STOA USA, INC.

Last Updated: December 31, 2022

 

Introduction:

This policy explains the different cookies used by Stoa USA, Inc. (“Stoa”) on our corporate website and on our online proprietary lending platform (the website and the platform collectively are, the “Website”) and how you can control the cookies. We may change this Cookie Policy at any time. Please look at the “Last Updated” date at the top of this page to see when this Cookie Policy was last revised. Any changes in this Cookie Policy will become effective when we make the revised Cookie Policy available on or through the Site.  Please see our Privacy Notice to understand the other ways in which we use Personal Information we collect about you.

Personal Information” means any information relating to an identified or identifiable natural person.  An identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, an online identifier or one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.  Personal Information includes information referred to as “personal data,” “personal information,” “personally identifiable information” and such similar references as codified in applicable Privacy Laws.

 

What are cookies:

A cookie is a text file containing small amounts of data and information, which are downloaded to your computer and stored on your computer’s hard drive or on your mobile device when you visit a website. Cookies allow a website to recognize your device.  Cookies that are placed by Stoa are called “first party cookies” whereas cookies placed by third parties are called “third party cookies,” as explained below.

Other Tracking Technologies. A Web beacon is an invisible graphic image, such as a pixel tag or clear GIF, which is placed on a webpage or in an e-mail message to monitor user activity, such as whether the webpage or e-mail message is accessed or clicked. They are also used on many web pages for alignment purposes. These technologies may be used in conjunction with cookies to track how a visitor navigates a website and processes the information on that website. Stoa sometimes uses Web beacons to track how many people visit our Website or to gather statistics about browser usage on our Website. Some of our web pages and HTML-formatted email newsletters use Web beacons in conjunction with cookies. While you do not have the ability to specifically reject or disable Web beacons, in many instances these technologies are reliant on cookies to function properly. In those instances, declining cookies will impair the functioning of these technologies.

Stoa’s Website and some of our emails may also contain tracking pixels. A tracking pixel is a snippet of code containing a tag that is embedded in an email and that is used to gather information regarding recipient behavior. The information collected may include the type of operating system used by the email recipient, the time an email was read, or whether an email was accessed via desktop or mobile phone. Stoa uses this information to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

 

How  Stoa use cookies:

When you visit our Website, our goal is to make the experience simple and useful. One of the ways we achieve that goal is by placing cookies on your device, including desktops and mobile devices, in accordance with your preferences set through our Cookie Settings options. 

As you navigate through and interact with our Website, the tracking technologies enable the automatic collection of information about your equipment, browsing actions and patterns, IP address and browser information, and the resources that you access and use on the Website. If you access our Website via your mobile device, we may collect your unique device identifier, mobile device IP address and information about your device’s operating system. T

he information we collect informs Stoa about ways in which we can improve the Website design, functionality and content to deliver better and more personalized content and services, helps us to estimate our audience size and usage patterns and to recognize you when you return to our Website. We also use our cookies for marketing purposes. 

 

Types of cookies:

Strictly Necessary:  These cookies are strictly necessary to make the Website usable by enabling basic functions such as page navigation and access to secure areas of the Website. The Website cannot function properly without these cookies. Strictly necessary cookies are first-party cookies placed by Stoa and are session-based, meaning they expire when you leave our Website.

Functionality:  These cookies provide enhanced functionality and personalization, and personalize content based on your use of the Websites.  

Marketing:  These cookies are used to track visitors across websites. These cookies help advertisers deliver content that is relevant and engaging for the visitor to our Website and/or to limit the number of times a visitor sees a given advertisement. These are persistent cookies and are almost always placed by third parties.

Analytics/Statistics:  These cookies help Stoa understand how visitors interact with the Website. These analytic services help us to know how many users we have, which parts of our Website are most popular, what browsers are used, the country or region where visitors are located, and the demographics and interests of visitors.

 

Cookies We Use

Stoa’s Website uses Google Analytics. Google Analytics places cookies on your computer that generate specific information that Stoa selects about your use of the Website, such as your computer’s IP address. That information is transmitted to and stored by Google.  Stoa will use the information to evaluate use of the Website, compile reports on Website activity, and provide other services relating to Website activity and 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. The use of cookies by Google Analytics is covered by Google’s privacy policy: https://www.google.com/policies/privacy/.  Please see https://tools.google.com/dlpage/gaoptout/ to learn how to opt out of Google Analytics.  

 

Stoa’s website also uses the following cookies:

Cookie Name

Provider

Expiration Time

Description

Type of Cookie

Stoa App Cookies

id_token

.betterwithstoa.com

6 months

This cookie is used when the user signs in into our system using email and password. It is necessary to store information about the signed-in user. Without this cookie, our server cannot recognize whether the user is authenticated or not.

Strictly Necessary

HSID

.google.com

2 years

Security cookie to confirm visitor authenticity, prevent fraudulent use of login data and protect user data from unauthorized access.

Strictly Necessary

__Secure-1PSIDCC

.google.com

2 years

Cookie is placed by Google and is required to use website options

and services

Strictly Necessary

SIDCC

.google.com

1 year

Security cookie to confirm visitor authenticity, prevent fraudulent use of login data and protect visitor data from unauthorized access.

Strictly Necessary

CookieScriptConsent

.betterwithstoa.com

1 month

This cookie is used by Cookie-Script.com service to remember visitor cookie consent preferences. It is necessary for Cookie-Script.com cookie banner to work properly.

Strictly Necessary

_hjIncludedInSessionSample

Hotjar Ltd

app.betterwithstoa.com

2 minutes

This cookie is set to let Hotjar know whether a visitor is included in the data sampling defined by Stoa’s daily session limit

Performance

bscookie

LinkedIn Corporation

.www.linkedin.com

1 year

Used by the social networking service, LinkedIn, for tracking the use of embedded services.

Performance

ln_or

.app.betterwithstoa.com

1 day

Used to determine if Oribi analytics can be carried out on a specific domain

Performance

bcookie

Microsoft Corporation

.linkedin.com

1 year

Browser Identifier cookie to uniquely identify devices accessing LinkedIn to detect abuse on the platform

Performance

lang

.linkedin.com

Session

Used to store language preferences.

Performance

_ga_7YH9P63YC5

.betterwithstoa.com

2 years

This cookie is used by Google Analytics to persist session state.

Performance

_hjFirstSeen

Hotjar Ltd

.betterwithstoa.com

30 minutes

The cookie is set so Hotjar can track the beginning of the user’s journey for a total session count. It does not contain any identifiable information.

Performance

mp_[abcdef0123456789]{32}_mixpanel

.betterwithstoa.com

1 year

This cookie is used by Mixpanel. It is an analytics tool that enables Stoa to capture data on how users interact with our Website. Mixpanel enables Stoa to analyze Website data.

Performance

_gat_UA-128369402-1

.betterwithstoa.com

1 minute

This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to. It is used to limit the amount of data recorded by Google on high traffic volume websites.

Performance

_gid

Google LLC

.betterwithstoa.com

1 day

This cookie is set by Google Analytics. It stores and update a unique value for each web page visited and is used to count and track pageviews.

Performance

_hjIncludedInPageviewSample

Hotjar Ltd

app.betterwithstoa.com

2 minutes

This cookie is set to let Hotjar know whether a visitor is included in the data sampling defined by Stoa’s Website pageview limit.

Performance

fs_cid

.betterwithstoa.com

1 year

Stores the FullStory consent state for a device. For more on consent state see: https://help.fullstory.com/hc/en-us/articles/360020623254-FS-consent-Capture-elements-with-consent

Performance

li_gc

LinkedIn Corporation

.linkedin.com

6 months

Used to store guest consent to the use of cookies for non-essential purposes

Performance

ajs_anonymous_id

Segment.io Inc.

.betterwithstoa.com

1 year

These cookies are generally used for analytics and help count how many people visit Stoa’s Website. 

Performance

lidc

Microsoft Corporation

.linkedin.com

1 day

This is a Microsoft MSN 1st party cookie that ensures the proper functioning of Stoa’s Website.

Performance

AnalyticsSyncHistory

LinkedIn Corporation

.linkedin.com

1 month

Used to store information about the time a sync with the lms_analytics cookie took place for users in the Designated Countries.

Performance

_hjAbsoluteSessionInProgress

Hotjar Ltd

.betterwithstoa.com

30 minutes

The cookie is set so Hotjar can track the beginning of a user’s journey for a total session count. It does not contain any identifiable information.

Performance

fs_uid

.betterwithstoa.com

1 year

The FullStory ‘fs_uid’ cookie can be thought of as the capture cookie. When an end-user visits Stoa’s Website, the cookie is used to track the user across sessions and pages. The same user may visit the Website multiple times and may navigate to many pages within a single session. This cookie ensures that all captured session traffic is associated with one user. 

Performance

_ga

Google LLC

.betterwithstoa.com

2 years

This cookie is associated with Google Universal Analytics and is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each web page request on our Website and used to calculate visitor, session and campaign data.

Performance

_hjSessionUser_[0123456789]{7}

.betterwithstoa.com

1 year

– This cookie is set by Hotjar

– Set when a user first lands on a page.

– Persists the Hotjar User ID which is unique to that site.

– Ensures data from subsequent visits to the same site are attributed to the same user ID.

Performance

_hjSession_[0123456789]{7}

.betterwithstoa.com

30 minutes

– This cookie is set by Hotjar.

– Holds current session data.

– Ensures subsequent requests in the session window are attributed to the same session.

Performance

NID

.google.com

6 months

This cookie is used

to collect website statistics

and track conversion rates

and Google ad personalization

Performance

ajs_user_id

.betterwithstoa.com

1 year

This cookie is used to store the user ID for the Segment(https://segment.com) integration

https://segment.com/docs/connections/sources/catalog/libraries/website/javascript/persistence/#user-settings

Performance

IDE

Google LLC

.doubleclick.net

1 year

This cookie is set by DoubleClick and carries out information about how a visitor uses the Website and any advertising that the user may have seen before visiting the Website.

Targeting

_fbp

Meta Platform Inc.

.betterwithstoa.com

3 months

Used by Meta to deliver a series of advertisement products such as real time bidding from third party advertisers

Targeting

test_cookie

Google LLC

.doubleclick.net

15 minutes

This cookie is set by DoubleClick to determine if a Website visitor’s browser supports cookies.

Targeting

_gcl_au

Google LLC

.betterwithstoa.com

3 months

Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.

Targeting

UserMatchHistory

LinkedIn Corporation

.linkedin.com

1 month

This cookie is used to track Website visitors so that more relevant ads can be presented based on the visitor’s preferences.

Targeting

__Secure-1PAPISID

.google.com

2 years

Targeting cookie. Used by for targeting purposes to build a profile of the website visitor’s interests in order to show relevant & personalized Google advertising.

Targeting

APISID

.google.com

2 years

Personalises Google ads on websites based on recent searches and interactions.

Targeting

__Secure-1PSID

.google.com

2 years

Targeting cookie. Used by for targeting purposes to build a profile of the website visitor’s interests in order to show relevant & personalised Google advertising.

Targeting

SAPISID

.google.com

2 years

This cookie enables Google to collect user information for videos hosted by YouTube.

Targeting

__Secure-3PSID

.google.com

2 years

Builds a profile of website visitor interests to show relevant and personalized ads through retargeting.

Targeting

__Secure-3PAPISID

.google.com

2 years

Builds a profile of website visitor interests to show relevant and personalized ads through retargeting.

Targeting

SID

.google.com

2 years

This cookie is used to play YouTube videos embedded on the website.

Targeting

SSID

.google.com

2 years

Google collects visitor information for videos hosted by YouTube on maps integrated with Google Maps.

Targeting

__Secure-3PSIDCC

.google.com

2 years

Targeting cookie. Used by for targeting purposes to build a profile of the website visitor’s interests in order to show relevant & personalised Google advertising.

Targeting

intercom-session-[0123456789abcdefghijklmnopqrstuvwxyz]{8}

.app.betterwithstoa.com

7 days

Intercom identifier for each unique browser session. This session cookie is refreshed on each successful logged-in ping. The user can access their conversations and have data communicated on logged-out pages for 1 week, as long as the session is not intentionally terminated with Intercom , which usually happens on logout. It is needed for the correct work of  Intercom integration Messager via which Stoa communicates with users and sends announcements about new features. More info – https://www.intercom.com/help/en/articles/2361922-intercom-messenger-cookies

Functionality

intercom-device-id-[0123456789abcdefghijklmnopqrstuvwxyz]{8}

.app.betterwithstoa.com

9 months

An Intercom identifier for each unique device that interacts with the Messenger. It is refreshed on each successful pings. The user can access the conversations that were created on this device for the duration of the cookie’s life. More info – https://www.intercom.com/help/en/articles/2361922-intercom-messenger-cookies

Functionality

Marketing Cookies

CookieScriptConsent

.betterwithstoa.com

1 month

This cookie is used by Cookie-Script.com service to remember visitor cookie consent preferences. It is necessary for Cookie-Script.com cookie banner to work properly.

Strictly Necessary

li_gc

LinkedIn Corporation

.betterwithstoa.com

6 months

Used to store consent of guests regarding the use of cookies for non-essential purposes

Performance

AnalyticsSyncHistory

LinkedIn Corporation

.linkedin.com

1 month

Used to store information about the time a sync with the lms_analytics cookie took place for users in the Designated Countries.

Performance

__hssc

.betterwithstoa.com

30 minutes

– This cookie keeps track of sessions.

– This is used to determine if HubSpot should increment the session number and timestamps in the __hstc cookie.

– It contains the domain, viewCount (increments each pageView in a session), and session start timestamp.

Performance

__hssrc

.betterwithstoa.com

Session

– Whenever HubSpot changes the session cookie, this cookie is also set to determine if the visitor has restarted their browser.

– If this cookie does not exist when HubSpot manages cookies, it is considered a new session.

– It contains the value “1” when present.

Performance

__hstc

.betterwithstoa.com

6 months

– The main cookie for tracking visitors.

– It contains the domain, utk, initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session).

Performance

_ga

Google LLC

.betterwithstoa.com

2 years

This cookie is associated with Google Universal Analytics and is used to distinguish unique users by assigning a randomly generated number as a client identifier. It is included in each web page request on our Website and used to calculate visitor, session and campaign data.

Performance

_ga_7YH9P63YC5

Google LLC

.betterwithstoa.com

2 years

This cookie is used by Google Analytics to persist session state.

Performance

_gid

Google LLC

.betterwithstoa.com

1 day

This cookie is set by Google Analytics. It stores and update a unique value for each web page visited and is used to count and track pageviews.

Performance

_hjAbsoluteSessionInProgress

Hotjar Ltd

.betterwithstoa.com

30 minutes

The cookie is set so Hotjar can track the beginning of a user’s journey for a total session count. It does not contain any identifiable information.

Performance

_hjFirstSeen

Hotjar Ltd

.betterwithstoa.com

30 minutes

The cookie is set so Hotjar can track the beginning of the user’s journey for a total session count. It does not contain any identifiable information.

Performance

_hjIncludedInPageviewSample

Hotjar Ltd

.betterwithstoa.com

2 minutes

This cookie is set to let Hotjar know whether a visitor is included in the data sampling defined by Stoa’s Website pageview limit.

Performance

_hjIncludedInSessionSample

Hotjar Ltd

.betterwithstoa.com

2 minutes

This cookie is set to let Hotjar know whether a visitor is included in the data sampling defined by Stoa’s daily session limit

Performance

_hjSessionUser_[0123456789]{7}

Hotjar Ltd

.betterwithstoa.com

1 year

– This cookie is set by Hotjar

– Set when a user first lands on a page.

– Persists the Hotjar User ID which is unique to that site.

– Ensures data from subsequent visits to the same site are attributed to the same user ID.

Performance

_hjSession_[0123456789]{7}

Hotjar Ltd

.betterwithstoa.com

30 minutes

– This cookie is set by Hotjar.

– Holds current session data.

– Ensures subsequent requests in the session window are attributed to the same session.

Performance

bcookie

Microsoft Corporation

.linkedin.com

1 year

Browser Identifier cookie to uniquely identify devices accessing LinkedIn to detect abuse on the platform

Performance

hubspotutk

.betterwithstoa.com

6 months

– This cookie keeps track of a visitor’s identity. It is passed to HubSpot on form submission and used when deduplicating contacts.

– It contains an opaque GUID to represent the current visitor.

Performance

lang

LinkedIn Corporation

.linkedin.com

Session

Used to store language preferences.

Performance

li_sugr

LinkedIn Corporation

.linkedin.com

90 days

Used to make a probabilistic match of a user’s identity outside the Designated Countries

Performance

lidc

LinkedIn Corporation

.linkedin.com

1 day

This cookie is used to facilitate data center selection for the LinkedIn integrations

Performance

ln_or

LinkedIn Corporation

.betterwithstoa.com

1 day

Used to determine if Oribi analytics can be carried out on a specific domain

Performance

_gat_UA-128369402-1

Google LLC

.betterwithstoa.com

1 minute

This is a pattern type cookie set by Google Analytics, where the pattern element on the name contains the unique identity number of the account or website it relates to. It is used to limit the amount of data recorded by Google on high traffic volume websites.

Performance

bscookie

LinkedIn Corporation

.www.linkedin.com

1 year

Used by the social networking service, LinkedIn, for tracking the use of embedded services.

Performance

lang

LinkedIn Corporation

.ads.linkedin.com

Session

Used to store language preferences.

Targeting

UserMatchHistory

LinkedIn Corporation

.linkedin.com

1 month

This cookie is used to track Website visitors so that more relevant ads can be presented based on the visitor’s preferences.

Targeting

_fbp

Meta Platform Inc.

.betterwithstoa.com

3 months

Used by Meta to deliver a series of advertisement products such as real time bidding from third party advertisers

Targeting

_gcl_au

Google LLC

.betterwithstoa.com

3 months

Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.

Targeting

IDE

Google LLC

.doubleclick.net

1 year

This cookie is set by DoubleClick and carries out information about how a visitor uses the Website and any advertising that the user may have seen before visiting the Website.

Targeting

test_cookie

Google LLC

.doubleclick.net

15 minutes

This cookie is set by DoubleClick to determine if a Website visitor’s browser supports cookies.

Targeting

__cf_bm

.hubspot.com

30 minutes

This cookie is set by HubSpot’s CDN provider and is a necessary cookie for bot protection.

Learn more about Cloudflare cookies – https://developers.cloudflare.com/fundamentals/get-started/reference/cloudflare-cookies

Functionality

 

How You Can Manage Cookies

We do not currently take actions to respond to Do Not Track signals because a uniform technology standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.  

You can manage your cookie preferences at any time by clicking on the “Cookie Settings” button above. You also can manage cookies through your web browser.  Different browsers provide different methods to block and delete cookies. You can change the settings of your browser to block/delete the cookies. Please note that disabling a cookie or category of cookies does not delete the cookie from your browser unless manually deleted through your browser function.  Listed below are the links to the support documents on how to manage and delete cookies from the major web browsers.

Google Chrome: https://support.google.com/accounts/answer/32050

Safari: https://support.apple.com/en-in/guide/safari/sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox?redirectslug=delete-cookies-remove-info-websites-stored&redirectlocale=en-US

Internet Explorer: https://support.microsoft.com/en-us/topic/how-to-delete-cookie-files-in-internet-explorer-bca9446f-d873-78de-77ba-d42645fa52fc

Microsoft Edge:  https://support.microsoft.com/en-us/windows/microsoft-edge-browsing-data-and-privacy-bb8174ba-9d73-dcf2-9b4a-c582b4e640dd 

If you are using any other web browser, please visit your browser’s official support documents.

If you choose to disable a cookie that was previously placed on your device, we will cease collecting any further information during your user experience. However, the information collected prior to the preference change may still be used. 

With respect to marketing cookies, when you opt out of tracking, a new cookie is placed on your device to prevent future tracking. 

If you wish to withdraw your previously provided consent for Stoa to use marketing cookies, you may contact us via [email protected] and we will complete your request within twenty-four business hours.

Disabling cookies may impact your ability to use certain features of the Website. 

To learn more about the choices that advertisers generally provide individuals to influence how information is collected and used about their online activities over time and across third-party websites or online services, visit the Network Advertising Initiative at http://www.networkadvertising.org/managing/opt_out.asp, the Digital Advertising Alliance at http://www.aboutads.info/ (for the United States program), the Digital Advertising Alliance of Canada at www.youradchoices.ca (for the Canadian program) and/or or the European Digital Advertising Alliance at http://youronlinechoices.eu/.

To find out more about cookies, including how to see what cookies have been set and how to block and delete cookies, please visit http://www.aboutcookies.org/

If you have any questions now or during your visit, please submit your request through [email protected].