Cookie Policy

Upgraded Points, LLC – Cookies and Ads Notice

Effective Date: February 19, 2026

This Upgraded Points, LLC (“Upgraded Points”) Cookies Policy (“Cookie Policy”) applies to the websites where it is posted and covers any interaction with Upgraded Points where personal information may be collected from you through cookies, pixels, meta pixels, tags, scripts and other tracking tools (collectively referred to herein as “Cookies”), including www.upgradedpoints.com. This Cookie Policy describes our Cookies and ad practices and informs you about the choices you can make regarding non-required Cookies.

This Cookie Policy is intended to supplement our Privacy Policy, which is incorporated herein by reference.  In the event of any inconsistency between this Cookie Policy and the Privacy Policy, the terms of the Privacy Policy will control.

What are Cookies?

As with most websites, we use – and permit certain partners to use – Cookies to better understand how our visitors interact with our site and advertisements. These tools help us identify, collect, and transfer data from our site to the specialized software and service providers we use for analytics, advertising, and performance purposes.  We use various forms of Cookies, including:

• Cookies: A cookie is a small text file that is placed on your electronic device when you visit a company’s website and mobile site. Cookies typically encrypt data about you which can only be read by the company that placed the cookie there. Cookies can streamline your experience (for example, by enabling you to log into a website and mobile site faster, if you’ve visited it before) and can give companies better insights into your behavior on their site, including how long you stay on their site and which pages you visited.
• Pixels: A pixel (also called web beacons or tracking pixels) is a tiny, invisible piece of code embedded on websites. Pixels collect certain pieces of information that can identify site visitors, including information such as a visitor’s IP address, and monitor web traffic and other site visitor behavior.
• Meta Pixels:  Meta Pixels are tracking codes that we embed on our website to leverage Meta’s marketing opportunities. Meta Pixel and similar tracking code allows data regarding website visitors’ behavior to be shared with third parties. For example, if you clicked on a video on our website, Meta Pixel can share data regarding the fact you clicked on it, what the video was, the URL you visited, and possibly embedded metadata regarding the webpage.
• Tags and Scripts: Tags are snippets of code that allow third‑party services (e.g., analytics or advertising partners) to collect data. Scripts trigger actions such as loading cookies or recording events.
• Other Tracking Technologies:  We may use other tracking technologies including without limitation clickstream capture, web beacons, web collection forms and other similar technologies.  We may also use session replay tools that allow our site operators and partners to gather user experience research to show how sites are being used, and what improvements should be made to the sites and users’ experiences on them.  They basically record or recreate a user’s journey through a site.  These tools are designed and implemented so that they either do not collect or instead mask Personal Information of users.

What Types of Cookies Do We Use? 

The list below provides the following information about types of Cookies, along with their purposes, used on the Upgraded Points websites:

• Required Cookies:  Required Cookies are Cookies that we deem as strictly necessary and essential for the operation, functionality, and security of our websites These Cookies and are always set to “Active”. They enable core site functionality—such as setting your privacy preferences, enabling page navigation, or processing forms and other essential components of our site to function properly.  These Cookies also include certain tracking identifiers that allow us to recognize when a user clicks on partner links and that allow us to count visits and traffic sources so we can measure and improve the performance of our websites.  Because our business model involves receiving compensation from partners when users click through to apply for certain financial products, these tracking Cookies are necessary to deliver our Services, measure referral activity, and maintain the functionality and sustainability of our website.  It also includes server cookies (sometimes called “server‑side cookies” or “server‑generated cookies”) which are stored on our servers rather than in your browser. They help maintain secure and consistent session information—such as ensuring that the website can recognize your request as coming from the same user across multiple interactions. This improves stability, prevents fraud, and ensures that key features of the website work reliably. They help us understand which pages are most and least popular, how visitors navigate the site, and identify potential issues. These Cookies also track certain user actions, such as clicks, to give us a clearer picture of how the site is being used. If you do not allow these Cookies, we will not be able to recognize when you visit our site or accurately monitor its performance.
• Functional Cookies:  Functional Cookies enable our websites to provide enhanced features, improved performance, and personalized user experiences. This category includes Cookies that support functionality—such as remembering user preferences—as well as Cookies that allow us to understand how visitors interact with our site. These Cookies help us count visits, identify traffic sources, determine which pages are most and least popular, and observe how users navigate through our websites. Functional Cookies may be set directly by us or by third‑party providers whose services we integrate into our pages. If you choose to disable these Cookies, some or all of these enhanced features and services may not operate as intended. Please note that if you have voluntarily subscribed to our newsletters, our emails may include Functional Cookies to measure your engagement. In those cases, these Cookies may allow us to associate certain site activity with the email address you provided.
• Advertising Cookies:  These Cookies may be set through our websites by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant advertisements on other sites. These Cookies are based on uniquely identifying your browser and internet device. If you choose to block these cookies, you will limit targeted advertising from us. This category also includes Cookies that support social media functionalities, such as sharing buttons, embedded content (including posts or videos), and login integrations. Social media platforms may collect information about your visit and online activity—even if you do not interact directly with these features.

How does Upgraded Points use Cookies?

We use Cookies for several purposes related to operating, improving, and personalizing our services and website offerings. Some of these purposes are essential to provide the services you request, while others require your consent where applicable under applicable law. For more information on how we process personal information, your rights, and how to exercise them, please reference our Privacy Policy.

Depending on the category of Cookies, we may use these technologies to

• Recognize new or past visitors and maintain session continuity.
• Understand how you arrived at our websites, including whether you came from an advertisement, search engine, partner site or referral link.
• Remember your preferences and settings to provide a more tailored experience.
• Assess performance and improve our websites and its features and content.
• Serve you with interest-based or cross-context behavioral advertising, including showing ads that are more relevant to your interests.
• Track when you click on links to our advertising or financial‑product partners, which allows us to receive compensation for eligible referrals.
• Observe your behaviors and browsing activities over time across multiple websites or other platforms, where permitted by law and subject to your preferences.
• Better understand the interests of our customers and our website visitors so we can improve our Services and communications.
• Identify, diagnose and resolve technology problems and maintain site reliability.
• Improve security, protect against security threats, and prevent and detect fraudulent or unauthorized activity.

To learn more about how we may use the information that we collect and to whom we may share it, please see our Privacy Policy.

What Types of Information Do We Collect Through Cookies.

Depending on the Cookie category, we may collect information such as your IP address, browser type/version, device type, operating system, referring URLs, pages visited and search queries, time on page, clickstream data, advertising identifiers and user preferences.

For more information on the types of personal information we collect from you through the use of Cookies, please refer to the section entitled “Information We Collect From You Automatically” in the Privacy Policy. 

How We Use Third‑Party Cookies?

We work with certain third‑party service providers, advertising partners, analytics partners, and functionality providers (“Partners”) who may use Cookies on our websites. These Partners assist us with services such as analytics, advertising, performance measurement, and enhanced website functionality. Depending on their role and the applicable law, these Partners may act as our service providers, data processors, contractors, or independent controllers.

These third parties may collect information directly through Cookies placed on our websites, and they may use such information for purposes that include measuring performance, delivering advertisements, providing social media features, or supporting technical functionality, subject to the disclosures in their own privacy policies. Where required by law, we obtain your consent before allowing non‑essential Cookies placed by such partners.

Please note that the use of Cookies by these partners is separate from your interactions with any third‑party websites, software, applications, or Third‑Party Products (as defined in our Privacy Policy) that you may access by clicking links on our websites. When you leave our websites or choose to apply for or participate in a Third‑Party Product, the third party’s own privacy and cookie practices apply. We do not control how those external third parties collect, use, or share your information outside of the limited referral data described in our Privacy Policy.

To learn more about how we may use the information that we collect and to whom we may share it, please see our Privacy Policy.

How Can You Control Cookies?

You have several options for managing how Cookies are used on our website. These tools allow you to adjust your preferences for non‑essential Cookies, limit certain types of tracking, or block Cookies entirely. Please note, however, that restricting Cookies may affect your browsing experience, and some website features may not function properly. Additionally, blocking or deleting Cookies will not stop all forms of tracking, especially those that do not rely on Cookies.

Opt-out of the Use of Non-Essential Cookies Through Tools Provided by Upgraded Points. You can manage the use of non-essential Cookies by using the tools we make available on

our website, including:

• Cookie Banner. When you first visit our websites, you can select your Cookie preferences directly from the Cookie Banner displayed at the bottom of the page.
• Click for Cookie Preferences. You may update your Cookies preferences at any time by clicking the “Click for Cookie Preferences” link on our website;
• Opt-Out of Sale/Sharing. To opt out of the sale and sharing of your personal information – which includes opting out of advertising Cookies – you may select the “Do Not Sell or Sale My Personal Information”   link on our website and submit such request.

Please note that Cookie choices made through the Cookie Banner or Cookie Preferences tool are applied only to the device, browser, and website version you are using at that time. If you access our website from a different browser or device, or if you clear your browser’s Cookies, cache, or stored data, you will need to set your preferences again. Clearing Cookies may remove your prior opt‑out selections.

Disabling Cookies via Browser Controls.

Most browsers are initially set up to accept cookies by default. Your browser may give you the ability to control cookies and other tracking tools, depending on the tool type. If you prefer not to store cookies, you can choose to do the following, but note that some features of Upgraded Points websites may not work if you do not accept cookies and may not work on flash cookies:

• Not use our websites,
• Set your browser settings to notify you when you receive a cookie,
• Set your browser to refuse to accept cookies,
• Delete our cookies after visiting our websites, and
• Browse our websites using your browser’s anonymous usage setting (called “Incognito” in Chrome, “InPrivate” for Edge, “Private Browsing” in Firefox and Safari, etc.)

Any options you select are browser and device-specific.

Opt-Out through Global Privacy Control (GPC) and Do Not Track Signals.

Some browsers and extensions can send automated privacy signals; the two most common are global opt-out preferences signals  like Global Privacy Control (GPC) and Do Not Track (DNT) signals. 

GPC is a browser‑ or extension‑based signal that communicates your preference to opt out of the sale or sharing of personal information, including for cross‑context behavioral advertising. Some state laws require businesses to detect and honor GPC signals as a valid opt‑out request from the sale or sharing of their personal information for the browser or device that sends the signal. If you are a resident of state whose privacy laws require businesses to recognize opt-out preferences signals, we may treat it as a request to opt out of use of Cookies that assist us in cross‑context behavioral advertising.

DNT is an older browser setting that signals a preference not to be tracked across websites. These features are not all uniform.  We may not currently respond to those signals unless required under applicable law.  

Opt-Out of Receiving Personal Advertisements Through the DAA and NAI

Some advertising networks we may use for these purposes may be members of the Digital Advertising Alliance (“DAA”) or the Network Advertising Initiative (“NAI”). Please visit the websites below to learn more about interest-based advertising and to opt out of receiving personalized advertising or content from participating third-party advertising companies:

Digital Advertising Alliance

Network Advertising Initiative

Please note that if you opt out, you may still receive online advertising from us, but it will not be tailored to your interests based on online behavioral information about you. To successfully opt out, you must have cookies enabled in your web browser (see your browser’s instructions for information on cookies and how to enable them). Your opt-out only applies to the web browser you use, so you must opt out of each web browser on each computer you use. Once you opt-out, if you delete your browser’s saved cookies, you will need to opt out again. Options you select are browser and device-specific.

Please note that even after opting out in one of the methods above, you may still see advertisements from us. This may occur because not all advertising relies on Cookies or personal information. For example:

• You may see contextual ads based on the content of the webpage you are visiting.
• You may see ads displayed on third‑party websites that show the same ads to all visitors regardless of personalization.

You may also request that we stop processing your personal information for purposes of targeted advertising or for sale/sharing with third parties by contacting us directly.

Do We Update this Cookies Policy?

We may update this Cookies Policy from time to time to reflect changes to our practices, technologies, legal requirements, or for other operational reasons. When we make material changes, we will post the updated Cookies Policy and revise the “Effective Date.” Your continued use of our website after an update constitutes acceptance of the changes.

How to Contact Us

If you have questions, comments, concerns or feedback regarding this Cookies Policy, please contact us at mail@upgradedpoints.com.