Cookie Policy

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, mobile phone, or tablet) when you visit a website. They are widely used to make websites work more efficiently and to provide information to the website owners.

2. How We Use Cookies

We use cookies for various purposes, including:

• Essential Cookies: Required for the website to function properly, including authentication and security features.

• Performance Cookies: Help us understand how visitors use our website, allowing us to improve functionality and user experience.

• Functional Cookies: Remember your preferences and settings to provide a personalized experience.

• Marketing Cookies: Track your activity to deliver targeted advertisements and measure campaign effectiveness.

• Analytics Cookies: Collect data about how you interact with our website to help us analyze usage patterns.

3. Types of Cookies We Use

Session Cookies

These cookies are temporary and are deleted when you close your browser. They help us maintain your session and provide continuity during your visit.

Persistent Cookies

These cookies remain on your device for a specified period or until you manually delete them. They help us remember your preferences and settings across multiple visits.

First-Party Cookies

These are cookies set by our website directly. They are used to store information about your preferences and activity on our site.

Third-Party Cookies

These are cookies set by third-party services (such as analytics providers or advertising networks) that we use to enhance our services.

4. Third-Party Services

We may use third-party services that place cookies on your device, including:

• Google Analytics: To analyze website traffic and user behavior.

5. Your Cookie Choices

You have the right to control cookies on your device. You can:

• Accept or Reject Cookies: Use our cookie consent banner to manage your preferences.

• Browser Settings: Modify your browser settings to block or delete cookies.

• Opt-Out: Use opt-out mechanisms provided by third-party services.

• Do Not Track: Enable the "Do Not Track" feature in your browser.

6. Cookie Consent

When you first visit our website, we will display a cookie consent banner. By continuing to use our website or clicking "Accept," you consent to our use of cookies as described in this policy. You can change your preferences at any time through your browser settings or our cookie management tools.

7. Impact of Disabling Cookies

If you disable cookies, some features of our website may not function properly. Essential cookies are necessary for the website to operate, and disabling them may prevent you from accessing certain services or features.

8. Data Retention

We retain cookie data in accordance with our data retention policies. Most cookies are retained for a period ranging from a few days to two years, depending on their purpose. You can delete cookies manually through your browser settings at any time.

9. International Considerations

If you are located in the European Union or other jurisdictions with specific cookie regulations, we comply with applicable laws, including the ePrivacy Directive and GDPR. We obtain your explicit consent before placing non-essential cookies on your device.

10. Cookie List

Below is a list of the main cookies we use:

Cookie Name

Cookie Name; Purpose; Duration

session_id; Session management; Session

user_preferences; Store user preferences; 1 year

_ga; Google Analytics tracking; 2 years

cookie_consent; Cookie consent preferences; 1 year​

11. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by updating the "Last updated" date at the top of this policy.

12. Contact Us

If you have questions about our use of cookies or this Cookie Policy, please contact us at:

Email: productdept@novahomeloans.com

Phone: 520-425-8496

​

​

​