Cookies policy.

Cookies policy.

Cookies Policy

Last updated: [insert date]

This Cookies Policy explains how Apply4Loan.co.uk uses cookies and similar technologies when you visit our website.


1. What are cookies?

Cookies are small text files placed on your device when you visit a website. They help websites function properly, remember your preferences, understand how visitors use the site, and support services such as analytics, advertising, and website optimisation.


Cookies can be:

  • First-party cookies — set by our website

  • Third-party cookies — set by third-party services we use on our website


Some cookies are deleted when you close your browser. Others remain on your device for a set period unless you delete them earlier.

In this policy, references to “cookies” also include similar technologies such as pixels, tags, and local storage where relevant.


2. Who we are

Apply4Loan.co.uk is operated by Ruby Holdings Ltd.

For any questions about this Cookies Policy or how we use cookies and similar technologies, please contact us at:

Email: [insert correct privacy/compliance email address]


3. Why we use cookies

We use cookies and similar technologies to:

  • make our website work properly

  • maintain website security

  • remember your preferences

  • understand how visitors use our website

  • measure the effectiveness of advertising campaigns

  • improve website performance and usability

  • test different versions of content and page layouts


4. Categories of cookies we use


4.1 Strictly necessary cookies

These cookies are essential for the operation of the website. They enable core functionality such as page navigation, security, fraud prevention, form submission, and saving privacy preferences.

Because these cookies are necessary for the website to function, they do not require consent.


4.2 Analytics / performance cookies

These cookies help us understand how visitors use our website, for example which pages are visited most often, how users move through the site, and whether users encounter errors.

These cookies are only used if you give us consent.


4.3 Advertising / targeting cookies

These cookies help us measure the effectiveness of our marketing and may be used to show advertising that is more relevant to you on other platforms and websites.

These cookies are only used if you give us consent.


4.4 Testing / optimisation cookies

These cookies help us test different versions of pages, content, and layouts so we can improve the website experience and performance.

These cookies are only used if you give us consent.


5. Legal basis for using cookies

We use cookies in accordance with the Privacy and Electronic Communications Regulations 2003 (as amended). Where personal data is collected through cookies or similar technologies, we also process that data in accordance with the UK


General Data Protection Regulation and the Data Protection Act 2018.

  • Strictly necessary cookies are used because they are required for the operation, security, and core functionality of the website.

  • Analytics, advertising, and testing cookies are only used where you have given your consent through our cookie banner or cookie settings tool.


You do not need to accept non-essential cookies to use our website.


6. How we obtain and manage your consent

When you first visit our website, you will be shown a cookie banner that allows you to:

  • accept all cookies

  • reject non-essential cookies

  • manage your cookie preferences


We do not place non-essential cookies on your device unless and until you give your consent.

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

Changes to your cookie preferences apply going forward. They do not automatically delete cookies already stored on your device. You can remove existing cookies using your browser settings.


7. Cookies and similar technologies we use

The exact cookies used may change from time to time as we update the services and tools used on our website. The table below sets out the categories of cookies and the main tools we use or may use.


7.1 Testing / optimisation cookies


Cookie / TechnologyProviderPurposeTypeDuration[insert VWO cookie names]VWORuns A/B tests and records which page version a visitor seesThird-party[expiry][insert additional cookies][provider]Measures experiment performance and user interactionThird-party[expiry]


8. Third-party services we use

We may use the following third-party services on our website:

Google Analytics and Google Ads

These services help us understand website traffic, user behaviour, conversions, and advertising performance. They may collect information such as browser type, device information, pages viewed, approximate location derived from IP address, and interactions with the website.

Meta Pixel

Meta Pixel helps us measure the effectiveness of Facebook and Instagram advertising and understand actions taken on our website after a visitor has interacted with one of our ads.

TikTok Pixel

TikTok Pixel helps us measure advertising performance, track conversions, and optimise campaigns run through TikTok.

Microsoft Ads Universal Event Tracking (UET)

Microsoft Ads UET helps us measure the effectiveness of advertising delivered through Microsoft Ads and understand how users interact with the website after clicking an advert.

VWO (Visual Website Optimizer)

VWO helps us test different versions of pages and content so we can improve usability, performance, and conversion journeys.

These third parties may process information collected through cookies or similar technologies in accordance with their own privacy and cookie notices.


9. How long cookies remain on your device

Cookies may remain on your device for different lengths of time depending on their purpose.

  • Session cookies are deleted when you close your browser.

  • Persistent cookies remain on your device until they expire or are deleted manually.


The duration of cookies used on our website may vary from the length of your browsing session up to 24 months, depending on the cookie and its purpose.


10. How to control cookies

On our website

You can accept, reject, or manage non-essential cookies using our cookie banner and the “Cookie Settings” link in the footer of the website.

In your browser

Most browsers also allow you to manage cookies through browser settings. You can usually block or delete cookies at any time.

You can find guidance from your browser provider here:

  • Google Chrome

  • Safari

  • Firefox

  • Microsoft Edge

Disabling strictly necessary cookies may affect the operation of the website. Disabling other cookies may affect certain features, services, or performance.


11. Changes to this Cookies Policy

We may update this Cookies Policy from time to time to reflect changes in law, guidance, technology, or the cookies and services used on our website.

When we make changes, we will update the Last updated date at the top of this page.


12. Contact us

If you have any questions about this Cookies Policy or how we use cookies and similar technologies, please contact us at: contact@apply4loan.co.uk



Please review this page regularly to stay informed.

Logo

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.


Apply4Loan.co.uk is a credit broker and introducer, not a lender.
We help introduce customers to selected third-party providers of secured homeowner loans.
Checking your eligibility with us will not affect your credit score. If you choose to proceed, a lender or broker partner may later carry out a hard credit search.
There is no fee for making an enquiry with Apply4Loan. If you proceed with a brokered loan through one of our partners, broker and lender fees may apply. We will explain clearly who charges any fee, when it becomes payable, and whether any refund rights apply before you proceed.


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.

Other pages

Privacy policy

Terms & conditions

Cookies Policy

Complaints

Contact

Logo

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.


Apply4Loan.co.uk is a credit broker and introducer, not a lender.
We help introduce customers to selected third-party providers of secured homeowner loans.
Checking your eligibility with us will not affect your credit score. If you choose to proceed, a lender or broker partner may later carry out a hard credit search.
There is no fee for making an enquiry with Apply4Loan. If you proceed with a brokered loan through one of our partners, broker and lender fees may apply. We will explain clearly who charges any fee, when it becomes payable, and whether any refund rights apply before you proceed.


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.

Other pages

Privacy policy

Terms & conditions

Cookies Policy

Complaints

Contact

Logo

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.


Apply4Loan.co.uk is a credit broker and introducer, not a lender.
We help introduce customers to selected third-party providers of secured homeowner loans.
Checking your eligibility with us will not affect your credit score. If you choose to proceed, a lender or broker partner may later carry out a hard credit search.
There is no fee for making an enquiry with Apply4Loan. If you proceed with a brokered loan through one of our partners, broker and lender fees may apply. We will explain clearly who charges any fee, when it becomes payable, and whether any refund rights apply before you proceed.


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.

Other pages

Privacy policy

Terms & conditions

Cookies Policy

Complaints

Contact