Cookie Policy
We use cookies to help improve your experience of https://www.loansctk.gi/. This cookie policy is part of CTK Limited’s privacy policy, and covers the use of cookies between your device and our site. We also provide basic information on third-party services we may use, who may also use cookies as part of their service, though they are not covered by our policy.
If you don’t wish to accept cookies from us, you should instruct your browser to refuse cookies from https://www.loansctk.gi/, with the understanding that we may be unable to provide you with some of your desired content and services.
What is a cookie?
A cookie is a small piece of data that a website stores on your device when you visit, typically containing information about the website itself, a unique identifier that allows the site to recognise your web browser when you return, additional data that serves the purpose of the cookie, and the lifespan of the cookie itself.
Cookies are used to enable certain features (eg. logging in), to track site usage (eg. analytics), to store your user settings (eg. timezone, notification preferences), and to personalise your content (eg. advertising, language).
Cookies set by the website you are visiting are normally referred to as “first-party cookies”, and typically only track your activity on that particular site. Cookies set by other sites and companies (ie. third parties) are called “third-party cookies”, and can be used to track you on other websites that use the same third-party service.
Types of cookies and how we use them
Essential cookies
Essential cookies are crucial to your experience of a website, enabling core features like user logins, account management, shopping carts and payment processing. We use essential cookies to enable certain functions on our website.
Performance cookies
Performance cookies are used in the tracking of how you use a website during your visit, without collecting personal information about you. Typically, this information is anonymous and aggregated with information tracked across all site users, to help companies understand visitor usage patterns, identify and diagnose problems or errors their users may encounter, and make better strategic decisions in improving their audience’s overall website experience. These cookies may be set by the website you’re visiting (first-party) or by third-party services. We use performance cookies on our site.
Functionality cookies
Functionality cookies are used in collecting information about your device and any settings you may configure on the website you’re visiting (like language and timezone settings). With this information, websites can provide you with customised, enhanced or optimised content and services. These cookies may be set by the website you’re visiting (first-party) or by third-party service. We use functionality cookies for selected features on our site.
Targeting/advertising cookies
Targeting/advertising cookies are used in determining what promotional content is more relevant and appropriate to you and your interests. Websites may use them to deliver targeted advertising or to limit the number of times you see an advertisement. This helps companies improve the effectiveness of their campaigns and the quality of content presented to you. These cookies may be set by the website you’re visiting (first-party) or by third-party services. Targeting/advertising cookies set by third-parties may be used to track you on other websites that use the same third-party service. We use targeting/advertising cookies on our site.
Third-party cookies on our site
We may employ third-party companies and individuals on our websites—for example, analytics providers and content partners. We grant these third parties access to selected information to perform specific tasks on our behalf. They may also set third-party cookies in order to deliver the services they are providing. Third-party cookies can be used to track you on other websites that use the same third-party service. As we have no control over third-party cookies, they are not covered by CTK Limited’s cookie policy.
Our third-party privacy promise
We review the privacy policies of all our third-party providers before enlisting their services to ensure their practices align with ours. We will never knowingly include third-party services that compromise or violate the privacy of our users.
List of Cookies
WordPress Necessary Cookies
| WordPress Cookie Name | Duration | Purpose | Logged-in Users Only? |
|---|---|---|---|
| wordpress_{hash} | WordPress uses the login wordpress_{hash} cookie to store authentication details. Its use is limited to the Administration Screen area, /wp-admin/ | Yes | |
| wordpress_logged_in_{hash} | Session | Remember User session. WordPress sets the after login wordpress_logged_in_{hash} cookie, which indicates when you’re logged in, and who you are, for most interface use. | Yes |
| wordpres_test_cookie | Session | Test if cookie can be set. WordPress also sets wordpress_test_cookie cookie to check if the cookies are enabled on the browser to provide appropriate user experience to the users. This cookie is used on the front-end, even if you are not logged in. | No |
| wp-settings-{user_id} | 1 year | Customization cookie. Used to persist a user’s wp-admin configuration. The ID is the user’s ID. This is used to customize the view of admin interface, and possibly also the main site interface. | Yes |
| wp-settings-time-{user} | 1 year | Time at which wp-settings-{user} was set | Yes |
| wp-saving-post | 1 day | Auto-saving cookie: wp-saving-post is a WordPress cookie created when auto-saving a post in the editor. Used to track if there is saved post exists for a post currently being edited. If exists then let user restore the data. | Yes |
| wp-postpass_{hash} | 10 days | Used to maintain session if a post is password protected | No |
| wordpress_sec | There is not yet any general information about this cookie based on its name only. | Yes |
Other cookies
| Name | Description | Duration | Type |
|---|---|---|---|
| __utma | Google Analytics sets this cookie to distinguish users and sessions. The cookie is created when the JavaScript library executes and there are no existing __utma cookies. The cookie is updated every tiDuration sent to Google Analytics. | 1 yeType4 days | Performance |
| __utmb | Google Analytics sets this cookie to determine new sessions/visits. __utmb cookie is created when the JavaScript library executes and there are no existing __utma cookies. It is updated every time data is sent to Google Analytics. | 30 minutes | Performance |
| __utmc | Google Analytics sets this cookie to enable interoperability with urchin.js, an older version of Google Analytics and is used in conjunction with the __utmb cookie to determine new sessions/visits. It is deleted when the user closes the browser. | session | Performance |
| __utmz | Google Analytics sets this cookie to store the traffic source or campaign by which the visitor reached the site. | 6 months | Performance |
| __utmt | Google Analytics sets this cookie to inhibit the request rate. | 10 minutes | Performance |
| _ga_* | Google Analytics sets this cookie to store and count page views. | 1 year 1 month 4 days | Analytics |
| _ga | Google Analytics sets this cookie to calculate visitor, session and campaign data and track site usage for the site’s analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors. | 1 year 1 month 4 days | Analytics |
| _gid | Google Analytics sets this cookie to store information on how visitors use a website while also creating an analytics report of the website’s performance. Some of the collected data includes the number of visitors, their source, and the pages they visit anonymously. | 1 day | Analytics |
| _gat_gtag_UA_* | Google Analytics sets this cookie to store a unique user ID. | 1 minute | Analytics |
| _GRECAPTCHA* | Google Recaptcha service sets this cookie to identify bots to protect the website against malicious spam attacks. | 5 months 27 days | Analytics |
How you can control or opt out of cookies
If you do not wish to accept cookies from us, you can instruct your browser to refuse cookies from our website. Most browsers are configured to accept cookies by default, but you can update these settings to either refuse cookies altogether, or to notify you when a website is trying to set or update a cookie.
If you browse websites from multiple devices, you may need to update your settings on each individual device.
Although some cookies can be blocked with little impact on your experience of a website, blocking all cookies may mean you are unable to access certain features and content across the sites you visit.