Cookies Policy

Cookies Policy

This website https://www.creditcounsellor.co.uk/ (“Our Site”) uses Cookies and similar technologies in order to distinguish you from other users. By using Cookies, We are able to provide you with a better experience and to improve Our Site by better understanding how you use it. Please read this Cookie Policy carefully and ensure that you understand it. Your acceptance of Our Cookie Policy is deemed to occur if you continue using Our Site. If you do not agree to Our Cookie Policy, please stop using Our Site immediately.

Definitions and Interpretation
In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:
means credit counsellor LTD (website) is registered in England 

Cookie

means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site.
Cookie Law
means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 incorporated into UK law as the Data Protection and Privacy Electronic Communications (EU Exit) Regulations 2019.
personal data
means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined in the Data Protection and Privacy Electronic Communications (EU Exit) Regulations 2019, which incorporates the EU Regulation 2016/679 General Data Protection Regulation into UK law (“UK GDPR”).
We/Us/Our

https://www.creditcounsellor.co.uk/

EU

means the European Union.

UK

means the United Kingdom.
Information About Us

2.1 Our Site is owned and operated by us.
2.2 Our Data Protection Officer can be contacted by email at support@creditcounsellor.co.uk

2.3 credit counsellor Ltd is registered under the Data Protection Act [2018] with the Information Commissioner’s Office (the, “ICO”). ICO Fee Payer Registration Number: ******

How Does Our Site Use Cookies?

3.1 Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.

3.2 By using Our Site, you may also receive certain third party Cookies on your computer or device. Third party Cookies are those placed by websites, services, and/or parties other than Us. Third party Cookies are used on Our Site for analytical purposes only. For more details, please refer to section 4 below.
3.3 All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:

3.3.1 Strictly Necessary Cookies

A Cookie falls into this category if it is essential to the operation of Our Site, supporting functions such as logging in, your shopping basket, and payment transactions.

3.3.2 Analytics Cookies

It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.

3.3.3 Functionality Cookies

Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalisation and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category.

3.3.4 Targeting Cookies

It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.

3.3.5 Third Party Cookies

Third party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).

3.3.6 Persistent Cookies

Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.

3.3.7 Session Cookies

Any of the above types of Cookie may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.
3.4 For more details of the personal data that We collect and use, the measures we have in place to protect personal data, your legal rights, and our legal obligations, please refer to our Privacy Policy which can be found on Our Site.
3.5 For more specific details of the Cookies that We use, please refer to the tables below.

What Cookies Does Our Site Use?

4. 4.1 The following first party Cookies may be placed on your computer or device:

Name of Cookie

Purpose & Type

Strictly Necessary

None
None
None

4.2 Our Site uses third party Cookies such as analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
4.3 The analytics service(s) used by Our Site use(s) analytics Cookies to gather the required information.
4.4 The analytics service(s) used by Our Site use(s) the following analytics Cookies:  

Name of Cookie

Purpose & Type

Provider

Strictly Necessary
Life Span
_fbp
This cookie is set by Facebook to deliver advertisement when they are on Facebook or a digital platform powered by Facebook advertising after visiting this website.
Facebook
No
3 months
fr
The cookie is set by Facebook to show relevant advertisements to the users and measure and improve the advertisements. The cookie also tracks the behaviour of the user across the web on sites that have Facebook pixel or Facebook social plugin.
Facebook
No
3 months
test_cookie
This cookie is set by doubleclick.net. The purpose of the cookie is to determine if the user’s browser supports cookies.
DoubleClick
No
15 minutes
IDE
Used by Google DoubleClick and stores information about how the user uses the website and any other advertisement before visiting the website. This is used to present users with ads that are relevant to them according to the user profile.
DoubleClick
No
1 year 24 days
_ga
This cookie is installed by Google Analytics. The cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site’s analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.
Google Analytics
No
2 years
_gid
This cookie is installed by Google Analytics. The cookie is used to store information of how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visited in an anonymous form.
Google Analytics
No
1 day
_gat_gtag_UA_180605445_1
This cookie is set by Google and is used to distinguish users.
Google Analytics
No
1 minute
_hjFirstSeen _hjTLDTest
This is set by Hotjar to identify a new user’s first session. It stores a true/false value, indicating whether this was the first time Hotjar saw this user. It is used by Recording filters to identify new user sessions.
Hotjar Analytics
No
30 minutes
_hjid
This cookie is set by Hotjar. This cookie is set when the customer first lands on a page with the Hotjar script. It is used to persist the random user ID, unique to that site on the browser. This ensures that behaviour in subsequent visits to the same site will be attributed to the same user ID.
Hotjar Analytics
No
1 year
_hjIncludedInPageviewSample
This is set to count pageviews.
Hotjar Analytics
No
2 minutes
_hjAbsoluteSessionInProgress
This is set to identify user’s logged in session.
Hotjar Analytics
No
30 minutes
Consent and Control

5.1 Before Cookies are placed on your computer or device, you will be shown a pop-up message at the bottom of the page requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended.
5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
5.3 The links below provide instructions on how to control Cookies in all mainstream browsers:
5.3.1 Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB
5.3.2 Microsoft Internet Explorer: https://support.microsoft.com/en-us/kb/278835
5.3.3 Microsoft Edge: https://support.microsoft.com/en-gb/products/microsoft-edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist)
5.3.4 Safari (macOS): https://support.apple.com/kb/PH21411?viewlocale=en_GB&locale=en_GB
5.3.5 Safari (iOS): https://support.apple.com/en-gb/HT201265
5.3.6 Mozilla Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-Cookies-website-preferences
5.3.7 Android: https://support.google.com/chrome/answer/95647?co=GENIE.Platform%3DAndroid&hl=en (Please refer to your device’s documentation for manufacturers’ own browsers)

Changes to this Cookie Policy

6.1 We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
6.2 In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.

Further Information

7.1 If you would like to know more about how We use Cookies, please contact us at Support@creditcounsellor.co.uk.
Credit counsellor is a free to use website that provides information on Individual Voluntary Arrangements (IVA’s) and Debt Management Plans (DMP’s).
Credit counsellor does not provide advice but gives information on Individual Voluntary Arrangements. Upon completion of a fact find, should you be unsuitable for an IVA, you will be given the option of being referred to an FCA Regulated Firm for a full advice call where you would choose a debt solution best suited to your circumstances.
There is no obligation to proceed into any arrangement we recommend, and you can also use any other services of your choice.
Credit counsellor does not charge fees for the information provided which are obligation-free. Should you choose an IVA, there are fees for setting up and ongoing management. We may be paid a referral fee if you opt for a solution from one of our associates.