Cookies + tracking policy
Last reviewed: 2026-05-07 · Operator: Evolve Group Limited (FSP711891).
What this page covers
This page lists the cookies and tracking technologies used on SMELoans.co.nz, explains what each does, and tells you how to opt in or out. It is a companion to the main Privacy Policy.
Consent + Consent Mode v2
SMELoans.co.nz operates Google's Consent Mode v2 with default-deny. This means analytics, advertising, and personalisation cookies do not set or read measurement signals until you explicitly accept them via the cookie banner. The functional cookies needed to operate the site (security, layout) load by default.
Your choice is stored in your browser as smeloans_consent (localStorage). Clearing this entry will resurface the consent banner.
Cookies we set
| Name | Provider | Purpose | Retention | Category |
|---|---|---|---|---|
| smeloans_consent | SMELoans (us) | Stores your cookie-banner choice so it doesn't reappear. | Until cleared | Functional |
| _ga | Google Analytics 4 | Distinguishes unique visitors. Only set if you accept analytics. | 2 years | Analytics |
| _ga_* | Google Analytics 4 | Persists session state for our GA4 property (G-EW1YPGWH04). | 2 years | Analytics |
| _gid | Google Analytics 4 | Distinguishes users for a 24-hour window. | 24 hours | Analytics |
| _gcl_au | Google Ads / Floodlight | Conversion-attribution for Google Ads. Only set if you accept advertising. | 90 days | Advertising |
| _dc_gtm_* | Google Tag Manager | Throttles requests to GTM container (GTM-5845JF8G). | 1 minute | Functional |
How to change your choice
- Clear the
smeloans_consententry from your browser's localStorage for this site (DevTools → Application → Local Storage). The banner will reappear on next page load. - Or use your browser's incognito / private mode to start fresh.
- To stop Google Analytics tracking entirely across all sites, install the Google Analytics Opt-out Browser Add-on.
Third-party data sharing
If you accept analytics or advertising cookies, anonymised event data is sent to:
- Google LLC (Google Analytics 4 + Google Ads + Google Tag Manager). Data is processed in Google's global infrastructure. Google's privacy policy.
NZ Privacy Act 2020
Under the Privacy Act 2020 you have the right to access and correct personal information held about you, and to lodge a complaint with the Office of the Privacy Commissioner. See our Privacy Policy for the full statement of how we collect, use, and share personal information, including the contact details of our privacy officer.
Updates to this policy
We update this page when we change tracking technologies. The "Last reviewed" date at the top reflects the most recent material change.