Cookie Policy

Effective date: January 1, 2025 | Last updated: June 1, 2025

1. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, or mobile) when you visit a website. They help the site remember information about your visit — such as your preferences or session state — making your next visit easier and the site more useful to you.

frbo-card uses cookies and similar tracking technologies (local storage, pixels) to operate and improve our credit card review platform. This policy explains exactly what we use, why, and how you can control it.

2. Types of Cookies We Use

Strictly Necessary

These cookies are essential for the website to function. Without them, services you have asked for — such as cookie consent preferences or secure browsing — cannot be provided. They cannot be disabled.

cookie_consent — stores your cookie preferences.
session_id — maintains your browsing session.
csrf_token — protects forms against cross-site request forgery.

Analytics

Analytics cookies help us understand how visitors interact with frbo-card — which reviews are most read, how long users stay, and where they come from. All data is aggregated and anonymized.

_ga, _gid (Google Analytics) — tracks page views, sessions, and traffic sources. Expires: 2 years / 24 hours.
_gat (Google Analytics) — throttles request rate. Expires: 1 minute.
frbo_analytics — first-party event tracking for feature performance. Expires: 90 days.

Marketing

Marketing cookies track your activity across sites to deliver relevant advertising and measure campaign effectiveness. These are only set with your consent.

_fbp (Meta Pixel) — used to deliver advertisements on Meta platforms. Expires: 90 days.
IDE (Google Ads / DoubleClick) — used for targeted ads and conversion measurement. Expires: 13 months.
frbo_ref — records affiliate referral source for partner card links. Expires: 30 days.

3. Why We Use Cookies

To keep the site secure and functional for all users.
To remember your consent choices so we do not ask repeatedly.
To analyze which FNBO card reviews are most helpful and improve our content accordingly.
To measure the performance of our editorial and marketing campaigns.
To attribute card application clicks to the correct affiliate partners, enabling us to keep reviews free.

4. Third-Party Cookies

Some cookies on frbo-card are set by third-party services we use. These providers have their own privacy and cookie policies, which we encourage you to review:

Provider	Purpose	Policy
Google Analytics	Site analytics	policies.google.com
Google Ads	Advertising & conversion	policies.google.com
Meta (Facebook)	Social advertising	facebook.com/policy

frbo-card does not control third-party cookies and is not responsible for the content of external privacy policies.

5. How to Manage or Disable Cookies

You have several options to control cookies:

Cookie banner: When you first visit frbo-card, our consent banner lets you accept all, reject non-essential, or customize your choices by category.
Browser settings: Most browsers let you block or delete cookies via their settings menu (Settings → Privacy → Cookies). Note: blocking strictly necessary cookies will break site functionality.
Google Analytics opt-out: Install the Google Analytics Opt-out Browser Add-on (tools.google.com/dlpage/gaoptout).
Ad industry opt-outs: Use optout.aboutads.info or youronlinechoices.eu to opt out of interest-based advertising.
Do Not Track: frbo-card respects browser Do Not Track (DNT) signals by disabling analytics and marketing cookies when DNT is active.

Disabling optional cookies will not affect your ability to read card reviews but may reduce the relevance of any advertising you see.

6. Your Consent

By clicking "Accept All" on our cookie banner, you consent to the use of analytics and marketing cookies as described above. Strictly necessary cookies do not require consent as they are essential to the service. You may withdraw consent at any time by returning to cookie settings via the link in our site footer.

We rely on the following legal bases under applicable data protection law: legitimate interest (strictly necessary cookies) and consent (analytics and marketing cookies).

7. Changes to This Policy

We may update this Cookie Policy to reflect changes in the technologies we use or applicable laws. When we do, we will update the "Last updated" date at the top of this page. For material changes, we will display a prominent notice on frbo-card. We encourage you to review this page periodically.

8. Contact Us

If you have questions about our use of cookies, please contact our privacy team:

frbo-card

Email: [email protected]

Subject line: "Cookie Policy Inquiry"

This Cookie Policy should be read alongside our Privacy Policy and Terms of Service. frbo-card provides independent editorial reviews of FNBO credit card products. We may receive compensation when you apply for a card through our links, but this does not influence our ratings or recommendations.