Cookie Policy

Last Updated: January 1, 2026

This Cookie Policy explains how FairLend Loans uses cookies and similar technologies on our website. By using our website, you consent to the use of cookies as described in this policy.

1. 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 provide information to the website owners.

Cookies can be "persistent" or "session" cookies:

  • Persistent cookies remain on your device when you go offline
  • Session cookies are deleted as soon as you close your web browser

2. How We Use Cookies

FairLend Loans uses cookies for the following purposes:

2.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as:

  • Secure login and authentication
  • Session management
  • Shopping cart functionality
  • Form submissions

Without these cookies, certain services cannot be provided.

2.2 Performance Cookies

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously:

  • Pages visited and time spent
  • Error messages encountered
  • Website performance metrics
  • User flow through the site

2.3 Functionality Cookies

These cookies enable the website to provide enhanced functionality and personalization:

  • Remembering your preferences and settings
  • Language and location preferences
  • Username and password remembrance
  • Customized content delivery

2.4 Targeting/Advertising Cookies

These cookies are used to deliver relevant advertisements and track ad campaign performance:

  • Tracking ad impressions and clicks
  • Measuring ad effectiveness
  • Limiting ad frequency
  • Building user interest profiles

2.5 Analytics Cookies

We use analytics cookies to gather information about website usage:

  • Google Analytics
  • Heat mapping tools
  • User behavior analysis
  • Conversion tracking

3. Types of Cookies We Use

Cookie Name Type Purpose Duration
session_id Essential Maintains user session Session
auth_token Essential Authentication 30 days
preferences Functional Store user preferences 1 year
_ga Analytics Google Analytics 2 years
_gid Analytics Google Analytics 24 hours
_fbp Marketing Facebook Pixel 3 months

4. Third-Party Cookies

We may allow third-party service providers to place cookies on your device for the following purposes:

  • Analytics: Google Analytics, Mixpanel
  • Advertising: Google Ads, Facebook Pixel
  • Social Media: Facebook, Twitter, LinkedIn
  • Payment Processing: PayPal, Stripe

These third parties have their own privacy and cookie policies. We recommend reviewing their policies for more information.

5. Managing Cookies

You can control and manage cookies in various ways:

5.1 Browser Settings

Most web browsers allow you to:

  • View cookies stored on your device
  • Delete specific cookies or all cookies
  • Block cookies from specific websites
  • Block all cookies
  • Receive notifications when cookies are set

Please note that blocking or deleting cookies may affect the functionality of our website.

5.2 Our Cookie Consent Tool

When you first visit our website, you will see a cookie banner allowing you to:

  • Accept all cookies
  • Reject non-essential cookies
  • Customize your cookie preferences

You can change your preferences at any time by clicking the "Cookie Settings" link in the footer.

5.3 Opt-Out Options

You can opt out of targeted advertising through:

6. Do Not Track

Some browsers have a "Do Not Track" feature that signals websites not to track your browsing activity. Our website responds to these signals and will not set non-essential cookies when this feature is enabled.

7. Cookie Duration

The duration of cookies varies:

  • Session cookies: Deleted when you close your browser
  • Persistent cookies: Remain for a specified period (up to 2 years)
  • Third-party cookies: Duration set by the third party

8. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in technology, legislation, or our business practices. Changes will be posted on this page with an updated revision date.

9. Contact Us

If you have any questions about our Cookie Policy or how we use cookies, please contact us:

  • Email: privacy@fairlend.co.za
  • Phone: +27 11 123 4567
  • Address: 45 Financial District, London, EC2N 1AR, United Kingdom

By continuing to use our website, you consent to our use of cookies as described in this policy.

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