Cookies policy.

Cookies policy.

Cookies Policy

Effective Date: 1st January, 2026

Last updated: 1st January, 2026



1. What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help us remember your preferences, understand how you use our site, and deliver more relevant advertising.

Cookies may be set by us (“first-party cookies”) or by third-party platforms we work with (“third-party cookies”).


You can manage or delete cookies at any time — see Section 5 below.



2. What Types of Cookies We Use


Type of Cookie Purpose

Strictly Necessary - Required for basic site functionality (e.g. form submission, security).

Performance - Helps us understand how users interact with our site (e.g. page visits, bounce rates).

Advertising - Tracks your behaviour across websites to show relevant ads on platforms like Google, Facebook, or TikTok.

A/B Testing - Used to improve your experience via website experiments (e.g. by VWO).



3. Cookies We Use:


Google Analytics & Google Ads


Tracks user behaviour, conversions, and ad performance

May store IP address, device info, and browsing data

Includes cookies like _ga, _gid, _gcl_au, and others

Learn more


Meta (Facebook) Pixel


Helps track ad effectiveness and user actions after clicking a Facebook or Instagram ad

May track page views, form completions, and device identifiers

Includes cookies like _fbp and uses event_id for deduplication

Learn more


TikTok Pixel


Enables ad tracking, conversions, and optimisation of TikTok campaigns

Tracks events such as page views and form submissions

Learn more


Microsoft Ads (UET Tag)


Tracks conversions and helps measure the effectiveness of Microsoft Ads

May store identifiers, click IDs, and page interactions

Includes cookies like _uetmsclkid and _uetsid

Learn more


VWO (Visual Website Optimizer)


Allows us to run A/B tests and improve site usability

May track which version of a page you saw, clicks, and conversion rates

Learn more



Cookie Duration


Cookies may remain on your device for different lengths of time depending on their purpose. Some are deleted when you close your browser, while others may remain for up to 24 months.



4. Legal Basis for Using Cookies

We use cookies in accordance with the UK’s Privacy and Electronic Communications Regulations (PECR) and the UK General Data Protection Regulation (UK GDPR).


We only set non-essential cookies (e.g. for advertising or analytics) if you have given us consent through our cookie banner.


We use a consent management tool called to ensure that non-essential cookies are only set with your permission.


You can withdraw your consent at any time (see below).



5. How to Control or Disable Cookies


On Our Website - Our cookie banner allows you to accept or reject non-essential cookies

You can adjust or withdraw your consent at any time by clicking the “Cookie Settings” link in the footer of our website.


In Your Browser


You can also block or delete cookies via your browser settings. Visit the following links for instructions:


Google Chrome: https://support.google.com/chrome/answer/95647

Safari: https://support.apple.com/en-gb/guide/safari/sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox

Microsoft Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge-63947406-40ac-c3b8-57b9-2a946a29ae09

Note: Disabling cookies may affect how our site functions.



6. Changes to This Cookies Policy


We may update this policy from time to time to reflect changes in the law, technology, or the cookies we use. When we do, we’ll revise the “Last Updated” date above.


Please review this page regularly to stay informed.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERM OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU REPAY.


SECURED LOANS - Rates from 5.69% variable. We also have a range of plans with rates up to 36.6% allowing us to help customers with a range of credit problems.


Representative 11.3% APRC variable.

Representative example: if you borrow £34,480 over 10 years , initially on a fixed rate for 5 years at 7.60% and for the remaining 5 years on the lenders standard variable rate of 8.10%, you will make 60 monthly payments of £467.50 and 60 monthly payments of £473.06. The total repayable would be £56,528.60 (This includes a lender fee of £595 and a broker fee of £4137). The overall cost for comparison is 11.3% APRC representative. Maximum APR 36.6%


All fees charged by our partner (Norton Finance) will be explained in detail and subsequently in writing prior to commencement of any loan that our partner(s) are able to provide.

A broker fee of up to 12.5% of the loan amount borrowed, capped at £4950, may be payable on completion. Lender fees may also apply. The actual APRC rate available will depend on your individual circumstances. Loans and remortgages are subject to status. Please ask for a personalised illustration. Loans are secured on property.

Fees will only be payable where further services from our partner are requested and depending on the solution, costs may vary.


When we introduce you to Norton Finance, please be aware you are subject to their terms conditions and privacy policy.


Apply4Loan.co.uk is a trading name of Ruby Holdings Ltd.

All information and services provided by Ruby Holdings Ltd are free of charge.

Ruby Holdings Ltd Registered office: Suite 3, 2nd Floor, Didsbury House 748 – 754 Wilmslow Road

Manchester. M20 2DW


Data Protection Number: ZA130896

Financial Conduct Authority Reference Number: 763879

Registered in England and Wales, Company Registration Number: 09496123

By submitting an enquiry, you confirm that you have consented to being contacted by Apply4Loan.co.uk (Trading name of Ruby Holdings Limited) and/or our partners so therefore we may contact you by post, phone, WhatsApp and email however you can OPT-OUT at any time by informing us or our partners directly.

Please refer to our privacy policy for a list of partners and their contact details.

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