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Cookie Policy

Last Updated: 24 November 2025

This Cookie Policy explains how LoanHunters uses cookies and similar tracking technologies on our website. This policy should be read in conjunction with our Privacy Policy.

1. What Are Cookies?

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

Cookies allow our website to remember your actions and preferences (such as your language preference) over a period of time, so you don't have to keep re-entering them whenever you return to our site or browse from one page to another.

2. Types of Cookies We Use

We use different types of cookies for different purposes. Below is a detailed explanation of each category:

2.1 Necessary Cookies (Always Active)

These cookies are essential for our website to function properly.

Purpose: Enable core functionality such as security, network management, and accessibility.

Examples:

  • Session cookies that maintain your logged-in status
  • Security cookies that authenticate users and prevent fraud
  • Load balancing cookies that ensure website stability
  • Cookie consent cookies that remember your preferences

Duration: Session (deleted when browser closes) or up to 12 months

✓ Cannot be disabled - required for website operation

2.2 Functional Cookies

These cookies enable enhanced functionality and personalization.

Purpose: Remember your preferences and choices to provide a more personalized experience.

Examples:

  • Language preferences
  • Font size and accessibility settings
  • Form auto-fill information (non-sensitive)
  • Recently viewed loans or searches

Duration: Up to 12 months

Note: Disabling these cookies may affect website functionality and your user experience.

2.3 Analytics Cookies

These cookies help us understand how visitors interact with our website.

Purpose: Collect anonymous information about how you use our website to help us improve it.

Information Collected:

  • Pages visited and time spent on each page
  • How you arrived at our website (search engine, direct link, etc.)
  • What you clicked on during your visit
  • Browser type, device type, and screen resolution
  • General location (city/country level only)

Third-Party Services:

  • Google Analytics - tracks website usage and performance
  • Hotjar or similar tools - understand user behavior through heatmaps

Duration: Up to 24 months

Note: All analytics data is anonymized and aggregated. We use IP anonymization to protect your privacy.

2.4 Marketing/Advertising Cookies

These cookies track your browsing activity to deliver relevant advertisements.

Purpose: Show you relevant ads based on your interests and measure advertising effectiveness.

What They Do:

  • Track which pages and products you view
  • Remember websites you've visited
  • Share this information with advertisers
  • Limit the number of times you see an ad
  • Measure whether you clicked on ads

Third-Party Services:

  • Facebook Pixel - retargeting and conversion tracking
  • Google Ads - advertising and remarketing
  • LinkedIn Insight Tag - B2B advertising

Duration: Up to 24 months

Note: These cookies may track your browsing across multiple websites. Disabling them will not reduce the number of ads you see, but ads may be less relevant to you.

3. First-Party vs Third-Party Cookies

First-Party Cookies

These are cookies set directly by LoanHunters when you visit our website. We have full control over these cookies and use them primarily for website functionality and analytics.

Third-Party Cookies

These are cookies set by external services we use, such as Google Analytics or Facebook. These third-party providers have their own privacy policies that govern how they use the information collected through their cookies.

Third-party services we use include:

4. How to Manage Your Cookie Preferences

4.1 Our Cookie Consent Tool

When you first visit our website, you will see a cookie consent banner that allows you to:

  • Accept All: Allow all types of cookies
  • Necessary Only: Allow only essential cookies required for website operation
  • Customize: Choose which categories of cookies you want to allow

You can change your preferences at any time by clicking the "Cookie Settings" link in our website footer or by clearing your browser cookies (which will show the consent banner again).

4.2 Browser Settings

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

  • View and delete cookies
  • Block cookies from specific websites
  • Block all third-party cookies
  • Block all cookies (not recommended)
  • Delete all cookies when you close your browser

How to manage cookies in popular browsers:

  • Chrome: Settings → Privacy and security → Cookies and other site data
  • Firefox: Settings → Privacy & Security → Cookies and Site Data
  • Safari: Preferences → Privacy → Cookies and website data
  • Edge: Settings → Cookies and site permissions → Cookies and site data

⚠️ Important Note:

Blocking or deleting cookies may affect your ability to use certain features of our website. Some pages may not display correctly, and you may need to re-enter information.

4.3 Opt-Out of Targeted Advertising

You can opt out of targeted advertising from participating companies:

4.4 Do Not Track (DNT)

Some browsers have a "Do Not Track" (DNT) feature that signals to websites that you don't want to be tracked. However, there is no industry standard for how websites should respond to DNT signals. Currently, our website does not respond to DNT signals, but you can manage your cookie preferences using our cookie consent tool.

5. Cookie Duration

Cookies can be either session cookies or persistent cookies:

Session Cookies

These are temporary cookies that are deleted when you close your browser. They are used for essential functions like maintaining your session as you navigate through our website.

Persistent Cookies

These remain on your device for a set period (or until you delete them). They are used to remember your preferences and provide analytics data. Our persistent cookies typically last:

  • Functional cookies: Up to 12 months
  • Analytics cookies: Up to 24 months
  • Marketing cookies: Up to 24 months
  • Cookie consent record: Up to 12 months

6. Children's Privacy and Cookies

Our website and services are not directed at individuals under the age of 18. We do not knowingly use cookies to collect information from children. If you are a parent or guardian and believe your child has provided information to us, please contact us immediately at privacy@loanhunters.co.za.

7. Updates 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. When we make changes, we will update the "Last Updated" date at the top of this policy.

We encourage you to review this policy periodically. If we make material changes, we will notify you by displaying a prominent notice on our website or by sending you an email.

8. POPIA Compliance

Our use of cookies complies with the Protection of Personal Information Act (POPIA) and other applicable South African data protection laws. We:

  • Obtain your consent before using non-essential cookies
  • Provide clear information about what cookies we use and why
  • Allow you to withdraw consent and manage your preferences at any time
  • Respect your privacy rights under POPIA
  • Implement appropriate security measures to protect cookie data
  • Only retain cookie data for as long as necessary

9. Contact Us About Cookies

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

  • Email: privacy@loanhunters.co.za
  • Phone: 086 129 3373
  • Address: LoanHunters, Johannesburg, South Africa

For general privacy inquiries or to exercise your rights under POPIA, please see our Privacy Policy.

✓ Your Cookie Preferences

You can view and change your cookie preferences at any time by clicking the button below:

Cookie Policy Version: 1.0
Last Updated: 24 November 2025
Next Review Date: May 2026
Compliance: POPIA (Act No. 4 of 2013)