Cookie Policy

Updated:

We are delighted that you have chosen to visit our website. We take our data protection responsibilities with the utmost seriousness and we have designed our website so that you may navigate and use our website without having to provide Personal Data, subject only to certain data that may be collected via the use of cookies.

This Policy sets out how our website uses cookies and similar technologies on our website and the purposes for which we do so.

In this Policy, “we”, “us” and “our” refers to LoanXP.com.au. For more information about us, see the ‘11. Our details’ section of our Privacy Policy. The terms “you” and “your” includes our customers/clients, business partners and users of this website.

As described in our Privacy Policy, For general web-browsing of this website, your personal data is not revealed to us, although certain statistical information is available to us via our internet service provider as well as through the use of special tracking technologies. Such information tells us about the pages you are clicking on or the hardware you are using, but not your name, age, address or anything we can use to identify you personally.

By using our website, you consent to storage and access to cookies and other technologies on your device, in accordance with this Cookie Policy. If you do not agree to this, you can update the preferences on your web browsing software and/or your web browsing device in order to block or remove cookies, but please note that doing so may affect the manner in which this website and other websites display on your device(s), as well as certain functionalities of such websites.

1. What are cookies

Cookies are a feature of web browser software that allows web servers to recognize the computer or device used to access a website. A cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don’t have to keep re-entering them whenever you come back to the site or browse from one page to another. What are the different types of cookies? A cookie can be classified by its lifespan and the domain to which it belongs.

By lifespan, a cookie is either a:

As for the domain to which it belongs, cookies are either:

2. What cookies do we use

We do not use cookies set by ourselves via our web developers (first-party cookies). We only have those set by others (third-party cookies). Cookies are also sometimes classified by reference to their purpose. We use the following cookies for the following purposes:

Analytical/performance cookies
They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it, as well as dates and times they visit. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

Targeting cookies
These cookies record your visit to our website, the pages you have visited and the links you have followed, as well as time spent on our website, and the websites visited just before and just after our website. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

Other technologies
In general, we use cookies and other technologies (such as web server logs) on our website to enhance your experience and to collect information about how our website is used. This information is put together (‘aggregated’) and provides general and not individually specific information. None of this information is therefore associated with you as an individual and the cookie-related information is not used to identify you personally. It is therefore anonymized and ‘de-identified’. The pattern data is fully under our control and these cookies are not used for any purpose other than those described here.

Pixels tags
Pixel tags (which are also called clear GIFs, web beacons, or pixels) are small pieces of code that can be embedded on websites and emails. Pixels tags may be used to learn how you interact with our website pages and emails, and this information helps us, and our partners provide you with a more tailored experience.

Device Identifiers
A device identifier is a unique label can be used to identify a mobile device. Device identifiers may be used to track, analyse and improve the performance of the website and ads delivered.

Third party services
We may allow others to provide analytics services and serve advertisements on our behalf. In addition to the uses of cookies described above, these entities may use other methods, such as the technologies described below, to collect information about your use of our website and other websites and online services.

We may also use other services, such as Google Analytics (described below) or other third-party cookies, to assist with analysing performance on our website.

3. What data are collected and why do we do it?

We, as well as third parties (as part of providing their services to us) may use cookies and the technologies described in this Cookie Policy to collect and store information about your device, such as:

We will retain and evaluate information on your recent visits to our website and how you move around different sections of our website for analytics purposes to understand how people use our website so that we can make it more intuitive. The information also helps us to understand which parts of this website are most popular and generally to assess user behaviour and characteristics to measure interest in and use of the various areas of our website. This then allows us to improve our website and the way we market our business.

This information may also be used to help us to improve, administer and diagnose problems with our server and website. The information also helps us monitor traffic on our website so that we can manage our website’s capacity and efficiency.

Generally, this website also uses cookies to:

We may also wish to work with advertisers, and advertising service providers to serve ads that may be relevant to you based on your inferred interests, location or other information collected about you, which may use cookies or the technologies described below, placed by us or the third party (although we would not share any other information that identifies you with an advertiser) on our website, or on a third party website or online service. The placing of these technologies on your device may enable you to be identified across multiple websites and online services

4. Google Analytics

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”).

We use Google Analytics to track your preferences and also to identify popular sections of our website. Use of Google Analytics in this way, enables us to adapt the content of our website more specifically to your needs and thereby improve what we can offer to you.

Google will use this information for the purpose of evaluating your use of our website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. In particular Google Analytics tells us:

As stated above, cookie-related information is not used to identify you personally, and what is compiled is only aggregate data that tells us, for example, what countries we are most popular in, but not that you live in a particular country or your precise location when you visited our website (this is because we have only half the information- we know the country the person is browsing from, but not the name of person who is browsing). In such an example Google will analyse the number of users for us, but the relevant cookies do not reveal their identities.

By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. Google Analytics, its purpose and function is further explained on the Google Analytics website.

For more information about Google Analytics cookies, please see Google’s help pages and privacy policy: Google’s Privacy Policy and Google Analytics Help pages. For further information about the use of these cookies by Google click here.

5. What if you do not agree to us monitoring your use of our website (even we do not collect your personal data)?

Enabling these cookies is not strictly necessary for our website to work but it will provide you with a better browsing experience. You can delete or block the cookies we set, but if you do that, some features of this website may not work as intended.

Most browsers are initially set to accept cookies. If you prefer, you can set your browser to refuse cookies and control and/or delete cookies as you wish – for details, see aboutcookies.org. You can delete all cookies that are already on your device and you can set most browsers to prevent them from being placed. You should be aware that if you do this, you may have to manually adjust some preferences every time you visit an Internet site and some services and functionalities may not work if you do not accept the cookies they send.

Advertisers and business partners that you access on or through our website may also send you cookies. We do not control any cookies outside of our website.

If you have any further questions regarding disabling cookies you should consult with your preferred browser’s provider or manufacturer.

In order to implement your objection it may be necessary to install an opt-out cookie on your browser. This cookie will only indicate that you have opted out. It is important to note, that for technical reasons, the opt-out cookie will only affect the browser from which you actively object from. If you delete the cookies in your browser or use a different end device or browser, you will need to opt out again.

To opt out of being tracked by Google Analytics across all websites, Google have developed the Google Analytics opt-out browser add-on. If you would like to opt out of Google Analytics, you have the option of downloading and installing this browser add-on which can be found under the link: http://tools.google.com/dlpage/gaoptout.

6. Revisions to this Cookie Policy

From time to time, we may make changes to our privacy practices, including our Privacy Policy and this Cookie Policy. Where we do so, we will notify those who have a business relationship with us or who are subscribed to our emailing lists directly of the changes, and change the ‘Last Updated’ dates on such policies. Any amended policy will be effective immediately after the date it is posted. We encourage you to review this Cookie Policy whenever you access or use our website to stay informed about our information practices and the choices available to you. If you do not agree to the revised Privacy and/or Cookie Policy, you should discontinue your use of this website. By continuing to access or use our website after the effective date, you confirm your acceptance of the revised policy and all of the terms incorporated therein by reference.

If you do not accept changes which are made to this Cookie Policy, or take any measures described above to opt-out by removing or rejecting cookies, you may continue to use this website but accept that it may not display and/or function as intended by us. Any social media channels connected to us and third party applications will be subject to the privacy and cookie policies and practices of the relevant platform providers which, unless otherwise indicated, are not affiliated or associated with us. Your exercise of any rights to opt-out may also impact how our information and content is displayed and/or accessible to you on this website and on other websites.