Koyoloans

Cookie Policy for Koyoloans

1. WHAT ARE COOKIES

Cookies and other similar tracking technologies are small text files or code placed on your device (e.g. computer, smartphone or other electronic device) when you use our website or app or view a message. Cookies allow a website or app to recognise a particular device.

2. OUR USE OF COOKIES

We use cookies and other similar tracking technologies on our website and app. These help us recognise you and your device and store some information about your preferences or past actions.

For example, we may monitor how many times you visit our website or use our app, which pages you go to, traffic data, location data and the originating domain name of your internet service provider. This information helps us to build a profile of our users. Some of this data will be aggregated or statistical, which means that we will not be able to identify you individually.

You can set your browser not to accept cookies and the websites below tell you how to remove cookies from your browser. However, some of our website features may not function as a result.

For further information on our use of cookies and other similar tracking technologies, including a detailed list of your information which we and others may collect through cookies, please see below.

3. WHY DO WE USE COOKIES

We use cookies and other similar tracking technologies to:

  • recognise you whenever you visit our website or app (this speeds up your access to this as you do not have to log in each time);
  • obtain information about your preferences and use of our website and app;
  • carry out research and statistical analysis to help improve our content and services and to help us better understand our users’ requirements; and
  • make your online experience more efficient and enjoyable.

4. TYPES OF COOKIE

The cookies we place on your device fall into the following categories:

  • Strictly necessary cookies. These cookies are essential for you to be able to navigate our website and app and use its features. Without these cookies, the services you have asked for could not be provided.
  • Analytical / performance cookies. These cookies collect information about how you use our website and app, e.g. which pages you go to most often. These cookies do not collect personally identifiable information about you. All information collected by these cookies is aggregated and anonymous, and is only used to improve how our website works.
  • Functionality cookies. These cookies allow our website to remember the choices you make (such as your user name, language, last action and search preferences) and provide enhanced, more personal features. The information collected by these cookies is anonymous and cannot track your browsing activity on other websites.
  • Targeting cookies. Also known as advertising cookies, these cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement on our website and help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with this Website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers.

5. THE COOKIES WE USE

At Koyo we set and use some cookies ourselves but only on our site. We refer to these as first party cookies. When cookies are served by another domain or by one of our service providers we refer to them as third party cookies. Please see what cookies and other similar tracking technologies we use below:

First Party Cookies
Cookie NameDomainExpiryPurpose
_cfduidkoyoloans.comSession cookie that expires after 30 daysThis is a strictly necessary cookie which is placed on our web browser by Cloudflare to identify individual clients behind a shared IP address and apply security settings on a per-client basis.

_ga

_gat

_gid

gtm_id

koyoloans.com

2 years

1 minute

24 hours

These are analytical / performance cookies which send anonymous aggregate reports about your site usage to Koyo.

  • _ga: is used to distinguish users for Intercom data
  • _ga: is used to distinguish users for Koyo data
  • _gid: is used to distinguish users
  • _gat: is used to limit the number of petitions to Google analytics
  • gtm_id: is used as the intercom id for Google Tag Manager
intercom-id-ipxxb47ukoyoloans.com9 monthsThis cookie is used by the Intercom messenger and assigned to the domain of our website. This is a functionality cookie, which is a unique anonymous identifier.
Third Party Cookies and other tracking technology
ServiceDescription
Google Analytics (_ga, _gat, _gid, gtm_id, 1P_JAR)This is a web analytics service provided by Google Inc which uses cookies to show us how visitors found and explored our site, and how we can enhance their experience. It provides us with information about the behaviour of our visitors (eg how long they stayed on the site, the average number of pages viewed) and also tells us how many visitors we have had.
Facebook (wd, fr, _fbp, IDE)We use Facebook cookies to customise content and advertising, to provide social media features and to analyse traffic to the site.
AddRoll (__adroll, __ar_v4, __adroll_fpc)AdRoll is an AI-driven marketing platform to help companies to increase traffic and conversion.
Workable (wmc, _gat, _gid, gtm_id)Workable is a platform to help companies to hire talent. We use Workable to integrate the job posting service they offer.

We also use pixels or web beacons in direct marketing emails that we send to you. These pixels track whether our email was delivered and opened and whether links within the email were clicked. They also allow us to collect information such as your IP address, browser, email client type and other similar details. We use this information to measure the performance of our email campaigns, and for analytics.

6. CONSENT TO USE COOKIES

We will ask for your permission (consent) to place cookies or other similar tracking technologies on your device, except where these are essential for us to provide you with a service that you have requested.

There is a notice on our home page which describes how we use cookies and requests your consent before we place any non-essential cookies on your device.

7. HOW TO TURN OFF COOKIES

If you do not want to accept cookies, you can change your browser settings so that cookies are not accepted. If you do this, please be aware that you may lose some of the functionality of our website.

To find out more about cookies, including how to see which cookies have been set and how to manage and delete them, you can visit the third party website: www.allaboutcookies.org

This site uses cookies to improve your web experience. If you keep surfing this site we consider that you accept our cookies usage. You can check more information here