Cookie Policy
Last updated: 4 October 2024
This Cookie Policy explains how Optimised Factoring uses cookies and similar technologies on optimisedfactoring.co.uk. It should be read with our Privacy Policy above.
1) What are cookies?
Cookies are small text files placed on your device when you visit a website. They can be “session” cookies (deleted when you close your browser) or “persistent” cookies (stored until they expire or you delete them). Similar technologies include pixels, tags and local storage.
Under the UK Privacy and Electronic Communications Regulations (PECR), we must obtain your consent before placing non‑essential cookies (e.g., analytics/advertising). Essential cookies (strictly necessary for the site to function) do not require consent.
2) How we use cookies
We use cookies to:
- Make the site work (e.g., load balancing, security, form submission).
- Remember your cookie preferences.
- Measure site performance and improve content and user experience (analytics).
- Run limited B2B marketing/remarketing where you have consented.
- On your first visit, our banner asks you to Accept all, Reject non‑essential, or Manage preferences (granular toggles for Analytics and Marketing).
- You can change your choices at any time via Cookie Settings in the site footer.
- We do not pre‑tick optional categories. Refusing optional cookies will not affect essential site functions.
3) Managing your consent
- On your first visit, our banner asks you to Accept all, Reject non‑essential, or Manage preferences (granular toggles for Analytics and Marketing).
- You can change your choices at any time via Cookie Settings in the site footer.
- We do not pre‑tick optional categories. Refusing optional cookies will not affect essential site functions.
4) Cookies we may set
A) Essential (no consent required)
|
Cookie |
Provider |
Purpose |
Duration |
|
__cf_bm / __cfruid |
Cloudflare/HubSpot |
Bot management / traffic integrity |
30 minutes / session |
|
__hs_opt_out |
HubSpot |
Remembers that you opted out of non‑essential cookies |
13 months |
|
__hs_do_not_track |
HubSpot |
Prevents tracking if enabled |
13 months |
|
__hs_cookie_cat_pref |
HubSpot |
Saves consent category preferences |
13 months |
|
hs_ab_test |
HubSpot |
Ensures visitors consistently see the same variant during A/B tests |
Session |
|
hubspotapi-csrf |
HubSpot |
Security for form submissions |
Session |
B) Analytics (consent)
|
Cookie |
Provider |
Purpose |
Duration |
|
_ga |
Google Analytics 4 |
Distinguishes visitors |
2 years |
|
ga* |
Google Analytics 4 |
Session state for GA4 properties |
2 years |
|
__hstc |
HubSpot |
Visitor tracking (domain, timestamps, session count) |
13 months |
|
hubspotutk |
HubSpot |
Identifies visitor for forms |
13 months |
|
__hssc |
HubSpot |
Session tracking |
30 minutes |
|
__hssrc |
HubSpot |
Determines if the visitor has restarted the browser |
Session |
C) Marketing/Advertising (consent)
|
Cookie |
Provider |
Purpose |
Duration |
|
bcookie, lidc, li_gc, li_sugr |
|
Insight Tag / analytics & ads |
6–24 months |
|
_fbp |
Meta (optional) |
Advertising/analytics |
3 months |
5) Third‑party cookies
Third parties may set cookies when services are embedded (e.g., LinkedIn, YouTube). These providers have their own cookie policies and may change cookies they use at any time.
6) How to control cookies in your browser
You can block or delete cookies via your browser settings. Doing so may affect how websites function. Guidance is available at: AboutCookies.org or your browser’s help pages.
7) Changes to this policy
We may update this Cookie Policy periodically. Material changes will be highlighted on our website and reflected in the “Last updated” date above.
8) Contact
Questions about cookies? Email hello@optimisedfactoring.co.uk