Cookie Policy
Effective Date: May 11, 2026
This Cookie Policy explains how MortgageNegotiator.ai uses cookies and similar tracking technologies when you visit our website or use our Services.
What Are Cookies?
Cookies are small text files placed on your device by websites you visit. They allow websites to remember your actions and preferences, recognize you on return visits, and operate certain features.
We also use similar technologies like web beacons, pixels, and local storage that serve similar purposes.
Types of Cookies We Use
Strictly Necessary Cookies
Required for the platform to function. Disabling these will break core features.
| Cookie | Purpose | Duration |
|---|---|---|
session_id |
Keeps you logged in | Session |
csrf_token |
Security protection | Session |
cookie_consent |
Remembers your cookie preferences | 12 months |
Functional Cookies
Remember your preferences and improve your experience.
| Cookie | Purpose | Duration |
|---|---|---|
theme |
Remembers your display preferences | 12 months |
last_state |
Remembers your last loan profile state | 90 days |
Analytics Cookies
Help us understand how the Services are used so we can improve them.
| Cookie | Purpose | Duration |
|---|---|---|
_ga (Google Analytics, if used) |
Distinguish unique users | 24 months |
_gid |
Distinguish unique users | 24 hours |
Payment Processor Cookies
Set by Stripe (or our payment processor) to process payments securely and prevent fraud.
These cookies are set by stripe.com or m.stripe.network. Stripe's cookie use is governed by Stripe's own policies.
Third-Party Cookies
Some cookies on our site are set by third parties:
- Google Analytics (if used): Site usage analytics
- Stripe: Payment processing and fraud prevention
- SendGrid: Email delivery tracking (when you click a link in our email)
We do not control these third-party cookies. Their use is governed by the respective company's privacy policy.
How to Control Cookies
On Our Site
When you first visit MortgageNegotiator.ai, you will see a cookie consent banner offering you choices. You can:
- Accept all cookies
- Accept only strictly necessary cookies
- Customize your preferences
You can update your preferences at any time by clicking "Cookie Settings" in the footer.
In Your Browser
Most browsers let you control cookies through their settings:
- Chrome: Settings → Privacy and security → Cookies
- Safari: Preferences → Privacy → Manage Website Data
- Firefox: Settings → Privacy & Security → Cookies and Site Data
- Edge: Settings → Cookies and site permissions
You can choose to: - Block all cookies (may break Services) - Block third-party cookies - Delete existing cookies - Receive alerts before cookies are set
Do Not Track
We do not currently respond to browser "Do Not Track" signals because no industry standard has been finalized.
What Happens If You Block Cookies
| Cookie Type | If Blocked |
|---|---|
| Strictly necessary | You won't be able to log in or use core features |
| Functional | Some preferences won't be remembered |
| Analytics | We won't be able to measure site usage; Services still function |
| Payment processor | Payments may not process; checkout may fail |
Changes to This Policy
We may update this Cookie Policy from time to time. We will post updates on this page with a new effective date.
Contact
Questions about cookies?
MortgageNegotiator.ai Email: privacy@mortgagenegotiator.ai