Cookie Policy

Last Updated: January 15, 2026

1. Introduction

Adverse Mortgages (operated by Kieran Peterson) uses cookies and similar tracking technologies on our website to enhance your experience, analyze usage patterns, and deliver targeted advertising. This Cookie Policy explains what cookies are, how we use them, and your choices regarding their use.

Please read this policy carefully. By continuing to use our website, you consent to our use of cookies as described in this policy.

2. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website. They allow websites to:

• Remember your preferences and settings
• Track your browsing behavior
• Analyze website usage
• Deliver personalized content and advertising

Cookies can be either session cookies (deleted when you close your browser) or persistent cookies (stored for a longer period).

3. Types of Cookies We Use

3.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable:

• Form submission and data processing
• Security and fraud prevention
• Session management

Examples: Session identifiers, security tokens

Consent Required: No (these are necessary for website functionality)

3.2 Analytics Cookies

These cookies help us understand how users interact with our website. They collect information about:

• Pages visited
• Time spent on pages
• User interactions
• Referral sources
• Device and browser information

Provider: Google Analytics (Google LLC)

Purpose: To analyze website traffic, user behavior, and improve our services

Data Retention: Google Analytics retains data for 26 months by default

Consent Required: Yes

3.3 Advertising Cookies

These cookies are used to deliver targeted advertising and measure advertising effectiveness. They allow:

• Tracking of user interests
• Delivery of relevant ads
• Measurement of ad performance
• Remarketing to users who have visited our website

Provider: Google Ads (Google LLC)

Purpose: To display relevant advertisements and track conversion

Data Retention: Varies by cookie type (typically 90 days to 2 years)

Consent Required: Yes

3.4 Third-Party Cookies

We may allow third-party service providers to place cookies on your device for:

• Website analytics
• Advertising and marketing
• Customer support
• Website optimization

Third-Party Providers:

• Google LLC (Analytics, Ads)
• Email service providers
• Website hosting providers

4. How We Use Cookie Data

We use cookie data for:

• Website Improvement: Understanding user behavior to optimize website design and functionality
• Performance Monitoring: Tracking website performance and identifying technical issues
• Personalization: Remembering your preferences and settings
• Analytics: Analyzing traffic patterns and user engagement
• Advertising: Delivering relevant ads based on your interests and browsing history
• Fraud Prevention: Detecting and preventing fraudulent activity

5. Cookie Consent

5.1 Consent Management

When you first visit our website, you will be presented with a cookie consent banner.

This banner appears at the bottom of the page and allows you to:

• Accept all cookies (essential, analytics, and advertising)
• Reject non-essential cookies (only essential cookies will be used)
• Manage your preferences in detail

Your cookie preferences are stored for 365 days, after which you will be asked to confirm your choices again.

5.2 Changing Your Preferences

You can change your cookie preferences at any time by:

• Visiting our cookie settings page
• Clearing your browser cookies and revisiting the website
• Contacting us at [email protected]

6. Browser Controls and Third-Party Tools

6.1 Browser Settings

Most browsers allow you to control cookies through settings. You can:

• Block all cookies
• Allow only certain cookies
• Delete cookies when you close your browser
• Receive notifications when cookies are set

Note: Disabling essential cookies may prevent the website from functioning properly.

6.2 Opt-Out Tools

You can opt out of Google Analytics and Google Ads tracking:

Google Analytics Opt-Out:

• Install the Google Analytics Opt-Out Browser Add-on
• Visit: https://tools.google.com/dlpage/gaoptout

Google Ads Opt-Out:

• Visit Google's Ad Settings: https://adssettings.google.com
• Manage your ad preferences and opt out of personalized ads

6.3 Do Not Track (DNT)

Some browsers include a "Do Not Track" feature. We do not currently respond to DNT signals, but we respect your privacy choices through our cookie consent mechanism.

7. Data Sharing with Third Parties

7.1 Google Analytics

We use Google Analytics to understand website usage. Google Analytics collects:

• IP address (anonymized)
• Pages visited
• Time on site
• Device and browser information
• Geographic location (country/city level)

Google's Privacy Policy: https://policies.google.com/privacy

Data Processing Agreement: Google is a Data Processor under GDPR

7.2 Google Ads

We use Google Ads for remarketing and advertising. Google Ads may collect:

• Browsing history
• Interests and preferences
• Device information
• Conversion data

Google's Privacy Policy: https://policies.google.com/privacy

Remarketing Notice:

If you visit our website but do not submit the consultation form, you may see our advertisements on other websites you visit later. This is called 'remarketing' or 'retargeting.' These ads are delivered through the Google Display Network.

You can opt out of remarketing by:

• Visiting Google's Ad Settings: https://adssettings.google.com
• Using the Google Ads Opt-out Browser Add-on
• Adjusting your cookie preferences on our website

7.3 Email Service Provider

Your email address (if provided through the form) may be used for:

• Form notifications
• Service updates
• Marketing communications (with consent)

8. International Data Transfers

Cookies and analytics data may be transferred to and processed in countries outside the UK, including the United States. We ensure appropriate safeguards are in place for international transfers, including:

• Standard Contractual Clauses (SCCs)
• Adequacy decisions
• Your explicit consent

9. Cookie Retention

• Essential Cookies: Deleted when you close your browser or after session ends
• Analytics Cookies: Retained for up to 26 months (Google Analytics default)
• Advertising Cookies: Retained for 90 days to 2 years depending on cookie type
• Persistent Cookies: Retained until you delete them or they expire

10. Your Rights

You have the right to:

• Know what cookies are used on our website
• Control which cookies are placed on your device
• Access information about cookies
• Request deletion of cookies
• Opt out of analytics and advertising cookies
• Lodge a complaint with the Information Commissioner's Office (ICO)

11. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

• Changes in cookie usage
• New cookies or technologies
• Legal or regulatory requirements
• Improvements to our services

We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date.

12. Contact Us

If you have questions about our use of cookies or wish to exercise your rights, please contact us:

13. Additional Resources

For more information about cookies and privacy, visit:

• Information Commissioner's Office (ICO): https://ico.org.uk/for-the-public/personal-data/
• All About Cookies: https://www.allaboutcookies.org/
• Your Online Choices: https://www.youronlinechoices.eu/

End of Cookie Policy