Our Cookie Policy

At Morses Club PLC, we realise that many people may not be familiar with cookies and other similar technologies, and we want to shed some light on what they are and how they're used. Helping you understand cookies a little more will help you to make informed decisions about your cookie preferences.

What are cookies and how do we get your consent?

A "cookie" is a text file containing small amounts of information which a server downloads to your personal computer (PC), smartphone, mobile or other electronic internet-enabled device when you visit a website. The server then sends a cookie back to the originating website each time you subsequently visit it, or if you visit another website which recognises that cookie. When you first visit our website from your computer or other device, you will see a cookies consent banner. This alerts you to the fact that we use cookies. If you choose to continue to browse the site and unless and until you change your browser settings by opting out (details below about how to do this), we will assume that you are happy with our use of cookies and will continue to use them throughout your visit until such time as you disable cookies (further details below about how to do this).

What cookies do we use here on morsesclub.com?

We use Cookies on the Morses Club website to make sure that we're providing you with the best possible experience, to monitor the effectiveness of our advertising or to bring you personalised functionality.

Here is a full list of the Cookies we're currently using.

Cookie name Description
morsesclub Session data, required for functionality
XSRF-TOKEN Session data, required for functionality
accepted_cookies allows you to accept or decline cookies
id DoubleClick
IDE DoubleClick
_dc DoubleClick
_ga Google Analytics
_gat_UA-40356495-2 Google Analytics
_vwo_uuid_v2 Visual Website Optimizer
_gali click4assistance
C4ATBWid click4assistance
C4ATBCookie click4assistance
C4ATBChat click4assistance
APISID Google services i.e. Google Maps, Google reCAPTCHA
CONSENT Google services i.e. Google Maps, Google reCAPTCHA
HSID Google services i.e. Google Maps, Google reCAPTCHA
NID Google services i.e. Google Maps, Google reCAPTCHA
SAPISID Google services i.e. Google Maps, Google reCAPTCHA
SID Google services i.e. Google Maps, Google reCAPTCHA
SSID Google services i.e. Google Maps, Google reCAPTCHA

We also use local storage to allow us to monitor customer preferences.

  • clubCard
  • receiveEmail
  • receivePhone
  • receiveSMS
  • receiveLetter
  • marketResearch

Data stored in session storage gets cleared when the page session ends. A page session lasts for as long as the browser is open.

We may update this list from time to time so you should revisit this Cookie Policy regularly. Steps will be taken to draw this to the user’s attention and to collect appropriate new consents at that time, where necessary. See below on how to remove cookies from your machine at any time if you wish to change your mind about permitting cookies.

What do these cookies do?

There are different types of cookies which are used to do different things, such as letting you navigate between different pages on a website efficiently, remembering preferences you have given a website and improving your overall experience. Others are used to provide you with advertising which is more tailored to your interests, or to measure the number of site visits and the most popular pages users visit.

Some of the cookies we use help us to identify and fix errors relating to our website, while others remember the pages and products you look at when you first visited our website – to improve your experience of using our website.

We use session cookies (which expire once you close your web browser). We may also use persistent cookies (these remain on your computer or other device when you close your web browser – until such time as they expire or you delete them).

We have grouped our cookies into the following categories, to make it easier for you to understand why we use them:

Strictly Necessary: these cookies are strictly necessary for the website to work properly and for us to keep to seek it secure. They are needed to allow you to use the website and its features, including to provide your user login details and password and to move between pages of the website.

Functionality: these cookies enable technical performance of the website and allow us to ‘remember’ the choices you make and your preferences. They allow us to give a better online experience, such as to make the login process faster by ‘remembering you’ or your user name when you next access the Portal. They also help us to track performance of the website.

Performance/Analytical: these cookies allow us to collect certain information about how you navigate the website. They help us to understand which parts of the website are interesting to you and which are not as well as what we can do to improve the website. They also help us to identify when lots of people give up on an application process at a particular step – so we can try to make that step easier to use.

Browser settings – including how to disable cookies at any time

Cookies can be removed from your computer (PC) or other device at any time using browser settings but there will still be some deterioration in the service you receive (for example you may not be able to access a page you earlier personalised). In addition, you may find that certain pages on our website do not operate properly (for example you will not be able to use any “remember me” function when accessing your account with us). Your Internet Browser lets you choose whether to accept, not to accept or to be warned before accepting cookies. These can be found in the advanced preferences.

When you use our website you will be using a browser and this means that you can control, block or restrict cookies through your browser settings. Information on how to do this can be found within the Help section of your browser. All cookies are browser specific. Therefore, if you use multiple browsers or devices to access websites, you will need to manage your cookie preferences across all of these elements.

There are also several online resources that can give you more information on cookies and how you can control them within a variety of different web browsers. You can visit either http://www.aboutcookies.org or http://www.allaboutcookies.org for more nformation.

If you are using a mobile device to access our website, you will need to refer to your instruction manual or other help/settings resource in order to find out how you can control cookies on your particular device.

Please note: if you restrict or delete cookies, you may experience a loss of functionality while accessing our website and you will be treated as a first time visitor the next time you visit our website.

Are third party sites covered by this cookie policy?

Third party Internet sites that you visit from Morses Club are not covered by our cookie policy, so please be careful when you navigate to those sites. You should read the cookies policies on those sites. Morses Club accepts no responsibility or liability for these sites.

Can I opt out of Morses Club cookies?

Yes you can. Please see further details above.

Each time you visit our site you can choose to opt-out of having cookies placed on your computer's hard drive using your internet browser.

Session cookies will automatically be deleted when you leave our site, but you can manually remove persistent cookies set by Morses Club and/or third party cookies.

Last updated: 10/04/2017

Representative Example:

£200 loan repayable over 20 weeks at £15.00 per week, Rate of interest 50% fixed; Representative 756.5% APR, Total Amount Payable is £300.

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