Cookie Privacy Policy

Cookie Privacy Policy

Last Updated: January 2025

This Cookie Privacy Policy explains how LoiNow.com (“LoiNow,” “we,” “us,” “our”) uses cookies, tracking technologies, and similar tools to improve website functionality, enhance user experience, and maintain security and compliance.

This policy aligns with:

• CCPA & CPRA (California Privacy Laws)
• GLBA Safeguards Rule
• FTC Online Tracking Guidelines
• 2024–2025 digital privacy best practices

By using our Site, you consent to the use of cookies as described in this policy.

1. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help:

• Recognize your browser
• Maintain session settings
• Improve performance
• Personalize content
• Enhance fraud prevention

Cookies do not give us access to your device.

2. Types of Cookies We Use

LoiNow uses several categories of cookies:

A. Essential / Strictly Necessary Cookies

These cookies are required for:

• Page navigation
• Secure account access
• Form submissions
• Authentication
• Website core functionality

Without these cookies, some features will not work.

B. Performance & Analytics Cookies

Used to improve website experience and measure performance.

We may use:

• Google Analytics
• Server log analytics
• Load-time monitoring tools

These cookies collect data such as:

• Pages visited
• Click behavior
• Device/browser type
• Session duration

We do not use analytics cookies to identify individuals.

C. Functional Cookies

Allow the Site to remember:

• User preferences
• Saved form data
• Display settings
• Previously selected options

These improve convenience and user experience.

D. Security & Fraud Prevention Cookies

These help us:

• Detect suspicious activity
• Prevent unauthorized access
• Maintain GLBA-compliant security protocols

These cookies are essential for protecting user data.

E. Advertising Cookies (Limited Use)

LoiNow does not sell data or use interest-based advertising cookies.
However, we may collect information for:

• Campaign performance
• Lead source tracking
• UTM-based analytics

All advertising-related cookies comply with FTC and CCPA standards.

3. Third-Party Cookies

We may use trusted third-party cookies from:

• Analytics providers
• Security vendors
• Performance and hosting services
• Underwriting or application platforms (if applicable)

Third-party providers are required to:

• Use GLBA-level safeguards
• Maintain data protection standards

We do not permit third parties to sell user data.

4. How You Can Control Cookies

You have full control over your cookie settings.

Browser-Level Controls

You may block or delete cookies through your browser settings:

• Chrome
• Safari
• Firefox
• Edge
• Opera

Blocking cookies may affect Site functionality.

Do Not Track (DNT)

LoiNow currently does not respond to browser DNT signals, consistent with industry standards.

California Opt-Out Notices

California users may submit:

• Opt-out of sharing
• Data deletion requests

📧 Loi@LoiNow.com

5. Legal Basis for Cookie Usage

We use cookies based on:

• Legitimate business interests (e.g., security, analytics)
• User consent (where required by law)
• Compliance with data protection laws

6. GLBA Security Safeguards and Cookies

Because LoiNow operates under financial regulations, cookies also help enforce:

• Authentication controls
• Session security
• Intrusion detection
• Fraud monitoring

This ensures compliance with the Gramm-Leach-Bliley Act (GLBA).

7. Updates to This Cookie Policy

We may update this policy periodically to reflect:

• Regulatory changes
• New technologies
• Improvements to compliance

Changes will be posted with a revised “Last Updated” date.

8. Contact Information

For cookie-related questions or requests:

📧 Loi@LoiNow.com
🌐 https://LoiNow.com

Legal Disclaimer

This Cookie Policy is for informational purposes only and does not constitute legal advice. LoiNow may update this document to maintain compliance with evolving federal and state regulations.