Product transfer cookie policy

My cookie settings

Category
Strictly necessary
Description

if you want to move around this website and use its features, these cookies are essential.

 

This category cannot be disabled.

Category
Performance (analytics)
Description

We use cookies to collect information about how visitors use our website. This includes anonymised IP addresses. No other personal data is collected by these cookies.

 

These are third party cookies.

What are cookies?

Cookies are small text files that contain data.

 

Websites you visit place cookies on your computer, mobile, tablet or other devices you use to access the internet.

 

We use cookies when you visit our website:

  • To keep our website secure and any details you enter into it
  • To make our site as easy as possible for you to use
  • To help us understand how visitors use our site
  • To remember your preferences

 

We may change our cookies from time to time and will update our cookies list when we do this. 

Why should I keep cookies switched on?

It helps us to improve our website
Cookies help us record which parts of our site you visit. By collecting information like this, we can continue to improve our website.


They’re tiny, harmless files

Our cookies are very small and safe. The information they store and send is scrambled so you can’t be identified from it.

What happens if I block cookies?

If you block cookies, you won't be able to complete a mortgage product transfer online.

If you want to block cookies from this site, you'll need to change the cookie settings in your browser. To find out how to do this, check in your browser's help section.


If your browser is set to ‘Do Not Track’, we’ll still ask you to accept cookies to use our website but we won’t track your browsing habits.

What are the different types of cookie?

Session cookies
These are automatically deleted when you leave the website or close your browser.


Persistent cookies
These either stay on your computer until you choose to remove them, or until they expire on a pre-set date.


First party cookies
These are created by and placed on your computer by the owner of the website. They’re usually essential for the website to function properly.


Third party cookies
These are placed on your computer by the owner of the website but they’re managed by another company, for example: Google or YouTube. This type of cookie is often used to help monitor visitors. For example: which pages people visit, for how long, which country they’re from, which search terms they used to find the page, and so on.

Which cookies does this website use?

Third party cookies

We place these on your computer, but they’re managed by Google and Iress.

These cookies collect anonymised IP addresses to help us understand where our visitors are based. No other personal data is collected by these cookies.

These are the third party cookies we currently use:

 

Google Analytics

  • _utma, _utmz, _utmb, _utmc, _utmt
  • These cookies are managed by Google.
  • We use them to collect information about:
    • how many site visitors we have
    • how visitors use our site
    • where visitors come from, both geographically and from which website
  • _utma, _utmt and _utmz are ‘persistent’ cookies. They’re set when you first visit our site.
  • _utma automatically expires after 2 years.
  • _utmz automatically expires after 6 months.
  • _utmb and _utmc are session cookies. They’re set when you first visit our site. They’re removed when you close your browser.

Google's policy for their third party cookies is  here: www.google.co.uk/policies/privacy/partners.

 

Iress cookies

  • All MSO sites mandate the use of various cookies and session storage properties that are considered ‘strictly necessary’ for the successful operation of MSO.
  • The cookies and session storage are used across all pages and are retained for the duration of the session only.
  • They will not support the onward provision of data and are for the purpose of some or all of the following:
    • User authentication and feature claim management, to ensure users are appropriately authenticated and authorised to access requested MSO sites and functionality
    • Case locking, to ensure exclusive read/write access to an MSO case
    • To support user redirection upon various navigation actions (including page refresh and logout)
    • Data caching necessary for performance management
  • MSO Originations UI (authmethod, lockId, logoutUri, refreshUri, token, username)
  • MSO TAS UI (authmethod, logoutUri, refreshUri, token, username, roles)
  • MSO Operational Reporting UI (token, user, authuri, givenName, familyName, authMethod)
  • MSO AST UI (token, user, authmethod, logoutUri, refreshUri)
  • MSO Application Submission UI (Token)
  • MSO Case Hub UI (Brand, softwareVersion, token)
  • MSO Case Management UI (advisorName, anchorDate, brand, channel, Intermediary, mortgageSolutionData, resourceActions, softwareVersion, sourcePortal, token)
  • MSO Decision In Principle UI (anchorDate, brand, sourcePortal, token)
  • MSO Digital Rate Switch UI (auth_token, drs-redirect)
  • MSO Full Mortgage Application UI (anchorDate, Brand, sourcePortal, token)
  • MSO Portfolio Manager UI (applicants, links, links-portfolio, properties, token)
  • MSO Pre Submission UI (anchorDate, channel, token, authTokenKey)
  • MSO Sales Prerequisites UI (authTokenKey, token)
  • MSO Product Modelling UI (advisorName, brand, channel, intermediary, lockToken, pmQueryString, resourceActions, token, username)
  • MSO Mortgage Solution Shaping (advisorName, lockToken, token)
  • MSO Mortgage Suitability (advisorName, lockToken, token)
  • MSO Product Tooling (Authmethod, baseRateImportEnabled, brands, ercImportEnabled, productImportEnabled, rateProfileImportEnabled, roles, taxRateImportEnabled, token, username)
  • MSO Rate Switch (advisorName, anchorDate, brand, channel, intermediary, lockToken, resourceActions, sourcePortal, token, username)
  • MSO Needs and Circumstances (anchorDate, authmethod, brand, channel, lockToken, resourceActions, sourcePortal, token, username)
  • MSO Configuration Hub (token, username, authuri, authmethod, givenName, familyName, lockToken, channel, brand, anchorDate, user)
  • MSO Panel Intermediary Registration (channel, brand, anchorDate, token, username, lockToken, intermediary, sourcePortal, resourceActions, user)
  • MSO Panel Intermediary Self Management (Intermediary Token, lockToken, channel, brand, sourcePortal, anchorDate, resourceActions)
  • MSO Panel Intermediary (username, authmethod, roles, token, fullName, lockToken, user, channel, brand, sourcePortal, anchorDate, uthuri, Pagination)
  • MSO Reset Password (channel, brand, anchorDate, token, username, lockToken, token, intermediary, sourcePortal, resourceActions, user)
  • MSO User Management (username, authmethod, roles, token, lockToken, token)
  • MSO Intermediary (user, token, lockToken, intermediary, channel, brand, sourcePortal, anchorDate, resourceActions, roles, username, advisorName)
  • MSO Direct (token, username, advisorName, roles, authmethod, channel, logoutUri, token, username, authmethod, lockToken, channel, brand, anchorDate, roles, sourcePortal)

Where can I get more information or help?

All about cookies
You can read more at this independent website: www.allaboutcookies.org/manage-cookies.


How the advertising industry uses cookies
If you’re interested in how cookies work and your rights online, have a look at this guide. It explains ‘behavioural advertising’ – how brands use information about your internet browsing to deliver adverts more relevant for you. This website also explains your rights and how to adjust your online privacy setting: www.youronlinechoices.eu.


UK best practice
To help businesses, the International Chamber of Commerce for the UK created a cookie guide. The guide defines categories of cookies, along with example of notices to help website users understand them. The guide gives clear explanations of what cookies do and why web site operators and other organisations use them: www.international-chamber.co.uk/our-expertise/digitaleconomy.

Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.

 

Call us on 0800 121 8899

Lines closed
  • Mon-Fri 8am-7pm
  • Saturday 9am-2pm
  • Sunday & Bank holidays Closed
Call us

Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.

 

Call us on

0800 121 8899

Call us