Cookie Policy | R3 Mortgages
Residential & Commercial Finance Specialists

Cookie Policy

Cookies are used on our site to ensure that we give you the best experience on our website. If you continue without changing your settings, we’ll assume that you are happy to receive all cookies on our website.
Some cookies are essential so you can move around the website and use its features. Without these cookies, some services you’ve asked for can’t be provided. These cookies don’t gather information about you that could be used for marketing or remembering where you’ve been on the internet.

What are cookies and how do they work?

Cookies are small bits of text that are downloaded to your computer or mobile device when you visit a website. Your browser sends these cookies back to the website every time you visit the site again, so it can recognise you and can then tailor what you see on the screen.

Some of the cookies we use

Certain cookies are necessary in order for you to use our websites. These are used ‘in-session’ each time you visit and then expire when you leave the site. They’re not stored on your computer and they don’t contain any personal data. However, you can delete them via your browser if you wish to, but this will restrict the functions that you’re able to carry out on our sites.

Session cookies

These enable you to carry out some essential functions on our sites, such as maintaining log in details for the session or a transaction. They also help by minimising the need to transfer information across the internet. They are not stored on your computer and they expire when you terminate your browser session or logout of certain areas.

Secure cookie

A secure cookie is only used when a browser is visiting a server via HTTPS, ensuring that the cookie is always encrypted when transmitting from client to server. This makes the cookie less likely to be exposed to cookie theft via eavesdropping.

Persistent cookies

These are used to persist a user’s preference across e.g. setting items such as the open status of the carousel, and remain until the expiry date and time set by the web server (or otherwise manually deleted by the user).

Analytics

We like to keep track of what pages and links are popular and which ones don’t get used so much to help us keep our sites relevant and up to date. It’s also very useful to be able to identify trends of how people navigate (find their way through) our sites and help us provide a more friendly solution.

Third-party cookie

Google Analytics tracking (and most web tracking software) uses cookies in order to provide meaningful reports about site visitors. However, Google Analytics cookies do not collect personal data about website visitors.

Managing your cookies

You’ll find more information about cookies at www.allaboutcookies.org, which gives details on how to delete cookies from your computer. For information on how to do this on your mobile phone browser, please see your handset manual.

Information about our use of cookies

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. By continuing to browse the site, you are agreeing to our use of cookies.

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer’s hard drive.

We use the following cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use a shopping cart or make use of e-billing services.
Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies

We may also use analytics tools provided by Google, Inc. (“Google”) or other similar providers. Analytics tools serve cookies through our products or website and collects aggregated data on an anonymized basis about users and visitors’ use of the product or website. The data collected enables us to understand aggregated user or visitor activity and how we may improve our product or website offering. This data is collected and used on an anonymized, aggregated basis only and does not enable any user or visitor to be personally identified.

We have implemented Remarketing through Google Analytics, Google Adwords and Facebook. These and other third party vendors may use cookies, web beacons, and other storage technologies to collect or receive information from our website and elsewhere on the internet and use that information to provide measurement services and target ads.

In addition, we may also use marketing automation tools (specific Company information can be given upon request). These companies serve cookies to profile users or visitors’ interests and activity. We use data collected through these cookies to serve users or visitors with information, new articles and advertising tailored to their specific needs and requirements. This data is collected on an anonymized basis, except where users or visitors have previously registered to receive marketing communications from us or subsequently choose to do so. Where this is the case, cookies set may enable us to identify the user or visitor. Where visitors have registered to receive marketing communications from us, we use the tools provided by these companies to send targeted e-mail marketing and track the effectiveness of our e-mail campaigns including through the use of clear gif images.

You have the right to refuse or disable cookies served through our products or website although, if you choose to do so, certain functionality may become unavailable to you. As the means by which you may do this vary from browser to browser, we recommend that you visit your browser’s help menu for further information.

Users can opt-out of the collection and use of information for ad targeting:

Opt out from Facebook Ads – http://www.aboutads.info/choices and http://www.youronlinechoices.eu/)

Opting out of Google ads http://www.google.com/settings/ads

Opt out of Google Analytics tracking https://tools.google.com/dlpage/gaoptout/

Opt out of Hotjar website tracking https://www.hotjar.com/opt-out

Opt out of Jaco website tracking https://www.getjaco.com/privacy.html

Our email and promotional communications may also include “Clear Image” gifs to track results of an email campaign. To turn off gifs you can do so in the email itself, or visit your email client’s help menu.

We respect your right to choose whether or not to accept cookies and clear gifs.

You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

January 2017