Zopa cookie policy

Zopa uses cookies to improve the performance of the Lending Platform and give you a better experience. This cookie policy explains what types of cookie we use, why, and how to identify and delete them.

What are cookies?

Cookies are small text files, which are stored on your computer, mobile or tablet when you visit websites. The cookies we use can't harm your computer and we don't ever store sensitive data, such as bank details, in cookies.

Why do we use cookies?

Cookies serve many functions but in general cookies on the Lending Platform are used to:

  1. provide you with the services we've agreed to provide you in accordance with the Zopa Principles
  2. recognise you next time you visit so we can provide you with relevant information about Zopa
  3. provide you with marketing messages that are relevant to you,
  4. generally, to improve your experience of using the lending platform.

How do we use cookies?

Strictly necessary cookies

Some cookies are essential for the operation of the lending platform. These cookies allow us to keep you signed in, so you can move through the various parts of the platform without having to continually enter your details. These cookies don't gather information about you that could be used for marketing or remembering where you've been on the internet.

Without these cookies, services you've asked for, like applying for a product, can't be provided.

Functionality cookies

These cookies allow Zopa's websites to remember choices you make (such as your username or region) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. Other examples include cookies that keep track of your progress when filling online application forms.

Performance cookies

Performance cookies collect information about how you use the lending platform e.g. which pages you visit, and if you experience any errors. These cookies don't collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how the lending platform works, understand what interests our users and measure how effective our advertising is. Some of the performance cookies we use are issued as part of services provided by selected third parties, like Google Analytics.

Without these cookies we can't learn how the lending platform is performing and make relevant improvements that would improve your browsing experience.

Targeting cookies

These cookies and similar technologies gather information about your browsing habits. They remember that you visited our website, the pages you've visited and the links you've followed. They're used by us and third parties we've partnered with for the following purposes:

  1. To identify whether and when you've seen or clicked on a Zopa advert on a third-party website and to enable us to target our advertising to you on other websites after you've visited our website.
  2. To help us measure brand awareness and the effectiveness of our online advertising activities.
  3. To enable third parties to combine the information collected about your activity on our website with information about your activities on other websites to provide you with adverts that are more relevant to you.

Users can set their browsers to accept or reject all, or certain, cookies. Also, as most of this cookies are managed by third parties you may alternatively use the third parties' own tools to prevent these cookies.

If you would like more information about how to manage cookies, please see the section below headed, 'How to manage and disable cookies'.

How long cookies last (expiration)

Session cookies

Session cookies last for the duration of your visit to our website and are deleted on exit. We use session cookies to maintain the link between our web server and your device so that you can move between various pages on our website without having to log in each time. They also help maintain security by logging you out of your account after a period of inactivity.

Persistent cookies

Persistent cookies remain on your device until they expire or are deleted. We use persistent cookies to remember your preferences and actions across our website. If you are a Zopa investor or loan customer we also use persistent cookies to identify you by account ID, name, email address and location.

How to manage analytics cookies

You can opt out of having your anonymised browsing activity within websites recorded by analytics cookies. We use the following service providers and you can learn more about their privacy policies and how to opt-out of their cookies by clicking on the following links:

Cookies and email

We also use cookies and similar technologies in some email and push notifications. These help us understand whether you've opened the email and how you've interacted with it. They also help us to display emails in the best format for your device.

Cookies may also be set on your device if you've enabled images or clicked on any link within the email. These help us to tailor future messages to you.

If you don't want to accept cookies in emails, you can set your browser to accept or reject cookies, or you can close the email before downloading any images or clicking any links.

For more information go to our Privacy Policy.

How to manage and disable cookies

If you wish to restrict or block web browser cookies which are set on your device then you can do this through your browser settings; the Help function within your browser should tell you how. Alternatively, you may wish to visit aboutcookies.org or wikiHow which contain information on how to do this.

If you limit the ability of our websites to set cookies, this may prevent you from using certain features of our website properly and your user experience – which will no longer be personalised for you – may deteriorate. You may also be able to opt out from certain cookies through third party cookie management sites. Disabling cookies may prevent you from using certain parts of our website. If you delete your cookies from the browser, you may need to remember to re-install opt-out cookies.

Please note: Zopa lending services, require cookies to be enabled in order for the service to function properly. If you disable cookies, you will not be able to use our lending services.

We're here to help

Monday to Thursday (8am to 8pm), and Friday (8am to 5pm).

Email: contactus@zopa.com

Telephone: 020 7580 6060 for loans

Telephone: 020 7291 8331 for investments

We can't take applications over the phone. UK residents only. Calls may be monitored or recorded.