Cookie Policy
How Mally Financial Services utilizes cookies and tracking technologies, honoring HHS OCR privacy mandates and consumer preferences.
Mally Financial Services ("Mally Financial Services," "we," "us," or "our") uses cookies and similar tracking technologies on our website to help provide a secure, reliable, and user-friendly experience.
This Cookie Policy explains what cookies are, how we use them, the types of cookies and tracking technologies we may use, and the choices available to you. This policy should be read together with our Privacy Policy and Terms and Conditions.
1. What Are Cookies?
Cookies are small text files that websites place on your computer, smartphone, tablet, or other internet-connected device when you visit a website.
Cookies allow a website to recognize your browser, remember certain information, maintain website functionality, understand how visitors use the website, and improve the overall user experience.
We may also use similar technologies, including web beacons, pixels, tags, scripts, local storage, and other tracking technologies. For purposes of this Cookie Policy, we refer to these technologies collectively as "cookies."
2. How We Use Cookies
Mally Financial Services may use cookies and similar technologies for several legitimate operational purposes, including:
- Operating and maintaining our website infrastructure securely.
- Keeping website features, navigation, and consultation forms functioning properly.
- Improving website performance, stability, and cyber defenses.
- Remembering cookie consent preferences and user interface settings.
- Understanding how visitors interact with our informational guides.
- Measuring website traffic and aggregated engagement metrics.
- Identifying technical errors and diagnosing server latency.
- Supporting direct communications and customer service requests.
- Protecting our website against spam, automated abuse, and fraud.
3. Types of Cookies We May Use
A. Strictly Necessary Cookies
These cookies are essential for the website to operate properly. They support critical functions such as page navigation, security verification, session management, and CSRF protection on forms. Because these cookies are strictly necessary, they cannot be disabled through our consent banner.
B. Functional Cookies
Functional cookies allow the website to remember choices you make (such as saved preferences or layout configurations) to provide enhanced personalization and ease of navigation.
C. Analytics and Performance Cookies
Analytics cookies help us understand how visitors use our website by gathering aggregated, de-identified metrics on page views, dwell time, and bounce rates to optimize educational content.
D. Advertising and Marketing Technologies
Where permitted by applicable law, marketing technologies measure the reach of educational briefs and public announcements. We do not use advertising cookies to collect or disclose sensitive health information.
E. Security and Fraud Prevention Technologies
We employ automated security tokens and cryptographic scripts (e.g., reCAPTCHA) to protect consultation request forms from malicious bot submissions and unauthorized credential abuse.
4. Third-Party Cookies
Some tracking technologies may be placed by third-party service providers who assist Mally Financial Services in website analytics, cybersecurity, and communications infrastructure.
Where third-party tracking technologies may touch information subject to health privacy laws, Mally Financial Services mandates strict compliance standards. For organizations subject to HIPAA, HHS guidance requires that tracking technologies collecting Protected Health Information operate under compliant Business Associate Agreements.
5. Cookies and Health Information (HHS OCR Compliance)
Zero Unvetted Tracking Pixels on Health Funnels
In strict compliance with Department of Health and Human Services (HHS) Office for Civil Rights (OCR) guidance, Mally Financial Services does not deploy third-party advertising pixels, commercial retargeting tags, or unvetted analytics trackers on web pages, quote forms, or consultation intake funnels where users submit health or insurance application data.
6. How Long Cookies Remain on Your Device
Cookies may be either session cookies or persistent cookies:
- Session cookies: Temporary cookies that expire automatically when you close your web browser.
- Persistent cookies: Remain on your device for a designated validity period or until you manually clear your browser cache.
7. Your Cookie Choices & Browser Controls
You maintain full control over cookie deployment:
- You can accept or decline non-essential cookies via our on-site Cookie Consent Banner at any time.
- You can configure browser settings to block all cookies, reject third-party cookies, or clear stored cookies upon exit.
- Please note that disabling strictly necessary cookies may impede the proper functioning of secure forms or advisory calculators.
8. Privacy Signals (GPC & Do Not Track)
Mally Financial Services honors recognized universal opt-out signals, including the Global Privacy Control (GPC), in accordance with applicable state privacy statutes. Where a valid GPC signal is detected, non-essential analytical and advertising trackers are automatically suppressed.
9. Policy Updates & Contact Information
We may update this Cookie Policy periodically to reflect technological or regulatory advancements. Revisions will be posted with an updated Effective Date.
For inquiries regarding cookie practices, reach our compliance team at chris@mallyfinancial.com or by phone at (631) 928-4496.
Mally Financial Services — Compliance & Privacy Office
Attn: Privacy Officer / Chris Mally • Independent Insurance Agency
Stony Brook, NY 11790