Cookie notice
This Cookie Notice explains how 91心頭 Ltd formerly known as The Model T Finance Ltd (we, us, or our) uses cookies and similar technologies when you visit our website /.
We are committed to providing online services that are secure, reliable and tailored to your needs. Where services are delivered online, this may involve placing small files known as cookies on your device.
What is a cookie
A cookie is a small text file that a website places on your computer, smartphone or other device when you visit. It allows the website to recognise your device on future visits and can improve your experience by remembering settings, measuring performance and supporting security features.
Cookies may expire at the end of your browsing session (session cookies) or remain on your device for longer (persistent cookies). Some cookies are set by 91心頭 (first-party cookies), while others are set by trusted third-party providers (third-party cookies).
We will not set non-essential cookies unless you give your consent through our cookie-settings tool.
Why we use cookies
Cookies help us to:
- recognise your device so you dont need to enter the same information repeatedly;
- remember if you are logged in;
- understand how our website is used so we can improve its performance and content;
- ensure features such as chat, forms and video playback work as intended; and
- help protect our site from misuse and spam.
Types of cookies we use
1. Strictly necessary cookies
These cookies are essential for the site to function and cannot be switched off in our systems. They are usually only set in response to actions you take, such as logging in, submitting forms or setting privacy preferences.
| Cookie name | Provider / type | Expiration | Purpose |
|---|---|---|---|
| PHPSESSID | 91心頭 first-party | Session | Maintains secure session between pages. |
| __cf_bm, cf_clearance, __cflb, _cfuvid | Cloudflare third-party | 30 minutes 1 year | Protects the site from bots and ensures secure traffic routing. |
| .AspNetCore.Antiforgery., __RequestVerificationToken, ASP.NET_Session, ASP.NET_Session_Fallback | Microsoft .NET first-party | Session | Prevents cross-site request-forgery (CSRF) and maintains user sessions. |
| __hs_opt_out, __hs_do_not_track, __hs_initial_opt_in | HubSpot third-party | 7 days 13 months | Records and respects visitors cookie consent preferences. |
Some cookies are listed together where they serve a common purpose (for example, maintaining a secure session or recording consent). Expiration periods vary within the range shown. If you would like to know the exact duration for any specific cookie, please contact us using the details below.
2. Functionality cookies
These cookies enable enhanced functionality and personalisation, such as remembering chat preferences or language choices.
| Cookie name | Provider / type | Expiration | Purpose |
|---|---|---|---|
| chatbase_anon_id | Chatbase third-party | Session | Supports the AI chatbot; maintains anonymous session continuity. |
| hs-messages-is-open, hs-messages-hide-welcome-message, messagesUtk | HubSpot third-party | Session 1 day | Manages chat widget behaviour and remembers visitor interactions. |
| hs_langswitcher_choice | HubSpot third-party | 2 years | Stores visitors language preference. |
| hs-membership-csrf, __hsmem | HubSpot third-party | Session 1 year | Supports secure member logins and prevents forgery. |
3. Analytics / performance cookies
These cookies collect anonymous data on how visitors use the site to help us improve performance.
| Cookie name | Provider / type | Expiration | Purpose |
|---|---|---|---|
| _ga, _gid, _gat, _utma, _utmt, _utmb, _utmc, _utmz, _utmv | Google Analytics first-party | 1 minute 2 years | Measures and analyses website usage and traffic sources. |
| _clck, _clsk, CLID, SM, MicrosoftApplicationsTelemetryDeviceId | Microsoft Clarity third-party | Session 1 year | Collects anonymised behavioural data (heatmaps and session recording). |
| __hstc, __hssc, __hssrc, hubspotutk | HubSpot third-party | 30 minutes 6 months | Tracks visits and sessions for site analytics. |
| .hs-analytics.net | HubSpot third-party | 30 minutes | Analytics script resource used by HubSpot. |
| .gbbank.co.uk (site metrics) | First-party | 1 year | Stores internal analytics and preference data. |
For more information on how Google and Microsoft use data, please visit:
4. Targeting / advertising cookies
These cookies may be set by our advertising and social-media partners to personalise content and measure campaign effectiveness.
| Cookie name | Provider / type | Expiration | Purpose |
|---|---|---|---|
| MUID, MUIDB, MR, MC1, MSFPC, _uetsid, _uetvid, SRM_B, ANON, ANONCHK, NAP, MH, OID, OIDI, OIDR, BCP, BFB, BFBUSR, ACL, ACLUSR | Microsoft / Bing Ads third-party | 24 hours 5 years | Enables advertising analytics, retargeting and conversion measurement across Microsoft properties. |
| _gcl_au | Google Ads first-party | 3 months | Measures conversions and campaign performance. |
| IDE | Google Ads (DoubleClick) third-party | 1 year | Used for targeted advertising and frequency capping. |
| bcookie | LinkedIn third-party | 1 year | Supports LinkedIn advertising and analytics. |
How to manage cookies
You can manage or change your cookie preferences at any time by clicking the cookie-settings icon on our website. This allows you to turn non-essential cookies on or off according to your preferences.
You can also control or delete cookies through your browser settings. For guidance, visit:
Restricting cookies may affect your use of the website, including interactive features such as forms or the chatbot.
Further information
If you have any questions about how we use cookies or how we handle your personal data more generally, please see our Privacy Notice or contact our Data Protection Officer at: [email protected].
This Cookie Notice was last updated October 2025.