Cookie Policy

Our use of cookies

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. Our aim in using Cookies is to be able to make the site better for you.

The cookies may identify the following information when you use our website:

  • technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system type, version and platform, device type, version or serial number, screen resolution and number of CPU cores;
  • information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our site (including date and time stamps)
  • products you viewed or searched for;
  • page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs)
  • and methods used to browse away from the page and any phone number used to call our customer service number.

Cookies we use

We use the following cookies (for the following reasons):

Google Analytics (_utma _utmb _utmc _utmz _ga _gid)

These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they have visited.

An overview of privacy at Google

Site cookie acceptance (cookies-allowed)

This cookie is used to record that a user has accepted the use of cookies on this website. It expires after one year.


This cookie is used by the system running the website in order to ensure that the website content is presented appropriately for a visitor's browser. It contains no personally identifying information, and is deleted when you close your browser. 

X mapping

This cookie is used to provide users with a seamless journey experience.

They do not contain personal data and expire automatically when you close the web browser (Session cookie).

It helps streamline communication between your device and Premium Credit’s systems. 

Application insights (ai user) 

This cookie provides useful insight into how well the website is responding.

It is used to understand what users do in PCL websites: it’s a web analytics service provided by Microsoft. 

ASP.Net session

These cookies keep track of enquiries associated with a unique visitor and are always created if cookies are not disabled in the web browser. They are required to enable the website to function normally. Personal data is not collected. These cookies expire automatically when you close the web browser (Session cookie).

It helps us recognise when you are signed into your Premium Credit account. It is not possible to login to our website without this cookie being operational.

Visual Web Optimiser (_vis_opt_s/_vis_opt_test_cookie/_vwo_uuid_v2)

VWO allows Premium Credit Limited to test variations of web pages in order to improve the online experience for users. Data is anonymous and is only used internally by Premium Credit Limited.

Changing your browser settings for cookies

You can adjust the settings in your web browser to determine whether sites can set cookies on your computer:

However, please remember that cookies are often used to enable and improve certain functions on our website. If you choose to switch certain cookies off, it is likely to affect how our website works. For example, if your browser is set to disable 'session' cookies, although you will still be able to view our public website, you may not be able to log on to access our services.