Lifecoverfor.com uses cookies and similar technologies to make the site work, measure performance, and (with your consent) measure marketing effectiveness. This page explains exactly what we use, why, and how to change your choice at any time. We comply with UK GDPR and the Privacy and Electronic Communications Regulations (PECR).
What are cookies?
Cookies are small text files placed on your device when you visit a website. They allow the site to recognise you on future visits and remember things like preferences, login state, and analytics identifiers. Some cookies last for a single session (deleted when you close the browser); others persist for days, months or years.
We also use similar technologies — local storage, session storage, and pixel images — which behave like cookies for the purposes of this policy.
Cookie categories we use
1. Essential cookies (always on)
Required for the site to function. We do not need consent for these under PECR because they are strictly necessary.
- cookieConsent — stores your cookie consent choice (Accept / Reject) for 6 months. Set by Lifecoverfor.com. First-party. Local storage.
- Cloudflare security cookies (e.g.
__cf_bm) — used by our hosting provider Cloudflare to distinguish humans from bots. Session-length, first-party. See Cloudflare's cookie reference.
2. Analytics cookies (require consent)
Help us understand how the site is used so we can improve it. Set only after you click Accept.
- _ga — Google Analytics 4. Distinguishes unique users. 2-year duration. Third-party (Google).
- _ga_CYWMKGHWTE — Google Analytics 4 session state. 2-year duration. Third-party (Google).
Without consent, Google Analytics runs in cookieless ping mode — it receives anonymous, aggregated event counts only, with no cookies set and no individual user identification. This is how we comply with PECR while retaining basic visibility.
3. Marketing cookies (require consent)
Used to measure the effectiveness of our advertising and (in some cases) to show relevant ads on other sites. Set only after you click Accept.
- _fbp — Meta (Facebook) Pixel. Identifies browsers for Meta advertising. 90-day duration. Third-party (Meta).
- _fbc — Meta (Facebook) click attribution cookie. 90-day duration. Third-party (Meta).
If you click Reject, Meta Pixel is not loaded at all on your visit — no cookies are set and no data is sent to Meta.
Third parties
The third-party services that may set cookies on your behalf with your consent:
- Google LLC — Google Analytics 4. Google Privacy Policy.
- Meta Platforms Inc — Meta (Facebook) Pixel. Meta Privacy Policy.
- Cloudflare Inc — site hosting and security (essential cookies only). Cloudflare Privacy Policy.
How to change your cookie preferences
You can change your cookie preferences at any time:
- Click the button below to clear your stored preference and re-show the banner.
- Choose Accept or Reject when the banner reappears.
Browser-level controls
You can also block or delete cookies at the browser level. The links below explain how:
Note that disabling all cookies (including essential ones) at the browser level may prevent parts of the site from working correctly.
Do Not Track
Some browsers send a "Do Not Track" (DNT) signal. There is no consensus on how DNT should be interpreted, so we honour your explicit choice via the cookie banner rather than DNT signals. If your browser also has a "Global Privacy Control" (GPC) signal enabled, we treat it as a Reject by default.
Children
The site is not directed at children under 13. We do not knowingly collect data from children. If you believe we have, contact us at hello@lifecoverfor.com.
Your data-protection rights
Under UK GDPR you have the right to:
- Access the personal data we hold about you.
- Rectify inaccurate data.
- Erase data ("right to be forgotten").
- Restrict or object to processing.
- Data portability.
- Withdraw consent at any time.
- Lodge a complaint with the Information Commissioner's Office (ICO) — ico.org.uk/make-a-complaint.
Changes to this policy
We review this policy at least annually and update it whenever we add, remove or materially change a cookie or third-party service. The "Updated" date at the top of this page reflects the latest revision.
Contact
For data-protection enquiries:
- Email: hello@lifecoverfor.com
- Post: Nesto Mortgages Ltd (trading as Lifecoverfor.com), Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, SK9 1LD
- Company number: 14964264
Frequently Asked Questions
Small text files stored on your device by the websites you visit. They serve a wide range of functions — keeping you logged in, remembering preferences, measuring how the site is used, and (with consent) tracking marketing performance.
No. Essential cookies (a small set required for core site functionality) are always set. Analytics and marketing cookies are only set if you click Accept. You can decline them by clicking Reject — the site continues to work normally.
Yes. Visit /cookies/ and use the "Change cookie settings" link near the bottom of this page. Your stored preference is cleared and the cookie banner returns next time you load any page.
No analytics cookies (Google Analytics) are set, no marketing cookies (Meta Pixel) are set, and any existing tracking cookies are cleared from your browser. Google Analytics receives anonymous, cookieless pings only — no identifying data.
It closes for the current session only — equivalent to no choice given, so no analytics or marketing cookies are set. The banner returns the next time you visit.
Six months. After six months we ask again — UK ICO guidance recommends refreshing consent at least annually.
Lifecoverfor.com is operated by Nesto Mortgages Ltd (company number 14964264). For data-protection enquiries email hello@lifecoverfor.com.