Cookie Notice
We use cookies on our website. Find out more about what cookies we use.
What are cookies?
Cookies are text files containing small amounts of information which are downloaded to your device when you visit our site. Our site recognises those cookies on each subsequent visit, enabling our site to recognise you.
Unless you have adjusted your browser settings to refuse cookies (and details of how to do this are signposted at the end of this notice), our site will set cookies as soon as you visit our site.
How and why we use cookies
We use cookies on our site to:
- recognise you whenever you visit our site
- remember the notifications you’ve seen so that we don’t show them to you again
- allow you to navigate between pages efficiently
- safeguard your privacy when you're using our site, automatically ending a secure session when you log out, or after 10 minutes
- measure how you use our site so it can be updated and improved to give you the best possible experience on our site
- measure and analyse our advertising
- remember pages you have been looking at so we can tailor and enhance our advertising
The information we obtain from our use of cookies will not usually contain information from which you can easily be identified, such as your name. However, we do collect some personal data relating to your computer or other electronic device, such as your IP address, your browser and/or other internet log information.
In most cases we will need your consent in order to use cookies on our site. The exception to this is where the cookie is essential in order for us to provide you with a service you have requested (such as making payments through our site).
When you open our site in your browser a cookie pop up message will be displayed and this will ask you for your consent for non-essential cookies to be placed on your device. If you do not click to accept cookies but you continue to use our site without disabling cookies, we will consider this to mean that you accept our use of these non-essential cookies. A record of your acceptance will be stored in a functional cookie for 30 days, after which the cookie will expire and the cookie pop up message will be displayed again.
You may withdraw your consent or acceptance at any time by following the instructions for disabling cookies, signposted at the end of this Cookie Notice.
We use the following cookies on our site:
Essential Cookies
These cookies are essential in order to enable you to move around our site and use its features, such as accessing secure areas of our site. Without these cookies, services you have asked for, like the ability to make a payment, view your account details, or set up a payment plan cannot be provided.
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Cookie Name |
How long this cookie lasts |
What is the purpose of this cookie? |
|---|---|---|
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lg_1 lg_2 yourAuthCookie |
End of browser session |
These cookies are used to store a unique identifier to manage and identify the user as unique, in order to provide a consistent and accurate service. |
Essential Third Party Cookies
Third party cookies are used to provide important functionality to our site, as well as collecting anonymous user data for analysis.
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Third party |
Cookie name |
How long this cookie lasts |
What is the purpose of this cookie? |
|---|---|---|---|
|
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This cookie allows us to make sure that you are a person not a robot |
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NID |
Up to 2 years |
These cookies are used by Google reCAPTCHA to determine and verify that the user is not a robot. Google's Privacy Policy can be found here. |
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eGain |
These cookies allow us to offer you the option to use Live Chat to speak to our automated Chatbot or one of our agents. |
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JSESSIONID X-egainsession |
End of browser session 24 hours |
These cookies allow us to identify and track your Live Chat sessions |
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displayName |
End of browser session |
This cookie stores the names that will be displayed for you and our agent in LiveChat |
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egofrsessionstarttime egofrreofferignore egofrreofferaccept egofrreofferreject egofrnoreoffer egofrcountforsession egofroffersbeingshown egofrservernotready Egofrreferrer egSSTabOpen EG_CUST_SEC |
End of browser session |
These cookies allow us to track and monitor your use of our Live Chat function |
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egain-last-request-id egain-last-success-request-id egSubDomainSupportConfig egTabId egAwaitingEvtDone egSessionId egChatInProgress EgainLastRequestId egChatStateBeforeUnload egChatWindowState egFetchFromStorage egSystemMsg egAgentMsg egChatInitiateData X-egain-ban-visitor |
End of browser session
1 hour
168 hours |
These cookies allow us to identify your Live Chat session and store your data. This means that you can continue your Live Chat session as you navigate around our website and we can reconnect you to your Live Chat session if the connection is lost |
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EG-U-ID |
1 year |
This cookie allows us to differentiate between each of your Live Chat sessions |
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EG-SEQ-ID EG-S-ID |
End of browser session |
These cookies allow us to link and track your interactions with Live Chat and our website whilst you are using Live Chat |
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TU |
These cookies are required in order to complete validation checks for access to the TransUnion credit score and services |
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fp_token_ io_token_ for Iovation |
12 months 12 months |
Devicerisk element cookie, checking against the consumers device details for validation purposes Devicerisk element cookie, checking against the consumers device details for validation purposes |
Functional Cookies
These essential cookies allow our site to remember choices you make. The information these cookies collect may be anonymised and they cannot track your browsing activity on other sites.
|
Cookie name |
How long this cookie lasts |
What is the purpose of this cookie? |
|---|---|---|
|
EU_COOKIE_LAW_CONSENT |
30 days |
This cookie is used to remember a user’s acceptance of the use of cookies on our site as explained above. You will see a pop-up cookies message when you first visit our site. We’ll store a cookie so that your computer knows you’ve seen it and knows not to show it again. This expires after 30 days when you will see a pop up cookie message again to remind you of this Cookie Notice and to ask you to consent again to our use of essential cookies. |
Third Party Performance Cookies
These non-essential cookies collect information about how visitors use our site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
|
Cookie name |
How long this cookie lasts |
What is the purpose of this cookie? |
|---|---|---|
|
_ga _ga_* _gat _gid _gali |
2 years 2 years 1 minute 24 hours 30 seconds |
We use Google Analytics to collect information about how you use our site. We use the information to compile reports and to help us improve our site. The cookies collect information in an anonymous form, including the number of visitors to our site, where visitors have come to our site from and the pages they visited. We don’t allow Google to use or share our analytics data. Google Analytics stores information about:
More details about how Google Analytics collects and processes data are available at www.google.com/policies/privacy/partners You can opt out of being tracked by Google Analytics cookies across all websites http://tools.google.com/dlpage/gaoptout |
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dtCookie |
End of browser session |
We use Dynatrace cookies to help us monitor the performance of our website, analyse site usage and user behaviour to ensure you get the best possible service. Dynatrace cookies allow us to receive a notification when the website is down or not functioning as expected. This allows us to resolve any technical problems quickly and with minimal disruption. These cookies do not collect data that can be used to identify individuals. We don’t allow Dynatrace or any other third party to share or use the data collected by these cookies. |
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_gaexp _opt_awcid _opt_awmid _opt_awgid _opt_awkid _opt_utmc |
90 days 24 hours 24 hours 24 hours 24 hours 24 hours |
Google Optimise cookies are used to enable performance optimisation testing. This helps us to improve your experience based on your response to different website pages and content. |
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da_lid da_sid da_intState |
12 months 30 mins 30 mins |
We use Decibel to monitor and review your online experience on our website and provide us with insights on how to make it even better. |
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kampyleUserSessionsCount DECLINED_DATE SUBMITTED_DATE kampyleUserSession kampyleSessionPageCounter kampyleInvitePresented kampylePageLoadedTimestamp kampyleUserPercentile LAST_INVITATION_VIEW kampyle_userid medallia_journeys_id md_isSurveySubmittedInSession mdigital_alternative_uuid mdLogger
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12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months 12 months
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We use Medallia to monitor and review your online experience on our website via a digital survey to provide us with insights on how to make it even better. |
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_vis_opt_exp_{CAMPAIGNID}_goal_{GOALID} _vis_opt_test_cookie _vis_opt_exp_{CAMPAIGNID}_combi _vis_opt_exp_{CAMPAIGNID}_exclude _vis_opt_exp_{CAMPAIGNID}_split _vis_opt_s _vis_opt_out _vwo_uuid _vwo_uuid_{CAMPAIGNID} _vwo_ds _vwo_sn |
100 Days Expires on browser close 100 Days 100 Days 100 Days 100 Days 10 years 10 years 10 years Depends on the retention period of the account 30 mins and reset again to 30 mins on visitor activity |
VWO uses persistent visitor-level and local storage cookies to understand visitor’s behaviour and track visitor journeys on the website to deliver the best experience. The cookies track the variation a visitor views and help serve the same variation to the visitor consistently, track their goals, and determine whether they are part of a campaign, and so on. VWO uses different cookies, each storing a different set of data. The cookies do not interfere with the loading or functioning of the website. NOTE: The only information that VWO collects about a cookie is a visitor ID, viz., a UUID that does not contain any personal data. A typical UUID looks like 4201E4DB-4C25-BA4DD31-C137C718D30E. It helps distinguish one visitor from another. This means no individual or consumer can be tracked or identified by VWO. |
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_vwo_uuid_v2 _vis_opt_exp_{CAMPAIGNID}_combi_choose
|
366 days Persists until campaign changes are applied
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_vwo_referrer _vwo _vwo_global_opt_out _vis_opt_exp_{CAMPAIGNID}_goal_{GOALID}_{ACCID} _vis_opt_exp_{CAMPAIGNID}_combi_{ACCID} _vis_opt_exp_{CAMPAIGNID}_exclude_{ACCID} _vis_opt_exp_{CAMPAIGNID}_split_{ACCID} _vwo_uuid_{CAMPAIGNID}_{ACCID} _vis_opt_exp_{CAMPAIGNID}_combi_choose_{ACCID} |
15 secs Expires in 2096 years 100 days 100 days 100 days 100 days 100 days 10 years Persists until campaign changes are applied |
|
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_vwo_global_opt_out |
100 days |
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_vwo_ssm |
3650 days |
NOTE: For the _vwo_ssm cookie, despite the stipulated duration, it will be deleted once VWO has done the validation. |
Marketing cookies
These third party cookies help us to customise our social media ads – particularly on Facebook and Instagram – and to analyse traffic driven to our site from advertising and the effectiveness of our ads. If you don’t accept these cookies, you may still see messages from Lowell, but they may be less relevant to you.
If you want to further limit the ads you see, change your advertising settings for Facebook and Instagram.
|
Cookie name |
How long this cookie lasts |
What is the purpose of this cookie? |
|---|---|---|
|
googleads.g.doubleclick.net fls.doubleclick.net |
18 months |
Google DoubleClick cookies help us to show you relevant ads about our services across the internet, including on other websites you visit, based on the fact that you visited our website. |
|
bat.bing.com/ |
18 months |
The Bing remarketing cookie helps us to show you relevant ads about our services across the internet, including on other websites you visit, based on the fact that you visited our website. |
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<p>fr</p> |
3 months End of browser session 3 months |
These cookies are used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. |
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datr |
730 days |
This cookie is used to identify the web browser being used to connect to Facebook |
Where to find more information
You can adjust the settings in your web browser to determine whether (all) sites can set cookies on your computer. Find out more information about cookies and how to manage them, specific to your browser.
If you have any further questions, comments or requests regarding our Cookie Notice or how we use cookies on our site, please contact us.