What are cookies? Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, understand how you use them, and deliver a better experience. This policy explains how EMT Cash uses cookies on emtcash.ca.
1. What Are Cookies?
A cookie is a small data file placed on your computer, smartphone, or tablet when you visit a website. Cookies are widely used by websites to make them work more efficiently, to provide functionality, and to give website owners information about how their site is being used.
Cookies can be:
- Session cookies — temporary cookies that expire when you close your browser.
- Persistent cookies — cookies that remain on your device for a set period of time, even after your browser is closed.
- First-party cookies — set directly by emtcash.ca.
- Third-party cookies — set by external services we use, such as analytics providers.
Cookies cannot access other files on your device, carry viruses, or collect personal information beyond what you have provided to us.
2. Types of Cookies We Use
We use four categories of cookies on emtcash.ca. Here is a full breakdown of each:
Essential Cookies
These cookies are strictly necessary for the website to function and cannot be switched off. Without them, parts of the site will not work correctly.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| emt_session | Maintains your session while you browse the site | Session | |
| emt_csrf | Protects forms from cross-site request forgery attacks | Session | |
| emt_consent | Remembers your cookie consent preferences | 12 months | |
| emt_lang | Stores your language preference | 12 months |
Analytics Cookies
These cookies help us understand how visitors interact with our website. All data is aggregated and anonymized — we cannot identify individual users from analytics data.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| _ga | Google Analytics — distinguishes unique users | 2 years | |
| _ga_* | Google Analytics 4 — stores session state | 2 years | |
| _gid | Google Analytics — distinguishes users (short-term) | 24 hours | |
| _gat | Google Analytics — throttles request rate | 1 minute |
Marketing & Advertising Cookies
These cookies track your visit across our site and are used to measure the effectiveness of our advertising campaigns. They may be set by our advertising partners.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| _fbp | Facebook Pixel — tracks conversions from Facebook ads | 3 months | |
| _gcl_au | Google Ads — tracks ad conversion events | 3 months | |
| emt_ref | Tracks referring source for attribution purposes | 30 days | |
| emt_utm | Stores UTM campaign parameters | 30 days |
Preference Cookies
These cookies allow the website to remember choices you make (such as form preferences or dismissed banners) to provide a more personalized experience.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| emt_prefs | Stores display preferences and dismissed notices | 6 months | |
| emt_banner | Remembers if you have dismissed the cookie banner | 12 months |
3. Third-Party Cookies
Some cookies on our site are set by third-party services we use to operate and improve the website. We do not control these third-party cookies. The main third-party providers we use are:
- Google Analytics — web traffic analytics. See Google's Privacy Policy.
- Google Ads — advertising conversion tracking. See Google Ads & Privacy.
- Meta (Facebook) Pixel — social media advertising measurement. See Meta's Privacy Policy.
Third-party opt-outs: You can opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout, and manage Facebook ad preferences at facebook.com/adpreferences.
4. Your Cookie Consent
When you first visit emtcash.ca, you will be presented with a cookie consent banner. You may choose to:
- Accept all cookies — enables all cookie categories including analytics and marketing.
- Accept essential only — only strictly necessary cookies will be set; analytics and marketing cookies will be blocked.
- Customize preferences — choose which categories of cookies to allow.
Essential cookies are always active as they are required for the site to function. Your consent choices are saved in the emt_consent cookie for 12 months. You may update your preferences at any time.
Change your mind? You can update your cookie preferences at any time by clearing your browser cookies and revisiting our site, or by contacting us at privacy@emtcash.ca.
5. How to Manage Cookies in Your Browser
You can control and delete cookies directly through your browser settings. Below are instructions for the most common browsers:
Please note: Blocking or deleting essential cookies may prevent parts of emtcash.ca from working correctly, including the loan application form. Non-essential cookie changes will not affect core site functionality.
6. Do Not Track Signals
Some browsers include a "Do Not Track" (DNT) feature that sends a signal to websites requesting that your browsing not be tracked. There is currently no agreed industry standard for how websites should respond to DNT signals.
At this time, our website does not respond differently to DNT signals. However, you can limit tracking by managing your cookie preferences as described in Section 5 above, or by using your browser's private/incognito mode.
7. Local Storage & Similar Technologies
In addition to cookies, we may use other browser storage technologies such as:
- Local Storage — stores data in your browser with no expiry date, cleared only when you clear browser data manually.
- Session Storage — stores data for the duration of your browser session only.
- Web Beacons / Pixels — tiny transparent images embedded in pages or emails that help us track engagement and delivery.
These technologies are used for the same purposes as cookies — to improve functionality, measure performance, and support our advertising efforts. You can clear local and session storage through your browser's developer tools or privacy settings.
8. Updates to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in the cookies we use, our technology providers, or applicable regulations. When we make updates, we will revise the "Last Updated" date at the top of this page.
We encourage you to review this policy periodically. If we make significant changes, we may also display a notice on our website or prompt you to review your cookie preferences again.
9. Contact Us
If you have any questions about our use of cookies or this Cookie Policy, please contact our Privacy Officer:
EMT Cash Privacy Officer
Email: privacy@emtcash.ca | Website: emtcash.ca/contact
We respond to all privacy and cookie inquiries within 10 business days (Mon–Fri, 9 AM – 6 PM EST).