Cookie Policy

The Equity Release Network (“TERN”)

1. Introduction

This Cookie Policy explains how The Equity Release Network (“TERN”, “we”, “us”, “our”) uses cookies and similar technologies on the website www.theequityreleasenetwork.com (the “Site”).

Cookies help us provide you with the best possible experience on our Site and also allow us to improve and personalise our services over time.

By continuing to use the Site, you agree to the use of cookies as described in this policy.

2. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet or mobile) when you visit a website. They are widely used to enable websites to function properly or to provide information to the owners of the site.

Cookies can be:

• Session cookies — removed once you close your browser
• Persistent cookies — remain on your device until they expire or are deleted

3. How We Use Cookies

We use cookies for the following purposes:

Essential Cookies

These are necessary for the Site to function and cannot be switched off. They help with things like:

• secure login and authentication
• maintaining session information
• ensuring consistent behaviour of the Site

Performance / Analytics Cookies

These help us understand how the Site is being used and how well it performs. For example:

• number of visitors
• pages visited
• time spent on the Site

These cookies do not collect information that identifies you personally.

Functional Cookies

These allow the Site to remember choices you make (like language or region) and provide enhanced, personalised features.

Targeting / Advertising Cookies

We do not use advertising cookies on the TERN Site at this stage. If this changes in future, we will update this Cookie Policy accordingly.

4. Third-Party Cookies

Some services we use to improve the Site may set their own cookies when you use the Site. For example:

• Analytics providers
• Social media widgets

These cookies are not controlled by TERN. We recommend checking third parties’ own privacy and cookie policies for details.

5. Your Cookie Choices

You can manage or disable cookies using your browser settings. The “Help” function in most browsers will tell you how.

However, if you block or refuse cookies, some parts of the Site may not function properly or may be less personalised.

6. How to Manage Cookies

Most browsers allow you to:

• view cookies stored on your device
• block all cookies
• accept only certain cookies
• delete cookies

For example:

• In Chrome: Settings > Privacy and security > Cookies and other site data
• In Safari: Preferences > Privacy > Manage Website Data
• In Edge: Settings > Site permissions > Cookies and site data

For specific instructions, please refer to your browser’s support documentation.

7. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in the way the Site operates or for regulatory or legal reasons. The latest version will always be available on our website.

8. Contact Us

If you have any questions about this Cookie Policy, you can contact us at:

Email: mail@theequityreleasenetwork.com

Address: 304 Bridgewater Place, Birchwood Park, Birchwood, Warrington, Cheshire, WA3 6XG