At Umbrella Credit LTD we understand that most people are not familiar with the name Cookies and that it may sound alien to them. So we would like to try an explain in simple terms what it means and why we and so many in the online industry use it.  We hope this information helps you to understand.

• When you visit a site that uses cookies for the first time, a cookie is downloaded onto your PC. The next time you visit that site, your PC checks to see if it has a cookie that is relevant (that is, one containing the site name) and sends the information contained in that cookie back to the site.

   

• The site then ’knows’ that you have been there before, and in some cases, tailors what pops up on the screen to take account of that fact. For instance, it can be helpful to vary content according to whether this is your first ever time to visit the site – or your 71st.

   

• Some cookies are more sophisticated. They might record how long you spend on each page on a site, what links you click, even your preferences for page layouts and colour schemes. They can also be used to store data for eCommerce.

   

• The possibilities are endless, and generally, the role of cookies is beneficial, making your interaction with frequently-visited sites smoother – for no extra effort on your part. Without cookies, eCommerce would be much harder.

   

• If you choose to continue to browse our site without opting out, we will assume that you’re happy with our use of cookies and will continue to use them throughout your visit.

We at Umbrella Credit LTD recognise the importance to protect and manage all our clients’ information you share with us. With the use of the highest computer system, data encryption, firewalls, holding a high controlled level of physical access controls to our buildings and files, and only give authorisation to employees cleared and required to carry out their role within the company. When you share data with us through our website, all that information is protected by secure socket layer (SSL) encryption. Our security and system meet or exceed industry standards and we are on constant alert to changes online and developments to ensure all our systems are up to date and current.