is anonymous and used on an aggregated basis to improve how our website works and improve the performance of our services. Disabling these cookies will mean we can’t learn how our website is performing and improve the customer experience for you.
4.3 Marketing Cookies
These cookies collect information about your browsing habits. They remember what websites you’ve visited and what products you’ve looked at. This information is then shared with third parties, such as advertisers. This is done in order to show you more relevant adverts and ensure they’re tailored to your interests. Disabling these cookies will mean that adverts you see online may be less relevant to you.
5. Cookie settings
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. Please note that by disallowing cookies some functionality on the site may be restricted in our website. You can visit Information Commissioners’ Office (ICO) website on how to manage cookies in common browsers (Internet Explorer, Chrome, Firefox and Safari).
The cookie consent can be modified in the setting available in the footer of the website at any time. The maximum duration of any cookie that will be placed in a user machine will be for a year before a new consent may be obtained from the customer. If the consent is revoked, then the relevant cookie information is also removed from our systems immediately.
6. 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, PO Box 10756, Leicester, LE3 4GX | 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 via our Contact Us page | Copyright © Lending Stream
We don't offer loans under 60 days. We offer 6 or 12 month loans. The maximum repayment period is 12 months. Maximum APR 1721%.
Representative Example: Given a Representative APR of 1333%, if you borrow £200 over 6 months at 292.0% p.a. (fixed), you would owe 6 equal repayments of £64.44. You will repay £386.61 in total.
Warning: Late repayment can cause you serious money problems. For help go to moneyhelper.org.uk