Using (not eating) cookies.

We have placed cookies on your computer to help make this website better. But, please be aware we don’t keep any of your personal browsing data. Really. Guaranteed.

By continuing to use this website, you agree to our use of cookies in accordance with our cookie policy, outlined below. 


Cookie Policy for Tic:Toc Online Pty Ltd. (ABN 41 605 696 544) 

Most people don’t read this bit. But if you can spare 15 minutes or so of your life that you don’t ever want back (and you know how we hate to waste time), please read on.


For almost any modern website to work properly, it needs to collect certain basic information on its users. This helps us to present the next most relevant piece of information you have requested – some website’s call this optimised experience (buzzword, anyone?); we just refer to it as the best way possible to get you the most relevant information you have requested.

To do this, a site will create files known as cookies – which are small text files – and we place this on your device. These cookies are designed to allow the website to recognise its users on subsequent visits, or to authorise other website pages to recognise you for a purpose – for instance, to remember your user ID and to help you navigate between pages more efficiently. Hopefully this will make your experience of the Tic:Toc site much smoother and more intuitive.

In other websites, cookies are most often used to sell something to you.  But, not Tic:Toc. No Girl Guides at your front door here. The only thing we want for you is to have the best and fastest home loan application experience from anywhere in the world.

Importantly, not all the data we collect is anonymous; some of it is designed to detect browsing patterns and approximate geographical location to improve user experience. But this data and information collected by cookies is still not personally identifiable. “Wowwwww. Slow down,” you cry. “How does this help me in any way?”.

“Hmmmm,” we reply rather sheepishly. “Not a lot” is the honest answer. But the theory is that we look at the data clusters, of which you may have contributed, and this helps us to improve the experience for the next website visitor.

So no one can be sneaky, our online service is bound by the provisions of the Privacy Act 1988 (Cth),  including the Australian Privacy PrinciplesAs logic has it, please be aware that we are not responsible for the privacy practices of other sites. When you go to other websites from here, we advise you to be aware and read their own privacy policy. You can read ours here.

Tic:Toc connects with social media sites such as Facebook, LinkedIn, Twitter and Instagram. If you choose to "like" or "share" information from this website through these services (and we really hope you do), you should review the privacy policy of that service. If you're a member of a social media site, the interfaces may allow the site to connect your visits with other personal information. Tricky, hey?

Besides eating the traditional kind at Tic:Toc HQ, Tic:Toc collects a number of cookies from its users for various reasons, not least to track our own performance. Mainly, to assist in improving your overall experience of the site. Amongst other things, the cookies we use allow us to calculate how many visitors we have (anonymously, of course) – and how long they stay on our site.

We do our utmost to respect users’ privacy. We use these cookies to monitor and improve our services. We believe that your experience of the site would be adversely affected if you opted out of the cookies we use.

Tic:Toc uses Google Analytics to monitor visits to our website to transmit website traffic data to Google servers in the United States. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website traffic and webpage usage.

By using the Tic:Toc website, you consent to the processing of data about you by Google in the manner described in Google’s Privacy Policy and for the purposes set out above. You can opt out of Google Analytics if you disable or refuse the cookie, disable JavaScript, or use the opt-out service provided by Google.

 We set the following Google cookies:


Cookie name Cookie description Cookie purpose Cookie description ICC UK definition
__utma Google Analytics Identifying Unique Visitors Each unique browser that visits a page on our site is provided with a unique ID via the __utma cookie. In this way, subsequent visits to your website via the same browser are recorded as belonging to the same (unique) visitor. Performance
Google Analytics Determining Visitor Session  The Google Analytics tracking for ga.js uses two cookies to establish a session. If either of these two cookies are absent, further activity by the user initiates the start of a new session. Performance
__utmz Google Analytics Tracking Traffic Sources & Navigation When visitors reach our site via a search engine result, a direct link, or an ad that links to our page, Google Analytics stores the type of referral information in a cookie. This cookie gets updated with each subsequent page view to our site; it is used to determine visitor navigation within the website. Performance


We do want you to stay, but Que Sera.

Most browsers accept cookies automatically, but you can alter the settings of your browser to erase cookies or prevent automatic acceptance if you prefer. Generally, you have the option to accept all cookies, to be notified when a cookie is issued or reject all cookies. Visit the ‘options’ or ‘preferences’ menu on your browser to change settings.


By continuing to use our site, you agree to the placement of cookies on your device. If you choose not to receive our cookies, we cannot guarantee that your experience will be as fulfilling as it would otherwise be. Blah! So, it’s best not to change. After all, we’ve gone to a lot of trouble.