Last Updated: December 12, 2025

Effective Date: December 12, 2025

1. Introduction

This Cookie Policy explains how Loan Bazaar (“we,” “us,” or “our”) uses cookies and
similar tracking technologies when you visit our website https://api.loanbazaar.cc/ (the “Website”).

This Policy should be read in conjunction with our Privacy Policy, which provides additional information about how we
collect, use, and protect your personal information.

Business Information:

Name: Loan Bazaar
Address: dasdad,
fdsf,
3212121
Email: nickparkerlivenow@gmail.com
Website: https://api.loanbazaar.cc/

2. What Are Cookies?

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

Cookies typically contain:

  • A unique identifier
  • The website domain name
  • Expiration date
  • Other parameters

Cookies allow websites to:

  • Remember your preferences and settings
  • Recognize you when you return
  • Improve your browsing experience
  • Analyze how you use the website
  • Deliver personalized content and advertisements

3. Types of Cookies We Use

We use several types of cookies on our Website:

3.1 Essential Cookies (Strictly Necessary)

These cookies are necessary for the Website to function properly. They enable core functionality such as:

  • Security and authentication
  • Session management
  • Load balancing
  • Shopping cart functionality
  • Payment processing

You cannot opt out of essential cookies as they are required for the Website to work.

Examples:

  • Session cookies
  • Authentication cookies
  • Security cookies
  • Load balancing cookies

3.2 Functional Cookies (Preference Cookies)

These cookies remember your choices and preferences to provide enhanced, personalized features, such as:

  • Language preferences
  • Region or location
  • Font size and display preferences
  • Previously entered form data

Examples:

  • Language selection cookies
  • User interface customization cookies
  • Video player settings cookies

3.3 Performance Cookies (Analytics Cookies)

These cookies collect information about how you use our Website, such as:

  • Pages visited
  • Time spent on pages
  • Links clicked
  • Error messages encountered
  • Entry and exit pages

This information is aggregated and anonymous. We use it to:

  • Improve Website performance
  • Understand user behavior
  • Identify and fix errors
  • Optimize user experience

Examples:

  • Google Analytics cookies
  • Heatmap and session recording cookies
  • A/B testing cookies

3.4 Targeting/Advertising Cookies (Marketing Cookies)

These cookies track your browsing activity across websites to:

  • Deliver personalized advertisements
  • Limit the number of times you see an ad
  • Measure advertising campaign effectiveness
  • Build a profile of your interests

Examples:

  • Facebook Pixel
  • Google Ads cookies
  • Retargeting cookies
  • Social media cookies

4. How We Use Cookies

We use cookies for the following purposes:

4.1 To Provide and Maintain Our Website

  • Enable essential Website functionality
  • Remember your login status
  • Maintain your shopping cart
  • Process payments securely

4.2 To Improve User Experience

  • Remember your preferences and settings
  • Personalize content based on your interests
  • Provide language-specific content
  • Remember your previous interactions

4.3 To Analyze Website Performance

  • Understand how visitors use our Website
  • Identify popular pages and content
  • Detect and diagnose technical problems
  • Measure Website traffic and trends

4.4 To Deliver Personalized Advertising

  • Show relevant advertisements based on your interests
  • Limit ad frequency
  • Measure ad campaign performance
  • Retarget visitors who have shown interest in our products

4.5 To Ensure Security

  • Detect and prevent fraudulent activity
  • Protect against spam and abuse
  • Verify user identity
  • Secure user sessions

5. First-Party vs. Third-Party Cookies

5.1 First-Party Cookies

First-party cookies are set by our Website directly. We have full control over these cookies and use them to:

  • Provide core Website functionality
  • Remember your preferences
  • Analyze Website usage

5.2 Third-Party Cookies

Third-party cookies are set by external services we use, such as:

  • Analytics providers (Google Analytics, Adobe Analytics)
  • Advertising networks (Google Ads, Facebook Ads)
  • Social media platforms (Facebook, Twitter, LinkedIn)
  • Content delivery networks (CDNs)
  • Payment processors

We do not control third-party cookies. These cookies are governed by the privacy policies of the respective third
parties.

6. Specific Cookies We Use

Below is a list of specific cookies used on our Website:

ESSENTIAL COOKIES:

  • Cookie Name: PHPSESSID
    Purpose: Session management
    Duration: Session (deleted when browser closes)
    Type: First-party
  • Cookie Name: csrf_token
    Purpose: Security and CSRF protection
    Duration: Session
    Type: First-party

FUNCTIONAL COOKIES:

  • Cookie Name: language_preference
    Purpose: Remember language selection
    Duration: 1 year
    Type: First-party
  • Cookie Name: cookie_consent
    Purpose: Remember cookie consent choices
    Duration: 1 year
    Type: First-party

ANALYTICS COOKIES:

  • Cookie Name: _ga
    Purpose: Google Analytics – distinguish users
    Duration: 2 years
    Type: Third-party (Google)
  • Cookie Name: _gid
    Purpose: Google Analytics – distinguish users
    Duration: 24 hours
    Type: Third-party (Google)
  • Cookie Name: _gat
    Purpose: Google Analytics – throttle request rate
    Duration: 1 minute
    Type: Third-party (Google)

ADVERTISING COOKIES:

  • Cookie Name: _fbp
    Purpose: Facebook Pixel – track conversions
    Duration: 3 months
    Type: Third-party (Facebook)
  • Cookie Name: IDE
    Purpose: Google Ads – measure ad performance
    Duration: 1 year
    Type: Third-party (Google)

7. Session Cookies vs. Persistent Cookies

7.1 Session Cookies

Session cookies are temporary and are deleted when you close your browser. They are used to:

  • Maintain your session while browsing
  • Remember items in your shopping cart
  • Keep you logged in during your visit

7.2 Persistent Cookies

Persistent cookies remain on your device for a set period or until you delete them. They are used to:

  • Remember your preferences for future visits
  • Provide personalized content
  • Analyze long-term usage patterns
  • Deliver targeted advertising

8. How to Manage Cookies

You have several options to manage or disable cookies:

8.1 Browser Settings

Most web browsers allow you to control cookies through their settings. You can:

  • Block all cookies
  • Block third-party cookies only
  • Delete existing cookies
  • Set preferences for specific websites

Browser-specific instructions:

  • Google Chrome: Settings > Privacy and Security > Cookies
  • Mozilla Firefox: Options > Privacy & Security > Cookies
  • Safari: Preferences > Privacy > Cookies
  • Microsoft Edge: Settings > Privacy > Cookies
  • Internet Explorer: Tools > Internet Options > Privacy

8.2 Cookie Consent Tool

When you first visit our Website, you will see a cookie consent banner. You can:

  • Accept all cookies
  • Reject non-essential cookies
  • Customize your cookie preferences
  • Change your preferences at any time

8.3 Opt-Out Tools

You can opt out of specific types of cookies:

Analytics Cookies:

  • Google Analytics Opt-out: https://tools.google.com/dlpage/gaoptout

Advertising Cookies:

  • Network Advertising Initiative: http://www.networkadvertising.org/choices/
  • Digital Advertising Alliance: http://www.aboutads.info/choices/
  • European Interactive Digital Advertising Alliance: http://www.youronlinechoices.eu/

8.4 Do Not Track

Some browsers have a “Do Not Track” (DNT) feature. We currently do not respond to DNT signals, but you can use the
methods above to control cookies.

9. Consequences of Disabling Cookies

If you disable or refuse cookies:

  • Some parts of our Website may not function properly
  • You may not be able to access certain features
  • Your preferences will not be saved
  • You may see less relevant content and advertisements
  • Your user experience may be degraded

Essential cookies cannot be disabled as they are required for the Website to function.

10. Cookies and Personal Data

Some cookies may collect personal data, such as:

  • IP address
  • Device identifiers
  • Browsing history
  • Location data

This data is processed in accordance with our Privacy Policy and applicable data protection laws (GDPR, CCPA, etc.).

You have rights regarding your personal data, including:

  • Right to access
  • Right to rectification
  • Right to erasure
  • Right to restrict processing
  • Right to data portability
  • Right to object

To exercise these rights, please contact us using the information in Section 14.

11. Third-Party Services

We use the following third-party services that may set cookies:

11.1 Google Analytics

Purpose: Website analytics and performance monitoring
Privacy Policy: https://policies.google.com/privacy
Opt-out: https://tools.google.com/dlpage/gaoptout

11.2 Google Ads

Purpose: Advertising and remarketing
Privacy Policy: https://policies.google.com/privacy
Opt-out: https://adssettings.google.com/

11.3 Facebook Pixel

Purpose: Advertising and conversion tracking
Privacy Policy: https://www.facebook.com/privacy/explanation
Opt-out: https://www.facebook.com/settings?tab=ads

11.4 Other Services

We may use additional third-party services. Please check our Website for a current list of services and their privacy
policies.

12. International Data Transfers

Cookies may transfer your data to servers located outside your country of residence, including countries that may not
have the same level of data protection as your country.

When we transfer data internationally, we ensure appropriate safeguards are in place, such as:

  • Standard Contractual Clauses
  • Privacy Shield certification (where applicable)
  • Adequacy decisions
  • Your explicit consent

13. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

  • Changes in our cookie practices
  • New technologies
  • Legal or regulatory requirements
  • Business needs

We will notify you of material changes by:

  • Posting the updated Policy on our Website
  • Updating the “Last Updated” date
  • Displaying a notice on our Website
  • Sending an email notification (if you have provided your email)

Your continued use of our Website after changes constitutes acceptance of the updated Cookie Policy.

14. Contact Us

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

Loan Bazaar
dasdad,
fdsf,
3212121
Email: nickparkerlivenow@gmail.com
Website: https://api.loanbazaar.cc/

15. Supervisory Authority

If you are located in the European Economic Area (EEA) and have concerns about our cookie practices, you have the
right to lodge a complaint with your local data protection supervisory authority.

BY USING OUR WEBSITE, YOU CONSENT TO OUR USE OF COOKIES IN ACCORDANCE WITH THIS COOKIE POLICY.