Cookie Policy

Legal & PoliciesJanuary 1, 2026January 1, 2026FlexPoint Inc. · NMLS #243082

Effective January 1, 2026This Cookie Policy applies to all pages and services on flexpointinc.com and any subdomain operated by FlexPoint Inc. It should be read alongside our Privacy Policy.

What Are Cookies?

Cookies are small text files that are placed on your device — computer, tablet, or smartphone — when you visit a website. They are widely used to make websites work more efficiently, to remember your preferences, and to provide information to website owners.

In addition to traditional cookies, we may also use similar tracking technologies including:

  • Web beacons (also called pixel tags or clear GIFs) — small transparent images embedded in emails or web pages that can track whether content has been opened or viewed
  • Local storage — a browser feature that allows websites to store data locally on your device, similar to cookies but with a larger storage capacity
  • Session storage — temporary data stored in your browser that is cleared when you close the browser tab or window
  • Scripts and tracking pixels — code embedded in pages that allows third-party services to collect information about your interactions

Throughout this policy, we use the term “cookies” to refer to all of these technologies collectively unless we specify otherwise.

How We Use Cookies

FlexPoint Inc. uses cookies on flexpointinc.com for several purposes:

  • To keep our website functioning correctly and securely
  • To remember your preferences and settings across visits
  • To understand how visitors navigate and use our website
  • To measure the effectiveness of our marketing campaigns
  • To deliver relevant content to users who have expressed interest in our loan programs
  • To comply with legal and regulatory requirements applicable to our business
  • To prevent fraud and maintain security on our platform

We do not use cookies to collect sensitive personal financial information such as Social Security numbers, bank account numbers, or income figures. Any financial information you voluntarily submit through our contact forms or loan application process is handled in accordance with our Privacy Policy and applicable federal and state laws governing mortgage lending.

Our Approach

We aim to use only cookies that are necessary for the functioning of our website or that provide a genuine benefit to you as a visitor. We do not sell your personal information collected through cookies to third parties for their own marketing purposes.

Types of Cookies We Use

We categorize the cookies on our website into four types. Each category is described below, including what it does and whether it is optional or required.

Essential Cookies
Always Active

Essential cookies are strictly necessary for our website to function. Without them, services you have requested — such as filling out our contact form, navigating between pages, or maintaining a secure session — cannot be provided. These cookies do not collect personally identifiable information for marketing purposes and cannot be disabled through our cookie preference settings.

Examples of what these cookies do: remembering items in a form session, maintaining CSRF security tokens that protect against cross-site request forgery, and load-balancing traffic across our web servers.

Examples

Session managementCSRF protectionLoad balancingForm submission securityServer-side caching
Functional Cookies

Functional cookies allow our website to remember choices you make and provide enhanced, more personalized features. For example, they may remember the state of a calculator you’ve used, or whether you have previously dismissed a notification banner. These cookies may be set by us or by third-party providers whose services we have added to our pages.

If you disable functional cookies, some features of our website may not work as intended. However, the core content and information on our site will remain accessible.

Examples

Calculator state memoryDismissed notificationsLanguage / region preferenceChat widget preferences
Analytics Cookies
Optional

Analytics cookies help us understand how visitors interact with our website by collecting information in aggregate form. This allows us to measure and improve how our site performs. The information collected includes pages visited, time spent on each page, how users arrived at our site, and which links were clicked. This data is aggregated and anonymized — individual users are not identified from analytics reports.

We use this data to improve the quality of the information we provide, identify technical issues, and understand which content is most helpful to the people visiting our site.

Services Used

Google AnalyticsGoogle Tag ManagerHotjar (session recording)Page view tracking
Marketing & Targeting Cookies
Optional

Marketing cookies are used to track visitors across websites with the purpose of displaying advertisements that are relevant and engaging for the individual user. These cookies are placed by our advertising partners and help us measure the effectiveness of our digital marketing campaigns.

For example, if you visit our site and later see an advertisement for FlexPoint Inc. on another website, that is enabled through marketing cookies. We use this to measure whether our advertising is reaching the right audience, not to build a comprehensive profile of your browsing behavior across the internet for sale to third parties.

Because FlexPoint is a licensed mortgage company (NMLS #243082), our marketing activities are conducted in compliance with applicable fair lending laws, including the Equal Credit Opportunity Act (ECOA) and the Fair Housing Act. Our advertising does not target or exclude individuals based on protected class characteristics.

Services Used

Google AdsMeta (Facebook) PixelLinkedIn Insight TagRetargeting pixelsConversion tracking

Specific Cookies We Use

The table below describes the specific cookies that may be placed on your device when you visit flexpointinc.com. This list is updated periodically as we add or remove services from our website. Not every cookie listed below will be present on every page visit — some are only set under specific circumstances.

Cookie NameProviderTypeDurationPurpose
_fpinc_sessionFlexPoint Inc.EssentialSessionMaintains your session state while navigating the site. Cleared when the browser is closed.
_csrf_tokenFlexPoint Inc.EssentialSessionSecurity token that protects contact forms from cross-site request forgery (CSRF) attacks.
cookie_consentFlexPoint Inc.Functional12 monthsStores your cookie preference selections so you are not asked again on every visit.
_gaGoogle AnalyticsAnalytics2 yearsDistinguishes unique users by assigning a randomly generated number as a client identifier.
_ga_[ID]Google AnalyticsAnalytics2 yearsUsed by Google Analytics 4 to persist session state and count page views and events.
_gidGoogle AnalyticsAnalytics24 hoursDistinguishes users and stores information about how the site is used to generate statistical reports.
_gcl_auGoogle AdsMarketing3 monthsUsed by Google Ads to store and track conversion events generated from ad clicks.
_fbpMeta (Facebook)Marketing3 monthsUsed by Facebook to deliver advertisements and measure their effectiveness across the Meta ad network.
li_fat_idLinkedInMarketing30 daysUsed by LinkedIn’s Insight Tag to enable conversion tracking, retargeting, and analytics for LinkedIn ad campaigns.
utm_paramsFlexPoint Inc.AnalyticsSessionStores UTM parameters (utm_source, utm_medium, utm_campaign) from your visit to attribute form submissions to the correct marketing channel.
_hjSessionUser_[ID]HotjarAnalytics1 yearIdentifies a unique user when the Hotjar session recording tool is active. Data is anonymized and used for UX improvement.
_hjSession_[ID]HotjarAnalytics30 minutesEnsures that subsequent requests within a browsing session are attributed to the same Hotjar session.

This table reflects cookies in use as of January 1, 2026. Our cookie inventory is reviewed and updated periodically. Duration listed is the maximum; session cookies are cleared when you close your browser. Third-party cookies are governed by their respective providers’ privacy policies.

Third-Party Services and Cookies

Some cookies on our website are set by third-party services that we use to operate and improve our site. These third parties set cookies under their own names and they are governed by those companies’ own privacy and cookie policies — not this policy.

Third-party services we currently use on flexpointinc.com include:

  • Google Analytics and Google Tag Manager — website analytics. Google Privacy Policy ↗
  • Google Ads — paid search advertising and conversion tracking. Google Privacy Policy ↗
  • Meta (Facebook) Pixel — advertising performance measurement and retargeting. Meta Privacy Policy ↗
  • LinkedIn Insight Tag — B2B advertising analytics and retargeting. LinkedIn Privacy Policy ↗
  • Hotjar — session recording and heatmap analytics for UX improvement (data anonymized). Hotjar Privacy Policy ↗
  • Insellerate CRM — our mortgage CRM system. Information you submit through our contact forms is transmitted to Insellerate for follow-up by our licensed loan officers. This is covered separately in our Privacy Policy.

Third-Party Responsibility

We do not control the cookies set by third-party services. If you have concerns about how these third parties use data collected from their cookies, we encourage you to review their respective privacy policies using the links above. You can also opt out of targeted advertising by visiting the NAI opt-out page or YourAdChoices.com.

Managing Your Cookie Preferences

You have several options for managing cookies. Please note that disabling certain cookies may affect the functionality of our website and the quality of your experience.

Your Options

How to Control Cookies on flexpointinc.com

  • →Browser settings:

    All major browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies, accept only certain cookies, or notify you when a cookie is being set. See your browser’s help documentation for instructions.

  • →Opt out of Google Analytics:

    Install the Google Analytics Opt-out Browser Add-on to prevent your data from being used by Google Analytics across all sites.

  • →Opt out of Google Ads targeting:

    Visit Google Ad Settings to manage personalized advertising preferences.

  • →Opt out of Meta advertising:

    Use your Facebook Ad Preferences to control how Meta uses your data for advertising.

  • →Industry opt-out tools:

    Visit the Network Advertising Initiative or Digital Advertising Alliance opt-out pages to opt out of targeted advertising from participating compani

  • →Do Not Track:

    Some browsers support a “Do Not Track” signal. At this time, our website does not respond to Do Not Track signals from browsers because there is no consistent industry standard for how these signals should be interpreted. We will update this policy if that changes.

Essential cookies cannot be disabled as they are required for the website to function. Disabling functional, analytics, or marketing cookies will not prevent you from accessing our content or submitting an inquiry.

Browser-Specific Instructions

Links to cookie management instructions for the most commonly used browsers:

Google Chrome

Mozilla Firefox

Apple Safari

Microsoft Edge

California Residents — Your Rights Under CCPA

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), gives you specific rights regarding your personal information, including information collected through cookies.

Right to Know

You have the right to request information about the personal data we have collected about you, the categories of sources from which it was collected, the business purpose for collecting it, and the categories of third parties with whom we have shared it.

Right to Delete

You have the right to request that we delete personal information we have collected from you, subject to certain exceptions (such as information required to complete a transaction you have requested, or information we are required to retain by law).

Right to Opt Out of Sale or Sharing

FlexPoint Inc. does not sell your personal information as that term is defined under the CCPA. We do share certain limited data (such as identifiers and browsing information) with advertising partners for cross-context behavioral advertising purposes, which may constitute “sharing” under the CPRA. You have the right to opt out of this sharing.

Right to Correct

You have the right to request correction of inaccurate personal information we hold about you.

Right to Limit Use of Sensitive Personal Information

FlexPoint does not use sensitive personal information (as defined by the CPRA) collected through cookies for purposes beyond those necessary to provide our website and services.

Exercising Your CCPA Rights

To exercise any of the rights described above, please contact our Privacy Team at privacy@flexpointinc.com or by mail at the address in Section 9. We will respond to verified requests within 45 days as required by law. We will not discriminate against you for exercising your privacy rights.

Please note that information you provide when applying for a mortgage loan is governed by the federal Gramm-Leach-Bliley Act (GLBA) and applicable state financial privacy laws, which provide separate rights and protections. Those rights are described in the separate financial privacy notice we provide at loan origination.

Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in the cookies we use, changes in applicable law, or changes in our business practices. When we make material changes, we will update the “Last Updated” date at the top of this page and, where appropriate, notify you by email or by placing a notice on our website.

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies. Your continued use of our website after any changes take effect constitutes your acceptance of the updated policy.

Previous versions of this Cookie Policy are available upon request by contacting us at the address below.

Contact Us

If you have questions, concerns, or requests related to this Cookie Policy or our use of cookies and tracking technologies, please contact us using any of the methods below.

FlexPoint Inc. — Privacy & Cookie Questions

Email: privacy@flexpointinc.com

Phone: (866) 226-2205

Website: flexpointinc.com/contact-us/

NMLS ID: NMLS #243082

Mailing Address: FlexPoint Inc. — Privacy Team Attn: Cookie Policy Inquiry

FlexPoint Inc. is a licensed mortgage company. NMLS #243082. This Cookie Policy does not constitute a contract or create any legal rights or obligations beyond those provided by applicable law. It is not a substitute for the financial privacy disclosures we provide under the Gramm-Leach-Bliley Act at loan origination.

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