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Pangea Mortgages > Cookie Policy (EU)

Cookie Policy (EU)

This Cookie Policy was last updated on February 12, 2025 and applies to citizens and legal permanent residents of the European Economic Area and Switzerland.

1. Introduction

Our website, https://pangeamortgages.com (hereinafter: "the website") uses cookies and other related technologies (for convenience all technologies are referred to as "cookies"). Cookies are also placed by third parties we have engaged. In the document below we inform you about the use of cookies on our website.

2. What are cookies?

A cookie is a small simple file that is sent along with pages of this website and stored by your browser on the hard drive of your computer or another device. The information stored therein may be returned to our servers or to the servers of the relevant third parties during a subsequent visit.

3. What are scripts?

A script is a piece of program code that is used to make our website function properly and interactively. This code is executed on our server or on your device.

4. What is a web beacon?

A web beacon (or a pixel tag) is a small, invisible piece of text or image on a website that is used to monitor traffic on a website. In order to do this, various data about you is stored using web beacons.

5. Cookies

5.1 Technical or functional cookies

Some cookies ensure that certain parts of the website work properly and that your user preferences remain known. By placing functional cookies, we make it easier for you to visit our website. This way, you do not need to repeatedly enter the same information when visiting our website and, for example, the items remain in your shopping cart until you have paid. We may place these cookies without your consent.

5.2 Statistics cookies

We use statistics cookies to optimise the website experience for our users. With these statistics cookies we get insights in the usage of our website. We ask your permission to place statistics cookies.

5.3 Advertising cookies

On this website we use advertising cookies, enabling us to gain insights into the campaign results. This happens based on a profile we create based on your behaviour on https://pangeamortgages.com. With these cookies you, as website visitor, are linked to a unique ID but these cookies will not profile your behaviour and interests to serve personalised ads.

5.4 Marketing/Tracking cookies

Marketing/Tracking cookies are cookies or any other form of local storage, used to create user profiles to display advertising or to track the user on this website or across several websites for similar marketing purposes.

Because these cookies are marked as tracking cookies, we ask your permission to place these.

5.5 Social media

On our website, we have included content from Facebook, LinkedIn, WhatsApp and Instagram to promote web pages (e.g. “like”, “pin”) or share (e.g. “tweet”) on social networks like Facebook, LinkedIn, WhatsApp and Instagram. This content is embedded with code derived from Facebook, LinkedIn, WhatsApp and Instagram and places cookies. This content might store and process certain information for personalised advertising.

Please read the privacy statement of these social networks (which can change regularly) to read what they do with your (personal) data which they process using these cookies. The data that is retrieved is anonymised as much as possible. Facebook, LinkedIn, WhatsApp and Instagram are located in the United States.

6. Placed cookies

Elementor

Statistics (anonymous)

Usage

We use Elementor for content creation. Read more about Elementor

Sharing data

This data is not shared with third parties.

Statistics (anonymous)

Name
elementor
Expiration
persistent
Function
Store performed actions on the website

WooCommerce

Functional

Usage

We use WooCommerce for webshop management. Read more about WooCommerce

Sharing data

This data is not shared with third parties.

Functional

Name
wc_cart_hash_*
Expiration
session
Function
Store items in shopping cart
Name
wc_fragments_*
Expiration
persistent
Function

Google Adsense

Marketing/Tracking

Usage

We use Google Adsense for showing advertisements. Read more about Google Adsense

Sharing data

For more information, please read the Google Adsense Privacy Statement.

Marketing/Tracking

Name
_gcl_au
Expiration
persistent
Function
Store and track conversions
Name
google_adsense_settings
Expiration
persistent
Function
Provide ad delivery or retargeting

Matomo

Statistics (anonymous)

Usage

We use Matomo for website statistics. Read more about Matomo

Sharing data

This data is not shared with third parties.

Statistics (anonymous)

Name
_pk_id*
Expiration
13 months
Function
Store a unique user ID
Name
_pk_ref*
Expiration
6 months
Function
Store referrer ID's
Name
_pk_ses*
Expiration
session
Function
Store a unique session ID

HubSpot

Marketing/Tracking, Statistics, Functional, Preferences

Usage

We use HubSpot for marketing automation (automated email marketing). Read more about HubSpot

Sharing data

For more information, please read the HubSpot Privacy Statement.

Marketing/Tracking

Name
hubspotutk
Expiration
13 months
Function
Store and track a visitor's identity
Name
__hstc
Expiration
13 months
Function
Store time of visit

Statistics

Name
__hssrc
Expiration
session
Function
Store a unique session ID

Functional

Name
__hssc
Expiration
30 minutes
Function
Store anonymized statistics
Name
__hs_cookie_cat_pref
Expiration
6 months
Function
Store cookie consent preferences
Name
*_key
Expiration
2 weeks
Function
Store logged in users
Name
hs_ab_test
Expiration
session
Function
Store ID's of experiments and sessions for A/B testing
Name
__hs_do_not_track
Expiration
6 months
Function
Store 'do not track' signals

Preferences

Name
messagesUtk
Expiration
13 months
Function
Store browser details
Name
__hsmem
Expiration
1 week
Function
Store logged in users
Name
hs-messages-is-open
Expiration
30 minutes
Function
Store if a message has been shown

WordPress

Functional

Usage

We use WordPress for website development. Read more about WordPress

Sharing data

This data is not shared with third parties.

Functional

Name
wp-settings-*
Expiration
persistent
Function
Store user preferences
Name
wp-settings-time-*
Expiration
1 year
Function
Store user preferences
Name
wordpress_test_cookie
Expiration
session
Function
Read if cookies can be placed
Name
wordpress_logged_in_*
Expiration
persistent
Function
Store logged in users

Google Analytics

Statistics

Usage

We use Google Analytics for website statistics. Read more about Google Analytics

Sharing data

For more information, please read the Google Analytics Privacy Statement.

Statistics

Name
_ga_*
Expiration
1 year
Function
Store and count pageviews
Name
_ga
Expiration
2 years
Function
Store and count pageviews

Google Fonts

Marketing/Tracking

Usage

We use Google Fonts for display of webfonts. Read more about Google Fonts

Sharing data

For more information, please read the Google Fonts Privacy Statement.

Marketing/Tracking

Name
Google Fonts API
Expiration
expires immediately
Function
Read user IP address

Google reCAPTCHA

Marketing/Tracking

Usage

We use Google reCAPTCHA for spam prevention. Read more about Google reCAPTCHA

Sharing data

For more information, please read the Google reCAPTCHA Privacy Statement.

Marketing/Tracking

Name
rc::c
Expiration
session
Function
Read and filter requests from bots
Name
rc::b
Expiration
session
Function
Read and filter requests from bots
Name
rc::a
Expiration
persistent
Function
Read and filter requests from bots

Google Maps

Marketing/Tracking

Usage

We use Google Maps for maps display. Read more about Google Maps

Sharing data

For more information, please read the Google Maps Privacy Statement.

Marketing/Tracking

Name
Google Maps API
Expiration
expires immediately
Function
Read user IP address

Facebook

Marketing/Tracking, Functional

Usage

We use Facebook for display of recent social posts and/or social share buttons. Read more about Facebook

Sharing data

For more information, please read the Facebook Privacy Statement.

Marketing/Tracking

Name
_fbc
Expiration
2 years
Function
Store last visit
Name
fbm*
Expiration
1 year
Function
Store account details
Name
xs
Expiration
3 months
Function
Store a unique session ID
Name
fr
Expiration
3 months
Function
Provide ad delivery or retargeting
Name
act
Expiration
90 days
Function
Store logged in users
Name
_fbp
Expiration
3 months
Function
Store and track visits across websites
Name
datr
Expiration
2 years
Function
Provide fraud prevention
Name
c_user
Expiration
30 days
Function
Store a unique user ID
Name
sb
Expiration
2 years
Function
Store browser details
Name
*_fbm_
Expiration
1 year
Function
Store account details

Functional

Name
wd
Expiration
1 week
Function
Read screen resolution
Name
csm
Expiration
90 days
Function
Provide fraud prevention
Name
actppresence
Expiration
session
Function
Store and track if the browser tab is active

LinkedIn

Functional, Marketing/Tracking, Statistics, Preferences

Usage

We use LinkedIn for display of recent social posts and/or social share buttons. Read more about LinkedIn

Sharing data

For more information, please read the LinkedIn Privacy Statement.

Functional

Name
sdsc
Expiration
session
Function
Provide load balancing functionality
Name
li_gc
Expiration
6 months
Function
Store cookie consent preferences
Name
BizographicsOptOut
Expiration
10 years
Function
Store privacy preferences

Marketing/Tracking

Name
lms_ads
Expiration
30 days
Function
Store and track visits across websites
Name
_guid
Expiration
90 days
Function
Store and track a visitor's identity
Name
li-oatml
Expiration
1 month
Function
Provide ad delivery or retargeting
Name
li_sugr
Expiration
90 days
Function
Store and track a visitor's identity
Name
UserMatchHistory
Expiration
30 days
Function
Provide ad delivery or retargeting

Statistics

Name
lms_analytics
Expiration
30 days
Function
Store and track a visitor's identity
Name
AnalyticsSyncHistory
Expiration
30 days
Function
Store and track visits across websites

Preferences

Name
li_alerts
Expiration
1 year
Function
Store if a message has been shown
Name
bcookie
Expiration
1 year
Function
Store browser details
Name
lidc
Expiration
1 day
Function
Provide load balancing functionality
Name
bscookie
Expiration
1 year
Function
Store logged in users

WhatsApp

Functional

Usage

We use WhatsApp for chat support. Read more about WhatsApp

Sharing data

For more information, please read the WhatsApp Privacy Statement.

Functional

Name
wa_lang_pref
Expiration
6 days
Function
Store language settings
Name
wa_ul
Expiration
session
Function
Provide access

Miscellaneous

Purpose pending investigation

Usage

Sharing data

Sharing of data is pending investigation

Purpose pending investigation

Name
WP_PREFERENCES_USER_*
Expiration
Function
Name
e_kit-elements-defaults
Expiration
Function
Name
_tt_enable_cookie
Expiration
Function
Name
_ttp
Expiration
Function
Name
tt_sessionId
Expiration
Function
Name
tt_pixel_session_index
Expiration
Function
Name
tt_appInfo
Expiration
Function
Name
cmplz_consenttype
Expiration
365 days
Function
Name
cmplz_consented_services
Expiration
365 days
Function
Name
cmplz_policy_id
Expiration
365 days
Function
Name
cmplz_marketing
Expiration
365 days
Function
Name
cmplz_statistics
Expiration
365 days
Function
Name
cmplz_preferences
Expiration
365 days
Function
Name
cmplz_functional
Expiration
365 days
Function
Name
cmplz_banner-status
Expiration
365 days
Function
Name
li_ignored
Expiration
Function
Name
hs-messages-hide-welcome-message
Expiration
Function
Name
_gid
Expiration
Function
Name
_gat_gtag_UA_173614517_1
Expiration
Function
Name
_gat_gtag_UA_253110398_1
Expiration
Function
Name
localTimeZone
Expiration
Function
Name
isReturningVisitor547
Expiration
Function
Name
loglevel
Expiration
Function
Name
wpEmojiSettingsSupports
Expiration
Function
Name
wp_lang
Expiration
Function
Name
WP_DATA_USER_10
Expiration
Function
Name
lastExternalReferrerTime
Expiration
Function
Name
lastExternalReferrer
Expiration
Function
Name
cart_session_id
Expiration
Function
Name
user_id
Expiration
Function
Name
incap_ses_766_2955236
Expiration
Function
Name
incap_ses_629_2955236
Expiration
Function
Name
incap_ses_730_2955236
Expiration
Function
Name
incap_ses_151_2955236
Expiration
Function
Name
incap_ses_259_2955236
Expiration
Function
Name
incap_ses_763_2955236
Expiration
Function
Name
WP_DATA_USER_6
Expiration
Function
Name
iconify-count
Expiration
Function
Name
iconify-version
Expiration
Function
Name
_grecaptcha
Expiration
Function
Name
PHPSESSID
Expiration
Function
Name
/wp-admin/admin.php-elfinder-toolbarhideswp_file_manager
Expiration
Function
Name
/wp-admin/admin.php-elfinder-lastdirwp_file_manager
Expiration
Function
Name
isReturningVisitor8565
Expiration
Function
Name
isReturningVisitor9460
Expiration
Function
Name
isReturningVisitor9464
Expiration
Function
Name
isReturningVisitor9474
Expiration
Function
Name
__tt_embed__mounting
Expiration
Function
Name
__tt_embed__storage_test
Expiration
Function
Name
isReturningVisitor9
Expiration
Function
Name
rank-math-option-sitemap-index
Expiration
Function
Name
rank-math-option-titles-index
Expiration
Function
Name
WP_DATA_USER_7
Expiration
Function
Name
rank-math-option-search-index
Expiration
Function
Name
rank-math-option-general-index
Expiration
Function
Name
_gcl_aw
Expiration
Function
Name
isReturningVisitor10048
Expiration
Function
Name
isReturningVisitor10075
Expiration
Function
Name
isReturningVisitor10257
Expiration
Function
Name
isReturningVisitor10285
Expiration
Function
Name
isReturningVisitor10475
Expiration
Function
Name
isReturningVisitor10569
Expiration
Function
Name
isReturningVisitor10581
Expiration
Function
Name
isReturningVisitor5957
Expiration
Function
Name
isReturningVisitor11198
Expiration
Function
Name
isReturningVisitor11208
Expiration
Function
Name
isReturningVisitor11210
Expiration
Function
Name
isReturningVisitor11543
Expiration
Function
Name
isReturningVisitor11775
Expiration
Function
Name
_gcl_gs
Expiration
Function
Name
isReturningVisitor11847
Expiration
Function
Name
isReturningVisitor11864
Expiration
Function
Name
_na
Expiration
Function
Name
ajs_anonymous_id
Expiration
Function
Name
e_notes
Expiration
Function
Name
isReturningVisitor11970
Expiration
Function
Name
isReturningVisitor11976
Expiration
Function
Name
isReturningVisitor12090
Expiration
Function
Name
isReturningVisitor12096
Expiration
Function
Name
isReturningVisitor12102
Expiration
Function
Name
isReturningVisitor12108
Expiration
Function
Name
isReturningVisitor12114
Expiration
Function
Name
isReturningVisitor12120
Expiration
Function
Name
isReturningVisitor12126
Expiration
Function
Name
isReturningVisitor12132
Expiration
Function
Name
isReturningVisitor12138
Expiration
Function
Name
isReturningVisitor12144
Expiration
Function
Name
isReturningVisitor12150
Expiration
Function
Name
isReturningVisitor12156
Expiration
Function
Name
isReturningVisitor12162
Expiration
Function
Name
isReturningVisitor12168
Expiration
Function
Name
topicsLastReferenceTime
Expiration
Function
Name
_gcl_ls
Expiration
Function
Name
_gac_UA-173614517-1
Expiration
Function
Name
_ke_alooma_tab_id
Expiration
Function
Name
_ke_alooma_event_number
Expiration
Function
Name
regenerateCCSSFor_9530
Expiration
Function
Name
intercom.intercom-state-mnkevje8
Expiration
Function
Name
multiFbc
Expiration
Function
Name
mp_150605b3b9f979922f2ac5a52e2dcfe9_mixpanel
Expiration
Function
Name
mp_gen_new_tab_id_mixpanel_150605b3b9f979922f2ac5a52e2dcfe9
Expiration
Function
Name
mp_tab_id_mixpanel_150605b3b9f979922f2ac5a52e2dcfe9
Expiration
Function
Name
isReturningVisitor12500
Expiration
Function
Name
isReturningVisitor12522
Expiration
Function
Name
isReturningVisitor8460
Expiration
Function
Name
intercom-device-id-mnkevje8
Expiration
Function
Name
intercom-id-mnkevje8
Expiration
Function
Name
intercom-session-mnkevje8
Expiration
Function
Name
ably-transport-preference
Expiration
Function
Name
smc.fbp
Expiration
Function
Name
smc.fbc
Expiration
Function
Name
_smk_ft_lp
Expiration
Function
Name
_smk_lt_lp
Expiration
Function
Name
_smk_ft_ref
Expiration
Function
Name
_smk_lt_ref
Expiration
Function
Name
smk.vid
Expiration
Function
Name
_smk_fp
Expiration
Function
Name
_smk_vc
Expiration
Function
Name
smc_fbp
Expiration
Function
Name
smc_fbc
Expiration
Function
Name
smk_vid
Expiration
Function
Name
e_my_templates_source
Expiration
Function
Name
__mp_opt_in_out_150605b3b9f979922f2ac5a52e2dcfe9
Expiration
Function
Name
elementor_sidebar_menu_expanded_v2_elementor-templates
Expiration
Function
Name
e_site-editor
Expiration
Function
Name
adobeCleanFontAdded
Expiration
Function
Name
redirection-settings
Expiration
Function
Name
redirection-display
Expiration
Function
Name
WP_DATA_USER_13
Expiration
Function
Name
ht_ctc_admin
Expiration
Function
Name
elementor_sidebar_menu_expanded_v2_elementor-system
Expiration
Function
Name
286d8024_wp_ai_studio_invalidation
Expiration
Function

7. Consent

When you visit our website for the first time, we will show you a pop-up with an explanation about cookies. As soon as you click on "Save preferences", you consent to us using the categories of cookies and plug-ins you selected in the pop-up, as described in this Cookie Policy. You can disable the use of cookies via your browser, but please note that our website may no longer work properly.

7.1 Manage your consent settings

You have loaded the Cookie Policy without javascript support. On AMP, you can use the manage consent button on the bottom of the page.

8. Enabling/disabling and deleting cookies

You can use your internet browser to automatically or manually delete cookies. You can also specify that certain cookies may not be placed. Another option is to change the settings of your internet browser so that you receive a message each time a cookie is placed. For more information about these options, please refer to the instructions in the Help section of your browser.

Please note that our website may not work properly if all cookies are disabled. If you do delete the cookies in your browser, they will be placed again after your consent when you visit our website again.

9. Your rights with respect to personal data

You have the following rights with respect to your personal data:

  • You have the right to know why your personal data is needed, what will happen to it, and how long it will be retained for.
  • Right of access: You have the right to access your personal data that is known to us.
  • Right to rectification: you have the right to supplement, correct, have deleted or blocked your personal data whenever you wish.
  • If you give us your consent to process your data, you have the right to revoke that consent and to have your personal data deleted.
  • Right to transfer your data: you have the right to request all your personal data from the controller and transfer it in its entirety to another controller.
  • Right to object: you may object to the processing of your data. We comply with this, unless there are justified grounds for processing.

To exercise these rights, please contact us. Please refer to the contact details at the bottom of this Cookie Policy. If you have a complaint about how we handle your data, we would like to hear from you, but you also have the right to submit a complaint to the supervisory authority (the Data Protection Authority).

10. Contact details

For questions and/or comments about our Cookie Policy and this statement, please contact us by using the following contact details:

John Pangea
Crag Terrace, 15 2, Clondalkin Industrial Estate, Dublin, 22
Ireland
Website: https://pangeamortgages.com
Email: info@ex.compangeaireland.ie
Phone number: 0858600728

This Cookie Policy was synchronised with cookiedatabase.org on May 29, 2023.

Pangea Financial Services Limited t/a Pangea Mortgages is regulated by the Central Bank of Ireland. Company Registered Number: 720928 | Registered Office: 15/2 Crag Terrace, Clondalkin, Dublin 22

  • Call Us 0858600728 (24 Hours)
  • Email us: info@pangeaireland.ie
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This below information is Important. Please read it carefully before making an application.

WARNING: IF YOU DO NOT MEET THE REPAYMENTS ON YOUR CREDIT AGREEMENT, YOUR ACCOUNT WILL GO INTO ARREARS.
THIS MAY AFFECT YOUR CREDIT RATING, WHICH MAY LIMIT YOUR ABILITY TO ACCESS CREDIT IN THE FUTURE.

WARNING: IF YOU DO NOT KEEP UP YOUR REPAYMENTS YOU MAY LOSE YOUR HOME.

If your mortgage is ever on a variable rate:
WARNING: THE PAYMENT RATES ON THIS HOUSING LOAN MAY BE ADJUSTED BY THE LENDER FROM TIME TO TIME.

WARNING: THE COST OF YOUR MONTHLY REPAYMENTS MAY INCREASE.

If your mortgage is ever on a fixed rate:
WARNING: YOU MAY HAVE TO PAY CHARGES IF YOU PAY OFF A FIXED-RATE LOAN EARLY.

If your mortgage is on an interest only term:
WARNING: THE ENTIRE AMOUNT THAT YOU HAVE BORROWED WILL STILL BE OUTSTANDING AT THE END OF THE INTEREST ONLY PERIOD.

If your mortgage is an equity release mortgage and is being used for debt consolidation purposes:
WARNING: THIS NEW LOAN MAY TAKE LONGER TO PAY OFF THAN YOUR PREVIOUS LOANS.
THIS MEANS YOU MAY PAY MORE THAN IF YOU PAID OVER A SHORTER TERM.

© Copyright 2023 by Pangea Financial Services

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