Cookie Policy
PS Finance – Cookie Policy
Last updated: May 2, 2025
This Cookie Policy explains how PS Finance (“we,” “us,” or “our“) uses cookies and similar tracking technologies when you visit psfinance.com and any related sub‑domains (collectively, the “Site“). It works in tandem with our Privacy Policy and is designed to meet the requirements of the EU ePrivacy Directive and GDPR, California’s CCPA/CPRA, and the New York SHIELD Act.(gdpr.eu, thoropass.com, pandectes.io)
1. What Are Cookies?
Cookies are small text files that websites place on your device to store information such as a unique identifier, language preference, or login state. They can be “first‑party” (set by PS Finance) or “third‑party” (set by external providers).(termly.io, ringcentral.com)
2. Why We Use Cookies
We use cookies to:
Ensure the Site functions securely and correctly (e.g., session management, CSRF protection).(bigid.com)
Remember your preferences, such as funding‑application progress.(cookieyes.com)
Analyze Site traffic and performance to improve services.(usercentrics.com)
Personalize content and measure marketing campaigns (including retargeting).(transcend.io)
Facilitate communications via RingCentral SMS widgets.(ringcentral.com)
3. Types of Cookies We Place
| Category | Purpose | Example Providers | Retention |
|---|---|---|---|
| Strictly Necessary | Enable core functionality such as secure log‑in, load balancing, and fraud prevention. | PS Finance, Cloudflare | Session / up to 12 months |
| Performance / Analytics | Collect aggregated statistics on page visits and user flows. | Google Analytics, Cloudflare Analytics | 1 day – 24 months |
| Functional | Remember user choices (e.g., pre‑filled attorney info) to enhance experience. | Hotjar, Intercom | 6 months |
| Advertising / Targeting | Deliver relevant ads and measure campaign effectiveness; includes cross‑site tracking pixels. | Meta Pixel, Google Ads, LinkedIn | 30 days – 24 months |
| Communications | Support RingCentral embedded SMS/chat functionality. | RingCentral | Session |
The specific cookies currently in use may change as we update our Site; a real‑time inventory is available via the “Cookie Settings” link in our banner.
4. Legal Basis & Consent
GDPR / ePrivacy – We rely on your explicit opt‑in consent for all cookies except those that are strictly necessary.(gdpr.eu)
CCPA / CPRA – California residents may opt out of the “sale” or “sharing” of personal information collected via advertising cookies by clicking “Do Not Sell or Share My Info.”(thoropass.com, oag.ca.gov)
New York SHIELD Act – We maintain reasonable administrative, technical, and physical safeguards around cookie‑derived data.(pandectes.io, usercentrics.com)
5. Managing Your Cookie Preferences
When you first visit our Site, a cookie banner lets you accept all, reject non‑essential, or customize categories. You may adjust your choices anytime by selecting “Cookie Settings” at the bottom of each page. Most browsers also allow you to block or delete cookies; however, doing so may impact functionality. We honor Global Privacy Control (GPC) and recognized Do Not Track signals where technically feasible.(cookieyes.com, transcend.io)
6. Third‑Party Cookies
Third‑party cookies are controlled by their respective providers and are subject to their privacy policies. Key partners include:
Google Analytics & Google Ads – analytics and advertising.
Meta Platforms – remarketing and conversion measurement.
RingCentral – communications widgets and anti‑fraud.(ringcentral.com)
We do not have direct control over these cookies but seek contractual assurances that providers will use them solely for PS Finance’s purposes and protect your data.
7. Updates to This Policy
We may update this Cookie Policy to reflect changes in technology, law, or our practices. When we do, we will revise the “Last updated” date and, if the changes are material, display a prominent notice on the Site.
8. Contact Us
Questions about this Cookie Policy?
PS Finance – Privacy Department
183 New Dorp Lane
Staten Island, NY 10306
Phone: (866) FUNDS‑NOW
Email: info@psfinance.com