Cookie Policy

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, understand how you use the site, and provide enhanced functionality. In addition to cookies, we may use similar technologies such as pixels, web beacons, local storage, and device fingerprinting to collect information about your browsing behavior and device characteristics. These technologies work together to help us provide, protect, and improve our services.

• Authentication: Maintains your login session and verifies your identity
• Security & CSRF Protection: Prevents cross-site request forgery attacks and enhances security
• Cookie Preferences: Stores your cookie consent choices and banner dismissal state
• Accessibility Settings: Remembers your accessibility preferences and accommodations
• Load Balancing: Distributes traffic across our servers for optimal performance
• Providers: Supabase (authentication, database), Vercel (hosting, edge functions)
• Duration: Session to 1 year depending on the specific cookie function
• These cookies cannot be disabled as they are required for the platform to function properly.

• Analytics cookies help us understand how visitors interact with our website. The data collected includes:
• Pages visited and navigation paths through the site
• Time spent on each page and scroll depth
• Traffic sources (referring websites, search engines, campaigns)
• Device and browser information (type, version, screen size)
• Approximate geographic location (city/region level only)
• This data is aggregated and anonymized where possible. It helps us identify popular content, detect usability issues, and improve the user experience.
• Providers: Google Analytics, Vercel Analytics
• Duration: Up to 2 years
• You may opt out of analytics cookies through the cookie consent banner or browser settings.

• Marketing cookies are used to deliver relevant advertising and measure the effectiveness of our marketing campaigns. These cookies may track:
• Ad interactions (clicks, impressions, conversions)
• Content engagement (which articles, videos, or tools you interact with)
• Cross-site browsing patterns (pages visited before and after our site)
• This information helps us show more relevant ads, avoid showing repetitive ads, and understand which marketing channels drive the most valuable engagement.
• Providers: Meta Pixel (Facebook), Google Ads
• Duration: Up to 2 years
• You may opt out of marketing cookies through the cookie consent banner. Opting out does not mean you will see fewer ads — it means the ads you see may be less relevant to your interests.

• Cookie Consent Banner: When you first visit our website, you will see a cookie consent banner allowing you to accept or customize your cookie preferences. You can change your preferences at any time by clicking the cookie settings link in the footer.
• Browser Settings: Most web browsers allow you to control cookies through their settings. You can typically find cookie settings under "Privacy" or "Security" in your browser preferences. Instructions for major browsers:
• Chrome: Settings → Privacy and Security → Cookies and other site data
• Safari: Preferences → Privacy → Manage Website Data
• Firefox: Preferences → Privacy & Security → Cookies and Site Data
• Edge: Settings → Cookies and site permissions → Manage and delete cookies
• Do Not Track: Our website responds to browser "Do Not Track" signals by disabling analytics and marketing cookies. Essential cookies required for site functionality will still be set.
• Please note that disabling cookies may impact the functionality of our platform and limit your ability to use certain features.

• We use services from the following third parties that may set cookies on your device:
• Supabase (supabase.com): Authentication, database services. Privacy Policy: supabase.com/privacy
• Vercel (vercel.com): Hosting, analytics, edge functions. Privacy Policy: vercel.com/legal/privacy-policy
• Google Analytics (analytics.google.com): Website analytics. Privacy Policy: policies.google.com/privacy
• Meta/Facebook (facebook.com): Advertising and conversion tracking. Privacy Policy: facebook.com/privacy/policy
• We do not control these third-party cookies. Please review the privacy policies of these providers for more information about their data practices and how to opt out.

• Essential Cookies: Session to 1 year (varies by function)
• Analytics Cookies: Up to 2 years from date of collection
• Marketing Cookies: Up to 2 years from date of collection
• Consent Preferences: 1 year (stored to remember your cookie choices)
• You can clear cookies at any time through your browser settings. This will remove all cookies, including your consent preferences, and you will be prompted to make cookie choices again on your next visit.

We may update this Cookie Policy periodically to reflect changes in the cookies we use, new technologies, or legal requirements. Material changes will be communicated through an updated cookie consent banner. Your continued use of our website after any changes constitutes acceptance of the updated Cookie Policy. The "Last Updated" date at the top of this policy indicates when it was last revised.

• Refine Mortgage Inc.
• 1096 Assembly Drive, Suite 212
• Fort Mill, SC 29708
• Email: privacy@refinemortgage.com
• Phone: (980) 247-0549