Quick Biz Loans — Cookie Policy
Effective date: January 2025
This Cookie Policy explains how CRUZ LICCARDO STUDIO LTD ("we") uses cookies and similar technologies on our Quick Biz Loans brand website. It should be read with our Privacy Notice.
Corporate‑only scope: We introduce UK‑registered Limited Companies and LLPs to FCA‑authorised lenders/brokers. We do not serve sole traders or ordinary partnerships. Our site is designed to avoid loading any non‑essential cookies until an eligible corporate user passes our business‑type gate and gives consent (where required).
1) What are cookies and similar tech?
- Cookies are small text files saved on your device.
- LocalStorage/SessionStorage store data in your browser.
- Pixels/Tags/SDKs are small code snippets used for analytics or advertising.
We group them as:
Strictly necessary – needed for the site to function (security, load‑balancing, consent storage).
Preferences – remember choices (e.g., cookie settings).
Analytics – measure site usage.
Advertising – measure/optimise ads and audiences.
2) Our default stance (important)
Before eligibility (Ltd/LLP gate): we use only strictly‑necessary cookies and do not load analytics/advertising tags.
After eligibility is confirmed (Ltd/LLP) and, where required, consent is obtained: we may load analytics. Advertising/retargeting tags are off by default and load only if you consent.
You can change your choices anytime via the Manage Cookies link (footer) or in our banner.
3) Your choices
- Banner: On first visit we present a cookie banner with Accept All, Reject Non‑essential, and Manage Settings options.
- Preferences panel: Toggle categories (Preferences, Analytics, Advertising). Strictly necessary cannot be disabled.
- Withdraw consent: Use the Manage Cookies link at any time.
- Browser controls: You can block or delete cookies in your browser settings. Blocking may impact site features.
4) Cookies we use (representative)
This list reflects how our site is configured. We review it periodically. Names may vary by provider.
| Cookie | Category | Purpose | Expiry | Provider |
|---|---|---|---|---|
| `qbl_consents` | Preferences | Stores your cookie choices (on/off per category) | 6–12 months | Quick Biz Loans |
| `qbl_session` | Strictly necessary | Session continuity / security token | Session / <24h | Quick Biz Loans |
| `__cf_bm` / `cf_*` | Strictly necessary | Bot management / CDN performance (if Cloudflare used) | <24h | Cloudflare |
| `_ga` / `_ga_*` | Analytics (optional) | Google Analytics metrics (if enabled post‑gate) | 13 months | |
| `_gid` | Analytics (optional) | GA short‑term session metrics (if enabled post‑gate) | 24 hours | |
| `_hjSessionUser_*` | Analytics (optional) | Experience analytics (if Hotjar used) | 365 days | Hotjar |
| `_fbp` | Advertising (optional) | Meta Ads measurement/retargeting (if consented post‑gate) | 90 days | Meta |
| `_ttp` | Advertising (optional) | TikTok Ads measurement (if consented post‑gate) | 13 months | TikTok |
| `_gcl_au` | Advertising (optional) | Google Ads conversion (if consented post‑gate) | 90 days |
Placeholders: If you do not use any of the optional providers, remove them before publishing. Add any additional tools you actually deploy (e.g., HubSpot, LinkedIn Insight Tag) with name, purpose and expiry.
5) Lawful basis & PECR
- Strictly necessary cookies: used under legitimate interests (they are essential to provide the service you request).
- Preferences, Analytics, Advertising: require your consent under UK PECR. We will not set these unless you opt in via the banner/panel (or choose "Accept All").
- For B2B electronic marketing, we comply with PECR rules for corporate subscribers and always include an opt‑out (see Privacy Notice).
6) Retention
Exact durations depend on the provider; see their documentation for details.
7) Third parties
When you follow links to Partner lender/broker websites, their cookies and policies apply. We do not control third‑party sites. Review their cookie policies.
8) Changes to this policy
We may update this policy. Changes take effect when posted with an updated Effective date above. Material changes may be highlighted on the site.
9) Contact
Questions about cookies? Contact privacy@quickbizloans.co.uk or write to Privacy Team, CRUZ LICCARDO STUDIO LTD, 167-169 Great Portland Street, London, W1W 5PF, UK.
Quick summary
- No non‑essential cookies or tracking before the Ltd/LLP eligibility gate.
- After the gate: Analytics only if enabled; Advertising only with consent.
- Change your choices any time via Manage Cookies in the footer.