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Cookie Policy
Our cookie policy and how we use them
Last updated: April 2025
1. Introduction
The Own New Partner Portal (“the Platform”) is operated by Market Mortgage Ltd (“we”, “us”, “our”). The Platform is a business-to-business service used exclusively by authorised builders and mortgage brokers.
We use cookies and similar browser storage technologies to operate the Platform securely, monitor its performance, and improve the experience for our users. This policy explains what technologies we use, why we use them, and what information they collect.
By logging in to the Platform you accept this policy. Because the Platform is a closed B2B service requiring authentication, no separate cookie consent banner is displayed. Essential technologies cannot be disabled without losing access to the Platform. Non-essential technologies (analytics and error monitoring) are active for all authenticated sessions.
2. Essential Cookies
These are strictly necessary for the Platform to function. Without them you cannot log in or use any features.
Session Cookie
When you authenticate, an HTTP session cookie is set by Better Auth (our authentication library). This cookie:
- Name:
better-auth.session_token - Purpose: Identifies your authenticated session and keeps you logged in between page loads
- Duration: Session-based; also subject to server-side expiry enforced by our authentication layer
- Flags:
HttpOnly,Secure,SameSite— the cookie is not accessible to JavaScript and is only sent over HTTPS - Data stored: An opaque session token; no personal data is stored in the cookie itself
Consent Status
A localStorage entry with the key cookie_consent_status may be written to remember your cookie preference. This is used internally by the Platform and is not transmitted to any third party.
3. Analytics & Performance
PostHog (Usage Analytics)
We use PostHog to understand how the Platform is used. PostHog is configured to store data in localStoragerather than cookies. Data is sent to PostHog’s EU infrastructure (eu.i.posthog.com) via our own reverse proxy.
The following information is collected:
- Identity: A pseudonymous distinct ID linked to your user account
- Page views: URLs visited within the Platform and time spent on each page
- Feature events: Named events when you interact with key features (e.g. submitting a lead, viewing a rate, generating a document)
- Browser metadata: Browser type and version, operating system, screen resolution, referring URL
- Session data: Timestamps and session duration
PostHog data is stored in your browser’s localStorage under keys prefixed with ph_ (e.g. ph_distinct_id). These are not cookies and are not transmitted with every HTTP request, but they persist until you clear your browser storage.
Provider:PostHog Inc. — EU data residency (eu.i.posthog.com). See PostHog’s Privacy Policy.
4. Error Monitoring & Session Replay
Sentry
We use Sentry to detect, record, and diagnose errors and performance issues. Sentry operates on EU infrastructure (*.ingest.de.sentry.io).
The following information may be collected:
- Error details: JavaScript errors and exceptions, including stack traces and the file and line number where they occurred
- Performance data: Page load times, API response times, and other web vitals
- Session replays: Sentry captures session recordings for approximately 10% of all sessions and 100% of sessions in which an error occurs. Replays may include a visual recording of on-screen content, mouse movements, clicks, and keystrokes. Input fields containing sensitive data (e.g. password fields) are masked automatically.
- Context: Browser and device metadata, user ID (pseudonymous), and the URL at the time of the error
Provider:Functional Software Inc. (Sentry) — EU data residency (sentry.io). See Sentry’s Privacy Policy.
5. Third-Party Technologies
Zoho PageSense (Analytics — may be active)
Our Content Security Policy permits connections to Zoho PageSense (pagesense-collect.zoho.eu), which provides heatmaps, session recording, and A/B testing capabilities. PageSense may be activated via the Zoho administrative console without a code deployment. If active, it may collect:
- Heatmap data (click and scroll positions)
- Session recordings (visual replay of your session)
- A/B test variant assignments
Provider:Zoho Corporation — EU data residency. See Zoho’s Privacy Policy.
6. Summary Table
| Name / Key | Type | Category | Purpose | Duration | Provider |
|---|---|---|---|---|---|
| better-auth.session_token | HTTP cookie | Essential | Authentication session management | Session / server expiry | Market Mortgage Ltd |
| cookie_consent_status | localStorage | Essential | Stores consent preference | Persistent (until cleared) | Market Mortgage Ltd |
| ph_* (multiple keys) | localStorage | Analytics | Usage analytics — page views, events, distinct ID | Persistent (until cleared) | PostHog (EU) |
| Sentry SDK (in-memory) | In-memory / network | Functional | Error tracking; session replay (10% / 100% on error) | Session | Sentry (EU) |
| Zoho PageSense (if active) | Cookie / localStorage | Analytics | Heatmaps, session recording, A/B testing | Varies (set by Zoho) | Zoho (EU) |
7. How to Manage Cookies and Storage
Browser cookie settings
All major browsers allow you to view, block, or delete cookies through their settings menus. You can also configure your browser to warn you before a cookie is stored. For guidance, refer to your browser’s help documentation:
Clearing localStorage
PostHog and consent status data are held in your browser’s localStorage, not in cookies. To clear this data, open your browser’s developer tools (F12 or Inspect), navigate to the Application tab, select Local Storage, and delete the relevant entries for this site. Alternatively, clearing all site data for this domain from your browser settings will remove both cookies and localStorage.
Essential cookies cannot be disabled
The session cookie (better-auth.session_token) is required for the Platform to function. Blocking or deleting it will log you out and prevent you from accessing the Platform. Because this is a secure, authenticated B2B service, there is no way to use the Platform without this cookie.
Opting out of third-party analytics
We do not currently provide an in-Platform mechanism to opt out of PostHog analytics or Sentry error monitoring individually. If you have concerns about data collected by these services, please contact us and we will address your request in accordance with applicable data protection law.
8. Changes to This Policy
We may update this policy from time to time. When we do, we will update the “Last updated” date at the top of this page. Continued use of the Platform following any changes constitutes acceptance of the updated policy. We recommend reviewing this page periodically.
9. Contact Us
If you have any questions about our use of cookies or this policy, please contact us via our contact form.
Market Mortgage Ltd (trading as Own New) is registered in England & Wales. Registered Company number 10821229. Market Mortgage Ltd administers the Own New scheme and is not regulated by the FCA. Users of the scheme should seek independent advice from a qualified and regulated mortgage broker before making any decisions.