Cookie Policy

Last Updated: November 18, 2026

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 website owners.

Cookies allow websites to recognize your device and store some information about your preferences or past actions. This helps improve your browsing experience by enabling websites to remember your settings and provide personalized content.

How We Use Cookies

NCSECU Loan Calculator uses cookies and similar tracking technologies to enhance your experience on our website. We use cookies for various purposes, including:

  • Enabling essential website functionality
  • Remembering your preferences and settings
  • Analyzing website traffic and user behavior
  • Improving website performance and user experience
  • Understanding how visitors interact with our calculators
  • Providing relevant content and features

Types of Cookies We Use

1. Essential Cookies

These cookies are necessary for the website to function properly and cannot be disabled in our systems. They are usually set in response to actions you take, such as setting your privacy preferences, logging in, or filling in forms.

Examples:

  • Session management cookies
  • Security cookies
  • Load balancing cookies

Duration: Session cookies (deleted when you close your browser) or persistent cookies (remain for a specified period)

2. Analytics and Performance Cookies

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. This helps us improve our website's functionality and user experience.

Examples:

  • Google Analytics cookies
  • Page view tracking cookies
  • User behavior analysis cookies

Duration: Typically 1-2 years

Information Collected:

  • Pages visited and time spent on each page
  • How you arrived at our website
  • What you clicked on during your visit
  • Device and browser information
  • Geographic location (country/city level)

3. Functionality Cookies

These cookies enable enhanced functionality and personalization. They may be set by us or by third-party providers whose services we use on our pages.

Examples:

  • Language preference cookies
  • Calculator settings cookies
  • User interface preference cookies

Duration: Varies, typically 30 days to 1 year

4. Targeting/Advertising Cookies

These cookies may be set through our site by our advertising partners. They may be used to build a profile of your interests and show you relevant advertisements on other websites.

Examples:

  • Retargeting cookies
  • Ad network cookies
  • Social media advertising cookies

Duration: Typically 30 days to 1 year

Third-Party Cookies

In addition to our own cookies, we may use various third-party cookies to report usage statistics of the website and deliver advertisements on and through the website. These third parties may include:

Google Analytics

We use Google Analytics to analyze website traffic and user behavior. Google Analytics uses cookies to collect information such as how often users visit the site, what pages they visit, and what other sites they used prior to coming to our site.

For more information on how Google uses data, visit Google's Privacy & Terms.

Social Media Platforms

We may use cookies from social media platforms (such as Facebook, Twitter, LinkedIn) to enable social sharing features and track the effectiveness of our social media campaigns.

Advertising Networks

We may work with third-party advertising networks that use cookies to serve ads based on your browsing history and interests.

How to Control Cookies

You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences in several ways:

Browser Settings

Most web browsers allow you to control cookies through their settings. You can set your browser to:

  • Block all cookies
  • Allow only first-party cookies
  • Delete cookies when you close your browser
  • Notify you when a website tries to set a cookie

Here are links to cookie management instructions for popular browsers:

Opt-Out Tools

You can opt out of certain third-party cookies using these tools:

Mobile Devices

For mobile devices, you can adjust your privacy settings to limit ad tracking:

  • iOS: Settings > Privacy > Advertising > Limit Ad Tracking
  • Android: Settings > Google > Ads > Opt out of Ads Personalization

Impact of Disabling Cookies

If you choose to disable or block cookies, please note that:

  • Some features of our website may not function properly
  • Your preferences and settings may not be saved
  • Calculator inputs may not be remembered between sessions
  • You may need to manually adjust settings each time you visit
  • Some pages may load more slowly

Essential cookies cannot be disabled as they are necessary for the website to function. However, you can set your browser to block or alert you about these cookies, though this may affect site functionality.

Other Tracking Technologies

In addition to cookies, we may use other tracking technologies:

Web Beacons (Pixel Tags)

Small graphic images embedded in web pages or emails that allow us to track page views, email opens, and user behavior.

Local Storage

HTML5 local storage that allows websites to store data locally in your browser for improved performance and functionality.

Session Storage

Temporary storage that is cleared when you close your browser tab or window.

Cookie Retention

Different cookies have different retention periods:

  • Session Cookies: Automatically deleted when you close your browser
  • Persistent Cookies: Remain on your device for a set period (ranging from days to years) or until you manually delete them

We regularly review the cookies we use and remove those that are no longer necessary.

Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational reasons. We will notify you of any material changes by posting the updated policy on this page with a new "Last Updated" date.

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies.

Your Consent

By continuing to use our website, you consent to our use of cookies as described in this Cookie Policy. When you first visit our website, you may see a cookie banner that allows you to accept or customize your cookie preferences.

You can change your cookie preferences at any time using your browser settings or the opt-out tools mentioned above.

Contact Us

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

Related Policies

For more information about how we handle your data, please review: