Cookies Policy

Cookies Policy

FCL Consumer Finance Limited: Cookie Policy
Smart-Pig’s website, like many others, uses small files called cookies to help us customise your user experience. In our Cookie Policy we outline what cookies are, how we use them and how you can control them.

What are 'Cookies'?
‘Cookies’ are small text files that are stored by the browser (e.g. Google Chrome, Internet Explorer or Safari) on your computer, tablet, or mobile phone. Cookies perform important functions, like letting you navigate between pages efficiently, remembering your website preferences and generally improving your browsing experience.

You can find out more about cookies by visiting http://www.allaboutcookies.org/

Why Smart-Pig uses cookies?
Smart-Pig uses cookies to collect information to provide a better user experience for our customers. This includes using necessary cookies to help make our website usable by enabling basic functions like page navigation and access to secure areas of our website. Our website cannot function properly without these cookies. Cookies also to help us to understand how visitors interact with our website by collecting and reporting information anonymously. We also use cookies to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers.

• If you are based in the European Union and would like to learn more about how advertisers use these types of cookies or to choose not to receive them, please visit http://www.youronlinechoices.eu

• If you are based in the United States and would like to learn more, please visit http://www.aboutads.info/choices/

We also use or allow third parties to serve cookies that fall into the four categories below. For example, we use Google Analytics to help us monitor our website traffic. We may also enable third parties to serve cookies to help to identify fraudulent or robot traffic on some of our websites. We may also use third party cookies to help us with market research and improving site functionality.

What cookies Smart-Pig uses?

Necessary Cookie
These cookies are strictly necessary to provide you with services available on Smart-Pig's and to use some of its features, such as access to secure areas.
Description:
Session ID
Purpose:
This cookie is used for identifying a logged in user and preserves users states across page requests.

Statistic Cookie
These cookies collect information that is used to help Smart-Pig understand how our website is being used or how effective are marketing campaigns are, or to help us make changes based user behaviour.
Description:
Google Analytics
Purpose:
Used for the following reasons:
• Registers a unique ID that is used to generate statistical data on how the visitor uses the website.
• Used by Google Analytics to throttle request rate. Registers a unique ID that is used to generate statistical data on how the visitor uses the website.

Marketing Cookie
These cookies are used to make advertising messages more relevant to you. They perform functions like tracking visitors across devices and marketing channels, and in some cases selecting ads that are based on your interests.
Description:
Google Analytics
Purpose:
Used to send data to Google Analytics about the visitor's device and behaviour. Tracks the visitor across devices and marketing channels.

Description:
Bing.com
Purpose:
Used widely by Microsoft as a unique user ID. The cookie enables user tracking by synchronising the ID across many Microsoft domains.

Description:
Facebook
Purpose:
Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.

Description:
DoubleClick
Purpose:
Script cookie used for marketing and analytics purposes.

Description:
YouTube
Purpose:
Used for the following reasons:
• Registers a unique ID that is used by Google to keep statistics of how the visitor uses YouTube videos across different websites.
• Tries to estimate the users' bandwidth on pages with integrated YouTube videos. Registers a unique ID to keep statistics of what videos from YouTube the user has seen.

Performance & functionality Cookie
These cookies are used to enhance the performance and functionality of Smart-Pig's website but are not necessary. Please note, without these cookies, certain functionality like 'Live Chat' may become unavailable.
Description:
Intercom
Purpose:
This a script cookie and used to allow website users to use our online ‘chat’ facility.

How to remove cookies from my computer?
You can withdraw your consent to our use of cookies at any time.

You can:
• Delete existing cookies from your computer by clearing them from your browser history. This may be different depending on the internet browser you are using – you can find more instructions on how to do this on the ‘About Cookie’ website.
• Also amend your settings to control whether or not your internet browser accepts cookies. If you do reject the use of cookies, you must bear in mind that many websites rely on cookies to allow them to function properly and this may mean you're not able to use all the features you're used to.

Warning: Late repayment can cause you serious money problems. For help, go to: www.moneyadviceservice.org.uk
Your University may be able to offer financial support and advice.
Representative example: Loan £150 over 43 days. Interest rate 292% pa (fixed). Total amount payable £201.60. Representative 1130% APR.