Cookie Policy
Last updated: November 7, 2024
This Cookie Policy explains how Factfoliopedia ("we," "our," or "us") uses cookies and similar technologies when you visit our website and use our AI-powered financial information services.
1. What Are Cookies
Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website. They help websites remember information about your visit, such as your preferences and login status, which can make your next visit easier and the site more useful to you.
Similar technologies include web beacons, pixels, local storage, session storage, and other tracking technologies that serve similar functions to cookies in helping us provide and improve our services.
Types of Cookies by Duration
- Session Cookies: Temporary cookies that are deleted when you close your browser or end your session
- Persistent Cookies: Cookies that remain on your device for a set period or until you manually delete them
Types of Cookies by Origin
- First-Party Cookies: Set directly by our website and used only by us
- Third-Party Cookies: Set by external services we use, such as analytics providers or security services
2. How We Use Cookies
We use cookies and similar technologies for several legitimate purposes to enhance your experience and improve our services:
- Essential Functionality: Enable core website features, maintain user sessions, and ensure platform security
- Performance Optimization: Analyze how our website is used and identify areas for improvement
- User Experience: Remember your preferences, settings, and customize your experience
- Security Protection: Protect against fraud, unauthorized access, and enhance platform security
- Analytics and Insights: Understand user behavior, measure performance, and improve our services
- Feature Enhancement: Enable advanced features like search history and personalized content
- Technical Support: Diagnose technical issues and provide better customer support
- Compliance Monitoring: Ensure compliance with legal and regulatory requirements
- Service Delivery: Deliver our AI-powered financial information services effectively
3. Categories of Cookies We Use
Essential Cookies (Always Active)
These cookies are necessary for the website to function properly and cannot be disabled. They enable basic functions like page navigation, access to secure areas, and user authentication:
- Authentication: Remember your login status and maintain secure sessions
- Security: Protect against cross-site request forgery and other security threats
- Load Balancing: Distribute traffic across our servers for optimal performance
- Session Management: Maintain your session state across page visits
- Form Data: Remember form inputs to prevent data loss during navigation
- Accessibility: Remember accessibility preferences and settings
- Language Settings: Remember your preferred language and regional settings
Performance and Analytics Cookies
These cookies collect information about how visitors use our website, helping us improve functionality and user experience:
- Usage Analytics: Track page views, user journeys, and feature usage patterns
- Performance Monitoring: Monitor page load times, error rates, and system performance
- A/B Testing: Test different versions of features to improve user experience
- Search Analytics: Analyze search queries to improve our AI algorithms
- Error Tracking: Identify and diagnose technical issues and bugs
- Conversion Tracking: Measure the effectiveness of our platform features
- Heat Mapping: Understand how users interact with different page elements
Functional Cookies
These cookies allow the website to remember choices you make and provide enhanced, personalized features:
- User Preferences: Remember your dashboard layout, display settings, and preferences
- Search History: Store your recent searches for quick access (if enabled)
- Customization: Remember your preferred data sources and comparison settings
- Notification Settings: Remember your communication and alert preferences
- Theme Preferences: Remember your preferred color scheme or display mode
- Saved Filters: Remember your frequently used search filters and criteria
- Bookmarks: Store your saved content and bookmarked information
4. Third-Party Cookies and Services
We may use third-party services that set cookies on our website to help us provide better functionality and analyze website usage. These services are carefully selected and subject to strict data protection requirements:
Analytics Providers
- Google Analytics: Website usage analysis and user behavior insights
- Custom Analytics: Proprietary analytics tools for financial data usage patterns
- Performance Monitoring: Third-party tools for monitoring website performance and uptime
Security Services
- Fraud Prevention: Services that help detect and prevent fraudulent activities
- DDoS Protection: Services that protect against distributed denial-of-service attacks
- Bot Detection: Tools that identify and block malicious automated traffic
Support and Communication
- Customer Support: Live chat and support ticket systems
- Communication Tools: Email delivery and communication tracking services
- Feedback Systems: Tools for collecting user feedback and surveys
These third-party cookies are subject to the respective privacy policies of these external services. We carefully vet all third-party providers to ensure they meet our data protection standards.
5. Cookie Duration and Storage
The duration for which cookies remain on your device varies depending on their purpose and type:
Session Cookies
- Automatically deleted when you close your browser
- Used for essential functions like authentication and session management
- Do not persist between browsing sessions
Persistent Cookies
These cookies remain on your device for specified periods:
- Short-term (1-30 days): User preferences and temporary settings
- Medium-term (1-12 months): Analytics data and performance metrics
- Long-term (1-2 years): Security settings and fraud prevention data
Local Storage
Some data may be stored in your browser's local storage, which persists until manually cleared or until we remove it programmatically.
6. Managing Your Cookie Preferences
You have several options for controlling and managing cookies on our website:
Our Cookie Preference Center
When you first visit our website, you'll see a cookie banner that allows you to:
- Accept All: Consent to all cookies for the best user experience
- Reject Non-Essential: Only allow essential cookies required for basic functionality
- Customize: Choose which categories of cookies you want to allow
You can change your preferences at any time by clearing your browser cookies and revisiting our site, or by using the cookie preference link in our footer.
Browser Settings
Most web browsers allow you to control cookies through their settings. You can typically:
- Block All Cookies: Prevent all cookies from being set (may affect functionality)
- Block Third-Party Cookies: Allow only first-party cookies from our website
- Delete Existing Cookies: Remove cookies that have already been set
- Receive Notifications: Get alerts when cookies are being set
- Set Exceptions: Allow cookies from specific websites while blocking others
Third-Party Opt-Out Options
For some third-party services, you can opt out directly:
- Google Analytics: Google Analytics Opt-out Browser Add-on
- Advertising Networks: Visit the Network Advertising Initiative opt-out page
- Industry Opt-Outs: Use industry-standard opt-out mechanisms where available
7. Impact of Disabling Cookies
While you have the right to disable cookies, please note that doing so may significantly affect your experience on our website:
Essential Cookies (Cannot be Disabled)
- Required for basic website functionality
- Necessary for security and fraud prevention
- Enable user authentication and session management
Impact of Disabling Non-Essential Cookies
- Reduced Functionality: Some features may not work properly or at all
- Repeated Information Entry: You may need to re-enter information more frequently
- Lost Personalization: Customized content and preferences may not be saved
- Performance Issues: Website performance may be reduced
- Limited Analytics: We cannot improve our services based on usage patterns
- Security Risks: Some security features may be less effective
- Support Limitations: Technical support may be more difficult to provide
8. Cookie Security and Privacy
We take the security and privacy of cookie data seriously and implement appropriate safeguards:
Security Measures
- Encryption: Sensitive cookie data is encrypted both in transit and at rest
- Secure Transmission: Cookies are transmitted over secure HTTPS connections
- Access Controls: Strict access controls limit who can access cookie data
- Regular Audits: We regularly audit our cookie usage and security practices
- Data Minimization: We only collect and store necessary cookie data
Privacy Protection
- Anonymization: Personal identifiers in cookies are anonymized where possible
- Purpose Limitation: Cookies are used only for their stated purposes
- Retention Limits: Cookie data is retained only as long as necessary
- Third-Party Agreements: All third-party providers must meet our privacy standards
9. International Considerations
Our cookie practices comply with international privacy laws and regulations:
- GDPR Compliance: Full compliance with European Union General Data Protection Regulation
- CCPA Compliance: Adherence to California Consumer Privacy Act requirements
- ePrivacy Directive: Compliance with EU ePrivacy Directive (Cookie Law)
- Regional Laws: Compliance with applicable privacy laws in other jurisdictions
- Cross-Border Transfers: Appropriate safeguards for international data transfers
10. Updates to This Policy
We may update this Cookie Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will:
- Update the Policy: Post the updated policy on our website with a new "Last updated" date
- Notify Users: Provide notice of material changes through email or website notifications
- Obtain Consent: Request new consent where required by applicable law
- Maintain Records: Keep records of policy versions and user consent
- Effective Date: Clearly indicate when changes take effect
We encourage you to review this Cookie Policy periodically to stay informed about our cookie practices.
11. Contact Us
If you have any questions about our use of cookies, this Cookie Policy, or wish to exercise your rights regarding cookies, please contact us:
Mailing Address
Factfoliopedia Privacy Office
4110 N 47th St
Phoenix, AZ 85018
USA
We will respond to your inquiry within 30 days of receipt, or sooner as required by applicable law. For urgent cookie-related issues, please call our support line during business hours.