Cookie Policy
Effective date: 1 March 2026
1. What Are Cookies?
Cookies are small text files placed on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used to make websites work more efficiently, provide a better user experience, and supply information to the website operators.
This Cookie Policy explains what cookies the Creditify website uses, why we use them, and how you can manage your preferences. Creditify is a trading name of U Finance Limited (Company No. 17086752).
2. How We Use Cookies
We use cookies for the following purposes:
- To ensure our website functions correctly (essential cookies)
- To understand how visitors use our website so we can improve it (analytics cookies)
- To deliver relevant advertising and measure the effectiveness of our marketing campaigns (marketing cookies)
- To remember your preferences and settings (functional cookies)
3. Types of Cookies We Use
3.1 Strictly Necessary Cookies
These cookies are essential for the operation of our website. They enable core functionality such as page navigation, secure areas, and form submissions. The website cannot function properly without these cookies, and they cannot be disabled.
| Cookie | Purpose | Duration |
|---|---|---|
| cookie_consent | Stores your cookie consent preferences | 12 months |
| session_id | Maintains your session whilst browsing the website | Session |
| csrf_token | Prevents cross-site request forgery for form security | Session |
3.2 Analytics Cookies
These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. This data helps us improve the website structure and content.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| _ga | Google Analytics | Distinguishes unique visitors by assigning a randomly generated number | 2 years |
| _ga_* | Google Analytics | Used to persist session state | 2 years |
| _gid | Google Analytics | Distinguishes unique visitors | 24 hours |
| _gat | Google Analytics | Throttles request rate to limit data collection | 1 minute |
3.3 Marketing Cookies
Marketing cookies are used to track visitors across websites. They are used to display advertisements that are relevant and engaging, and to measure the effectiveness of advertising campaigns.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| _fbp | Meta (Facebook) | Tracks visits across websites for targeted advertising | 3 months |
| _gcl_au | Google Ads | Stores conversion data for Google Ads campaigns | 3 months |
3.4 Functional Cookies
Functional cookies enable our website to remember choices you make (such as your preferred language or region) and provide enhanced, personalised features.
| Cookie | Purpose | Duration |
|---|---|---|
| user_preferences | Stores user interface preferences (e.g. theme, region) | 12 months |
4. Cookie Consent
When you first visit our website, a cookie consent banner will appear asking you to accept or customise your cookie preferences. Strictly necessary cookies are set by default and cannot be disabled, as they are essential for the website to function.
You can change your cookie preferences at any time by clicking the "Cookie Settings" link in the footer of our website. Your consent preferences are stored in the cookie_consent cookie.
5. Third-Party Cookies
Some cookies on our website are set by third-party services. We use the following third-party providers:
- Google Analytics (Google LLC): web analytics service that tracks and reports website traffic. Google may transfer data outside the UK; appropriate safeguards are in place. Google Privacy Policy
- Meta (Facebook): used for measuring the effectiveness of advertising on Facebook and Instagram. Meta Privacy Policy
- Google Ads (Google LLC): conversion tracking for paid search campaigns. Google Privacy Policy
We do not control the cookies set by these third parties. Please refer to their respective privacy policies for more information on how they process your data.
6. How to Manage and Disable Cookies
In addition to our on-site cookie consent tool, you can manage cookies through your browser settings. Most browsers allow you to:
- View what cookies are stored and delete them individually
- Block third-party cookies
- Block cookies from specific websites
- Block all cookies
- Delete all cookies when you close the browser
Instructions for managing cookies in common browsers:
Please note that disabling certain cookies may affect the functionality of our website and your ability to use some of our services.
You can also opt out of Google Analytics tracking across all websites by installing the Google Analytics Opt-out Browser Add-on.
7. Changes to This Policy
We may update this Cookie Policy from time to time. Any changes will be posted on this page with an updated effective date. We recommend checking this page periodically to stay informed about our use of cookies.
8. Further Information
For more information on how we process your personal data, please see our Privacy Policy.
If you have any questions about this Cookie Policy, please contact us:
U Finance Limited (trading as Creditify)
Company No. 17086752
Registered office: Office 408, Screenworks, 22 Highbury Grove, London N5 2ER, United Kingdom
Email: info@creditify.co.uk