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This Cookies Policy sets out the basis on which we, Davidson Deem Ltd., use cookies and similar technologies on or in relation to our website, / (our website). This Cookies Policy is effective from 03rd April 2018.
‘Essential’ cookies are automatically placed on your computer or device when you access our website or take certain actions on our website. ‘Non-essential’ cookies and other technologies are only placed on your computer or device if you have consented to us doing so. For information on the difference between essential and non-essential cookies, see the section below entitled About cookies.
For information on how you consent and how you can withdraw your consent to us placing non-essential cookies and other technologies on your computer or device, see the section below entitled How to accept or reject cookies.
Cookies are small data files sent by a website’s server to a web browser, processor memory or hard drive and stored there. They can be used for a range of different purposes, such as customising a website for a particular user, helping a user navigate a website, improving that user’s website experience, and storing that user’s preferences and login information.
Cookies can be classified as either ‘essential’ or ‘non-essential’.
Essential cookies: these are cookies that are either:
Non-essential cookies: these are any cookies that do not fall within the definition of essential cookies, such as cookies used to analyse your behaviour on a website (‘analytical’ cookies) or cookies used to display advertisements to you (‘advertising’ cookies).
Cookies can be classified as either ‘session’ or ‘persistent’, depending on how long they last after they are placed on your browser.
Session cookies: session cookies last for as long as you keep your browser open. They expire when you close your browser.
Persistent cookies: persistent cookies expire at a fixed point in time or if you manually delete them from your browser, whichever occurs first.
Cookies can be classified as ‘first party’ or ‘third party’.
First party cookies: these are cookies placed on your device by our website domain.
Third party cookies: these are cookies placed on your device by third party website domains.
If you require further information about cookies in general, please visit www.allaboutcookies.org
We use the following cookies on or in relation to our website:
Name of Cookie | Essential or Non-essential? | Type of cookie | First or Third party? | Session or Persistent? | Expiry Time | Purpose |
Smartlookcookie | Non-essential | Functional | Third party | Session | End of browser session | Relates to live chat programme theme being used on website |
Smartlookcookie | Non-essential | Functional | Third party | Session | End of browser session | Relates to live chat programme theme being used on website |
ssupp.chatid | Non-essential | Functional | First party | Session | End of browser session | Registers user ID to provide live chat service |
ssupp.vid | Non-essential | Functional | First party | Persistent | 179 days | Relates to premium feature to allow video chat on live chat service. |
_utm.gif | Non-essential | Analytical | First party | Session | End of browser session | Google Analytics Tracking Code that logs details about the visitor’s browser and computer |
_utma | Non-essential | Analytical | First party | Persistent | 2 years | Google Analytics cookie that collects data on the number of times a user has visited the website as well as dates for the first and most recent visit. |
_utmb | Non-essential | Analytical | First Party | Session | End of browser session | Google Analytics cookie used to register a timestamp with the exact time of when the user accessed the website. Calculates the duration of a website visit. |
_utmc | Non-essential | Analytical | First Party | Session | End of browser session | Google Analytics cookie used to register a timestamp with the exact time of when the user accessed the website. Calculates the duration of a website visit. |
_utmt | Non-essential | Load Balancing | First Party | Session | End of browser session | Google Analytics cookies used to throttle the speed of requests to the website’s server. |
_utmv | Non-essential | Analytical | First Party | Session | End of browser session | Google Analytics cookie which Save user-defined parameters for use in Google Analytics. |
_utmz | Non-essential | Analytical | First Party | Persistent | 6 months | Google Analytics cookie which collects data on where the user came from, what search engine was used, what link was clicked and what search terms was used. |
_ga | Non-essential | Analytical | First Party | Persistent | 2 years | Google Analytics cookie which registers a unique ID that is used to generate statistical data on how the visitor uses the website. |
_gat | Non-essential | Load Balancing | First Party | Session | End of browser session | Google Analytics cookie used to throttle request rate |
_gid | Non-essential | Analytical | First Party | Session | End of browser session | Google Analytics cookie that registers a unique ID that is used to generate statistical data on how the visitor uses the website. |
_hjIncludedInSample | Non-essential | Targeting (Advertising) | First Party | Session | End of browser session | Hotjar cookie used to determines if the user’s navigation should be registered in report of how visitors have used our website. |
We use the following types of non-essential cookies on our website:
These are cookies that are designed for purposes such as enhancing a website’s functionality. These are either not strictly essential for the website or functionality which you have requested to work, or are cookies which serve non-essential purposes in addition to their essential purpose. We use the following functional cookies on our website:
First and third party session and persistent cookies to provide our live chat service and related functionality. These cookies are two third party session smarklookcookies which relate the our live chat’s theme to ensure it display correctly to users, a session cookie called chatid to allow the service to recognise a particular user and suppvid, a persistent cookie expiring after 179 days that relates to a premium feature of our live chat service.
See the section below entitled How to accept or reject cookies
Processing information about you contained in or obtained from functional cookies
Legal basis for processing: we process information about you contained in or obtained from functional cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation). We will only process such personal information if you have consented to us placing cookies on your computer or device.
Legitimate interests: improving your website experience, providing or enhancing the appearance and functionality of our live chat service.
Analytical (or performance) cookies track and gather data about what a user does on a website. These cookies are not essential for our website or its functionality to work. We use the following analytical cookies on our website:
We use Google Analytics cookies on our website. Google Analytics cookies help us understand how you engage and interact with our website, including how you came to our website, which pages you visited, for how long and what you clicked on, your location (based on your IP address).
The Google Analytics cookies used on our website are: _utm.gif, _utma, _utmb, _utmc, _utmt, _utmv, _utmz, _ga, _gat and _gid. These cookies include session and persistent cookies. For further details on these cookies, please see the table in the section above entitled List of cookies used.
We also use a cookie called _hjincludedInSample which is used to determine whether a user’s activity should be included in a statistical report of how users have visited our website (for us to analyse), called a ‘funnel’. Hotjar analyses your behaviour on our website using a tracking code and allows us to generate ‘heatmaps’ (visual representations of user mouse behaviour) which help us analyse visitor behaviour on our site.
Google Analytics cookies are classified as first party cookies as they are set by our website domain, although Google collects and processes information from our use of Google Analytics. To find out more about how Google handles information collected from Google Analytics, see Google Analytics’ privacy policy, which is available here: https://support.google.com/analytics/answer/6004245
For information on how Google uses data from cookies it uses, please visit www.google.com/policies/privacy/partners/.
You can find our more about Hotjar funnels here: https://help.hotjar.com/hc/en-us/articles/115011656407-How-do-Hotjar-Funnels-Work-. For more information on how Hotjar handles information collected by cookies and what information they collect, please see their privacy policy here: https://www.hotjar.com/privacy
How to opt in or out from analytical cookies
See the section below entitled How to accept or reject cookies
To opt out of Google Analytics tracking across all websites in general, you can do so here: http://tools.google.com/dlpage/gaoptout
Processing information about you contained in or obtained from analytical cookies
Legal basis for processing: we process information about you contained in or obtained from analytical cookies in our legitimate interests (Article 6(1)(f) of the General Data Protection Regulation).
Legitimate interests: analysing how individuals use our website to help us improve our website and business. For further information on how we use the information gathered from our use of analytical cookies, including profiling, please see the section entitled Our use of automated decision making and profiling in our privacy policy, which is available here: /privacy/
More information
For information about the cookies Google uses in relation to the above, see the ‘Advertising’ section on the Types of cookies used by Google page in Google’s cookies policy, which is available here: https://www.google.com/policies/technologies/types/
For information about how Google uses data from cookies for its own purposes, please visit the following link www.google.com/policies/privacy/partners/
There are a number of different ways in which you can accept or reject some or all cookies. Some of the main methods of doing so are described below:
You are welcome to block the use of some or all of the cookies we use on our website. However, please be aware that doing so may impair our website and its functionality or may even render some or all of it unusable.
You should also be aware that clearing all cookies from your browser will also delete any cookies that are storing your preferences, for example, whether you have accepted cookies on a website or any cookies that are blocking other cookies.
You can find more detailed information about cookies and adjusting your browser settings by visiting www.allaboutcookies.org
You can accept or reject non-essential cookies by using our cookie management tool by turning off and on the types of non-essential cookies you would like to accept or reject using the sliders in our cookie banner.
You can accept or reject some or all cookies (for example, blocking all third party cookies) by adjusting your browser settings. If you do not know how to do this, the links below set out information about how to change your browser settings for some of the most commonly used web browsers:
Google Chrome: https://support.google.com/chrome/answer/95647?hl=en-GB
Mozilla Firefox: https://support.mozilla.org/en-US/kb/delete-browsing-search-download-history-firefox?redirectlocale=en-US&redirectslug=Clear+Recent+History
Microsoft Internet Explorer: https://support.microsoft.com/en-us/help/278835/how-to-delete-cookie-files-in-internet-explorer
Apple Safari: https://support.apple.com/kb/PH5042?locale=en_US
Some browsers, such as Chrome and Firefox, allow you to change your settings to browse in ‘incognito’ mode, limiting the amount of data placed on your machine and automatically deleting any persistent cookies placed on your device when you finish your browsing session. There are also many third party applications which you can add to your browser to block or manage cookies.
To clear cookies that have previously been placed on your browser, you should select the option to clear your browsing history and ensure that the option to delete or clear cookies is included when you do so.
You can manage and opt out of personalisation of advertisements by Google by visiting Google’s ad settings page here https://adssettings.google.com/ and by:
unticking the button entitled ‘Also use Google Account activity and information to personalize ads on these websites and apps and store that data in your Google Account’; and
switching the ‘Ads Personalisation’ setting off (i.e. by ensuring the switch at the top of the page is set to the left/grey and not the right/blue).
Alternatively, you can install a free browser plugin here: https://support.google.com/ads/answer/7395996
You can opt out of Google Analytics tracking by installing the browser add-on which is available here: http://tools.google.com/dlpage/gaoptout
This Cookies Policy is based on a template provided by GDPR Privacy Policy. For further information, please visit https://gdprprivacypolicy.org
The copyright in this Cookies Policy is either owned by, or licensed to, us and is protected by copyright laws around the world and copyright protection software. All intellectual property rights in this document are reserved. Where we display the GDPR Privacy Policy logo on our website, this is used to indicate that we have adopted a privacy policy template provided by GDPR Privacy Policy as the basis for this Privacy Policy.
Our mortgage specialists pride themselves on having over 50 years combined experience.
Whether you are looking for a mortgage as a first time buyer or to remortgage, we are here to help advise you on the best options available to you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE
Davidson Deem is an appointed representative of Lumin Wealth Management Limited, which is authorised and regulated by the Financial Conduct Authority (FCA), No. 580185.
Although Lumin Wealth Management Limited is regulated by the FCA, please note the FCA does not regulate commercial mortgages and most buy-to-let mortgages, but it does regulate bridging loans.