Cookie Notice

We use cookies on our website. Find out more about what cookies we use.

What are cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit our site. Our site recognises those cookies on each subsequent visit, enabling our site to recognise you.

How and why we use cookies

We use cookies on our site to:

  • recognise you whenever you visit our site
  • remember the notifications you’ve seen so that we don’t show them to you again
  • allow you to navigate between pages efficiently
  • safeguard your privacy when you're using our site, automatically ending a secure session when you log out, or after 10 minutes
  • measure how you use our site so it can be updated and improved to give you the best possible experience on our site
  • measure and analyse our advertising
  • remember pages you have been looking at so we can tailor and enhance our advertising

The information we obtain from our use of cookies will not usually contain information from which you can easily be identified, such as your name.  However, we do collect some personal data relating to your computer or other electronic device, such as your IP address, your browser and/or other internet log information. 

In most cases we will need your consent in order to use cookies on our site.  The exception to this is where the cookie is essential in order for us to provide you with a service you have requested (such as making payments through our site). 

When you open our site in your browser a cookie pop up message will be displayed and this will ask you for your consent for non-essential cookies to be placed on your device. A record of your acceptance will be stored in a functional cookie for 30 days, after which the cookie will expire and the cookie pop up message will be displayed again.

You may withdraw your consent or acceptance at any time by following the instructions for disabling cookies, signposted at the end of this Cookie Notice.

We use the following cookies on our site:

Essential Cookies

These cookies are essential in order to enable you to move around our site and use its features, such as accessing secure areas of our site. Without these cookies, services you have asked for, like the ability to make a payment, view your account details, or set up a payment plan cannot be provided.   

Essential Third Party Cookies

Third party cookies are used to provide important functionality to our site, as well as collecting anonymous user data for analysis.

Third party

Cookie name

How long this cookie lasts

What is the purpose of this cookie?


This cookie allows us to make sure that you are a person not a robot


Up to 2 years

These cookies are used by Google reCAPTCHA to determine and verify that the user is not a robot.

Google's Privacy Policy can be found here.


These cookies allow us to offer you the option to use Live Chat to speak to our automated Chatbot or one of our agents.



End of browser session

24 hours

These cookies allow us to identify and track your Live Chat sessions


End of browser session

This cookie stores the names that will be displayed for you and our agent in LiveChat












End of browser session

These cookies allow us to track and monitor your use of our Live Chat function
















End of browser session


1 hour






168 hours

These cookies allow us to identify your Live Chat session and store your data.  This means that you can continue your Live Chat session as you navigate around our website and we can reconnect you to your Live Chat session if the connection is lost


1 year

This cookie allows us to differentiate between each of your Live Chat sessions



End of browser session

These cookies allow us to link and track your interactions with Live Chat and our website whilst you are using Live Chat


These cookies are required in order to complete validation checks for access to the TransUnion credit score and services


io_token_ for Iovation

12 months

12 months

Devicerisk element cookie, checking against the consumers device details for validation purposes

Devicerisk element cookie, checking against the consumers device details for validation purposes

Functional Cookies

These essential cookies allow our site to remember choices you make. The information these cookies collect may be anonymised and they cannot track your browsing activity on other sites.

Cookie name

How long this cookie lasts

What is the purpose of this cookie?


30 days

This cookie is used to remember a user’s acceptance of the use of cookies on our site as explained above.

You will see a pop-up cookies message when you first visit our site. We’ll store a cookie so that your computer knows you’ve seen it and knows not to show it again.  This expires after 30 days when you will see a pop up cookie message again to remind you of this Cookie Notice and to ask you to consent again to our use of essential cookies.

Third Party Performance Cookies

These non-essential cookies collect information about how visitors use our site, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t 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.

Marketing cookies

These third party cookies help us to customise our social media ads – particularly on Facebook and Instagram – and to analyse traffic driven to our site from advertising and the effectiveness of our ads. If you don’t accept these cookies, you may still see messages from Lowell, but they may be less relevant to you.

If you want to further limit the ads you see, change your advertising settings for Facebook and Instagram.

Where to find more information

You can adjust the settings in your web browser to determine whether (all) sites can set cookies on your computer.  Find out more information about cookies and how to manage them, specific to your browser.

If you have any further questions, comments or requests regarding our Cookie Notice or how we use cookies on our site, please contact us.