Cookie Policy

1. What cookies and similar technologies are

Cookies are small text files that a website places on your device to store information. Similar technologies - such as pixels, tags, software development kits, and browser storage (for example, localStorage and sessionStorage) - perform comparable functions. They can be first-party (set by the site you are visiting) or third-party (set by another provider), and session (deleted when you close your browser) or persistent (remaining until they expire or are cleared). This Policy explains how Francette, LLC, a Pennsylvania limited liability company doing business as “Ricerca”, uses these technologies on the website at ricercacredit.com (the “Site”).

2. Our consent-first approach

We use Google Consent Mode v2 and take a consent-first approach. Analytics are denied by default, and no analytics scripts load and no analytics cookies are set until you click “Accept” on our cookie banner. If you decline (or take no action), non-essential technologies stay off. Accepting grants analytics storage only - advertising storage, ad user data, and ad personalization stay denied at all times - and lets us keep our 30-day first-touch campaign cookie (described below), which is the only persistent cookie we set ourselves. If no Google Analytics / Tag Manager identifier is configured for the Site, no analytics run, the banner does not appear at all, and that cookie is never set.

Your choice is remembered locally in your browser under the key ricerca_consent_v1. This preference is stored in browser storage on your device; it is not a tracking cookie and is used only to remember whether you accepted or declined.

3. Categories we use

Strictly necessary

These are required for the Site to function and to honor your choices. This includes remembering your cookie consent decision (stored under ricerca_consent_v1) and basic technologies used to deliver and secure the Site. These cannot be switched off through the banner because the Site cannot work properly without them.

Analytics (only after consent)

With your consent, we use Google Analytics 4 (GA4) and Google Tag Manager (GTM) to understand how visitors use the Site so we can measure and improve it. These technologies - and any cookies Google sets in connection with them - load only after you click “Accept.”

Spam protection

Where it is enabled, Cloudflare Turnstile protects our forms from automated abuse. The widget loads with the page whenever a protected form is present - currently the contact and get-started forms - rather than waiting for you to click into a field, and it may set a token or similar identifier on your device to complete the check. The sign-in pages of our portals, reachable from our sign-in page, are separate applications that use the same protection where enabled, under their own terms and privacy notices.

Functional browser storage

Up to four first-party keys live in your own browser: your consent preference; a copy of your illustrative calculator result - only if you use the credit calculator - so that our get-started and contact forms can offer them back to you as an editable summary line instead of making you retype them; and a note of the campaign details of the link that first brought you to the Site (UTM tags, ad-click identifiers, referring site, landing page), so that if you submit one of those forms we can record which channel the inquiry came through; and, for the newsletter form, the campaign tags of that first link, sent with a signup. The calculator copy and the campaign notes are session-scoped and disappear when you close the tab. Nothing from any of these keys reaches us unless you submit a form.

First-touch campaign cookie (only after consent)

If - and only if - you click “Accept” on the cookie banner, we also keep that same campaign note in a first-party cookie for up to 30 days, so that a return visit can still be tied to the link that first brought you. It is set with SameSite=Lax, is never sent to an advertising platform, and is deleted as soon as you decline or withdraw your choice. Declining, or not choosing, leaves only the session-scoped note above. See “Campaign attribution” in our Privacy Policy.

4. Categories at a glance

5. Browser storage we set

6. Third-party cookies

Google sets cookies in connection with GA4/GTM only after you accept analytics. These help distinguish users and sessions and measure how the Site is used: _ga and _ga_K944H11JLN, first-party cookies that Google Analytics keeps for up to 2 years (you can delete them, or decline analytics, at any time). Google Signals and advertising features are not used. Cloudflare Turnstile, where enabled, may set a token or similar identifier to verify that a submission is human and to fight abuse; this is used for security rather than advertising. We do not use cookies for advertising or cross-context behavioral targeting.

7. How to change or withdraw your choice

Withdrawing consent is as easy as giving it. Use the control below - one click, effective immediately and remembered for future visits.

If the control above does not appear, either JavaScript is switched off in your browser or no analytics are configured for this Site at all - in which case there is nothing running to withdraw. You can also:

• Reset your preference for this Site: clear site data / browser storage for ricercacredit.com (which removes the ricerca_consent_v1 value). The banner will appear again on your next visit so you can make a new choice.
• Use your browser settings: most browsers let you block or delete cookies and similar technologies, and clear local storage. Refer to your browser’s help pages for instructions. Blocking strictly necessary technologies may affect how the Site works.
• Google Analytics opt-out: you can also install Google’s Analytics Opt-out Browser Add-on.

Withdrawing consent stops further analytics storage immediately. Cookies Google already set while consent was granted are cleared by clearing site data in your browser, as described above.

8. More information & links

For more about how we handle personal information - including the fields our forms collect and the processors we use - see our Privacy Policy. If you have questions about this Cookie Policy, contact us at [email protected].

We may update this Cookie Policy from time to time to reflect changes in technology or our practices; when we do, we will revise the “Last updated” date above.