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Legal · Privacy · Compliance

Cookie Policy.

This Cookie Policy explains how HL Hunt Inc. and its subsidiaries (collectively, "HL Hunt," "we," "us," or "our") use cookies and similar tracking technologies on hlhunt.org and the digital services we provide. It should be read together with our Privacy Policy and Terms of Service.

Effective Date
May 1, 2026
Last reviewed quarterly
Version
v 3.1
Supersedes prior versions
Jurisdictions
US · EU · UK
GDPR · ePrivacy · CCPA / CPRA
Entity
HL Hunt Inc.
Lexington, KY · USA
You can change your cookie preferences at any time through our Cookie Preference Center. Strictly necessary cookies cannot be disabled.
Manage Preferences
Contents
  • 01 What Cookies Are
  • 02 Legal Basis & Consent Framework
  • 03 Cookie Categories
  • 04 Detailed Cookie Schedule
  • 05 Third Parties & International Transfers
  • 06 Managing & Withdrawing Consent
  • 07 Your Rights by Jurisdiction
  • 08 Changes & Contact
01
Article I

What cookies are, and similar technologies we use.

Cookies are small text files placed on your device (computer, tablet, or mobile phone) when you visit a website. They allow that website to recognize your device on subsequent visits and to function correctly, securely, and efficiently. Throughout this Policy, the term "cookies" refers not only to traditional HTTP cookies but also to a broader set of similar tracking technologies, as defined below.

HTTP Cookies
Text files set by your browser at the request of a website, transmitted with each subsequent request to that domain.
Local Storage
Browser-resident key-value storage (e.g., localStorage, sessionStorage, IndexedDB) used to retain preferences and session state.
Pixel Tags / Beacons
Transparent image elements, typically 1×1 pixel, embedded in web pages or emails to record interactions such as opens, clicks, or page loads.
Device Identifiers
Persistent or resettable identifiers assigned by mobile operating systems (e.g., Apple IDFA, Google AAID) used in our mobile applications where applicable.
SDK Telemetry
Software development kit instrumentation embedded in our applications to record diagnostic and performance information.

First-party vs. third-party cookies

First-party cookies are set directly by HL Hunt on the hlhunt.org domain. Third-party cookies are set by domains other than the one you are visiting — typically by service providers we engage to deliver functionality, security, analytics, or to support our regulated activities. A complete list of third parties is set out in Sections 4 and 5.

Session vs. persistent cookies

Session cookies exist only for the duration of your browsing session and are deleted automatically when you close your browser. Persistent cookies remain on your device for a defined retention period or until you delete them. Specific retention periods are disclosed in the Detailed Cookie Schedule (Section 4).

02
Article II

Legal basis & consent framework.

The legal basis on which HL Hunt deploys cookies depends on the category of cookie and the jurisdiction from which you access our services. We apply, at a minimum, the following frameworks:

European Economic Area & United Kingdom

For users in the EEA, the United Kingdom, and Switzerland, our practices are governed by the EU General Data Protection Regulation (Regulation (EU) 2016/679), the UK Data Protection Act 2018, and the ePrivacy Directive (Directive 2002/58/EC) as implemented in national law. We rely on the following legal bases:

  • Strictly necessary cookies are placed under our legitimate interest in providing a secure, reliable service (Art. 6(1)(f) GDPR) and as required to deliver a service you have requested (ePrivacy "strictly necessary" exemption).
  • All other categories require your prior, freely given, specific, informed, and unambiguous consent (Art. 6(1)(a) GDPR). Consent is collected via our Cookie Preference Center and may be withdrawn at any time.

United States — State Privacy Laws

For users in the United States, we comply with applicable state privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA / CPRA), the Virginia Consumer Data Protection Act, the Colorado Privacy Act, the Connecticut Data Privacy Act, and the Utah Consumer Privacy Act. Where these laws apply, you have the right to opt out of the "sale" or "sharing" of personal information and the use of personal information for targeted advertising or significant profiling.

Global Privacy Control

HL Hunt honors the Global Privacy Control (GPC) signal. When detected, the GPC signal is treated as a valid opt-out request for the sale or sharing of personal information under applicable U.S. state laws. We do not currently treat browser-level Do Not Track (DNT) signals as a consent-withdrawal mechanism, in line with prevailing industry practice.

Financial regulatory framework

Certain cookies are deployed for the purposes of fraud prevention, identity verification, and recordkeeping consistent with our obligations as a regulated financial-services group, including the Fair Credit Reporting Act (FCRA), the Credit Repair Organizations Act (CROA), the Bank Secrecy Act (BSA), and applicable state lending and money-transmission laws. These cookies are categorized as strictly necessary and cannot be disabled without materially impairing service delivery.

03
Article III

Categories of cookies we use.

We classify the cookies and similar technologies we use into four categories. Each category is described in detail below, and a row-level disclosure of representative cookies is provided in Section 4.

C01

Strictly Necessary

Required · No Consent

Essential for the operation of our website and digital services. These cookies enable core functionality such as security, session management, network management, authentication, fraud prevention, accessibility, and load balancing. Without them, services you request — including account login, transaction processing, and compliance with regulatory recordkeeping — cannot be provided.

Consent Required
No (Legitimate Interest)
Retention
Session – 24 months
Disable
Browser settings only
C02

Functional & Preferences

Opt-in · Consent

Used to remember choices you make and personalize your experience — language and locale, accessibility settings, display preferences, last-visited pages, and similar non-essential conveniences. These cookies do not track you across other websites and do not build a profile for advertising purposes.

Consent Required
Yes (Opt-in)
Retention
Up to 12 months
Disable
Preference Center
C03

Analytics & Performance

Opt-in · Consent

Allow us to measure how visitors interact with our services — pages viewed, features used, errors encountered, page-load times, and conversion paths. We use this information in aggregated form to identify and resolve issues, improve usability, and prioritize product development. Where technically feasible, IP addresses are truncated and identifiers are pseudonymized prior to analysis.

Consent Required
Yes (Opt-in)
Retention
Up to 24 months
Disable
Preference Center · GPC
C04

Marketing & Advertising

Opt-in · Consent

Used to deliver advertising relevant to you and your interests, to measure the effectiveness of our advertising campaigns, and to limit the number of times you see an advertisement. These cookies may be set by us or by carefully selected advertising partners. They are activated only after your affirmative opt-in and are honored against valid Global Privacy Control signals.

Consent Required
Yes (Opt-in)
Retention
Up to 13 months
Disable
Preference Center · GPC
04
Article IV

Detailed cookie schedule.

The following schedule sets out representative cookies and similar technologies we deploy. Cookie names and durations may change as our service providers update their products; the Cookie Preference Center always reflects the current configuration.

Cookie / Identifier Category Set By Purpose Retention
__cf_bm Required Cloudflare Bot management and DDoS protection 30 minutes
cf_clearance Required Cloudflare Verifies the browser passed a security challenge 30 days
hl_session Required HL Hunt Authenticated session identifier (signed, HttpOnly) Session
hl_csrf Required HL Hunt Cross-site request forgery protection token Session
auth0.is.authenticated Required Auth0 (Okta) Authentication state for member portal 1 day
hl_consent Required HL Hunt Stores your cookie consent choices 12 months
hl_locale Functional HL Hunt Remembers your language and locale 12 months
hl_ui_prefs Functional HL Hunt Stores UI preferences (e.g., theme, layout) 6 months
ssupp.vid / ssupp.chatid Functional Smartsupp Live-chat visitor and conversation identifier 12 months
_ga / _ga_* Analytics Google Analytics 4 Distinguishes unique users (IP truncated) 24 months
_gid Analytics Google Analytics 4 Distinguishes users within a 24-hour window 24 hours
mp_*_mixpanel Analytics Mixpanel Product analytics, event correlation 12 months
amp_* Analytics Amplitude User behavior analytics (pseudonymized) 12 months
ajs_user_id / ajs_anonymous_id Analytics Segment Identity resolution across analytics platforms 12 months
sentry-trace Analytics Sentry Performance and error tracing Session
_fbp Marketing Meta (Facebook) Attribution for advertising campaigns 90 days
_gcl_au Marketing Google Ads Conversion linkage for campaigns 90 days
li_sugr / bcookie Marketing LinkedIn Professional-audience targeting 13 months
Schedule § 4.1 · Representative — non-exhaustive · v 3.1
05
Article V

Third parties & international data transfers.

HL Hunt engages reputable third-party service providers ("subprocessors") that may set cookies or receive data from cookies on our behalf. A current list of all subprocessors is maintained at hlhunt.org/subprocessors. Each subprocessor is bound by a written agreement, including, where applicable, a Data Processing Addendum compliant with Article 28 of the GDPR.

International transfers

Certain subprocessors are established in the United States or other jurisdictions outside the EEA. Where personal data is transferred from the EEA, United Kingdom, or Switzerland to such jurisdictions, HL Hunt relies on one or more of the following safeguards under Chapter V of the GDPR:

  • The EU-U.S. Data Privacy Framework and the corresponding UK Extension, where the receiving organization is certified;
  • The European Commission's Standard Contractual Clauses (2021/914), supplemented where required by a transfer impact assessment;
  • The UK International Data Transfer Addendum issued by the Information Commissioner's Office;
  • Other lawful transfer mechanisms permitted under applicable law.

Third-party cookie controls

Cookies set by third parties are governed by the privacy policies of those parties. We encourage you to review them. We do not exercise control over the privacy practices of any third party, but we contractually require each to maintain data protection standards consistent with our own.

06
Article VI

How to manage and withdraw your consent.

You have multiple, redundant means of managing the cookies set on your device. Withdrawing consent is always available and is as straightforward as granting it.

1. HL Hunt Cookie Preference Center

The primary mechanism for managing your preferences is the Cookie Preference Center, accessible at any time via the "Manage Preferences" button at the top of this page, in the footer of every page on hlhunt.org, and on first visit through the cookie banner. Changes take effect immediately on your current session and persist across sessions until withdrawn.

2. Browser controls

Most browsers allow you to view, manage, delete, and block cookies entirely or selectively. Instructions vary by browser; please refer to the documentation for Google Chrome, Apple Safari, Mozilla Firefox, and Microsoft Edge. Note that blocking strictly necessary cookies will impair core functionality, including the ability to log in and complete transactions.

3. Global Privacy Control (GPC)

If your browser or browser extension transmits a valid Global Privacy Control signal, we will treat it as a request to opt out of the sale and sharing of personal information under applicable U.S. state laws, and to disable analytics and marketing cookies that rely on consent.

4. Mobile device controls

On iOS, you may reset or limit ad tracking via Settings → Privacy & Security → Tracking. On Android, equivalent controls are available via Settings → Google → Ads. We honor App Tracking Transparency (ATT) prompts in our iOS applications where applicable.

5. Industry opt-out programs

For interest-based advertising, you may use the following industry-administered tools: the Digital Advertising Alliance (DAA), the Network Advertising Initiative (NAI), and the European Interactive Digital Advertising Alliance (EDAA).

07
Article VII

Your rights by jurisdiction.

The rights available to you regarding cookies and the personal information they may collect vary by jurisdiction. The summary below is non-exhaustive; for the complete enumeration of rights, please refer to our Privacy Policy.

EU · EEA · UK GDPR · ePrivacy

European Economic Area & United Kingdom

Right of access, rectification, erasure, restriction, portability, and objection. Right to withdraw consent at any time and right to lodge a complaint with your national supervisory authority. The UK ICO is the competent authority in the United Kingdom.

California CCPA · CPRA

California Residents

Right to know, delete, correct, and limit the use of sensitive personal information. Right to opt out of the sale or sharing of personal information and the use of personal information for cross-context behavioral advertising. The Global Privacy Control signal is honored.

Other U.S. States VCDPA · CPA · CTDPA · UCPA

Virginia, Colorado, Connecticut, Utah

Right to access, delete, correct, port, and opt out of targeted advertising, the sale of personal data, and profiling for significant decisions. Authorized-agent submissions are accepted in accordance with state regulations.

Other Jurisdictions PIPEDA · LGPD · Others

Canada, Brazil & Elsewhere

Where another jurisdiction's privacy law applies to your interactions with HL Hunt — including Canada's PIPEDA, Brazil's LGPD, and other comprehensive privacy frameworks — we honor the rights granted to you under those laws as a matter of course.

08
Article VIII

Changes to this policy & how to reach us.

This Cookie Policy is reviewed on a quarterly basis and may be updated to reflect changes in our practices, technology, applicable law, or other operational, legal, or regulatory reasons. Material changes will be communicated in advance via prominent notice on our website and, where appropriate, by direct notification to registered members. The version number and effective date at the top of this Policy will always identify the operative version.

If you have any questions regarding this Policy, our use of cookies, or your rights, please contact us at the address below. All cookie-related inquiries are routed to our Privacy team and receive a substantive response within fifteen (15) business days.

Contact our privacy team

Questions about your data.

For questions about this Cookie Policy, exercising your rights, or any aspect of our data-processing practices — reach our Privacy team directly. All inquiries are tracked and acknowledged.

Entity HL Hunt Inc.
Office Lexington, KY · USA
Response ≤ 15 business days
Privacy Contact
Email
info@hlhunt.org
Submit a request →

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Copyright: © 2026 HL Hunt Inc  All Rights Reserved.

HL Hunt Inc., including its subsidiaries and affiliated entities (“HL Hunt”), is a financial technology (“fintech”) company. HL Hunt is not a bank, credit union, depository institution, or licensed financial institution, and does not represent itself as such. We do not accept deposits, offer traditional banking services, or engage in regulated financial institution activities. All services provided are technology-based solutions offered through HL Hunt and, where applicable, in partnership with regulated institutions. HL Hunt’s products are not FDIC or NCUA insured unless explicitly stated.
NMLS ID# 2759282


HL Hunt
  • Home
  • Business Credit Builder
  • Personal Credit Builder
  • AI Payment Processing
  • Banking
    • HL Hunt Personal Banking
    • HL Hunt Business Banking
  • Software Solutions
    • AI Payroll
    • HL Hunt AI Underwriting
    • Metro 2 Software
    • HL Hunt Seller Financing Software
    • HLX Trading
    • AI Debt Collection
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