This Cookie Policy explains how ONX X+Mortgage uses cookies and similar technologies to collect and store information when you visit the ONX X+Mortgage website. By using the website, you agree to the use of cookies and similar technologies as described in this policy.
About Cookies
A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content.
Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed.
Cookies may not contain any information that personally identifies a user, but personal data that we store about you may be linked to the information stored in and obtained from cookies.
Cookies That We Use
In this policy, we say “cookies” to refer to all of these technologies. We use the following types of cookies:
- Essential Cookies are required to make our Website function properly and cannot be turned off in our systems. If you block these cookies, portions of our Website may not function properly.
- Performance and Functional Cookies allow us to count visits and sources of traffic on our Website so we can measure and improve performance and functionality. They help us know which pages of our Website is most and least popular and how visitors move around the Website.
- Targeted Advertising Cookies may be set through our Website by our advertising partners. They may be used by advertising companies to build a profile of your interests and show you relevant advertisements on other websites.
- Social Media Cookies allow you to share information using social media sharing buttons on social networks like Facebook, Pinterest, Instagram, or Twitter. This information may then be used by the social media network to deliver targeted advertising to you.
ONX X+Mortgage uses web beacons or pixel tags in conjunction with cookies on our website, including session ID cookies, non-persistent cookies. A cookie is a text file sent by a web server to a web browser and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user’s preferences for that particular site, including the personalization of content. Cookies are also used to gather statistical data, such as which pages are visited, what is downloaded, the ISP’s domain name and country of origin, and the addresses of sites visited before and after coming to our site, as well as your “click stream” activity, meaning the paths taken by visitors to our site as they navigate from page to page and transactional attributes in accordance with information you voluntarily submit in the course of using our site. This data is aggregated for analysis to ensure proper functioning of our site in terms of navigation and usability, as well as to evaluate the effectiveness of our marketing activities. At no time do any of our cookies capture any personally identifiable information. However, to the extent that Internet Protocol (IP) addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information. Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Cookie Policy. More importantly, using cookies also helps us protect the security of your account. Encrypted session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans, or making loans on your behalf. We may send a cookie that can be stored by your browser on your computer’s hard drive. We may use the information we obtain from the cookie in the administration of our website, to improve its usability and for evaluating our marketing events. We may also use that information to recognize your computer when you visit our website. Most browsers allow you to refuse to accept cookies. Blocking cookies, however, can also have a negative impact on the usability of many websites. We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our site. We use respective web beacons to gather information that lets us tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.
Cookie Use By Our Service Providers
We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our Website. We use respective web beacons to gather information that lets us tune and improve our user’s browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.
This site uses the Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google’s privacy policy is incorporated herein and can be found at https://policies.google.com/privacy. By using this site, you agree to be bound by Google’s Terms of Service which may be found at https://policies.google.com/terms
Options for Managing Cookies
When you first visit our website, you will be presented with a Notice and a Cookie banner that describes the types and purposes of cookies deployed when you visit the site. The banner also enables you to choose the types of cookies that you prefer to be placed on your browser during your website visit. If your preferences change, you may go to the Cookie Settings link provided on the bottom of the web page to update your preferences.
In addition to the cookie banner, most browsers allow you to refuse to accept cookies and to delete cookies.
If you want to disable cookies and you’re using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on “Block Cookies” to manage your preferences. If you want to disable cookies and you’re using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Site Data, make the selection that provides the level of tracking you prefer. If you want to disable cookies and you’re using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies.
The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
a) https://support.google.com/chrome/answer/95647 (Chrome);
b) https://support.mozilla.org/en-US/kb/enhanced-tracking-protection-firefox-desktop (Firefox);
c) https://help.opera.com/en/latest/security-and-privacy/ (Opera);
d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
e) https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and
f) https://support.microsoft.com/en-gb/help/4468242/microsoft-edge-browsing-data-and-privacy (Edge).
Please note that certain features of the ONX X+Mortgage website will not be available once cookies are disabled.
Behavioral Tracking and Web Session Recording Technologies on ONX X+Mortgage Websites
When you visit our website, we use site visit recordation technologies to memorialize site visits, third-party cookies, beacons, tags and scripts to help collect the categories of information described above and aggregated information from your internet browser such as your behavior on our website. ONX X+Mortgage, as well as the third-party entities use Cookies, pixels and other tracking technology (collectively, “Tracking Technology”) in connection with our site for purposes of tracking users’ activities (such as websites visited, advertisements selected, and pages viewed) after they leave our site. ONX X+Mortgage and its third- party partners use this Tracking Technology to target applicable users with advertisements featuring ONX X+Mortgage products and/or services, as well as third-party products and/or services, that may be of interest to applicable users and to collect and analyze data on visitor interactions for our website to help make the sites more useful to visitors. These technologies are embedded on our websites and may collect the following information when you interact with the page(s): a users’, scrolling, page hits, keystrokes, mouse movements, data entered, modules completed, links clicked, tracking errors and events, user behavior and API calls. Personal data is not collected through the monitoring of website activity.
On your first visit to our website you may have seen a disclaimer in our cookie banner directing you to this Notice for information regarding our use of such technologies and that by using this site you consent to the purposes described when you visit our site.
These site visit recordation technologies help us provide the best digital experience, diagnose usability problems, identify areas for improvement, help personalize user experience on our website, to better understand your preferences, and operate our business.
We use Google Analytics, Google Tag Manger, and Microsoft Azure Application Insights that may employ software code to record users’ interactions with our website and to collect and analyze data on visitor interactions for our website to help make the sites more useful to visitors and obtain information for its optimization. This includes a users’, scrolling, page hits, tracking errors and events, user behavior and API calls. This data is aggregated and is not collected at the per-user level. Google Analytics, Tag Manager, and Azure Application Insights do not track, collect or upload any data that personally identifies an individual (such as a name, email address, account number or billing information), or other data which can be reasonably linked to such information.
We reserve the right to remove or add new analytic technologies.
Effective Date of this Policy: 04/17/2025.