Cookie Policy

  • Definitions and Interpretation

    In this Cookie Policy, unless the context otherwise requires, the following expressions have the following meanings:
    “Cookie”means a small file placed on your computer or device by Our Site when you visit certain parts of Our Site and/or when you use certain features of Our Site;
    “Cookie Law”means the relevant parts of the Privacy and Electronic Communications (EC Directive) Regulations 2003 and of EU Regulation 2016/679 General Data Protection Regulation (“GDPR”);
    “personal data”means any and all data that relates to an identifiable person who can be directly or indirectly identified from that data, as defined by EU Regulation 2016/679 General Data Protection Regulation (“GDPR”); and
    “We/Us/Our”means Valca Vehicle And Life Cover Agency Ltd, a limited company registered in England under company number 11013461, whose registered and trading address is 281 Palatine Road, 281 Palatine Road, Manchester, England, M22 4ET.
  • Information About Us

    • Our Site is owned and operated by us.
    • debtquity.org is a trading name of Valca Vehicle And Life Cover Agency Ltd.
    • Our Data Protection Officer can be contacted by email at Darren@valca.org, or by post at Valca Vehicle And Life Cover Agency Ltd, 281 Palatine Road, 281 Palatine Road, Manchester, England, M22 4ET.
    • Appointed Representative of Pebble Protection Limited and is entered on the Financial Services Register under reference number [TBC]. Pebble Protection Limited is authorized and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 807915 and you can check this on the Financial Conduct Authority website: https://register.fca.org.uk/.
  • How Does Our Site Use Cookies?

    • Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by Us and are used only by Us. We use Cookies to facilitate and improve your experience of Our Site and to provide and improve Our services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy and personal data is protected and respected at all times.
    • By using Our Site, you may also receive certain third-party Cookies on your computer or device. Third-party Cookies are those placed by websites, services, and/or parties other than Us. Third-party Cookies are used on Our Site for analytical purposes only. For more details, please refer to section 4 below.
    • All Cookies used by and on Our Site are used in accordance with current Cookie Law. We may use some or all of the following types of Cookie:
      • Strictly Necessary Cookies A Cookie falls into this category if it is essential to the operation of Our Site, supporting functions such as logging in, your shopping basket, and payment transactions.
      • Analytics Cookies It is important for Us to understand how you use Our Site, for example, how efficiently you are able to navigate around it, and what features you use. Analytics Cookies enable us to gather this information, helping Us to improve Our Site and your experience of it.
      • Functionality Cookies Functionality Cookies enable Us to provide additional functions to you on Our Site such as personalization and remembering your saved preferences. Some functionality Cookies may also be strictly necessary Cookies, but not all necessarily fall into that category.
      • Targeting Cookies It is important for Us to know when and how often you visit Our Site, and which parts of it you have used (including which pages you have visited and which links you have visited). As with analytics Cookies, this information helps us to better understand you and, in turn, to make Our Site and advertising more relevant to your interests. Some information gathered by targeting Cookies may also be shared with third parties.
      • Third Party Cookies Third-party Cookies are not placed by Us; instead, they are placed by third parties that provide services to Us and/or to you. Third-party Cookies may be used by advertising services to serve up tailored advertising to you on Our Site, or by third parties providing analytics services to Us (these Cookies will work in the same way as analytics Cookies described above).
      • Persistent Cookies Any of the above types of Cookie may be a persistent Cookie. Persistent Cookies are those which remain on your computer or device for a predetermined period and are activated each time you visit Our Site.
      • Session Cookies Any of the above types of Cookies may be a session Cookie. Session Cookies are temporary and only remain on your computer or device from the point at which you visit Our Site until you close your browser. Session Cookies are deleted when you close your browser.
    • For more details of the personal data that We collect and use, the measures we have in place to protect personal data, your legal rights, and our legal obligations, please refer to our Privacy Policy.
    • For more specific details of the Cookies that We use, please refer to the tables below.
  • What Cookies Does Our Site Use?

    • The following first party Cookies may be placed on your computer or device:
      Name of CookiePurpose & TypeStrictly NecessaryLife Span
      __________Session cookie- remembers you while you navigate through our site or login and use your accountYes?
       
    • Our Site uses analytics services provided by Google Analytics and Facebook. Website analytics refers to a set of tools used to collect and analyze anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and the products and services offered through it. You do not have to allow Us to use these Cookies, however, whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
    • The analytics service(s) used by Our Site use(s) analytics Cookies to gather the required information.
    • The analytics service(s) used by Our Site use(s) the following analytics Cookies:
    Name of CookiePurpose & TypeProviderStrictly NecessaryLife Span
    _gaAnalytics. The cookie is used to calculate visitors, session, campaign data and keep track of site usage for the site’s analytics report. The cookies store information anonymously and assign a randomly generated number to identify unique visitors.Google?2 years
    _gidAnalytics. The cookie is used to store information on how visitors use a website and helps in creating an analytics report of how the website is doing. The data collected including the number visitors, the source where they have come from, and the pages visited in an anonymous form.Google?1 day
    _gat_gtag_UA_167373359_1Analytics. Used to distinguish users.Google?1 minute
  • Consent and Control

  • Changes to this Cookie Policy

    • We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
    • In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
  • Further Information

    • If you would like to know more about how We use Cookies, please contact Us by email at Darren@valca.org, or by post at Valca Vehicle And Life Cover Agency Ltd, 281 Palatine Road, 281 Palatine Road, Manchester, England, M22 4ET.