Cookies

1. Introduction

This Cookie Policy explains how Aspen Invoice Factoring ("we," "us," or "our") uses cookies and similar technologies on our website. By using our website, you consent to the use of cookies as described in this policy.

2. What Are Cookies?

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

2.1 Types of Cookies

• Session Cookies: Temporary cookies that expire when you close your browser
• Persistent Cookies: Remain on your device until they expire or are deleted
• First-Party Cookies: Set by our website directly
• Third-Party Cookies: Set by external services we use

3. How We Use Cookies

3.1 Essential Cookies

These cookies are necessary for our website to function properly and cannot be disabled:

• Session management and user authentication
• Security features and fraud prevention
• Load balancing and website performance
• Remembering your privacy preferences

3.2 Analytics Cookies

We use these cookies to understand how visitors use our website:

• Google Analytics (tracks page views, user behavior, traffic sources)
• Website performance monitoring
• Error tracking and debugging
• User experience improvements

3.3 Marketing Cookies

These cookies help us deliver relevant advertising and track marketing effectiveness:

• Google Ads and conversion tracking
• Facebook Pixel and social media advertising
• LinkedIn advertising and tracking
• Retargeting and remarketing campaigns

3.4 Functionality Cookies

These cookies enhance your experience on our website:

• Language and region preferences
• Form data persistence
• Chat widget functionality
• Calculator settings and preferences

4. Specific Cookies We Use

4.1 Our Own Cookies

Cookie Name	Purpose	Duration
session_id	User session management	Session
csrf_token	Security protection	Session
cookie_consent	Remember cookie preferences	1 year

4.2 Third-Party Cookies

Service	Cookie Names	Purpose
Google Analytics	_ga, _gid, _gat	Website analytics and reporting
Google Ads	_gcl_au, __gads	Advertising and conversion tracking
Facebook	_fbp, _fbc	Social media advertising

5. Cookie Duration

• Session Cookies: Deleted when you close your browser
• Short-term Cookies: 24 hours to 30 days
• Long-term Cookies: 1 to 24 months
• Persistent Cookies: Up to 2 years maximum

6. Managing Your Cookie Preferences

6.1 Browser Settings

You can control cookies through your browser settings:

• Chrome: Settings > Privacy and Security > Cookies
• Firefox: Options > Privacy & Security > Cookies
• Safari: Preferences > Privacy > Cookies
• Edge: Settings > Cookies and site permissions

6.2 Cookie Consent Tool

Our website includes a cookie consent banner where you can:

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

6.3 Opt-Out Links

• Google Analytics: Google Analytics Opt-out
• Google Ads: Google Ad Settings
• Facebook: Facebook Ad Preferences

7. Impact of Disabling Cookies

If you disable cookies, some features of our website may not work properly:

• You may need to re-enter information repeatedly
• Some pages may not display correctly
• Calculator preferences may not be saved
• We cannot provide personalized content
• Analytics and improvements may be limited

8. Other Tracking Technologies

8.1 Web Beacons

Small invisible images used to track email opens and website interactions.

8.2 Local Storage

Browser storage used to save user preferences and application data.

8.3 Server Logs

Automatic collection of IP addresses, browser information, and page requests.

9. Mobile App Tracking

If we develop mobile applications, similar tracking technologies may be used:

• Device identifiers and advertising IDs
• App usage analytics
• Push notification tokens
• Location data (with permission)

10. International Transfers

Some third-party services may transfer cookie data internationally:

• Google services (US and global data centers)
• Social media platforms (various international locations)
• Analytics providers (cloud-based services)

11. Data Retention

Cookie data is retained according to:

• Individual cookie expiration dates
• Third-party service retention policies
• Legal and regulatory requirements
• Business needs and purposes

12. Updates to This Policy

We may update this Cookie Policy to reflect:

• Changes in technology or legal requirements
• New cookies or tracking methods
• Updates to third-party services
• Improvements to our website functionality

13. Your Rights

You have the right to:

• Know what cookies are being used
• Control cookie settings
• Withdraw consent at any time
• Request deletion of cookie data
• File complaints with regulatory authorities

14. Contact Information

If you have questions about our use of cookies, please contact us: