Cookie Policy
The way we track information about people who visit our site is by using cookies. This information includes your IP address, operating system and browser type, in order for us to learn aggregate information. This is never used to identify any individual. It also allows us to present you with a consistent experience with our website, and also to use web analytic tools to see how our sites are used in order to improve them.
What is a cookie?
A cookie is a small data file which are created when you visit any website. They are stored in the cookies directory on the computer/device you are using. They are NOT used to access your computer or device, but access is required to drop the cookie. Cookies can be set to last for a certain amount of time, this can be anything from a few minutes or several years
How we use cookies
Some Cookies are used by websites, to enhance or improve your browsing experience. These ‘essential’ cookies are responsible for remembering that you are logged in or have taken certain actions during you visit. These cookies are referred to as essential because without them, the site or web page would not function as we intended and make it impossible to provide our service to the standard expected. Other ‘non-essential’ cookies which cannot directly identify individuals visiting our websites are used for marketing purposes. If you agree, these cookies allow us to advertise our service and products to you on this, and other websites and apps.
Web Beacons
These are like cookies and they help improve your online experience. They help us to track the usage of our site, give us statistics and help us identify errors or problems.
Third Party Cookies
These cookies are placed on your device (with your consent) which relate to a ‘third party’ website. These are usually social media, advertising or analytics providers. You can find a full list of cookies we use on our site below. Along with steps to opt-out of these cookies.
Cookies on our website may be also set by us, third parties we're working with, or independent third parties, such as advertisers.
Analytics Cookies
We use these non-essential, analytical cookies to understand how users interact with our web pages and services while on our Site. This data is used to measure how many users visit each page, and what options they click on. We use Google Analytics to analyse the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. We also ensure that all IP addresses are anonymized and are not collected by Google.
Google's privacy policy is available at: https://www.google.com/policies/privacy
Amplitude – Amplitude is an analytics platform that analyses user behaviour on our websites. Cookies are used to measure how customers navigate and interact with our websites.
You can find more info at https://amplitude.com/privacy
Convert – Convert is an experimentation testing platform that allows us to test variants of web pages and see how they perform. Cookies are used to ensure customers are presented with a consistent user experience during these tests.
You can find out more info at https://www.convert.com/privacy/
Advertising
We may also use third party cookies for behavioural advertising, sometimes referred to as remarketing. If you agree to these, they allow us to show you relevant products that we think may be of interest to you based on your browsing behaviour and history. This is why you see adverts for websites you have visited recently on other apps or websites.
You can choose to opt-out of all non-essential cookies. How you can do this is explained in the next section of this policy.
Managing Cookies
You can disable, delete, or block cookies at any time you choose on your device. You have full control over all cookies on your device. The responsibility of your control lies with the browser software you use to access the internet. They each have their own way on allowing you access to these settings and depending on which browser you choose will depend on how you can control them.
We have provided links to the most popular browsers cookie management pages below:
To find information relating to other browsers, visit the browser developer's website.
Below is a list of cookies that we use on our website
Essential Cookies
|
Name |
Expires |
Essential Reason |
|---|---|---|
|
creditec-id |
1 year |
Identifies session (Time of visit, login). Logs route in: EG google search, link from another site – (Analytics) Stores non-essential cookie consent |
|
__exponea_etc__ |
7 days - 3 years (depends on browser) |
Manages use of data for analytics Consent for other cookies to be added. |
|
xnpe_[project-token] |
3 years |
|
|
__exponea_time2__ |
3 years |
|
|
__exponea_ab_[ABTestName]__ |
7 days - 3 years (depends on browser) |
|
|
_exponea_ |
2 years |
|
|
_fontstore_key |
Session |
` |
Marketing Cookies
|
Third Party |
Cookie Name |
Expiry |
|---|---|---|
|
Microsoft Advertising |
mui(x), _uet(x), MUID, MUIDB, ANON, NAP, SRCHD, SRCHUID, SRCHUSR |
13 months from set |
|
_uetvid |
16 days |
|
|
_uetsid |
1 day |
|
|
Google Ads |
_gcl_aw, _gcl_au |
End of calendar year from set |
|
Google Double Click |
DSID |
14 days |
|
|
IDE |
2 years |
|
|
_gfp_64b |
2.5 years |
|
|
cto_Iwid |
8 months |
|
|
presence |
End of browser session |
|
|
fr |
End of calendar year from set |
|
|
act |
End of browser session |
|
|
xs |
End of calendar year from set |
|
|
datr |
13 months from set |
|
|
c_user |
End of calendar year from set |
|
|
wd |
7 days |
|
|
c_user |
End of calendar year from set |
|
|
sb |
13 months from set |
|
|
_fbp |
End of calendar year from set |
Analytics Cookies
|
Third Party |
Cookie Name |
Expiry |
|---|---|---|
|
Google Analytics |
_ga |
2 years |
|
|
_gat |
1 minute |
|
|
_gid |
24 hours |
|
|
AMP_TOKEN |
30 seconds to 1 year |
|
|
_gac_<property-id> |
90 days |
|
|
__utma |
2 years from set/update |
|
|
__utmt |
10 minutes |
|
|
__utmb |
30 minutes from set/update |
|
|
__utmc |
Until you close your browser |
|
|
__utmz |
6 months from set/update |
|
|
__utmv |
2 years from set/update |
|
|
_dc_gtm_UA |
24 hours |
|
|
_gat_UA-(x) |
Session |
|
Google Optimize |
_gaexp |
90 days (or sooner dependent on test) |
|
|
_opt_awcid |
24 hours |
|
|
_opt_awmid |
24 hours |
|
|
_opt_awmid |
24 hours |
|
|
_opt_awgid |
24 hours |
|
|
_opt_awkid |
24 hours |
|
|
_opt_utmc |
24 hours |
|
Microsoft |
_clck, _clsk, CLID, ANONCHK, MR, MUID, SM |
13 months from set |
|
Amplitude |
AMP_<property_id>, AMP_MKTG_<property_id> |
1 year |
|
|
amplitude-event-pass |
End of browser session |
|
|
amplitude-event-block |
End of browser session |
|
Convert Experiences |
_conv_v |
6 months from last update time |
|
|
_conv_s |
20 minutes since last update (last browsing activity) |
|
|
_conv_r |
When another customer comes from the referrer |
|
|
_conv_sptest |
Until you close your browser |
Data Protection
You need to understand how your personal information will be used when you use this service to search for a credit product. Although full details are contained in this Privacy Policy, your attention is drawn to the following important points:
So that you can be matched with the right lender or broker on the panel, a soft search will be carried out on your credit file. To do this, your personal data in your application form will be shared with Equifax Limited who are a credit reference agency. Your application will then be shared with certain lenders and brokers on the panel who will also carry out a soft search to assess your eligibility for the product or service you are using this service to find. Soft searches do not affect your credit rating and are only visible to you and the firm that made them.
For more information about how Equifax, a credit reference agency may use your personal information, you can read the Credit Reference Agency Information Notice here or you can ask Equifax for a copy. You can also read Equifax’s privacy policy here.
In order that we can provide the best possible service to our customers, we will profile your personal data. This means that we will use your personal data to build a more informed picture of you so that we can stay in contact with you about our similar products and services from time to time (see section 7 of our privacy policy). You can object to this profiling at any time by contacting us
Realrates has introduced you to Creditec Limited to provide you with this information-only comparison service for loans and credit cards from a range of lenders. Creditec is acting as a credit broker, not a lender and will not charge you a fee for using their services.
If you have any questions or feedback about the service, please get in touch with Realrates using their Contact Us form.
Creditec receives commission from lenders or other brokers if a customer enters into a credit agreement with a lender or broker following an introduction through this website. Realrates will receive a share of the commission that Creditec earns. See Realrates's Terms and Conditions for more details.
Creditec Limited is acting as a credit broker, not a lender, we are authorised and regulated by the Financial Conduct Authority (FRN: 971164).
Creditec Limited is registered in England and Wales under company number 13700425 ; registered office: The Steam Mill Business Centre, Steam Mill Street, Chester, United Kingdom, CH3 5AN FRN. 971164. ICO registration number: ZB288703
Find out more about Creditec on our website, which also includes our Cookie Policy, Complaints Policy, Terms and Conditions, and Privacy Policy.