Cookie Policy

Last Updated: December 2024

This Cookie Policy explains how NSF LOAN ("we", "us", or "our") uses cookies and similar technologies when you visit our website or use our mobile application. By continuing to use our services, you consent to our use of cookies as described in this policy.

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 your preferences and improve your browsing experience.

2. Types of Cookies We Use

Cookie Type	Purpose	Duration
Essential	Required for basic website functionality, security, and authentication	Session-based
Functional	Remember your preferences (language, region, display settings)	1 year
Analytics	Help us understand how visitors use our website to improve services	2 years
Marketing	Used to deliver relevant advertisements and track campaign effectiveness	90 days

3. Specific Cookies We Use

3.1 Essential Cookies

session_id: Maintains your login session
csrf_token: Security token to prevent cross-site request forgery
auth_token: Authentication verification

3.2 Functional Cookies

language_pref: Stores your preferred language (EN/MS/ZH)
theme_mode: Remembers dark/light mode preference
currency_display: Your preferred currency display format

3.3 Analytics Cookies

_ga (Google Analytics): Distinguishes unique users
_gid (Google Analytics): Distinguishes users for 24 hours
_gat (Google Analytics): Throttles request rate

4. Mobile Application

Our mobile application uses similar technologies including:

Local Storage: Stores app preferences and cached data
Device Identifiers: For push notifications and security
Firebase Analytics: App usage and performance tracking

5. Managing Cookies

You can control and manage cookies in several ways:

5.1 Browser Settings

Most browsers allow you to:

View cookies stored on your device
Delete individual or all cookies
Block third-party cookies
Block all cookies from specific sites

Note: Disabling essential cookies may affect your ability to use our services, including logging in, applying for loans, and making payments.

5.2 Opt-Out Links

Google Analytics: https://tools.google.com/dlpage/gaoptout
Facebook: Facebook Ad Preferences

6. Third-Party Cookies

We may use third-party services that set their own cookies:

Google Services: Analytics, reCAPTCHA, Maps
Payment Processors: Secure payment verification
Social Media: Share buttons and embedded content

7. Do Not Track Signals

Some browsers have a "Do Not Track" (DNT) feature. Our website currently does not respond to DNT signals, but you can manage your cookie preferences as described above.

8. Updates to This Policy

We may update this Cookie Policy from time to time. Any changes will be posted on this page with an updated revision date.

Questions About Cookies?

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

Email: support@nsfloan.com

Phone: +60 3-XXXX XXXX