Pepper Advantage Cookie Policy

Welcome to the Cookies Policy of Pepper Global Servicing Management Limited (“Pepper Advantage”).

Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site. A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.

We use the following cookies:

Strictly necessary cookies. These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website, use an account or make use of communication subscription services.
Analytical or performance cookies. These allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
Functionality cookies. These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
Targeting cookies. These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

You can change your cookie references at any time by clicking the ‘Cookie setings’ link on our website. You can then adjust the available sliders to ‘On’ or ‘Off’, then clicking ‘Save and close’. You may need to refresh your page for your settings to take effect.

More information about the individual cookies we use and the purposes for which we use them can be found in the table below:

PROVIDER	COOKIE	DESCRIPTION	SERVICE	STATUS	EXPIRY
Amazon Web Services	AWSELB	General purpose platform session cookie, used by sites written with java based technologies. Usually used to maintain an anonymised user session by the server. Main purpose: Strictly Necessary	https://aws.amazon.com/privacy/	Essential	Session
CLOUDFLARE	__cfduid	Cookie assoiated with sites using CloudFlare, used to speed up page load times. According to CloudFlare it is used to override any security restrictions based on the IP address the visitor is coming from. It does not contain any user identification information. Main purpose: Strictly Necessary	CloudFlare - View Service Privacy Policy	Essential	1 year
GOOGLE	_ga	This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default it is set to expire after 2 years, although this is customisable by website owners. Main purpose: Performance	Google Analytics - View Service Privacy Policy	Non-essential	2 years
	_gat_UA-32710642-1	This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to. It appears to be a variation of the _gat cookie which is used to limit the amount of data recorded by Google on high traffic volume websites. Main purpose: Performance		Non-essential	Session
	_gid	This cookie name is associated with Google Universal Analytics. This appears to be a new cookie and as of Spring 2017 no information is available from Google. It appears to store and update a unique value for each page visited. Main purpose: Performance		Non-essential	1 day
	__utma	Used to distinguish users and sessions. The cookie is created when the javascript library executes and no existing __utma cookies exists. The cookie is updated every time data is sent to Google Analytics.		Non-essential	2 years
	__utmb	Used to determine new sessions/visits. The cookie is created when the javascript library executes and no existing __utmb cookies exists. The cookie is updated every time data is sent to Google Analytics.			30 minutes
	__utmc	Not used in ga.js. Set for interoperability with urchin.js. Historically, this cookie operated in conjunction with the __utmb cookie to determine whether the user was in a new session/visit.			session
	__utmz	Stores the traffic source or campaign that explains how the user reached your site. The cookie is created when the javascript library executes and is updated every time data is sent to Google Analytics.			6 months
	_gcl_au	Used by Google AdSense for experimenting with advertisement efficiency across websites using their services. Main purpose: Targeting and Advertising	AdSense - View Service Privacy Policy	Non-essential	3 months
HUBSPOT	__hs_opt_out	This cookie is used by the opt-in privacy policy to remember not to ask the visitor to accept cookies again. This cookie is set when you give visitors the choice to opt out of cookies. It contains the string "yes" or "no". Main purpose: Strictly Necessary		Essential	6 months
	__hs_do_not_track	This cookie can be set to prevent the tracking code from sending any information to HubSpot. It contains the string "yes". Main purpose: Strictly Necessary		Essential	6 months
	__hs_initial_opt_in	This cookie is used to prevent the banner from always displaying when visitors are browsing in strict mode. It contains the string "yes" or "no". Main purpose: Strictly Necessary		Essential	7 days
	__hs_cookie_cat_pref	This cookie is used to record the categories a visitor consented to. It contains data on the consented categories. Main purpose: Strictly Necessary		Essential	6 months
	hs_ab_test	This cookie is used to consistently serve visitors the same version of an A/B test page they’ve seen before. It contains the id of the A/B test page and the id of the variation that was chosen for the visitor. Main purpose: Strictly Necessary		Essential	Session
	<id>_key	When visiting a password-protected page, this cookie is set so future visits to the page from the same browser do not require login again. The cookie name is unique for each password-protected page. It contains an encrypted version of the password so future visits to the page will not require the password again. Main purpose: Strictly Necessary		Essential	14 days
	hs-messages-is-open	This cookie is used to determine and save whether the chat widget is open for future visits. It is set in your visitor's browser when they start a new chat, and resets to re-close the widget after 30 minutes of inactivity. If your visitor manually closes the chat widget, it will prevent the widget from re-opening on subsequent page loads in that browser session for 30 minutes. It contains a boolean value of True if present. Main purpose: Strictly Necessary		Essential	30 minutes
	hs-messages-hide-welcome-message	This cookie is used to prevent the chat widget welcome message from appearing again for one day after it is dismissed. It contains a boolean value of True or False. Main purpose: Strictly Necessary		Essential	1 day
	__hsmem	This cookie is set when visitors log in to a HubSpot-hosted site. It contains encrypted data that identifies the membership user when they are currently logged in. Main purpose: Strictly Necessary		Essential	1 year
	hs-membership-csrf	This cookie is used to ensure that content membership logins cannot be forged. It contains a random string of letters and numbers used to verify that a membership login is authentic. Main purpose: Strictly Necessary		Essential	Session
	hs_langswitcher_choice	This cookie is used to save a visitor’s selected language choice when viewing pages in multiple languages. It is set when a visitor selects a language from the language switcher and is used as a language preference to redirect them to sites in their chosen language in the future if they are available. It contains a colon delimited string with the ISO639 language code choice on the left and the top level private domain it applies to on the right. An example will be "EN-US:hubspot.com". Main purpose: Strictly Necessary		Essential	2 years
	__hstc	The main cookie for tracking visitors. It contains the domain, utk, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session). Main purpose: Analytical		Non-essential	6 months
	hubspotutk	This cookie keeps track of a visitor's identity. It is passed to HubSpot on form submission and used when deduplicating contacts. It contains an opaque GUID to represent the current visitor. Main purpose: Analytical		Non-essential	6 months
	__hssc	This cookie keeps track of sessions. This is used to determine if HubSpot should increment the session number and timestamps in the __hstc cookie. It contains the domain, viewCount (increments each pageView in a session), and session start timestamp. Main purpose: Analytical		Non-essential	30 minutes
	__hssrc	Whenever HubSpot changes the session cookie, this cookie is also set to determine if the visitor has restarted their browser. If this cookie does not exist when HubSpot manages cookies, it is considered a new session. It contains the value "1" when present. Main purpose: Analytical		Non-essential	Session
	messagesUtk	This cookie is used to recognise visitors who chat with you via the chatflows tool. If the visitor leaves your site before they're added as a contact, they will have this cookie associated with their browser. When the Consent to collect chat cookies setting is turned off, the messagesUtk cookie is controlled by the Consent to process setting in your chatflow. HubSpot will not drop the messagesUtk cookie for visitors who have been identified through the Visitor Identification API. The analytics cookie banner will not be impacted. This cookie will be specific to a subdomain and will not carry over to other subdomains. For example, the cookie dropped for info.example.com will not apply to the visitor when they visit www.example.com, and vice versa. It contains an opaque GUID to represent the current chat user. Main purpose: Functionality		Essential	6 months
	__cfruid	This cookie is set by HubSpot’s CDN provider because of their rate limiting policies. Main purpose: Strictly Necessary	Cloudflare cookies	Essential	Session
	__cf_bm	This cookie is set by HubSpot's CDN provider and is a necessary cookie for bot protection. Main purpose: Strictly Necessary	Cloudflare cookies	Essential	30 minutes

Further information

Please note that other third parties may also use cookies, over which we have no control. These third parties may include, for example, advertising networks and providers of external services like web traffic analysis services. These third party cookies are likely to be analytical cookies or performance cookies or targeting cookies, and includes, but is not limited to:

Google

To deactivate the use of third party advertising cookies, you can click the ‘Detailed Cookie Information’ link on our website. You can then adjust the available sliders to ‘On’ or ‘Off’, or otherwise manage your cookies, and click ‘Save and close’. You may need to refresh your page for your settings to take effect.

Please note, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website. Except for essential cookies, all cookies will expire after two (2) years.