Cookie Policy

Last updated: 28 October 2026

1. About this policy

This policy explains how Spendstream Ltd uses cookies and similar technologies on the CreditLadder Cashback service. It should be read with our Privacy Policy.

Cookies are small text files stored on your device. Similar technologies include local storage, pixels, tags and scripts. They can keep a service working, remember choices and protect accounts and transactions.

2. How consent works

The Rewards Site uses strictly necessary cookies for sessions, security, fraud prevention and protection of forms and requests. They are needed to provide or secure the service and cannot be switched off through the consent tool.

CookieYes displays the consent banner and stores your choices. Google Analytics is used only after you consent to analytics cookies. Google Tag Manager helps deploy and control tags but does not itself ordinarily set cookies. You can accept, reject or customise non-essential cookies and can change your preferences using the CookieYes consent controls when available or through your browser settings.

3. Cookie inventory

The cookies used by the Rewards Site are listed below. A cookie may expire sooner if you delete it or your browser ends the relevant session.

Name	Provider	Category	Purpose	Lifetime
ci_session	Spendstream / CreditLadder Cashback	Strictly necessary	Maintains the website session and security state.	Up to 30 days
csrf_cookie_name	Spendstream / CreditLadder Cashback	Strictly necessary	Protects forms and requests against cross-site request forgery.	Up to 2 hours
cookieyes-consent	CookieYes	Strictly necessary	Stores consent choices so they can be respected on later visits.	Up to 1 year
_ga	Google Analytics	Analytics	Distinguishes visitors and measures use of the Rewards Site after consent.	Up to 2 years
_ga_*	Google Analytics	Analytics	Maintains session state and measures use for the relevant analytics property after consent. The suffix identifies the configured property.	Up to 2 years

4. Browser controls

Use the available CookieYes consent controls to change non-essential cookie choices. You can also block or delete cookies through your browser. Browser controls differ by provider and device. Blocking strictly necessary cookies may prevent single sign-on, checkout, fraud protection or other essential functions from working correctly.

If you choose Pay by Bank, you may be redirected to Salt Edge or your bank to authorise payment. Any cookies those separate sites place are governed by their own cookie and privacy notices. The inventory above relates to cookies on the Rewards Site, not those third-party payment pages.

5. Changes to this policy

We may update this policy when the service, cookie purposes, lifetimes, providers or legal requirements change. We will update the date above. Where required, we will ask for consent before using a new non-essential purpose.

6. Contact

For questions about cookies, contact the CreditLadder Cashback Help Centre at https://cashback.creditladder.co.uk/help or write to: Privacy, Spendstream Ltd, 167-169 Great Portland Street, 5th Floor, London W1W 5PF.