We want to provide a positive website experience for visitors to the Clever Lending Website, so that the online services are easy to use, helpful and reliable.

In order to facilitate this, an extremely common internet marketing technique is used that involves placing small amounts of information on your computer’s hard drive (or mobile phone or other device) by the server that hosts the Clever Lending website. These small amounts of information are text files called ‘cookies’.

What are ‘cookies’?

‘Cookies’ are pieces of information that are stored on the hard drive of your browsing device (e.g. your computer) to enable you to interact with a website in the most efficient way.

‘Cookies’ are usually small text files saved onto your computer’s memory. They cannot be used to identify you personally, nor can any ‘cookies’ used by the Clever Lending website harm the performance of your computer, as they are only pieces of text (and not a program that can be infected with a virus).

‘Cookies’ cannot ‘read’ anything on your hard drive or ‘capture’ your email address or ‘steal’ any other information about you that might be stored on your hard drive.

While it is recommended you accept the use of ‘cookies’ because they are necessary to provide the best website viewing experience, it is possible for you to decide to prevent the site’s ability to save ‘cookies’ to your hard drive. We explain where to find out how to prevent the use of ‘cookies’ below.

Please be aware that restricting or preventing ‘cookies’ may result in an adverse impact on the functionality of the Clever Lending Website (as well as any other websites you visit).

How does the Clever Lending Website use ‘cookies’?

The Clever Lending Website uses a number of different ‘cookies’ for various reasons as outlined below, but no personally identifiable information is collected about you via ‘cookies’.

The Clever Lending website may make use of ‘cookies’ to help provide a better experience while a user is browsing our Website, such as:

• Measuring how many people are using each different part of the Clever Lending Website, so the way we present our online information can be analysed
• Analysing data to help us understand how you use the Clever Lending Website so we can make improvements

Why does the Clever Lending website use ‘cookies’?

Different types of ‘cookies’ enhance website visitors’ experience in two different ways:

1. Session ID
   Session ID ‘cookies’ allow you to negotiate your way around the different pages of the Clever Lending Website without re-typing any previously typed information, so you don’t get asked for the same information you’ve already given to the site. These ‘cookies’ allow users to be recognised within a website so any page changes or item or data selection you perform is remembered from page to page. Not accepting these ‘cookies’ may impair your online experience when using the Clever Lending Website.
2. Website analytics
   These kinds of ‘cookies’ note which pages of the Clever Lending Website are visited by people who browse through the Website. This is particularly helpful, because it allows the ‘tracking’ of visitors to the site to see which pages are visited, as well as log any page errors a user might encounter. These ‘cookies’ do not collect any personal information that could identify any individual visitor to the Clever Lending Website. Not accepting these ‘cookies’ can mean you experience an inconsistent online experience whenever you use the Clever Lending Website.

Which ‘cookies’ does the Clever Lending Website use?

This is a list of the ‘cookies’ used by the Clever Lending Website, together with what each ‘cookie’ is used for:

• Clever Lending session cookies (PHPSESSID) are used to store details about submitted data, tracking data and identification of user’s session
• Google Analytics Cookies (__utma, __utmb, __utmc, __utmz, PREF, and NID) are used to help ensure the visitor has a consistent experience during their visit to the Clever Lending website

How to prevent the use of ‘cookies’

If you decide that you want to restrict or prevent the use of ‘cookies’ on all websites, then the actions you need to take will depend on the browser that you use to view web pages.

We recommend that you look at the About Cookies website, as this website can explain in clear, step-by-step terms how you can restrict or prevent ‘cookies’ depending on which browser you are using.

We do stress that ‘cookies’ will enhance your experience of the Clever Lending Website, and they pose no threat to your computer or confidentiality at all.