Cookie Policy

How we use cookies and similar tracking technologies

Last Updated: July 14, 2026

This Cookie Policy explains how Loan and Banking uses cookies and similar technologies to recognize you when you visit our website.

1. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile) when you visit a website. They help the website remember your actions and preferences over time.

2. Types of Cookies We Use

2.1 Essential Cookies (Strictly Necessary)

Cookie Name Purpose Duration
loan_and_banking_session Maintains your login session 2 hours
XSRF-TOKEN Security - prevents cross-site request forgery Session
cookie_consent Remembers your cookie preferences 1 year

Note: These cookies are essential for the website to function. You cannot opt out of these cookies.

2.2 Functional Cookies

  • Saved Preferences: Remember your calculator inputs and preferences
  • Language Settings: Remember your language choice
  • Dark Mode: Remember your theme preference (if applicable)

2.3 Analytics Cookies

We use Google Analytics to understand how visitors use our website:

  • _ga - Distinguishes users (2 years)
  • _gid - Distinguishes users (24 hours)
  • _gat - Throttles request rate (1 minute)

Purpose: Analyze traffic, popular pages, user behavior

2.4 Marketing Cookies (If Applicable)

Currently, we do not use marketing or advertising cookies. If we introduce them in the future, you will be notified and can opt out.

3. Why We Use Cookies

  • Essential Functionality: Enable core features like login and session management
  • User Experience: Remember your preferences and calculator inputs
  • Analytics: Understand how users interact with our site
  • Performance: Improve loading times and optimize content
  • Security: Protect against fraud and abuse

4. Third-Party Cookies

Some cookies are placed by third-party services:

4.1 Google Analytics

4.2 Payment Processors (Stripe, PayPal)

  • May set cookies during payment process
  • Necessary for secure transactions
  • Subject to their own privacy policies

5. How to Manage Cookies

5.1 Browser Settings

You can control cookies through your browser settings:

  • Chrome: Settings → Privacy and security → Cookies and other site data
  • Firefox: Options → Privacy & Security → Cookies and Site Data
  • Safari: Preferences → Privacy → Cookies and website data
  • Edge: Settings → Privacy, search, and services → Cookies

5.2 Cookie Consent Banner

When you first visit our website, you'll see a cookie consent banner where you can:

  • Accept all cookies
  • Reject non-essential cookies
  • Manage cookie preferences

5.3 Impact of Blocking Cookies

Note: Blocking or deleting cookies may impact functionality:
  • You may need to log in repeatedly
  • Calculator preferences won't be saved
  • Some features may not work properly

6. Other Tracking Technologies

6.1 Local Storage

We may use local storage to:

  • Save calculator history temporarily
  • Store user preferences
  • Cache data for faster loading

6.2 Session Storage

Temporary storage cleared when you close your browser.

7. Do Not Track

Some browsers support "Do Not Track" (DNT) signals. Currently, there is no standard for how websites should respond to DNT. We do not alter our data collection practices based on DNT signals.

8. Updates to Cookie Policy

We may update this Cookie Policy from time to time. Check the "Last Updated" date at the top. Continued use of our website after changes constitutes acceptance.

9. Contact Us

Questions about our cookie usage?