Cookie Policy
Which cookies this site sets, which ones advertising partners may set, and how to turn them off.
This page lists the cookies and similar technologies used on FBAR Reference, explains what each category does, and shows you how to control them. It supplements our Privacy Policy.
1. What cookies are
A cookie is a small text file that a website asks your browser to store. On each later request, the browser sends it back, which lets the site or a third party recognise the browser and remember information between pages or visits. Related technologies — local storage, pixels (tiny invisible images used to record that something loaded) and device or browser identifiers — do similar jobs and are covered by this policy.
Cookies fall into two useful distinctions:
- First-party cookies are set by the site you are visiting. Third-party cookies are set by another organisation whose content — typically an advertisement — appears on the page.
- Session cookies are deleted when you close the browser. Persistent cookies remain for a defined period.
2. Categories used on this site
2.1 Strictly necessary
These make the site work and cannot be switched off. They do not track you across other websites.
| Name | Type | Purpose | Duration |
|---|---|---|---|
fbarref.consent.v1 |
First-party local storage | Records whether you accepted all cookies or chose essential cookies only, so the notice is not shown again on every page. Stays on your device and is not sent to us. | Until you clear your browser data or change your choice |
| Hosting and security | First-party, set by our hosting provider | Load balancing, protection against abuse and denial-of-service traffic, and correct delivery of pages. These are technical and contain no profile of you. | Session, or a short defined period |
2.2 Advertising and measurement
Set only if you choose “Accept all cookies”. This site is funded by advertising, and where advertisements are served by third-party networks those networks may set cookies of their own.
| Set by | Purpose | Typical duration |
|---|---|---|
| Advertising networks and exchanges, which may include Google | Selecting and delivering advertisements; limiting how often you see the same advertisement; measuring whether an advertisement was viewed or clicked; detecting invalid traffic and fraud; and, where personalisation is enabled, selecting advertisements based on your prior visits to this and other websites. | From a single session up to around two years, depending on the vendor |
| Analytics provider, if enabled | Aggregate measurement of pages viewed, navigation paths and approximate location at country or city level, so that we can see which guides are useful and where readers get stuck. | Typically up to two years |
These vendors act as independent controllers of the data they collect through their own technology. We do not receive their cookie data, and we cannot delete cookies they have set — you control those through the opt-outs in section 4 and through your browser.
Why the third-party names are generic
Advertising is delivered through networks whose participating vendors change over time. Rather than publish a list that would be inaccurate within weeks, we describe what the cookies do and give you both a site-level control and the industry opt-outs. If you want to know precisely which vendors set cookies during your visit, your browser’s developer tools will show you the current list, and the industry opt-out pages in section 4 enumerate participating companies.
3. Your choice on this site
When you first visit, a notice asks you to choose between:
- Accept all cookies — strictly necessary, advertising and measurement, and analytics.
- Essential cookies only — strictly necessary storage alone. You will still see advertisements, but they should not be personalised using cookie-based profiles.
Your choice is stored on your own device. To change it:
Your stored preference has been cleared and the cookie notice has been reopened so you can choose again.
We also honour the Global Privacy Control signal where your browser or an extension sends one, treating it as a choice to decline advertising cookies.
4. Industry and vendor opt-outs
These operate independently of this site and cover many companies at once:
- Google Ads Settings — turn off personalised advertising by Google.
- optout.aboutads.info and youradchoices.com — Digital Advertising Alliance (United States).
- optout.networkadvertising.org — Network Advertising Initiative.
- youronlinechoices.eu — European Interactive Digital Advertising Alliance.
Note that these opt-outs are themselves generally recorded in a cookie. Clearing your cookies removes the opt-out, and you will need to set it again.
5. Controlling cookies in your browser
Every major browser lets you block or delete cookies, block third-party cookies specifically, and clear site data. The relevant settings are usually found under Privacy, Security or Site settings:
- Chrome — Settings › Privacy and security › Third-party cookies.
- Safari — Settings › Privacy, including Prevent cross-site tracking.
- Firefox — Settings › Privacy & Security › Enhanced Tracking Protection.
- Edge — Settings › Cookies and site permissions.
- Mobile browsers — equivalent options in the app’s own settings.
Private or incognito browsing discards cookies when the window closes, which also means our site will not remember your cookie choice between sessions.
What happens if you block everything
This site is static and has no login, so blocking all cookies and local storage will not break it. The one visible consequence is that your cookie choice cannot be remembered, so the notice will appear on each visit.
6. Do Not Track
There is no agreed industry standard for responding to browser “Do Not Track” headers, and we do not claim to act on them. We do respond to the Global Privacy Control signal, which does have an agreed specification, and we honour the choice you make in our own cookie notice.
7. Changes to this policy
We will update this page when the cookies or technologies used on the site change. The review date at the top shows when it was last checked.
8. Questions
Write to privacy@bsaefiling.firicen.com, or to St Fin Corp, 23330 Mill Creek Dr Ste 250, Laguna Hills, California 92653-7917, United States. See also our Privacy Policy.
Note. Cookie durations and vendor behaviour are set by the third parties concerned and may change without notice to us. This page describes the position as at 26 September 2026 and is not a warranty about third-party conduct.