Legal

Cookie Policy

Last updated: June 1, 2026  ·  Effective: June 1, 2026

fhbo-usa ("we", "us", or "our") uses cookies and similar tracking technologies on our website and API developer portal. This Cookie Policy explains what cookies are, which ones we use, why we use them, and how you can control them. By using our services, you consent to our use of cookies as described below.

1. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, or mobile) when you visit a website. They allow the site to recognize your device, remember your preferences, and collect usage data. Cookies may be session cookies (deleted when you close your browser) or persistent cookies (retained for a set period or until you delete them).

2. Types of Cookies We Use

Strictly Necessary

Always Active

Required for the website and API portal to function. Without these, core features — authentication, session management, security controls — cannot operate.

  • User authentication tokens and session identifiers
  • CSRF protection and security nonces
  • Load balancer and server affinity cookies
  • Cookie consent state storage

Analytics & Performance

Optional

Help us understand how visitors interact with our site so we can improve documentation, developer experience, and API performance dashboards.

  • Google Analytics 4 — page views, session duration, referral source
  • Heap Analytics — anonymized user interaction flows
  • Internal error logging for API endpoint latency

Marketing & Targeting

Optional

Used to deliver relevant information about fhbo-usa API solutions to developers and financial institutions who have visited our site.

  • LinkedIn Insight Tag — B2B retargeting for financial institutions
  • Google Ads conversion tracking
  • HubSpot — marketing automation and CRM lead attribution

3. Why We Use Cookies

  • To keep you securely signed in to the fhbo-usa developer portal
  • To remember your API key preferences and dashboard settings
  • To measure which documentation pages and endpoints are most useful
  • To detect and prevent fraudulent or unauthorized API access attempts
  • To serve relevant content to qualified financial-technology prospects

4. Third-Party Cookies

Some cookies are set directly by third-party services we integrate, such as Google, LinkedIn, and HubSpot. These providers have their own privacy and cookie policies, and fhbo-usa does not control their data practices. We encourage you to review them:

  • Google — policies.google.com/privacy
  • LinkedIn — linkedin.com/legal/privacy-policy
  • HubSpot — legal.hubspot.com/privacy-policy

5. How to Manage & Disable Cookies

You have several options for controlling cookies:

1

Cookie consent banner

When you first visit our site, you can accept or decline optional cookie categories via our consent banner. You can change your preferences at any time by clearing your browser cookies and revisiting the site.

2

Browser settings

All major browsers (Chrome, Firefox, Safari, Edge) allow you to view, block, or delete cookies in their privacy/settings menus. Note: blocking strictly necessary cookies will impair portal functionality.

3

Opt-out tools

Use Google Analytics Opt-out Browser Add-on, LinkedIn opt-out at linkedin.com/psettings/, or the Digital Advertising Alliance tool at optout.aboutads.info.

6. Your Consent

By clicking "Accept All Cookies" on our consent banner, you consent to the use of all cookie categories described above. Strictly necessary cookies do not require consent as they are essential to the operation of our services. Where required by applicable law (including CCPA and applicable U.S. state privacy statutes), we will obtain your explicit consent before placing optional cookies.

7. Changes to This Policy

We may update this Cookie Policy to reflect changes in technology, regulation, or our services. Material changes will be posted on this page with an updated effective date, and we will notify you via the consent banner or, if you are a registered portal user, by email. Continued use of our site after the effective date constitutes acceptance of the updated policy.

Questions About Cookies?

If you have any questions about our use of cookies or this Cookie Policy, please contact our Privacy Team:

Email:  [email protected]

Phone:  +1 (800) 342-7700

Address:  fhbo-usa Inc., 350 Fifth Avenue, Suite 4100, New York, NY 10118

This Cookie Policy should be read together with our Privacy Policy and Terms of Service. © 2026 fhbo-usa Inc. All rights reserved.

fhbo-usa

Seamless Financial API Integration for the Modern U.S. Market. Connecting institutions, lenders, and fintechs with compliant, reliable infrastructure.

fhbo-usa · United States

Legal & Compliance

fhbo-usa operates in compliance with U.S. federal financial regulations, including applicable provisions under the Bank Secrecy Act and relevant CFPB guidelines.

© 2026 fhbo-usa. All rights reserved.

Secure · Compliant · U.S. Market Ready