Advance Funds Network Cookie Policy

Advance Funds Network Limited (“we,” “us,” or “our”) uses cookies and similar tracking technologies on our website to ensure proper site performance, enhance user navigation, analyze usage patterns, and support our commercial finance brokerage operations.

This Cookie Policy explains what cookies are, the categories of cookies we deploy, how we obtain your consent through our Consent Management Platform (Osano), and how you can manage or adjust your cookie preferences at any time.

This policy should be read alongside our Privacy Policy and Website Terms of Business.

1. What Are Cookies?

Cookies are small text files that are stored on your computer, tablet, or mobile device when you visit a website. They allow the website to recognize your device, remember your session and preferences, and collect anonymous or pseudonymous information about your browsing activity.

Cookies may be set directly by us (“first-party cookies”) or by external technology vendors and analytics partners whose services run on our pages (“third-party cookies”).

2. How We Manage Cookie Consent (Osano CMP)

In accordance with the Privacy and Electronic Communications Regulations 2003 (PECR) and the UK GDPR, we do not deploy non-essential cookies onto your device unless you have provided prior, affirmative opt-in consent.

We use Osano, an industry-standard Consent Management Platform (CMP), to give you complete transparency and control over the cookies placed on your device:

• Initial Visit Banner: When you first visit our website, you are presented with a consent banner allowing you to accept all cookies, reject all non-essential cookies, or customize your preferences by category.
• No Pre-Ticked Boxes: Non-essential categories are unchecked by default.
• Changing Preferences Anytime: You can re-open the Osano cookie settings and modify or revoke your consent at any time by clicking the “Cookie Preferences” link located in the footer of every page on our website.

3. Categories of Cookies We Use

A. Strictly Necessary Cookies (Essential)

These cookies are technically required for our website to function securely and properly. They enable fundamental features such as page navigation, secure session management, and storing your cookie consent choices.

• Lawful Basis: Necessary for the performance of our website and our legitimate interest in providing a secure, operational commercial portal.
• Consent Required: No. Under UK PECR Regulation 6, strictly necessary cookies are exempt from the consent requirement.

B. Analytics & Performance Cookies

These cookies collect aggregated, pseudonymous data about how visitors interact with our site—including pages visited, time spent per page, bounce rates, and traffic sources. We use this information to measure site performance, optimize user flows, and improve our services.

• Lawful Basis: Consent.
• Consent Required: Yes. These cookies will only execute if you grant opt-in consent via the Osano banner.

C. Functionality Cookies

These cookies enable enhanced functionality and personalization, such as remembering your language preferences, currency choices, or pre-filling basic commercial eligibility selections you made during a prior visit.

• Lawful Basis: Consent.
• Consent Required: Yes. These cookies will only execute if you grant opt-in consent via the Osano banner.

D. Marketing & Advertising Cookies

These cookies track your browsing activity across websites to help us deliver relevant commercial finance advertisements, evaluate campaign performance, and measure affiliate referral attribution.

• Lawful Basis: Consent.
• Consent Required: Yes. These cookies will only execute if you grant opt-in consent via the Osano banner.

4. How Long Do Cookies Last?

• Session Cookies: Temporary cookies that expire and are deleted automatically when you close your browser.
• Persistent Cookies: Remain on your device for a specified duration or until manually deleted. Persistent analytics and marketing identifiers on our website are retained for up to 14 months.

5. Managing Cookies in Your Browser

In addition to using our Osano cookie banner, you can configure your web browser to block, restrict, or delete cookies. Please note that disabling strictly necessary cookies may impact website performance and prevent you from submitting finance applications.

6. Contact Us

If you have questions regarding this Cookie Policy or our use of tracking technologies, please contact our Data Protection team:

• By Email: [email protected]
• By Post: Data Protection, Advance Funds Network Limited, Paternoster House, 65 St. Paul’s Churchyard, London EC4M 8AB