Cookie Policy

We want your experience on karfu.com to be quick, simple and easy. Cookies are one of the technologies we use that enable this experience, to allow you to receive personalised information to help you make better mobility decisions.

To make full use of karfu.com’s services, your device (desktop computer, laptop computer, tablet or mobile device) will need to enable cookies.

If you don’t choose to enable cookies on your device, it will limit your experience on karfu.com. In particular, you will not be able to save or retrieve information entered on karfu.com, including personalised searches, shortlists or the pricing or quotes you receive.

In some circumstances, it may mean that you cannot access some of karfu.com’s services at all.

What is a Cookie?

A cookie is a very small text file placed on your device. Cookies allow a device to be identified as corresponding to one that has visited a website previously or accessed another website.

Karfu.com deploys a cookie to the internet browser on your device (for example, Chrome, Safari, Firefox, Internet Explorer or Edge) when you visit the website. We use this cookie to identify you as a user, which then enables information to be stored on the hard drive of your device for quick and easy retrieval when required. This allows us to recognise you as a unique customer to enable personalised experiences and provides us with information about how you use our website so we can improve the experience for all our users.

Cookies are commonly used on the Internet and do not harm your device.

How does Karfu use Cookies?

We have followed the ICC’s UK Cookie guide and use four categories of cookie on karfu.com:

1. Strictly necessary

2. Performance

3. Functionality

4. Targeting and Marketing

Across these four categories, we use two different types of cookies:

• Session cookies

• Persistent cookies

'Session Cookies' only exist for the duration of your visit to our website and are deleted when you leave the website.

'Persistent Cookies' stay on your device until they expire or are deleted.

The majority of our cookies are managed and controlled by karfu.com. These are known as ‘first party cookies’. However, cookies may also be placed by our approved business partners, these are known as 'third party cookies'.

Information on each category of Cookie

1. Strictly necessary Cookies

Strictly Necessary Cookies are required for the operation of our website.

These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these, we cannot guarantee that you will be able to use our websites.

Our use of Strictly Necessary Cookies include:

• Providing search, quotes and account information to you

• Identifying the customer experience and the features used within your session

• Authenticating and verifying web requests

• Ensuring the information entered on karfu.com is secure and not subject to access from third parties

2. Performance Cookies

These cookies collect information about how visitors use karfu.com, for instance, which pages  visitors go to most often, and if they get error messages from web pages.

These cookies do not collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works. Some Performance Cookies are managed for us by third parties, with additional information on third party cookies shown below.

Our use of Performance Cookies includes:

• Collating anonymous aggregated information that is used to manage and plan enhancements to our services

• How you use our website and to assist us in tailoring the website to customer needs

• Measuring advertising effectiveness

3. Functionality Cookies

These cookies are used to provide services (such as videos) or allow the website to remember choices you make (such as your user name, language or the region you are in) to provide enhanced, more personal features.

Our use of Functionality Cookies includes:

• Remembering preferences you have chosen to customise your experience

• Providing live chat functionality

We do not use Functionality Cookies to target you with adverts on other websites.

4. Targeting and Marketing Cookies

Targeting and marketing cookies record your visit to our website, including but not limited to:

• The web pages you have visited;

• the links you have followed;

• when you visited the website; and

• your IP address and device ID.

We use carefully selected and approved advertising and marketing providers (as set out in the table labelled ‘Targeting and Marketing cookie providers’ below) to help us to serve our advertising to users. These providers will place and set the parameters for targeting and marketing cookies on karfu.com and will use them to make sure that our advertising that they serve to you is relevant to your interests and needs.

These cookies collect information about your web browsing activity and allow our providers to track you when you visit different websites, so that they can serve our advertisements to you on those websites. For example:

1. You visit the karfu.com homepage but didn't complete a search

2. The targeting and marketing cookie will collect this information for our provider

3. Our provider will serve you an advertisement on a different website to encourage you to come back to karfu.com and complete a search

Our providers control these cookies and are responsible for how the cookies, and any information collected by the cookies, are used. None of the information collected by the targeting and marketing cookies is shared with us.

Although these cookies do not collect information that you enter into forms on our website (such as your name and email address), we sometimes share your email address, IP address and information about enquires you make following a search, quotes you have obtained or purchases you have made following your personalised recommendations.

If we do share this information it is supplied to our provider in an encrypted form. Our providers can combine this information with the data that their cookies collect to serve our advertisements to audiences that we select. We and our providers also use targeting and marketing cookies to:

• Improve our website, for example by enabling us to understand how our customers interact with our website;

• evaluate the effectiveness of our advertising and promotions on third party websites, for example by tracking whether these advertisements are clicked on by customers and how many times;

• inform the content of marketing emails that we send to you and trigger those emails, where we have your consent to send you these emails. For example, if you have looked at car finance quotes but not taken out finance, these cookies may trigger an email to you to remind you of your quotes and encourage you to come back and take out finance; and

• trigger service support communications to you.

Web beacons and pixel tags

These are similar to cookies and allow us to collect information about how you use our website and help us to offer you the best service. We may use web beacons and pixel tags alongside cookies both on our website and in any emails we send to you. 

Again, web beacons and tags are commonly used across many websites and do not harm your device system. 

Further information can be found at:  https://www.allaboutcookies.org/faqs/beacons.html

Third party Cookies

Some of the cookies on karfu.com are set up on behalf of our third party suppliers. We've listed all of our third party cookies and full details of their purpose below.

If you wish to block or restrict any of the below cookies then please visit www.allaboutcookies.org to find out how.

Remember you may not be able to fully access our service if you do not have cookies enabled on your device (desktop computer, laptop computer, tablet or mobile device).

Essential third party Cookies

We enable these cookies for all visitors to our website. They make sure it functions correctly (for example, allowing you to do a search for offers where you live and to place an order should you choose).

These cookies also make sure that its performance is optimised (for example, helping you find our website in search engines, making sure it can handle lots of visitors at busy times and remembering choices you have made, to save you time and effort).

Google Analytics

Our websites use Google Analytics, which is a web analytics service provided by Google. 

These cookies allow us to use a unique anonymous ID that Google has created.  We use this cookie to generate statistical data on how you use our website so we can see when you purchase a product from one of our suppliers. If you ask us to email you, we use this to recognise if you return to our website to help us offer you a better service.

You can find detailed information about Google’s demographics and interest reporting and how to manage the information they collect here.

You can find detailed information about Google’s privacy policies and how to manage the use of these cookie settings here.  

Cookie name and lifetime of cookie:

• _ga (2 years)

• _gat_europe_unique_urchin (1 minute)

• _gat (1 minute)

• _gid (24 hours)

• _gali (1 year)

Google Marketing Platform and Google Ad Manager

We use these cookies to show us how you found our website and which website you came from, or something else about your journey to our website. This helps us to understand which of our online marketing channels is most effective.

You can find out more about Google’s use of this cookie and how to control its settings here.

Cookie name and lifetime of cookie:

• _gat_europe_unique_urchin (90 days)

Non-essential third party Cookies

These cookies are used to help us improve our website (for example, by seeing how users react to new designs) or to show you relevant advertising from our company or other companies when you visit other websites.

We enable these cookies for all visitors to our website but you can turn off these cookies at any time by using the preference centre at the top of this policy. You can also turn off individual cookies by following the links in the ‘Lifetime of cookie’ notes below.

Google Analytics, Google Marketing Platform and Google Ad Manager

For more information on Google Analytics, please see here.

Google Marketing Platform and Google Ad Manager are online advertising suppliers. Karfu use them to serve our internet advertisements on other websites. Some of our webpages may contain electronic images that help us see how customers interact on these pages.

We use these cookies to show you personalised ads when you visit other websites (for example, to remind you to return to our website to complete an order you have started). They include cookies from AdWords Retargeting and DoubleClick Retargeting.

In addition to the essential use detailed above, this Google Analytics cookie is used with the other two cookies in this section to show you advertising based on other websites you have visited, and information Google may have collected from their services (such as demographics). If you are signed in to your Google account this allows us to identify the type of device through which you accessed our website (smartphone, PC, etc). This cookie also allows us to see whether you have clicked on any of the ads we show.

They may also provide Google Ad Manager with information about the interaction. For more information please see here.  

Cookie name:

• _ga

• _gat

Lifetime of cookie:

• You can control the personalisation setting that Google uses for advertising here.

Hotjar

This website also uses Hotjar to help us to carry out research into the usage of our website.   Hotjar may record your interaction on this website, including recording mouse clicks, mouse movements, page scrolling and text entered into web forms.

These cookies track how you use different pages on our website. They also allow us to run (optional) short questionnaires on the website to get your direct feedback on what you think about our service.

We use this information to test new features in order for us to constantly improve karfu.com and make the website easier to use.

Cookie name:

• _hjIncludedInSample

• _hjMinimizedPolls

• _hjUserId

• _hjDonePolls

• _hjDoneTestersWidgets

• _hjMinimizedTestersWidgets

Lifetime of cookie:

• You can read Hotjar’s privacy policy here and find more about their cookies here.

What happens if you choose to opt out of Cookies?

When you make this preference, we disable all first and third party non-essential cookies and we disable the personalised advertising features of Google’s services, so that we only retain the essential, website performance features Google and Hotjar provides.

If you don’t want to use Cookies at all

You can stop cookies from being deployed on your device by configuring your browser not to accept them or opt-out. If you do this, some parts of our website won’t work at all and others will not work correctly, or it may limit some of the functionality.

To get the best experience from karfu.com, we recommend that you keep cookies enabled. Please be aware that restricting or deleting certain cookies can result in difficulties when navigating karfu.com, even to the point of making the website essentially unusable.

You can use the links below to find out how to manage cookies settings on popular web browsers:

Google Chrome

Microsoft Edge

Mozilla Firefox

Microsoft Internet Explorer

Apple Safari

In addition, if you have used our website with non-essential cookies turned on, and you subsequently wish to turn them off, you may need to delete cookies already placed on your computer by following the instructions specific to your browser below:

For more information on cookies and deletion of cookies please visit:

http://www.allaboutcookies.org/manage-cookies/ 

You can see all the companies that are using advertising personalisation cookies in your browser, and individually turn them off, by using the link below:

http://www.youronlinechoices.com/uk/your-ad-choices