- the types of cookies we use,
- for how long they work and for what purposes they are used,
- how to change your cookie settings and opt-out, and
- Who are we and how can you contact us.
Our website is lenderspreadsheet.com, incl. our sub-domains, we own and operate.
When we refer to “you” we mean you as a user or visitor of our website.
There are different types of cookies and they are used for different purposes.
Below you can read about what a cookie is, the difference between first and third party cookies and session cookies vs. persistent cookies and what types of cookies we use on our website and why.
A cookie may contain information about the website itself, a unique identifier that allows the site to recognise your web browser when you return to the website, additional data that serves the purpose of the cookie, and the lifespan of the cookie itself.
The word "cookies" or "cookie data" also covers information about IP and MAC addresses and other information about your device collected by said technologies.
Cookies are used to enable certain features (e.g. logging in), to track site usage (e.g. analytics), to store your user settings (e.g. timezone, notification preferences), and to personalise your content (e.g. advertising, language).
Session cookies only last as long as your online session. This means that they will disappear from your computer or device when you close your browser. They are therefore also sometimes referred to as temporary cookies. Typically, session cookies are used to remember what a user put in their basket when they are browsing a website.
Persistent cookies are different. These cookies are sometimes called permanent cookies. They will stay on your computer or device after you close your browser. These types of cookies will expire according to the time specified in the cookie. You can see the specific duration of each persistent cookie below.
First party cookies are cookies that are set by the website that you are visiting and it's only this website that can access and read these cookies.
Third party cookies are set by someone other than the owner of the website you’re visiting. As an example, some pages have content from other sites like YouTube. YouTube may set their own cookies on your browser when you play the video from YouTube. Cookies set by other sites and companies (i.e. third parties) can be used to track you on other websites that use the same third-party service.
We may engage third parties to assist with maintenance, operation, creation or functionality of our website, e.g. analytics providers and content partners. We grant these third parties’ access to selected information to perform specific tasks on our behalf.
Necessary cookies are required for the basic functionality of our website to work. We use necessary cookies to make it possible for you to only have to enter your username and password once during a visit to our website.
We also use necessary cookies to help with ensuring that you are given the option to accept or reject cookies, block non-necessary cookies from working until you give consent, and remember your cookie settings and choices. The cookies also help keep track of, if, and when, you gave consent to analytical cookies, T&Cs and email marketing.
Necessary cookies are also used for payment processing.
It's not necessary to accept nor possible to reject the use of necessary cookies as they are core for the functionality of our website.
Here are the necessary cookies we use, what we use them for, the specific cookies providers and each cookie’s duration:
|Our login system
|To enable our customers to log in to our platform. The PHPSESSID cookie is native to PHP and enables websites to store serialized state data. On the Action website it is used to establish a user session and to pass state data via a temporary cookie, which is commonly referred to as a session cookie. As the PHPSESSID cookie has no timed expiry, it disappears when the client is closed.
|PHPSESSID Session cookie
|Keeps the user identified properly across CloudFlare instances and helps improve the security of the website.
|__cfduid Expires after 30 days
Analytical cookies gather statistics. We use this information to make our website even better. The information collected via the analytical cookies track how you use our website during your visit. It helps us understand visitor usage patterns, identify, and diagnose problems or errors you may encounter, and make better strategic decisions in improving the website experience.
We will only set analytical cookies on your device if you give us your consent.
Here are the analytical cookies we use, what we use them for, the specific cookie providers and each cookie’s duration:
|_ga Expires after 730 days _ga_SM5FZT39SH Expires after 730 days
|These cookies from Hubspot are used to keep track of sessions, determine if the visitor has restarted their browser, keep track of a visitor's identity and generally track visitors.
|sc_is_visitor_unique Expires after 730 days is_unique Expires after 1825 days is_visitor_unique Expires after 730 days
Preference cookies are used in collecting information about your device and any settings you may configure for the purpose of remembering these settings when you’re visiting our website (like language and timezone settings). With this information, websites can provide you with customised, enhanced or optimised content and services.
We will only set preference cookies on your device if you give us your consent.
We don’t use preference cookies.
Targeting/advertising cookies are used in determining what promotional content is more relevant and appropriate to you and your interests. Websites may use them to deliver targeted advertising or to limit the number of times you see an advertisement. This helps companies improve the effectiveness of their campaigns, and the quality of content presented to you. These cookies may be set by the website you’re visiting (first party) or by third-party services. Targeting/advertising cookies set by a third-party service may be used to track you on other websites that use the same third-party service.
Here are the advertising/targeting cookies we use, what we use them for, the specific cookie providers and each cookie’s duration:
|Twitter is a social media network.
|Not currently installed
|Facebook is a social media network that allows users to share posts and photos with friends.
|Not currently installed
Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our website or opened an email that we have sent them. This allows us, for example, to monitor the traffic patterns of users from one page within our website to another, to understand whether you have come to our website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns.
By continuing to browse or by clicking 'Accept' on the banner at the bottom of your screen when you first access our website you agree to the storing of cookies on your device to enhance your site experience and for analytical purposes.
If you browse websites from multiple devices, you may also need to update your settings on each individual device.
Although some cookies can be blocked with little impact on your experience of a website, blocking all cookies may mean you are unable to access certain features and content on the site.
How to Enable or Disable cookies
Learn more about how to enable and disable cookies in Chrome, IE, Firefox, Edge and Safari from this article on avast.com.
This policy is effective from March 1 2021.
Testament Research, Inc.'s address is: P.O. Box 2570, Grand Cayman, Cayman Islands KY1-1103.
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