Cookie Policy
Last Updated: June 9, 2026
1. Introduction
Cambrian Credit Union operates the website cambrlan.com and is committed to being transparent about the technologies we use to provide, improve, and secure our online services. This Cookie Policy forms part of our broader Privacy Policy and explains in detail what cookies are, which cookies we use, why we use them, and how you can manage your preferences.
As a financial services provider operating in Canada, we are subject to applicable Canadian federal and provincial privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. We also align our practices with internationally recognized standards, including the General Data Protection Regulation (GDPR), to reflect global best practices in data protection and user transparency.
We encourage you to read this policy in full so that you can make informed choices about your online experience when visiting our website.
2. What Are Cookies?
Cookies are small text files that are placed on your computer, smartphone, tablet, or other internet-connected device when you visit a website. They are widely used across the internet to make websites function more efficiently, to enhance the user experience, and to provide information to website owners.
Cookies serve many purposes. Some cookies are essential for a website to work properly — without them, certain features simply would not function. Others are used to remember your preferences, analyze how you use a website, or deliver targeted advertising. Cookies do not typically contain information that personally identifies you directly, but personal information that we store about you may be linked to the information stored in and obtained from cookies.
In addition to cookies, we may also use similar tracking technologies such as:
- Web beacons (pixel tags): Tiny invisible images embedded in web pages or emails that track whether a page or email has been opened.
- Local storage: A browser feature that allows websites to store data locally on your device, similar to cookies but with greater storage capacity.
- Session storage: Temporary data storage that is cleared when your browser session ends.
- Fingerprinting: A technique that collects information about your browser and device settings to create a unique identifier.
For the purposes of this policy, we use the term "cookies" to refer to all of these technologies collectively, unless otherwise specified.
3. How Cookies Work
When you first visit cambrlan.com, our web server sends a cookie file to your browser, which stores it on your device. The next time you visit our website, your browser sends the stored cookie back to our server, allowing us to recognize your device and recall your previous interactions or preferences.
Cookies can be either first-party cookies (set by us directly on our domain) or third-party cookies (set by third-party services such as analytics providers or advertising networks that we integrate into our website). Third-party cookies are governed by the privacy policies of those respective third parties, and we encourage you to review their policies as well.
Cookies can also be categorized by their lifespan:
- Session cookies: Temporary cookies that are deleted when you close your browser. They are used to maintain your session as you navigate between pages.
- Persistent cookies: Cookies that remain on your device for a defined period or until you manually delete them. They are used to remember your preferences across multiple visits.
4. Types of Cookies We Use
We use the following categories of cookies on cambrlan.com:
4.1 Strictly Necessary / Essential Cookies
These cookies are essential for the operation of our website and cannot be switched off in our systems. They are usually set in response to actions you take, such as setting your privacy preferences, logging in, or filling out forms. Without these cookies, services that you have asked for — such as secure login to your member account — cannot be provided.
Because these cookies are necessary for the website to function, they do not require your consent under applicable law. However, we still believe in being fully transparent about their use.
4.2 Performance and Analytics Cookies
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our website. They help us understand which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited our website and will not be able to monitor its performance effectively.
4.3 Functional Cookies
These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have integrated into our pages. If you do not allow these cookies, then some or all of these services may not function properly.
4.4 Advertising and Targeting Cookies
These cookies may be set through our website by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites. They do not store directly personal information but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.
5. Specific Cookies We Use
The table below lists the specific cookies that may be set when you visit cambrlan.com:
| Cookie Name | Provider | Purpose | Type | Duration |
|---|---|---|---|---|
_ga |
Google Analytics | Registers a unique ID used to generate statistical data on how the visitor uses the website. Used to distinguish users and sessions. | Analytics (Third-Party) | 2 years |
_gid |
Google Analytics | Registers a unique ID used to generate statistical data on how the visitor uses the website. Stores and updates a unique value for each page visited. | Analytics (Third-Party) | 24 hours |
_gat |
Google Analytics | Used by Google Analytics to throttle the request rate, limiting the collection of data on high-traffic websites. | Analytics (Third-Party) | 1 minute |
_gcl_au |
Google Ads (AdSense) | Used by Google AdSense to experiment with advertisement efficiency across websites that use their services. Tracks conversions from Google Ads. | Advertising (Third-Party) | 3 months |
_fbp |
Facebook (Meta) | Used by Facebook to deliver a series of advertisement products such as real-time bidding from third-party advertisers. | Advertising (Third-Party) | 3 months |
cookieconsent_status |
Cambrian Credit Union | Stores the user's cookie consent preferences so that the consent banner is not displayed on every page visit. | Essential (First-Party) | 1 year |
PHPSESSID |
Cambrian Credit Union | Preserves user session state across page requests. Used to maintain your login session and keep you authenticated while navigating secure areas of the website. | Essential (First-Party) | Session |
csrf_token |
Cambrian Credit Union | A security token used to prevent Cross-Site Request Forgery (CSRF) attacks. Ensures that form submissions originate from our website. | Essential (First-Party) | Session |
user_pref |
Cambrian Credit Union | Stores user preferences such as language settings, display options, and accessibility configurations to enhance the browsing experience. | Functional (First-Party) | 6 months |
_gac_UA-XXXXXXX |
Google Ads / Analytics | Contains campaign-related information for the user. Used to associate ad clicks with website conversions for Google Ads campaigns. | Advertising (Third-Party) | 90 days |
6. Legal Basis for Using Cookies in Canada
In Canada, the use of cookies and similar tracking technologies is governed primarily by PIPEDA (Personal Information Protection and Electronic Documents Act), which requires organizations to obtain meaningful consent before collecting, using, or disclosing personal information, including information gathered through cookies.
Under PIPEDA and the guidelines published by the Office of the Privacy Commissioner of Canada (OPC), we rely on the following legal bases for our cookie usage:
- Implied consent for strictly necessary cookies that are essential to the operation of our website and services you have requested.
- Express (opt-in) consent for non-essential cookies, including analytics, functional, and advertising cookies, which we seek through our cookie consent banner when you first visit our website.
You have the right to withdraw your consent at any time by adjusting your cookie preferences or by using the opt-out tools described in Section 8 of this policy. Withdrawing consent does not affect the lawfulness of processing based on consent before its withdrawal.
In addition to PIPEDA, provincial privacy legislation such as Quebec's Law 25 (Act respecting the protection of personal information in the private sector) may also apply depending on the province in which you reside. We are committed to complying with all applicable Canadian federal and provincial privacy requirements.
7. Third-Party Cookies and Services
We use a number of third-party services on our website that may set their own cookies. These include but are not limited to:
- Google Analytics: We use Google Analytics to help us understand how visitors interact with our website. Google Analytics collects information anonymously and reports website trends without identifying individual visitors. For more information about Google Analytics cookies, visit Google's Privacy Policy.
- Google Ads: We may use Google Ads to advertise our services across the internet and to track conversions. Google uses cookies to serve ads based on your prior visits to our website. For more information, visit Google's Advertising Policies.
- Facebook (Meta) Pixel: We may use the Facebook Pixel to measure the effectiveness of our advertising, understand the actions people take on our website, and reach audiences on Facebook and Instagram. For more information, visit Meta's Privacy Policy.
We do not control these third-party cookies. Please review the privacy policies of these third parties to understand how they use your information.
8. How to Manage and Disable Cookies
You have the right to decide whether to accept or reject non-essential cookies. You can exercise your cookie preferences in the following ways:
8.1 Cookie Consent Banner
When you first visit cambrlan.com, you will be presented with a cookie consent banner that allows you to accept or decline non-essential cookie categories. You can change your preferences at any time by clicking the "Cookie Settings" link available in the footer of our website.
8.2 Browser Settings
Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies, to alert you when a cookie is being sent, or to delete cookies that have already been set. The method for doing this varies from browser to browser. Please refer to the instructions for your specific browser:
8.3 Opt-Out Tools
In addition to browser settings, you can use the following tools to opt out of specific third-party tracking:
- Google Analytics Opt-Out: You can prevent your data from being used by Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
- Google Ads Personalization: You can opt out of personalized advertising from Google by visiting Google's Ad Settings.
- Facebook (Meta) Ad Preferences: You can manage your Facebook ad preferences and opt out of interest-based advertising by visiting Facebook's Ad Preferences.
- Digital Advertising Alliance of Canada (DAAC): Canadian residents can opt out of interest-based advertising from participating companies by visiting youradchoices.ca.
- Network Advertising Initiative (NAI): You can opt out of targeted advertising from NAI member companies by visiting optout.networkadvertising.org.
9. Impact of Disabling Cookies
Please be aware that restricting or disabling cookies may have an impact on your experience when using our website. The effects depend on the type of cookies you disable:
| Cookie Type | Impact of Disabling |
|---|---|
| Essential Cookies | The website may not function properly. Secure login, account access, and form submissions may not work. We strongly recommend keeping these cookies enabled. |
| Analytics Cookies | We will not be able to track your visits or monitor website performance. Your individual browsing experience will not be affected, but our ability to improve our website for all users will be reduced. |
| Functional Cookies | Personalization features such as remembered preferences and display settings may not work. You may need to re-enter your preferences each time you visit our website. |
| Advertising Cookies | You will still see advertisements, but they may be less relevant to your interests. Disabling these cookies does not reduce the number of ads you see — only their relevance. |
10. Do Not Track (DNT) Signals
Some web browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not want to be tracked. Currently, there is no universally accepted standard for how websites should respond to DNT signals. As a result, our website does not currently respond to browser DNT signals. However, we do provide the cookie management tools described in Section 8 of this policy, which give you meaningful control over your tracking preferences.
We will continue to monitor developments in DNT technology and applicable regulations and will update our practices accordingly.
11. Children's Privacy
Our website is not directed at children under the age of 13, and we do not knowingly collect personal information from children through cookies or any other means. If you believe that a child under the age of 13 has provided us with personal information through our website, please contact us immediately at [email protected] so that we can take appropriate action.
12. Updates to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in the cookies we use, changes in applicable laws and regulations, or changes in our business practices. When we make significant changes to this policy, we will notify you by updating the "Last Updated" date at the top of this page and, where appropriate, by displaying a notice on our website or sending you a direct notification.
We encourage you to review this Cookie Policy periodically to stay informed about our use of cookies and related technologies. Your continued use of our website after any changes to this policy constitutes your acceptance of the updated terms.
13. Your Rights Under Canadian Privacy Law
As a resident of Canada, you have certain rights with respect to the personal information we collect through cookies, including:
- Right to Access: You have the right to request access to the personal information we hold about you, including information collected through cookies.
- Right to Correction: You have the right to request correction of inaccurate or incomplete personal information.
- Right to Withdraw Consent: You have the right to withdraw your consent to the use of non-essential cookies at any time by adjusting your cookie preferences or using the opt-out tools described in this policy.
- Right to Complain: If you believe that we have not handled your personal information in compliance with applicable Canadian privacy legislation, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada (OPC) at www.priv.gc.ca, or with the applicable provincial privacy commissioner.
14. Contact Us
If you have any questions, concerns, or requests regarding this Cookie Policy or our use of cookies, please do not hesitate to contact us. We are committed to addressing your inquiries promptly and in accordance with our obligations under applicable Canadian privacy law.