Cookie Policy
Company Number: 14964264
Registered Office: Amtri House, Hulley Road, Macclesfield, Cheshire, SK10 2NE
Contact: [email protected]
PensionHelper uses cookies and similar technologies to make the site work, measure performance, and (with your consent) measure marketing effectiveness. This page explains exactly what we use, why, and how to change your choice at any time. We comply with UK GDPR and the Privacy and Electronic Communications Regulations (PECR).
What are cookies?
Cookies are small text files placed on your device when you visit a website. They allow the site to recognise you on future visits and remember things like preferences, login state, and analytics identifiers. Some cookies last for a single session (deleted when you close the browser); others persist for days, months or years.
We also use similar technologies — local storage, session storage, and pixel images — which behave like cookies for the purposes of this policy.
Cookie categories we use
1. Essential cookies (always on)
Required for the site to function. We do not need consent for these under PECR because they are strictly necessary.
- cookieConsent — stores your cookie consent choice (Accept / Reject) for 6 months. Set by PensionHelper. First-party. Local storage.
- Cloudflare security cookies (e.g.
__cf_bm) — used by our hosting provider to distinguish humans from bots. Session-length, first-party.
2. Analytics cookies (require consent)
Help us understand how the site is used so we can improve it. Set only after you click Accept.
- _ga — Google Analytics 4. Distinguishes unique users. 2-year duration. Third-party (Google).
- _ga_ZC428BXBD4 — Google Analytics 4 session state. 2-year duration. Third-party (Google).
Without consent, Google Analytics runs in cookieless ping mode — it receives anonymous, aggregated event counts only, with no cookies set and no individual user identification.
Third parties
The third-party services that may set cookies on your behalf with your consent:
- Google LLC — Google Analytics 4. Google Privacy Policy.
- Cloudflare Inc — site hosting and security (essential cookies only). Cloudflare Privacy Policy.
How to change your cookie preferences
You can change your cookie preferences at any time:
- Click the button below to clear your stored preference and re-show the banner.
- Choose Accept or Reject when the banner reappears.
Browser-level controls
You can also block or delete cookies at the browser level:
Do Not Track
Some browsers send a "Do Not Track" (DNT) signal. There is no consensus on how DNT should be interpreted, so we honour your explicit choice via the cookie banner rather than DNT signals. If your browser also has a "Global Privacy Control" (GPC) signal enabled, we treat it as a Reject by default.
Children
The site is not directed at children under 13. We do not knowingly collect data from children. If you believe we have, contact us at [email protected].
Your data-protection rights
Under UK GDPR you have the right to: access, rectify, erase, restrict, port, object to processing, withdraw consent at any time, and lodge a complaint with the ICO at ico.org.uk/make-a-complaint.
Changes to this policy
We review this policy at least annually and update it whenever we add, remove or materially change a cookie or third-party service. The "Last updated" date at the top of this page reflects the latest revision.
Frequently asked questions
What are cookies?
Cookies are small text files placed on your device when you visit a website. They allow the site to recognise you on future visits and remember things like preferences, login state, and analytics identifiers.
Do I have to accept cookies?
No. Essential cookies (which make the site work) are always set, but they don't track you. Analytics cookies are only set if you click Accept on our cookie banner. You can use the site fully even if you click Reject.
Can I change my mind later?
Yes. Click the "Change cookie settings" button on this page at any time to clear your stored preference and re-show the banner.
What happens if I click Reject?
We do not set any analytics cookies. Google Analytics runs in cookieless ping mode — it receives anonymous, aggregated event counts only, with no cookies set and no individual user identification.
What happens if I close the banner with the X?
The banner closes for the current session and returns next time you visit. No analytics or marketing cookies are set in the meantime — the X is treated as a soft dismiss, not consent.
How long is my preference remembered?
Six months. After that the banner reappears so you can confirm or change your choice. This is in line with UK ICO guidance.
Who is the data controller?
Nesto Mortgages Ltd (trading as PensionHelper), company number 14964264. Registered office: Amtri House, Hulley Road, Macclesfield, Cheshire, SK10 2NE. Contact: [email protected].
Contact
For data-protection enquiries:
- Email: [email protected]
- Post: Nesto Mortgages Ltd, Amtri House, Hulley Road, Macclesfield, Cheshire, SK10 2NE
- Company number: 14964264