Cookie Policy

Effective Date: April 30, 2026  |  Last Updated: April 30, 2026

What This Policy Covers

This Cookie Policy explains how Marcus Naulin ("we," "us," or "our") uses cookies, pixels, web beacons, local-storage objects, software-development kits, server logs, fingerprinting techniques, and similar technologies (collectively, "Cookies") on the Site at https://marcusnaulin.com. It supplements our Privacy Policy and is published in compliance with the GDPR ePrivacy regime, the California Consumer Privacy Act / California Privacy Rights Act, the Federal Trade Commission Act, and other applicable laws.

What Are Cookies

Cookies are small text files placed on your browser or device when you visit a website. Pixels and web beacons are tiny image files that collect information when you load a page or open an email. Local-storage objects (HTML5 storage, IndexedDB, Flash LSOs) operate similarly to cookies but persist beyond browsing sessions. Software-development kits ("SDKs") are pieces of software embedded in mobile apps that perform similar functions. Together, these technologies allow operators to recognize your browser or device, remember your preferences, analyze traffic, and serve relevant advertising.

Categories of Cookies We Use

Category Purpose Examples Duration
Strictly Necessary Authentication, security, load balancing, fraud prevention. Cannot be disabled. Session ID, CSRF token, consent record. Session to 12 months
Functional Remember your preferences and improve your experience. Language, region, accessibility settings. Up to 12 months
Analytics & Performance Help us understand how visitors interact with the Site. Google Analytics 4, Microsoft Clarity, server logs. Up to 26 months
Advertising & Targeting Deliver advertising more relevant to you, measure ad effectiveness, and limit frequency. Google Ads, Meta Pixel, LinkedIn Insight Tag. Up to 13 months
Social Media Allow you to share content and integrate third-party widgets. Facebook, X, LinkedIn share buttons. Up to 24 months

First-Party and Third-Party Cookies

First-party Cookies are set by the Site itself. Third-party Cookies are set by service providers we authorize. Third parties have their own privacy and cookie policies and operate under their own terms.

How to Control Cookies

  • Consent banner. When required by law in your jurisdiction, we display a consent banner allowing you to accept or reject categories of Cookies before non-essential Cookies are set.
  • Browser controls. Most browsers allow you to view, manage, and delete Cookies through settings. See aboutcookies.org.
  • Industry opt-out tools. Network Advertising Initiative (optout.networkadvertising.org); Digital Advertising Alliance (optout.aboutads.info); European Interactive Digital Advertising Alliance (youronlinechoices.eu).
  • Mobile devices. Use your operating-system controls to limit ad tracking and reset advertising identifiers.
  • Global Privacy Control. We honor the GPC signal as a request to opt out of sale and sharing under the CCPA/CPRA.
  • Do Not Track. The Site does not respond to legacy Do Not Track signals because no industry consensus exists for their interpretation.

Consequences of Disabling Cookies

If you reject non-essential Cookies, certain features of the Site may not function as intended (e.g., personalization, embedded videos, save-form-progress). Strictly Necessary Cookies are required for the Site to operate.

International Considerations

For visitors in the European Economic Area, the United Kingdom, and Switzerland, our lawful basis for setting Strictly Necessary Cookies is Article 6(1)(f) of the GDPR (legitimate interests). For all other categories, our lawful basis is your explicit consent under Article 6(1)(a). You may withdraw consent at any time by clicking the "Cookie Preferences" link in the Site footer.

Updates

We may update this Cookie Policy from time to time to reflect new technologies, regulatory changes, or business practices. Material updates will be communicated through a Site notice.

Contact Us

Marcus Naulin — Mortgage Planner & Real Estate Pro

Direct: (805) 377-5626
NMLS#: 469645  |  DRE#: 01322846
Email: contact@marcusnaulin.com
Website: https://marcusnaulin.com

To exercise privacy rights, request records, opt out of communications, or ask any question about this policy, contact us through any channel above. We respond to written requests within thirty (30) days where feasible, and within statutorily mandated timeframes where shorter periods apply.