Effective Date: September 1, 2020
Updated: February 2, 2021
We may change this Cookie Notice at any time and will post a notice of such changes on our Site. Please check back to review any updates to this Cookie Notice. The last modified date at the top of this page indicates when this Cookie Notice was last revised. Any changes in this Cookie Notice will become effective when we make the revised Cookie Notice available on or through the Site.
2. WHAT IS A COOKIE?
A cookie is a small file placed onto your device from our servers. They are widely used in order to make websites and cloud-based services work in a better, more efficient way. For example, they can recognize you and remember important information that will make your use of a website or cloud-based service more convenient (e.g., by allowing you to enter a password less frequently or remembering your user preferences).
Taken alone, cookies do not personally identify you – rather, they merely recognize your Web browser. Unless you choose to identify yourself to CoFi, such as filling out a web form or you have previously identified yourself to us, you remain anonymous.
3. WHAT COOKIES DO WE USE?
We use different types of cookies on our Site to make your interaction with our Site easy and meaningful – strictly necessary cookies, functionality cookies, performance cookies, and targeting and advertising cookies. The Site may include first-party cookies (i.e., cookies that send data directly to CoFi and agents and contractors acting on our behalf , including cookies used to monitor, analyze, and administer the Sites) and third-party cookies (i.e., cookies that send data to our contractors for their commercial use).
• Personalization – For example, your language preference is remembered.
• Session Management - To ensure that your session is routed to the correct system for the duration of your visit.
• AB Testing / Multivariate Testing - We can display multiple versions of a page to a user to assess which generates the best user experience.
• Advertising - We can display advertising content depending on location, language, and your past browsing history.
Below we describe the different types of cookies we may use on the Site and our purpose for using them. You have the ability to opt out and limit which cookies apply to your use of our Site – more information on how to change your browser’s cookie settings are provided in Section 4 below.
A. Necessary Cookies.
Some cookies are essential to the operation of our services on the Site. They are used to facilitate our log-in process, authenticate users, and enable you to navigate the Site and to use their features. They are also used by our customer service team for in product messaging and analytics. The types of data collected are:
• session identifier
• IP address, and information generated from anonymized IP address that includes
• a computer host name
• geographic location
• time of visit
• webpage URL
• referring website
• security tokens (for authentication and information submission, like RFP forms)
Without these cookies, we may not be able to provide certain services or features, and the Sites may not perform as smoothly for you as we would like.
Because strictly necessary cookies are essential to operate our services on the Site, if you choose to use a product on our Site, there is no option to opt out of these cookies.
The following are the strictly necessary cookies which we use:
Third Party Description
B. Functionality Cookies.
In some circumstances, we may use functional cookies. Functional cookies enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in. Functional cookies allow us to remember the choices you make while browsing on the Site, and to provide enhanced and more personalized content and features, such as customizing a certain webpage or application page, remembering if we have asked you to participate in a promotion and for other services you request, like watching a video or commenting on a blog. In order to permit your connection to the Site, our servers receive and record information about your computer and browser, potentially including your IP address, browser type, and other software or hardware information. All of these features help us to improve your visit and assist in navigation of the Site’s features.
The following are the functionality cookies which we use:
Third Party Description
To manage the use of functionality cookies on our Site, or to opt out of their use, follow the instructions in Section 4 of this Cookie Notice. Note that opting out may impact the functionality you receive when using our Site.
C. Performance Cookies.
We and our service providers may use performance cookies to collect information about your use of the Site and enable us to improve the way they work. Performance cookies collect information about how you use the Site, for instance, which pages you go to most. The information allows us to see the overall patterns of usage, help us record any difficulties users may have while using the Site and show us whether or not our advertising is effective.
The following are the performance cookies which we use:
Third Party Description
To manage the use of performance cookies on our Site, or to opt out of their use, follow the instructions in Section 4 of this Cookie Notice. Note that opting out may impact the functionality you receive when using our Site.
D. Targeting and Marketing Cookies.
We also use third party advertising cookies. We and our service providers may use advertising cookies to deliver ads that we believe are more relevant to you and your interests.
The following are the Targeting and Marketing cookies which we use:
Third Party Description
To manage the use of targeting and marketing cookies on our Site, or to opt out of their use, follow the instructions in Section 4 of this Cookie Notice. Note that opting out may impact the functionality you receive when using our Site.
4. HOW TO LEARN ABOUT COOKIES.
If you want to control the cookies that are placed on your computer or other device, you could view cookies stored on your hard drive, choose whether or not to permit cookies to be set by default by changing browser settings as provided in this Section, or delete the cookies stored on your hard drive.
Please be aware, however, that your decision to control cookies may affect your experience of our Site – you may not be able to access all or parts of those Site. Turning cookies off, for instance, will prevent you from registering for, signing in to, and using many of the services on our Site.
The main Web browsers allow you to change your cookie settings directly through their sites. These settings will typically be found in the ‘options’ or ‘preferences’ menu of your browser. In order to understand these settings, the following links may be helpful; otherwise you should use the ‘Help’ option in your browser for more details.
For information on how to use the browser of your mobile device to amend cookie settings, you will need to refer to your mobile device manual.
The following third party links contain additional information about cookies and other helpful information on your ability to control what cookies apply to you. Please note, however, that these links will take you to third party sites over which CoFi has no control:
www.allaboutcookies.org/manage-cookies/index.html offers comprehensive information on how to amend the settings of a wide variety of browsers, details on how to delete cookies from your computer, and more general information about cookies
www.aboutcookies.org offers comprehensive information on how to amend the settings of a wide variety of browsers, details on how to delete cookies from your computer, and more general information about cookies
www.youronlinechoices.com/uk offers information about third party cookies generated by advertisers and how you can turn these off by going to the Internet Advertising Bureau’s (“IAB”) consumer site
www.networkadvertising.org offers a comprehensive listing of opt-outs for advertising platforms, however, note that there are many more networks listed on this site than those used by us at CoFi
5. “DO NOT TRACK” SIGNALS.
“Do Not Track” is a concept that has been promoted by regulatory agencies such as the U.S. Federal Trade Commission (“FTC”), for the Internet industry to develop and implement a mechanism for allowing Internet users to control the tracking of their online activities across websites by using browser settings. Some Web browsers may be configured to send Do Not Track signals to websites, or users may use similar mechanisms, to indicate a user’s preference that certain web technologies not be used to track the user’s online activity. The Site does not accept or process such Do Not Track signals or similar mechanisms.
7. CONTACT US.
Attn: Privacy Inquiry
23 Water Street
Holliston, MA 01746