What is a Cookie
A cookie is a small text file deposited on your device by your web browser when you visit a website. This file contains simple information such as a unique identifier, the name of the server that deposited it, and an expiration date. It allows the website to remember certain user actions or preferences. Two main types are distinguished: session cookies, which automatically disappear when the browser is closed, and persistent cookies, which remain on your device for a determined period. Additionally, first-party cookies are issued directly by the visited website, while third-party cookies come from other external entities integrated into the site.
Why We Use Cookies
On AR360 — Finance, cookies allow us to measure our page audiences anonymously, helping us understand which content is most consulted. They also memorize certain navigation preferences, such as displayed language or your consent choices regarding specific tools. Finally, we use cookies for affiliate purposes, particularly to track bank account openings made through our partner links, without collecting personally identifiable information. These data help us improve the browsing experience and maintain a free editorial service.
Categories of Cookies Used
We classify cookies into several categories based on their purpose. Essential cookies are always active as they are indispensable for proper site operation, such as page loading or connection security. Audience measurement cookies, anonymized, require your explicit consent and serve to analyze site traffic without identifying visitors. We also occasionally use third-party affiliate cookies, deposited when a click is made on a link to a partner neobank. Finally, we do not use any intrusive advertising cookies or behavioral profiling.
Indicative List of Third-Party Cookies
- Google Analytics — anonymous audience measurement — lifetime: 14 months
- Cloudflare (where applicable) — site security — lifetime: session
- Affiliate networks (various) — tracking of account opening conversions — variable duration according to partners
This list may be updated depending on the third-party tools we integrate from time to time. Each partner acts as a separate data processing controller, in accordance with applicable legislation.
How to Manage or Refuse Cookies
Upon your first visit to our site, a consent banner appears allowing you to accept or refuse applicable cookie categories. You can modify your choice at any time by clicking the “Cookie Preferences” link located in the site footer. You also have the option to disable cookies directly from your browser settings (Chrome, Firefox, Safari, Edge). Each browser offers a privacy options section where cookies can be blocked or deleted. Refusing non-essential cookies does not result in any loss of editorial functionality.
Retention Period
The retention period for cookies depends on their category. Essential cookies are generally limited to the browsing session, while audience measurement cookies can be retained for up to 13 months maximum. Third-party affiliate cookies have variable durations according to the policies of the relevant partners. At any time, you can request deletion of these files through your browser settings.
Policy Updates
This cookie policy may be modified to reflect changes in practices or tools used. Any update will be indicated at the top of this page with the last revision date. We encourage you to regularly consult this page to stay informed of any changes.
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AR360 — Finance is neither a broker nor a registered financial advisor with the Autorité des marchés financiers (AMF — Quebec’s financial markets authority) of Quebec. Content published on this site is strictly editorial and provided for informational purposes only. It does not constitute personalized financial advice under any circumstances. Before making a financial decision, we invite you to consult a registered financial advisor. Rates, fees, and conditions mentioned may be changed by financial institutions without notice. For complaints or questions about business practices, contact the AMF at 1-877-525-0337 or visit lautorite.qc.ca.