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COOKIE POLICY

SETTINGS OF COOKIES

Velocity Financial, Inc. uses cookies on websites we operate. Cookies are small files of information, stored on your computer that enable the analysis of website use. The cookies used on our web servers are mostly session cookies which are automatically deleted from your hard drive once the browser session has come to an end. Other cookies reside on your computer system and help us to recognize your computer when you next visit our sites (permanent cookies). This information is used to assess your use of the website, to compile reports about website activity for website operators and to provide other services relating to website activity and internet usage.

Cookies help to improve our websites and to deliver a better and more personalized service:

  • To estimate our audience size and usage pattern.
  • To store information about your preferences, and so allow us to customize our websites according to your individual interests.
  • To speed up your searches.
  • To recognize you when you return to our websites.

You can prevent the storage of cookies by changing your browser settings, though in this case you may not be able to use all the features on our websites. By using a Velocity Financial, Inc. website, you consent to the processing of data collected about you in the manner and for the purposes set out above. Information on deleting or controlling cookies is available at www.AboutCookies.org.

Here is a list of the cookies used on one or more of Velocity Financial, Inc. websites and what they are used for: (as on 27 Feb 2018)

Cookies Name Purpose Expiry Time
1P_JAR The cookie is used by Google to display personalized advertisements on Google sites, based on recent searches and previous interactions. 1 Month
__cfduid A cookie associated with sites using CloudFlare used to speed up page load times. According to CloudFlare, it is used to override any security restrictions based on the IP address the visitor is coming from. It does not contain any user identification information. 1 year
_cookieConsent Cookie Consent Disclaimer text (we cannot store disclaimer on user computer as we have not taken consent yet. this cookie should have value of only yes or no) (show the banner content using other programming / development) 1 year
_fbp Used by Facebook to deliver a series of advertisement products such as real-time bidding from third party advertisers. End of Session
_ga This cookie name is associated with Google Universal Analytics - which is a significant update to Google's more commonly used analytics service. This cookie is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each page request in a site and used to calculate visitor, session and campaign data for the sites analytics reports. By default, it is set to expire after 2 years, although this is customizable by website owners. 2 Years
_gid Used to distinguish users.
This cookie name is associated with Google Universal Analytics. This appears to be a new cookie and as of Spring 2017, no information is available from Google. It appears to store and update a unique value for each page visited.		 24 Hours
_cfuvid The _cfuvid cookie is set on a user’s browser to assign them a unique ID in addition to identifying them through their IP address. Without this cookie, visitors to a site will be recognized as the same user if they share the same IP, and any data collected will be shared for all users with that IP. End of session
__cf_bm To read and filter requests from bots. A few seconds
cf_clearance The Clearance Cookie stores proof that a challenge was passed. If present, it prevents issuing the challenge again and is needed to access the origin server. 1 Year

Cookies Specific to Showpad Applications

Please refer to the Showpad Cookie Policy for details of the cookies used by Velocity Financial, Inc. Showpad applications.

Web Tracking Tool

Some Velocity Financial, Inc. websites use web tracking tools to collect and save data in an anonymous form exclusively for the purposes of optimization. This data is not used to personally identify the website user, nor will any personal data will be saved. The user's IP address is disguised and does not allow for any conclusions regarding the identity of the website visitor.

Google Analytics

Some Velocity Financial, Inc. websites use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Google Analytics uses "cookies", which are text files placed on your computer to help the website analyze how visitors use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however, please note that if you do this, you may not be able to use the full functionality of this website. By using an Velocity Financial, Inc. website that uses Google Analytics, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

You can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under https://tools.google.com/dlpage/gaoptout?hl=en.

Please note that Velocity Financial, Inc. websites using Google Analytics initializes it with the setting “anonymizeIp”. This guarantees anonymized data collection by masking the last part of your IP address.

Further information concerning the terms and conditions of use and data privacy can be found at http://www.google.com/analytics/terms/gb.html

Velocity Financial, Inc. servers automatically collect data about your server’s internet address when you visit us. This information, known as an Internet Protocol address, or IP Address, is a number that’s automatically assigned to your computer by your internet service provider whenever you’re on the internet. When you request pages from an Velocity Financial, Inc. site, our servers may log your IP Address and sometimes your domain name. Our servers may also record the referring page that linked you to us (e.g., another website or a search engine); the pages you visit on our sites; the website you visit after our sites; the ads you see and/or click on; other information about the type of web browser, computer, platform, related software and settings you are using; any search terms you have entered on our sites or a referral site; and other web usage activity and data logged by our web servers. We use this information for internal system administration, to help diagnose problems with our server, and to administer our sites. Such information may also be used to gather broad demographic information, such as country of origin and internet service provider. Any or all of activities with regard to our site usage information may be performed on our behalf by our services providers.

Guideline for users to opt-out

How to disable cookies in your browser

Here's how to prevent new cookies from being installed and how to delete existing cookies. The exact procedure depends on which browser you are using.

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RIGHT TO MODIFY POLICY

Velocity Financial, Inc. reserves the right to amend, modify or discontinue this Policy at any time, for any reason.

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