Privacy

Cookie Preferences.

Choose which cookies we set on your device when you use this website. You can change your choices at any time, your settings are remembered for one year.

Last updated April 2026 Governed by PECR and UK GDPR

1. Manage your preferences

Use the toggles below to choose which categories of cookies we set. Essential cookies cannot be turned off because the site relies on them to function. All other categories are off by default until you actively switch them on.

Essential cookies

Always on · Strictly necessary

Required for the website to work. They enable secure form submission, remember whether you've accepted these preferences, protect against fraudulent activity. Without them the site cannot function correctly.

Examples PHP session cookie · CSRF token · Cookie consent record · Load-balancer routing

Functional cookies

Convenience · Optional

Remember choices you make to make the site easier to use. For example, the loan amount you last selected on the calculator, or whether you've dismissed a banner. Disabling these has no effect on whether the site works, but you may have to re-enter information you've previously provided.

Examples Calculator state · Recently viewed loan products · Dismissed notification banners

Analytics cookies

Measurement · Optional

Help us understand how visitors use the site so we can improve it. They tell us which pages people visit, how long they stay, where they come from. The data is aggregated and we cannot use it to identify you personally.

Examples Google Analytics · Microsoft Clarity · Hotjar (anonymous heatmaps)

Marketing cookies

Advertising · Optional

Allow advertising networks to show you Swift Money adverts on other websites you visit, measure whether those adverts lead to applications. They also allow us to limit how often you see the same advert. They identify your browser, not you personally.

Examples Google Ads conversion tracking · Meta Pixel · Microsoft Advertising

Social media cookies

Sharing · Optional

Set by social networks if you choose to share content from this site, follow our profiles. They are controlled by the social network, not by us, are subject to that network's own privacy policy. We do not embed social media content unless you have enabled this category.

Examples LinkedIn share button · X (Twitter) embedded content · YouTube video embeds

2. What cookies are

Cookies are small text files that a website places on your device when you visit. The next time you visit, the site can read those files to remember information about your previous visit. Most websites use them.

Cookies fall into two technical categories:

  • Session cookies. Deleted automatically when you close your browser. Usually used for things like keeping you signed in during a single visit.
  • Persistent cookies. Stay on your device for a set period (anything from minutes to years). Used to remember preferences across visits.

Other technologies (web beacons, local storage, pixel tags, similar) work like cookies. Throughout this policy "cookies" refers to all such technologies.

4. Cookies we use

The categories above describe the purposes for which we use cookies. The specific cookies set within each category may change as we add or remove tools. We update this list at least once every twelve months, sooner if a significant change is made.

If you'd like a complete list of every cookie set during a visit, the easiest way to see it is in your browser's developer tools (look for "Storage" or "Cookies" in the inspector). If you'd prefer we send you a list, please contact us using the details in section 9.

5. Third-party cookies

Some cookies on this site are set by third parties whose services we use. The most common third parties are:

  • Google: analytics, advertising, conversion tracking
  • Microsoft: Bing/Microsoft Advertising, Clarity behaviour analytics
  • Meta (Facebook): advertising and conversion tracking

These third parties have their own privacy policies and use the data they collect for their own purposes (typically including advertising on their own platforms). We choose providers carefully, prefer those who offer regional data residency in the UK or EU. Third-party cookies are only set if you have opted in to the relevant category.

6. Browser controls

Most modern browsers let you block or delete cookies directly. The exact steps depend on your browser:

Blocking cookies through your browser overrides the preferences you set on this page. If you block essential cookies, parts of the site will not work.

7. Do not track

Some browsers send a "Do Not Track" header that asks websites not to track you across sites. There is no agreed standard for how websites should respond to this signal, so we do not currently change behaviour based on it. The cookie preferences you set on this page take precedence over the DNT header.

Newer browsers (and the EU "Global Privacy Control" specification) are working towards a standard that we may adopt in future. If we do, we will update this policy.

8. Changes to this policy

We may update this cookie policy from time to time, for example to reflect changes in law or in the tools we use. The "last updated" date at the top of this page tells you when we last revised it.

If we make a material change, we will ask you for fresh consent the next time you visit. Minor changes (a new cookie added to an existing category, an updated link) do not trigger a new consent request.

9. Questions or complaints

If you have any questions about how we use cookies, please contact our Data Protection lead:

If you are not satisfied with our response, you have the right to complain to the Information Commissioner's Office. The ICO is the UK's independent regulator for data protection, electronic communications, freedom of information.

Related

For broader information about how we collect and use personal data, please read our Privacy Policy. For the terms governing your use of this site, see our Terms and Conditions.