Cookie Policy

1. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, or mobile) when you visit a website. They are widely used to make websites function efficiently, remember your preferences, and provide information to website operators.

Cookies cannot execute code or carry viruses. They simply allow a website to recognise your browser on future visits and serve their intended purpose.

2. How We Use Cookies

LOANCOS GmbH uses cookies on this Website for the following purposes:

• To ensure the basic functionality of the Website;
• To remember your cookie consent preferences;
• To analyse how visitors use the Website in aggregate, in order to improve its content and performance;
• To detect and prevent security threats.

3. Types of Cookies We Use

3.1 Strictly Necessary Cookies

These cookies are essential for the Website to function. They cannot be disabled. They are typically set in response to actions you take, such as setting your privacy preferences or navigating the site. Without them, services you have asked for cannot be provided.

Examples of strictly necessary cookies used on this Website:

• loancos_cookie_consent: Stores your cookie consent preference to prevent the consent banner from reappearing on subsequent visits. Duration: 12 months. Set by: LOANCOS GmbH.

3.2 Analytics Cookies (Optional)

These cookies allow us to measure and analyse how visitors use the Website — which pages are visited most frequently, how long visitors stay, and whether they encounter error messages. The information gathered is aggregated and does not identify individual users. Analytics cookies are only placed if you have given your consent.

If you choose to decline optional cookies, your visit will not be tracked for analytics purposes and no analytics cookies will be set.

3.3 Preference Cookies (Optional)

Preference cookies remember choices you make on the Website — such as your preferred language or region — to personalise your experience. These cookies are optional and will only be set with your consent.

4. Third-Party Cookies

We may use third-party service providers whose tools set their own cookies on your device. These providers operate under their own privacy policies. Where third-party cookies are used, we ensure that appropriate data processing agreements are in place. Any such cookies will be described in this Policy and subject to the same consent requirements.

Currently, third-party analytics tools may be used on this Website to help us understand aggregate visitor behaviour. Please refer to the relevant provider's privacy policy for further details on the data they collect.

5. Cookie Consent

When you first visit loancos.org, a cookie consent banner is displayed. By clicking "Accept All", you consent to the placement of all cookies described in this Policy, including optional analytics cookies. By clicking "Decline Optional", only strictly necessary cookies will be set.

Your preference is recorded and will be respected on subsequent visits for a period of 12 months, after which you will be asked to confirm your preferences again.

6. Managing and Withdrawing Consent

You may withdraw or modify your cookie preferences at any time using the following methods:

• Browser settings: Most web browsers allow you to control cookies through their settings. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. Please note that disabling cookies may affect the functionality of this Website. Browser-specific instructions can typically be found in your browser's "Help" menu.
• Contact us: You may contact us directly at support@loancos.org to request that we clear any stored cookie preferences associated with your session.

Please be aware that restricting cookies may impact your experience of this Website, as certain features may not function as intended without them.

7. Data Collected via Cookies

Any personal data collected via cookies is processed in accordance with our Privacy Policy. The legal basis for processing data through strictly necessary cookies is our legitimate interest in operating a functional and secure website. The legal basis for optional analytics cookies is your explicit consent.

8. Retention of Cookie Data

Cookies have varying lifespans. Session cookies expire when you close your browser. Persistent cookies remain on your device for a defined period or until you delete them. Specific retention periods for cookies used on this Website are indicated in section 3 above.

9. Changes to this Cookie Policy

We may update this Cookie Policy from time to time in response to changes in our practices or applicable law. The updated policy will be published on this page with a revised effective date. We encourage you to review this Policy periodically.

10. Contact

For questions about our use of cookies or to exercise your rights, please contact us at:

LOANCOS GmbH
Eschersheimer Landstraße 50–54
60322 Frankfurt am Main
Deutschland
Email: support@loancos.org