Cookie Policy
Last updated: October 16, 2025
1. What Are Cookies?
Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners. Cookies help us understand how you use our website and improve your experience.
2. How We Use Cookies
DefaultMortgage.co.uk uses cookies and similar technologies for the following purposes:
- Essential Operation: To enable basic website functionality
- Performance: To understand how visitors use our website
- Functionality: To remember your preferences and settings
- Analytics: To analyze website traffic and improve our services
3. Types of Cookies We Use
3.1 Strictly Necessary Cookies
These cookies are essential for the website to function properly. They enable core functionality such as security, network management, and accessibility. You cannot opt-out of these cookies.
| Cookie Name | Purpose | Duration |
|---|---|---|
| cookie_consent | Stores your cookie preferences | 1 year |
| session_id | Maintains your session | Session |
3.2 Performance and Analytics Cookies
These cookies collect information about how visitors use our website, such as which pages are visited most often. This helps us improve the website and understand user behavior.
| Cookie Name | Purpose | Duration |
|---|---|---|
| _ga | Google Analytics - visitor tracking | 2 years |
| _ga_* | Google Analytics - session tracking | 2 years |
| _gid | Google Analytics - user identification | 24 hours |
3.3 Functionality Cookies
These cookies allow the website to remember choices you make (such as your preferred language or region) and provide enhanced, personalized features.
| Cookie Name | Purpose | Duration |
|---|---|---|
| theme_preference | Remembers your dark/light mode choice | 1 year |
4. Third-Party Cookies
We use services from third-party providers that may set cookies on your device:
Google Analytics
We use Google Analytics to understand how visitors interact with our website. Google Analytics uses cookies to collect information anonymously and report website trends. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
5. Managing Cookies
You have the right to decide whether to accept or reject cookies. You can manage your cookie preferences through:
5.1 Cookie Consent Banner
When you first visit our website, you'll see a cookie consent banner allowing you to choose which types of cookies to accept. You can change your preferences at any time by clicking the "Cookie Settings" link in the footer.
5.2 Browser Settings
Most web browsers allow you to control cookies through their settings. Here's how to manage cookies in popular browsers:
- Chrome: Cookie settings in Chrome
- Firefox: Cookie settings in Firefox
- Safari: Cookie settings in Safari
- Edge: Cookie settings in Edge
Note: Disabling certain cookies may limit your ability to use some features of our website. Strictly necessary cookies cannot be disabled as they are essential for the website to function.
6. Do Not Track Signals
Some browsers have a "Do Not Track" feature that lets you tell websites you don't want your online activities tracked. Currently, there is no industry standard for recognizing Do Not Track signals, so our website does not respond to them.
7. Updates to This Policy
We may update this Cookie Policy from time to time to reflect changes in technology, legislation, or our practices. We will notify you of any significant changes by posting a notice on our website. Please check this page periodically for updates.
8. More Information
For more information about how we handle your data, please read our Privacy Policy.
If you have questions about our use of cookies, please contact us:
Information Only - Not Financial Advice
This website provides guidance only. Always consult an FCA-regulated mortgage advisor before making decisions.