1. USE OF COOKIES BY THE LENDING STANDARDS BOARD LIMITED
1.1 Our website [www.lendingstandardsboard.org.uk] (“Site”) uses cookies. A cookie is a small file of letters and numbers put on your computer or the device that you use to access our Site. Cookies have many uses, for example to distinguish you from other users of the Site which helps us to provide you with a good experience when you browse the Site and allows us to improve the Site.
1.2 Some cookies are necessary for our Site to work and others remember things about you to give you a better, more enjoyable online experience. They may also help us to create content, advertise our products and services, and personalise our offers to you.
1.3 Below you will find more details about what each type of cookie set by our Site is and what it does. You will also see us talk about whether a cookie is first party or third party, and if it is a session or persistent cookie. First party cookies are created directly by our website, whilst third party cookies are created by other organisations, and are typically used for tracking and advertising across different websites. Session cookies are temporary and will be deleted when you close your browser. Persistent cookies are saved within your browser and are only deleted if you clear your browsing data yourself or if they reach their expiry date.
2. Consenting to cookies
2.1 When you first visit our Site, you are given a choice whether some of your cookie settings are turned on or off. These settings will then be remembered for future visits to our Site, though if you have cleared out cookies in your browser you will be asked to consent to cookies again when you next visit our Site.
2.2 If you ever want to change those cookie settings at any time, all you need to do is click this link Manage consent to update them. Whatever settings you choose, necessary cookies will stay on. Turning some cookies off might affect your browsing experience, so to avoid that we would suggest consenting to all cookies and making sure that all cookies are enabled in your browser settings.
2.3 When you visit the Site and consent to cookies, the cookies with the functions set out below may be downloaded to and set on your device. At the current time we only set necessary cookies and analytical cookies from our Site, but this may change in the future.
2.3.1 Necessary Cookies
These are cookies that are required for the administration and operation of the Site. Some cookies that we use are necessary for the Site to function properly and to enable you to move around the Site and use its features.
2.3.2 Functional Cookies
We may use functional cookies that allow us to remember choices you have made on the Site to provide you with a more enhanced user experience by delivering content specific to your interests. We may also use cookies to embed certain social posts on the Site.
2.3.4 Analytical Cookies (Visit Tracking)
We may use third party analytics service providers for website traffic analysis and reporting. Third party analytics service providers generate statistical and other information about the use of the Site by using third party cookies. They allow us to recognise and count the number of visitors and to see how often visitors return to the Site, how long they stay and how visitors move around the Site when they are using it. This helps us to improve the Site, for example, it helps users to find what they are looking for easily. The information generated relating to the Site may be used to create reports about the use of the Site and the third-party analytics service provider will store this information.
2.4 Do we use any third-party cookies?
2.4.1 The following third parties may set cookies from our Site:
2.4.2 We use Google Analytics on our Site, which helps us measure how users interact with our website content. As a user navigates between web pages on our Site, Google Analytics uses JavaScript tags (libraries) to record information about the page a user has seen, for example the URL of the page. The Google Analytics JavaScript libraries use HTTP cookies to “remember” what a user has done on previous pages / interactions with our Site. Google Analytics supports the JavaScript libraries (tags) (gtag.js and analytics.js) for measuring website usage and each gtag.js and analytics.js uses cookies for Universal Analytics For Universal Analytics, the analytics.js JavaScript library or the gtag.js JavaScript library uses cookies to:
- Distinguish unique users
- Throttle the request rate
The gtag.js and analytics.js cookies we use are set out in the table below in section 3. More details about Google Analytics cookies and privacy can be found at https://policies.google.com/technologies/cookies?hl=en-US.
2.4.3 Other sites and services (including, for example, advertising networks, providers of external services like web traffic analysis services, search engines and content recommendation engines) may also use cookies, over which we have no control. These cookies are likely to be analytical cookies or marketing cookies.
3. COOKIES WE USE
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:
| Cookie | Type | Description | Duration |
| _grecaptch | Necessary | This cookie is used to distinguish between humans and bots. This is beneficial for the Site, in order to make valid reports on the use of the Site. | Persistent |
| _GRECAPTCHA | Necessary | This cookie is used to distinguish between humans and bots. This is beneficial for the Site, in order to make valid reports on the use of the Site. | 179 days |
| cookielawinfo-checkbox-analytics | Necessary | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category ‘Analytics’. | 11 months |
| cookielawinfo-checkbox-functional | Necessary | This cookie is set by the GDPR Cookie Consent plugin to record the user consent for the cookies in the category ‘Functional’. | 11 months |
| cookielawinfo-checkbox-necessary | Necessary | This cookie is set by the GDPR Consent plugin. The cookie is used to store the user consent for the cookies in the category ‘Necessary’. | 11 months |
| cookielawinfo-checkbox-others | Necessary | This cookie is set by the GDPR Consent plugin. The cookie is used to store the user consent for the cookies in the category ‘Other’. | 11 months |
| cookielawinfo-checkbox-performance | Necessary | This cookie is set by the GDPR Consent plugin. The cookie is used to store the user consent for the cookies in the category ‘Performance’. | 11 months |
| viewed_cookie_policy | Necessary | This cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not a user has consent to the use of cookies. It does not store any personal data. | 11 months |
| _ga | Analytical | This cookie is installed by Google Analytics. It calculates visitor, session and campaign data and keeps track of site usage for the Site’s analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors. | 2 years |
| _gid | Analytical | This cookie is installed by Google Analytics. It stores information on how visitors use a website, while also creating an analytics report of the Site’s performance. Some of the data collected includes the number of visitors, their source, and the pages they visit anonymously. | 1 day |
| _gat | Analytical | This cookie is installed by Google Analytics and is used to throttle the request rate. | 1 day |
4. OTHER WAYS TO MANAGE YOUR COOKIES
4.1 You can 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 necessary cookies) you may not be able to access or use all or parts of our Site.
4.2 To find out more about cookies, including how to see what cookies have been set and how to manage and delete them from your device, visit www.aboutcookies.org or www.allaboutcookies.org.