Cookie Policy

Valid from: 2019-07-22

The data controller BNK Operations, L.P. (limited partnership number 1773, registered at Craigmuir Chambers, P.O. Box 71, Road Town, Tortola, VG 1110, the British Virgin Islands) (hereinafter the “Company“ or “we“), uses cookies in this website https://loans.bankera.com.

This Cookie Policy (hereinafter the “Cookie Policy“) explains what type of cookies we use, the information we collect using the cookies about the website’s visitors or customers (hereinafter “you“) and the aims for processing such information.

If you have any questions about this Cookie Policy please contact us by e-mail: [email protected].

What are cookies?

Cookies are small information files that your device (personal computer, telephone or laptop) browser finds on the website you visit and stores in your device. Cookies work to make your experience browsing our website as smooth as possible and they remember your preferences (your browsing habits, actions, and settings) so you don’t have to insert your details again and again. Also, cookies might allow monitoring the frequency of visits to the website and collect general statistical information on the number of visitors to the website, as well as, deliver advertised content which could be relevant to you or track the effectiveness of our ad campaigns on third party websites.

There are different categories of cookies which could be classified as follows:

A. By their duration:

The session cookies

These cookies are temporary and expire once the user leaves the site.

The persistent cookies:

These cookies will remain stored on your computer or device until deleted or until they reach their expiry date.

B. By their purpose:

The necessary cookies

Some cookies are essential for the website’s navigation, performance, security and functionality. These cookies are required in order to deliver information and services to you. For example, these cookies allow you to look through our website and to log-in to your Bankera Loans account. Without these cookies, some parts of our site just won’t work as they should. Please note that necessary cookies are essential and do not require consent.

The preferences cookies

These cookies (also called “functional“ or “ customizer cookies“) allow our site to remember your preferences, helping you to customize your experience on our site. That way we can remember you when you return to our site, direct you to the homepage of your current location and provide you with live chat support if needed.

The statistics cookies

These cookies (also known as “performance improvers“) tell us about how you use the site and, herewith, help us to make it better. For example, these cookies count the number of visitors to our website and see how visitors move around when they are using it. This helps us to improve the way our site works, for example, by ensuring that users find what they are looking for easily.

The marketing cookies (Not currently implemented)

These cookies (also called “targeters“ or “advertising cookies“) are used to deliver advertised content which is relevant to you and they can be used to track the effectiveness of our ad campaigns on third party websites. These cookies are placed on our site by our third party service providers and they may remember your web browsing activity and may be used to understand about your demographics, such as age and gender. Only anonymized information is captured and used and the purpose is to provide you with content which is relevant to you.

C. By the party which implements the cookies:

First party cookies

These cookies are issued from the website itself. The first party cookies often serve to give memory to the website about the user's data and preferences.

Third party cookies

These cookies are set by third parties and used on our website. The aim of third-party cookies is often to collect certain information to carry out various research into behavior, demographics and not least for targeted marketing, etc. The third-party may also on its own initiative to adjust the current list of its set cookies from time to time. By setting their cookies on our website third parties may also use other partners for cookie matching which may implement their cookies, as well. The list of the third-party selected partners may vary depending on their business relationship, therefore, for more information about third-party set cookies and partners engaged by third-party you should look at third-party’s website (i.e. third-party’s privacy policy).

The specific cookie may contain features from different types of cookies. For more information about the cookies please read Cookies we use.

Why do we use cookies?

We may use cookies in order to:

  • ensure the functionality of the website
  • constantly improve and develop the website
  • analyze the flow and to personalize the marketing content which might be interesting for you
  • provide the third parties‘ content

How do we use cookies?

We use cookies to enhance your browsing experience by:

  • recognizing when you log in and any preferred settings
  • giving you a browsing experience that is unique to you and to serve you content which we believe improves your site experience
  • analyzing how you use our site which helps us to troubleshoot any problems and to monitor our own performance

Cookies we use

Cookie nameCategoryProviderPurposeCreation timeValidity termData UsesType
__cfduidNecessaryCloudFareCookie by our hosting company, used to identify individual clients behind a shared IP address and apply security settings on a per-client basis.Upon the entry to the website1 yearUnique ID, durationHTTP
_gaStatisticsGoogleUsed to distinguish usersUpon the entry to the website2 yearsUnique ID, duration, time, visited pages, language, device (name, model, version, browser, resolution and other ), source of traffic, general anonymized demographics and interest groupsHTTP
_gidStatisticsGoogleUsed to distinguish usersUpon the entry to the website24 hoursUnique ID, duration, time, visited pages, language, device (name, model, version, browser, resolution and other ), source of traffic, general anonymized demographics and interest groupsHTTP
_gatStatisticsGoogleUsed to throttle request rateUpon the entry to the website1 minuteUnique ID, durationHTTP
utm_uuidMarketingBankera LoansUsed to identify user between first entry to the website and their subsequent actions on the websiteUpon the entry to the websiteUntil user logs inUnique IDHTTP
AMP_TOKENNecessaryGoogleAllows identification of single user between regular and AMP pages. AMP pages is a Google feature that strips all unnecessary content from page, allowing for easier reading and faster load times on small mobile screens. These pages are served from googles or other providers servers, so an ID is required to link user between our servers, and their servers.Upon the entry to the website30 seconds to 1 yearUnique IDHTTP
ACCESS_TOKEN, P_SESSION_IDNecessaryBankera LoansAuthenticates a user. When user performs a login, a key is generated and stored in these cookies, together with information on when the login occurred, when it will expire and some additional security related data. Part of these cookies is then sent to server when user performs any action. Server is able to identify user and check if he has permission to perform that action. Some security related data about user is tracked, such as last login, suspicious activity including amount of incorrect login attempts, etc.Upon login to website or if "forgot password" clickedUntil browser closedUnique ID, duration, authentication, security analysisHTTP
ACCESS_TOKEN_SIGNATURENecessaryBankera LoansUpon login to website or if "forgot password" clickedUntil browser closedSignature of ACCESS_TOKEN cookie (ensures it was not modified)HTTP
ga-disable-[property-id]NecessaryBankera LoansStores users cookie preferences. Other cookies will be loaded, or prevented from being loaded based on the value of this cookie.Upon accepting or rejecting cookies in the cookies notice.Indefinite, until cookies cleared.Storage of cookie preferencesHTTP
1P_JARNecessaryGoogleThese cookies are used for the functionality of Google Recaptcha which helps the company to detect abusive traffic on its website without any user friction and hereby protects the website from spam and abuse. Google Recaptcha uses an advanced risk analysis engine and adaptive challenges to keep automated software from engaging in abusive activities on the company's site. Therefore, the use of Google Recaptcha is indispensable for the security of the website.

These cookies may also be used for other purposes set by Google. In order to know more please check the terms of use for Google and it's privacy policy, available here:

https://policies.google.com/terms
https://policies.google.com/privacy
Upon opening a page with Google ReCaptcha, for ex. the "login" page.1 monthUser's preferences and other information such as the preferred language, the number of search results to be displayed on the page, result if the Google SafeSearch should be activated or not. For more information about usage you may check Google terms of use and privacy policy, available here:

https://policies.google.com/terms
https://policies.google.com/privacy
HTTP
ANID2 yearsHTTP
APISID3 yearsHTTP
CONSENT20 yearsHTTP
HSID3 yearsHTTP
NID2 yearsHTTP
SAPISID2 yearsHTTP
SID2 yearsHTTP
SIDCC6 monthsHTTP
SSID2 yearsHTTP
OTZ1 dayHTTP
DV1 hourHTTP
**Note:** these are cookies actively used by loans.bankera.com. If you inspect cookies by using, e.g. chrome developer tools, you can sometimes see more. That is because other projects, like exchange.bankera.com, also set their own cookies under the same domain "bankera.com". And yet, these cookies are never transmitted to anywhere when visiting loans.bankera.com, so they are not technically "used or active".

How could you change cookies preferences?

You can revoke your cookies consent by clicking and choosing the "I do not agree" option. In such a case, only necessary cookies will be stored.

Please note, that in some cases, deleting cookies may slow down the speed of browsing the web, restrict the functionality of certain website features or block access to the website.

You can also set your browser to accept all cookies, reject all cookies or notify when the cookie is downloaded. Each browser is different, therefore, if you do not know how to change your cookies settings, check out its Help menu. Your device's operating system may have additional cookie controls. If you do not want the information to be collected using cookies, in your browser settings refuse the use of cookies. To learn more about managing cookies, visit: http://www.allaboutcookies.org/manage-cookies/.

Our website might contain links to websites of other companies or organizations. Please note that our company is not responsible for the content of such websites, privacy principles or cookies they use.

Therefore, if you visit other websites from https://loans.bankera.com, you should check their privacy or cookie policies.

In order to comply with the changes of legislation governing the use of cookies or generally accepted practice related to the use of cookies or due to other important reasons, we may update this Cookie Policy from time to time by sole decision of the Company without separate notice to you. Any such changes will be effective upon the posting of the revised Cookie Policy and you are solely responsible for reviewing any such notice and the corresponding changes to the Cookie Policy. Your continued use of the website following any such revisions to the Cookie Policy will constitute your acceptance of such changes.

For more information about processing personal data please check our Privacy Policy