We use cookies to ensure that we give you the best experience on our website. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on our website.

What are cookies?

Cookies are small files held on your computer that help websites remember who you are, save preferences, and pass information between web pages. More information can be found on along with details on how to remove cookies and disable them.

What type of information is held in the cookies?

Our site only stores information in cookies that is important:

Cookie Name Purpose Expires
The following are set by Google Analytics. These enable us to see our website stats which enable us to make improvements based on the site usage. More info
__utma Used to determine unique visitors to this site and it is updated with each page view. Additionally, this cookie is provided with a unique ID that Google Analytics uses to ensure both the validity and accessibility of the cookie as an extra security measure. 2 years from set/update
__utmb Used to establish and continue a user session with this site. 30 minutes from set/update
__utmc Used to determine whether or not to establish a new session for the user. At end of session
__utmz Stores the type of referral used by a visitor to reach this site, whether via a direct method, a referring link, a website search or an email link. It is used to calculate search engine traffic and page navigation within this site. The cookie is updated with each page view to this site. 6 months from set/update
The following allow different content to be displayed on other pages depending on your answers to the debt option questions. All of these are cleared when you log off or close the browser (ie. at the end of your "session").
user:disregard The debt options you have disregarded At end of session
user:unavailable The debt options unavailable to you At end of session
user:qanswers Abbreviated answers to your debt questions (so that they are still available if you return to the questions page) At end of session
user:remedy The debt options still available to you. At end of session
user:remedyQ Indicates whether or not all questions have been answered. At end of session
The following allow different content to be displayed on other pages once you are logged in. These only apply if you are logged into the site and will not be stored otherwise. All of these are cleared when you log off or close the browser (ie. at the end of your "session").
user:status Whether you are single or in a couple - mainly used for generation of letters. At end of session
user:refno Your unique reference number - used in letters. At end of session
user:username Your username encrypted, this is how your username is stored in our database and is checked against a number of times to ensure you are logged in. At end of session
user:cleanuser Your username unencrypted - used to show the account you are logged in as on the left-hand side menu. At end of session

What information is being stored in cookies now?

Below is all of the information currently being held in cookies created by this site:

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