Effective March 2020
The mortgageholiday.co.uk website is produced and owned by Koodoo Financial Limited, trading as Koodoo.
1.4. If you want to use our website, but don’t want us to set cookies in your browser, you can disable or remove the cookies. You can find out how to do this in section 5 below. Please bear in mind that disabling or removing cookies may impact the performance of our website, and our ability to provide our full services to you.
1.5. We reserve the right to make changes to our Cookies Policy. Any changes we may make to our Cookies Policy in the future will be posted on this page and, when necessary, we may tell you about important policy changes via email. Please check back frequently to see whether there are any updates or changes to our Cookies Policy. If you continue to use our website, we will take that as your agreement to any of those changes.
2. About Cookies
2.1. Cookies are files containing small amounts of information which are downloaded to your device when you visit a website. Your web browser (like Google Chrome, Internet Explorer, Microsoft Edge, Firefox or Safari) then sends these cookies back to our website on each subsequent visit. Cookies do not contain any information that personally identifies you.
To recognise your device(s) when you visit our website;
To remember if you’ve set any preferences on our website;
To temporarily store data – for example, this may be used as part of customer surveys;
To test new content and assess its performance;
To track you as you use our website (we do this to track page usage, and see what paths have been used by visitors on our website; we also track the use of our Internet banner advertisements and other links from our marketing partners’ websites);
To improve our website’s usability;
To allow you to share pages with social networks such as LinkedIn, Facebook and Twitter, and to support social media components, like Facebook or Twitter (where our website uses a plugin from these third party platforms);
To make sure you don’t miss information that’s relevant to you (we target information to our users, such as website content, marketing campaigns, direct marketing emails, and Internet banner advertisements on our website and other websites);
To analyse use of our website (we do this for statistical analysis, sales and marketing research). To stop us setting these cookies you will need to set up your browser to reject all cookies (see more below).
2.3. We may also combine this web usage data with other information we have collected about you. We store this information so that we can have a better and more specific understanding of the way people are using our website, and their preferences and interests.
2.4. Cookies may be either “persistent” cookies or “session” cookies, depending on how long they are used.
2.5. Persistent cookies stay on your device after you have closed your browser, and allow a website to remember your actions and preferences. They are activated every time you visit the website where the cookie was generated. Sometimes persistent cookies are used by websites to provide targeted advertising based on your browsing history. They are stored by the browser and remain valid until their set expiry date (unless you delete the cookie before its expiry date).
2.6. Session cookies only last as long as you’re on the website, and they’re deleted when you close your browser. They help us keep track of things like how a particular device is navigating from page to page. This supports the website’s security or basic functionality.
2.7. Many of the cookies we use are session cookies. For example, they help us to ensure that your session is secure, and allow you to stay signed in or not have to retype information while you move between pages.
3. More about the cookies we use
3.1. Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are set by (or on behalf of) the website you’re visiting. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below.
3.2. Third party cookies: In some cases, third parties manage some of our cookies for us – but we never allow them to use the cookies for any purpose other than those listed above.
3.3. Strictly necessary cookies: These cookies are required for our website to operate. For example, they may include cookies that let you log into secure areas of our website.
3.4. Performance cookies: These cookies allow us to recognise and count the number of visitors to our site, and to see how they move around our website when they are using it. This helps us improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
3.5. Functionality cookies: These cookies are used to recognise you when you return to our website. This lets us personalise our content for you, greet you by name, and remember your preferences (for example, your choice of language or region).
3.6. Analytics cookies: In order to keep our products and services easy to use and up-to-date, we use web analytics services to help us understand how people use our website. For example, we can see which parts of our services are most popular, identify when errors occur, and test different versions of a feature to see which one works best. These web analytics services may be designed and operated by other companies on our behalf. They do this using small invisible images known as “web beacons” or “tracking pixels” that may be included in the digital products and services on our website. For example, these may be used to count the number of times something has been seen. The web beacons are anonymous and do not contain or collect any information that identifies you.
3.7. Targeting cookies: These cookies record your visit to our website, the pages you have visited, and the links you have followed. We use this information to make what you see more relevant to your interests: from pages on our website to advertising you may be interested in. We may also share this information with third parties for this purpose. We use retargeting and online behavioural advertising to market our services – this kind of advertising uses targeting cookies to deliver you more targeted advertising.
3.8. By using our website, you agree that we can place the above types of cookies on your device.
4. Third Party cookies we use
Below is a full list of the third party cookies we use, together with a description of what they are used for, and whether they are first or third party cookies. For information about third party cookies, please visit the providers’ website.
Google Analytics and Google Tag Manager (Persistent)
These are third party cookies used to track visitors, and collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. No personally identifiable information is stored. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the website from, and the pages they visited.
Google Optimize (Session)
This third party cookie allows us to test pages so that we can improve the usability of our site.
5. Turning off cookies
5.1. In most browsers, you can choose to reject cookies and/or turn off tracking features, and we provide instructions on how to do this below. However, please note that by doing so, parts of our website may no longer function expected. For example, if you delete cookies, any preferences they record will be lost. This includes, for example, where you have opted out from cookies, as this requires an opt-out cookie to be set.
5.2. If you’re mainly concerned about third party cookies, then we recommend you just reject those cookies, rather than all cookies. That way, we can still provide you with the functionality you expect.
5.3. If you do wish to stop your browser from accepting cookies, please visit the website of the company that produced your browser, and check their Help or FAQ pages.
6. Contact us
If you have any questions about our cookies or this Cookies Policy, please contact us.
Email us at: firstname.lastname@example.org
Or write to us at:
Koodoo Financial Ltd
1 Hammersmith Broadway
7. Further reading
Information on the ICO cookie guide can be found on the ICO website (www.ico.org.uk)
Brought to you by the team at Koodoo
1 Hammersmith Broadway
Mortgage Holiday and Koodoo are trading styles of Mortgage Power Limited, which is registered in England and Wales with company number 10978680, and authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 845978). You can check the Financial Services Register here.
Mortgage Power Ltd is a subsidiary of Koodoo Financial Ltd, which is registered in England and Wales with company number 11822219, and has an ICO registration number of ZA560572. You can check the ICO Register here