Cookie Policy
Last updated: May 1, 2026
1. What Are Cookies?
Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners. Cookies are not programs and cannot carry viruses or malware.
2. How We Use Cookies
Creditfern uses cookies on creditfern.com to:
- Ensure the website functions properly (session management, form functionality)
- Remember your cookie consent preference so we do not repeatedly show the consent banner
- Understand in aggregate how visitors navigate and use our website
- Improve website performance and the experience for lending professionals who visit
We do not use cookies to track individual users across third-party websites, build advertising profiles, or sell data to third parties.
3. Types of Cookies We Use
3.1 Strictly Essential Cookies
These cookies are necessary for the website to function and cannot be switched off. They do not store any personally identifiable information. Examples include cookies that store your cookie consent decision (so we do not re-ask on every visit) and session tokens that keep you logged in to a secure area during your visit.
| Cookie Name | Purpose | Duration |
|---|---|---|
cfrn_cookie_consent |
Stores your cookie consent preference (all / essential only) | 365 days |
3.2 Analytics Cookies
If you accept all cookies, we may use analytics services to understand how pages on creditfern.com are used — such as which content community lending professionals find most useful, how long visitors spend on the platform features pages, and what traffic sources bring qualified institutions to the site. This information is collected in aggregate and is not linked to any identifiable individual.
| Service | Purpose | Duration |
|---|---|---|
| Analytics (if enabled) | Aggregate page-view and navigation data | Up to 26 months (aggregate only) |
4. Managing Cookies
4.1 Our Cookie Banner
When you first visit creditfern.com, a cookie consent banner will appear at the bottom of the page. You may:
- Accept all cookies — enables both essential and analytics cookies
- Essential only — enables only the cookies required for the site to function; analytics cookies will not be set
Your choice is stored in cfrn_cookie_consent and respected on future visits. You can change your preference at any time by clearing your browser cookies and revisiting the site.
4.2 Browser Settings
You can also manage cookies through your browser settings. Most browsers allow you to view, block, or delete cookies. Please note that blocking essential cookies may affect website functionality. Guidance for common browsers:
5. Third-Party Cookies
We use Google Fonts to serve typography on this site. Google Fonts serves fonts directly from Google's servers, which may set cookies or log requests in accordance with Google's own privacy and cookie policies. We do not control third-party cookies set by Google Fonts or any other embedded resource. We recommend reviewing the relevant third party's privacy policy for details.
6. Data and Financial Institution Data
Creditfern's platform processes bank statement and cash flow data provided by financial institutions under separate data processing agreements. That institutional and borrower data is entirely separate from website cookies and is governed by those agreements, not this Cookie Policy. This Cookie Policy applies only to cookies set on the creditfern.com website.
7. Changes to This Policy
We may update this Cookie Policy from time to time to reflect changes in our practices or applicable law. Any material changes will be posted on this page with an updated "Last updated" date. Your continued use of creditfern.com after changes are posted constitutes acceptance of the revised policy.
8. Contact Us
If you have any questions about our use of cookies or this policy, please contact us at:
Creditfern550 South Tryon Street, Suite 1800
Charlotte, NC 28202
[email protected]