Cookie Policy – ThinkOut—Cash Flow Analysis and Forecasting

Cookie Policy

Last updated: 20.05.2020

  1. INTRODUCTION

The site https://thinkout.io/ (the “Site”) uses cookies to track overall site usage and determine areas users prefer. Cookies also allow us to customise your visit to our Site by recognising you when you return.

  1. WHAT IS A COOKIE?

An “Internet Cookie” (also known as “cookie browser” or “HTTP cookie” or simply “cookie”) is a small file of letters and numbers that will be stored on your computer or other equipment of a user on which the Internet is accessed.

The cookie is installed through a web browser’s browser request (e.g., Internet Explorer, Chrome) and is completely “passive” (it does not contain software, viruses or spyware and can not access the information on the user’s hard drive).

A cookie consists of two parts: the name and the content or the cookie value. Furthermore, the duration of a cookie is determined. Technically, only the webserver that sent the cookie can access it again when a user returns to the website associated with that webserver. The cookies themselves do not require personal information to be used, and in most cases do not personally identify internet users.

There are 2 large categories of cookies:

  • Session cookies – they are temporarily stored in the web browser’s cookie folder to save them until the user exits the site or closes the browser window (e.g., when logging on/off a webmail or social networking account).
  • Persistent cookies – these are stored on the hard drive of a computer or device (and generally depend on the default cookie lifetime). Persistent cookies include those placed on a website other than the one the user is currently visiting – known as ‘third party cookies’ – which can be used anonymously to memorize the interests of a user, so that advertising is delivered as relevant as possible to users.

According to their function, cookies can also be split into other categories, such as:

  • Necessary cookies – they help make a website usable by enabling basic functions like page navigation and access to secure areas of the website. The website cannot function properly without these cookies;
  • Preference cookies – they enable a website to remember information that changes the way the website behaves or looks, like your preferred language or the region that you are in;
  • Statistics cookies – they help website owners to understand how visitors interact with websites by collecting and reporting information anonymously;
  • Marketing cookies – they are used to track visitors across websites. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers. 
  1. WHAT ARE THE BENEFITS OF COOKIES?

A cookie contains information linking a web browser (user) and a specific web-server (website). If a browser accesses that web server again, it can read the already stored information and react accordingly. Cookies provide users with a good browsing experience and support the efforts of many websites to provide user-friendly services: ex – online privacy preferences, site language options, shopping carts, or relevant advertising.

  1. WHAT IS THE LIFETIME OF A COOKIE?

Cookies are managed by web servers. The life of a cookie may vary significantly, depending on the purpose for which it is placed. Some cookies are used exclusively for one session (“session cookies”) and are no longer retained once the user has left the website and some cookies are retained and re-used whenever the user returns to that site (“permanent cookies”). However, cookies can be deleted by a user at any time through browser settings.

  1. WHAT ARE COOKIES PLACED BY THIRD PARTIES?

Certain sections of content on some sites may be provided through third parties/providers (e.g., news box, video or commercial). These third parties may also place cookies through the site and they are called “third party cookies” because they are not placed by the owner of that website. Third-party vendors must also comply with the applicable law and the site’s privacy policies.

  1. HOW ARE COOKIES USED BY THIS SITE?

A visit to this Site may place cookies for the following purposes:

Cookie namePurposeSourceLifetime
Necessary cookiesPHPSESSIDPreserves user session state across page requeststhinkout.iosession
Preference cookiesLangRemembers the user’s selected language version of a websitehttps://snap.licdn.com/li.lms-analytics/insight.min.jssession
LangSet by LinkedIn when a webpage contains an embedded “Follow us” panelhttps://snap.licdn.com/li.lms-analytics/insight.min.jssession
Statistics_gaRegisters a unique ID that is used to generate statistical data on how the visitor uses the websitehttps://www.google-analytics.com/analytics.js2 years
_gatUsed by Google Analytics to throttle request ratehttps://www.google-analytics.com/analytics.js1 day
_gidRegisters a unique ID that is used to generate statistical data on how the visitor uses the web site.https://www.google-analytics.com/analytics.js1 day
CollectUsed to send data to Google Analytics about the visitor’s device and behaviour. Tracks the visitor across devices and marketing channels.https://www.google-analytics.com/analytics.jssession
Marketing_fbpUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.https://connect.facebook.net/en_US/fbevents.js1 day
_hjIncludedInSampleDetermines if the user’s navigation should be registered in a certain statistical place holder.https://static.hotjar.com/c/hotjar752361.js?sv=6session
BcookieUsed by the social networking service, LinkedIn, for tracking the se of embedded services.https://snap.licdn.com/li.lms-analytics/insight.min.js2 years
BizoIDUsed to track visitors on multiple websites, in order to present relevant advertisement based on the visitor’s preferences.https://snap.licdn.com/li.lms-analytics/insight.min.js29 days
BscookieUsed by the social networking service, LinkedIn, for tracking the use of embedded services.https://snap.licdn.com/li.lms-analytics/insight.min.js2 years
FrUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.https://connect.facebook.net/en_US/fb events.js3 months
LidcUsed by the social networking service, LinkedIn, for tracking the use of embedded services.https://snap.licdn.com/li.lms-analytics/insight.min.js1 day
r/collectThis cookie is used to send data to Google Analytics about the visitor’s device and behavior. It tracks the visitor across devices and marketing channels.https://stats.g.doub leclick.net/r/collectv=1aip =1t=dc_r=3tid=UA-75948006-1cid= 644080057.1541619442jid= 1301707557_gid =986029044.1541619442g jid=1682036833_v=j71z=1583100865session
TrUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.https://connect.facebook.net/en_US/fbevents.jssession
UserMatchHistoryUsed to track visitors on multiple websites, in order to present relevant advertisement based on the visitor’s  preferences.h ttp s://sn ap .licd n .co m/li.lms-an alytics/in sig h t.min .js29 days
Unclassified(unnamed)https://thinkout.io/hu/?store=HUsession
intercom-id-b4xnn27chttps://widget.intercom.io/widget/APP_ID270 days
intercom-statehttps://widget.intercom.io/widget/APP_ID
Persistent

Each time a user visits this site, third-party analytics software generates a user’s analysis cookie. This cookie tells us if you have visited this Site so far. The browser will tell us if you have this cookie, and if not, we will generate one. It allows monitoring of the unique users who visit us and how often they do it.

As long as you are not registered on this Site, this cookie can not be used to identify individuals, they are only used for statistical purposes. If you are registered, we may also know the details you have provided us, such as your e-mail address and username – subject to the confidentiality and provisions of the Terms and Conditions, the Privacy Policy and the legislation in force with regard to the protection of personal data.

Cookies for geotargetting

These cookies are used by software that determines where you come from. It is completely anonymous and is used only to target the content – even when you are on our page in Romanian or in another language you receive the same advertisement.

Cookies for registration

When you sign up for this site, we generate a cookie that tells us if you are registered or not. Our servers use these cookies to show us your account and if you have permission for a particular service. It also allows us to associate any comments you post on our site with your username. If you did not select “keep me registered,” this cookie will automatically delete when you close your browser or computer.

Cookies for advertising

These cookies let us know whether or not you viewed an online ad, what is its type, and how long it has been since you saw the ad message. These cookies are also used to target online advertising. We can also use 3rd-party cookies for better ad targeting, such as showing holiday ads if the user has recently visited an article on vacancies. These cookies are anonymous, they store information about the viewed content, not the users.

We also set up anonymous cookies through other sites that we advertise. By accepting them, we can use them to recognize you as a visitor to that site if you later visit our site, we will be able to deliver advertising based on this information.

Advertiser cookies

Much of the advertising you find on this site belongs to third parties. Some of these parties use their own anonymous cookies to analyze how many people have been exposed to an ad, or to see how many people have been exposed multiple times to the same ad.

The companies that generate these cookies have their own privacy policies, and this site does not have access to read or write these cookies. Third-party cookies can be used to show your target advertising on other sites, based on your browsing on this site.

Other cookies of third parties

On some pages, third parties can set their own anonymous cookies in order to track the success of an application, or to customize an application. Due to its use, this site can not access these cookies, just as third parties can not access cookies owned by this site. For example, when you share an article using the social network button on this site, that social network will record your activity.

Why are cookies important to the Internet?

Cookies are the central focus of the efficient Internet, helping to generate a friendly browsing experience and tailored to the preferences and interests of each user. Denying or disabling cookies can make some sites unusable.

Disabling or disabling cookies does not mean you will not receive online advertising – but it will not be able to take account of your preferences and interests highlighted by your browsing behavior.

Examples of important uses of cookies (not requiring authentication of a user through an account):

  1. Content and services tailored to the user’s preferences – news, weather, sports, maps, public and governmental services, entertainment sites and travel services.
  2. Offers tailored to the interests of users – retaining passwords, language preferences (eg display of Romanian search results).
  3. Retrieve Child Protection Filters for Content on the Internet (Family Mode Options, Safe Search Functions).
  4. Limit ad serving frequency – limit the number of impressions of an ad for a particular user on a site.
  5. Providing more relevant advertising for the user.
  6. Measurement, optimization and analytics features – such as confirming a certain level of traffic on a website, what type of content is viewed, and how a user reaches a website (eg through search engines, directly from other websites Etc.). Websites run these analyzes of their use to improve sites for the benefit of users.

Security and privacy issues

Cookies are not viruses. They use plain text formats. They are not made up of pieces of code so they can not be executed or can auto-run. Consequently, they can not duplicate or replicate on other networks to run or replicate again. Because they can not perform these functions, they can not be considered viruses.

Cookies can still be used for negative purposes. Because it stores information about user preferences and browsing history, both on a particular site and on several other sites, cookies can be used as a form of Spyware. Many anti-spyware products are aware of this and consistently mark cookies to be deleted in anti-virus / anti-spyware removal / scanning procedures.

In general, browsers have built in privacy settings that provide different levels of cookie acceptance, shelf life, and automatic deletion after the user has visited a particular site.

Other security issues related to cookies

Because identity protection is very valuable and is the right of every internet user, it is advisable to know what problems can create cookies. In order to transmit constant information in both ways between the browser and the website, if an attacker or unauthorized person intervenes in the data transmission path, the information contained in the cookie can be intercepted. Although very rarely, this can happen if the browser connects to the server using an unencrypted network (eg an unsecured WiFi network).

Other cookie-based attacks involve bad cookie settings on servers. If a website does not require the browser to use only encrypted channels, attackers can use this vulnerability to prevent browsers from sending information via unsecured channels. Attackers then use information for unauthorized access to certain sites. It is very important to be careful in choosing the most appropriate method of protecting personal information.

Tips for a safe and responsible cookie-based navigation.

Due to their flexibility and the fact that most of the most visited sites and the biggest ones use cookies, they are almost inevitable. Disabling cookies will not allow the user access to the most popular and used sites including Youtube, Gmail, Yahoo and others. Here are some tips to make sure you do not worry about cookies:

  1. Customize your cookie browser settings to reflect a comfortable cookie level for you.
  2. If you do not mind cookies and you are the only person using your computer, you can set expiration dates to store your browsing history and personal access data.
  3. If you share access to your computer, you can consider the browser setting to delete individual browsing data each time you close your browser. This is a way to access sites that place cookies and delete any business information when you close the browsing session.
  4. Install and constantly update your anti-spyware applications.

Many of the applications for detection and prevention of spyware include the detection of attacks on sites. This prevents the browser from accessing websites that could exploit browser vulnerabilities or download dangerous software. Make sure your browser is always up-to-date. Many of the cookies attacks are exploited by exploiting the weaknesses of the old versions of browsers.

Cookies are everywhere and can not be avoided if you want to enjoy access to the best and largest websites on the Internet – local or international. With a clear understanding of how they work and the benefits they bring, you can take the necessary security measures so you can browse with confidence on the internet.

How do I stop cookies?

Disabling and refusing to receive cookies can make some sites unfeasible or difficult to visit and use. Also, refusing to accept cookies does not mean you will not receive / see online advertising anymore.