Legal
Cookie Policy
This Cookie Policy explains how gregaftayev.com uses cookies and similar tracking technologies, what information is collected, and how you can manage your preferences. We are committed to transparency about the technologies that operate on this website.
What Are Cookies?
Cookies are small text files that a website places on your device (computer, tablet, or mobile phone) when you visit. They are widely used to make websites work more efficiently, to remember your preferences, and to provide website operators with information about how the site is being used.
Cookies are not executable programs and cannot carry viruses or install malware on your device. They contain only the information that your browser sends to them - most often a unique identifier, the website address, and some dates and numbers.
In addition to cookies, websites may use similar technologies such as web beacons, pixel tags, local storage objects, and session storage. This Policy covers all such technologies collectively referred to as “cookies.”
First-Party vs. Third-Party Cookies
First-Party Cookies
Set directly by gregaftayev.com. Used for essential site functionality such as security tokens, session management, and remembering your preferences during your visit.
Third-Party Cookies
Set by external services integrated into this website, such as scheduling tools, newsletter services, and analytics platforms. These are governed by those third parties’ own privacy and cookie policies.
This Is an Informational Website
Categories of Cookies We Use
We use four categories of cookies. Each category serves a distinct purpose. The table in the following section lists the specific cookies and services associated with each category.
Essential cookies are strictly necessary for this website to function. They enable core features such as page navigation, form security tokens, and session continuity. Without these cookies, the website cannot operate properly. Because they are necessary, these cookies cannot be disabled through our cookie controls - you can only block them through your browser settings, which may affect how the website functions.
Examples: CSRF tokens, session identifiers, security cookies
Functional cookies allow the website to remember choices you have made and provide enhanced, more personalized features. They may be set by us or by third-party providers whose services we have added to our pages - for example, a scheduling tool that remembers your timezone or a form that retains partially entered information.
Examples: Timezone preference, scheduling tool state, form session data
Analytics cookies help us understand how visitors interact with this website by collecting and reporting information anonymously or pseudonymously. This helps us identify which pages are most useful, how visitors navigate the site, and where we can make improvements. We use this information in aggregate form only - we do not use analytics data to identify or profile individual visitors.
Examples: Page views, session duration, traffic source, device type
Marketing cookies may be set through our website by third-party services, such as social media platforms (Facebook, LinkedIn) when their share or follow buttons are embedded on a page. These cookies track your visit to our website and may be used by those companies to build a profile of your interests. We do not currently run paid retargeting or programmatic advertising campaigns. Where marketing cookies are present, they are associated with social media embeds or buttons only.
Examples: Social media interaction tracking (LinkedIn, Facebook)
Specific Cookies and Technologies Used
The table below lists the cookies and tracking technologies currently in use on gregaftayev.com, organized by provider. Cookie names and durations may change as third-party services update their implementations. We review and update this table periodically.
Site Infrastructure and Hosting
Scheduling and Booking Tools
Newsletter and Email Communications
Analytics
Social Media Embeds and Buttons
Cookie List Accuracy
Third-Party Cookie Providers
Some cookies on this website are set and controlled by third-party services that we integrate to provide scheduling, newsletter, and analytics functionality. We do not control these third parties’ cookie practices. We encourage you to review their privacy and cookie policies directly.
Microsoft Bookings
Consultation scheduling calendar
Brevo (Sendinblue)
Newsletter signup and email communications
Google Analytics
Website usage statistics and traffic analysis
Social media share buttons (if present)
Facebook / Meta
Social media share buttons (if present)
Vercel
Website hosting and infrastructure
Cookie Duration
Cookies remain on your device for different lengths of time depending on their purpose. We use two types of cookies based on duration:
Session Cookies
Temporary
Session cookies exist only for the duration of your browser session. They are automatically deleted when you close your browser. These are typically used for essential site functionality like form security tokens and temporary session state.
Persistent Cookies
Long-Term
Persistent cookies remain on your device after you close your browser, for a set period (e.g., 24 hours, 13 months, 2 years). They are used for analytics, newsletter services, and functional preferences. You can delete them at any time through your browser settings.
Managing and Controlling Cookies
You have several options for controlling or limiting the use of cookies on your device. Please note that blocking or deleting certain cookies may affect the functionality of this website and your ability to use features such as the consultation scheduling tool or newsletter signup form.
Browser Cookie Settings
All major browsers allow you to control cookies through their settings. You can typically set your browser to refuse all cookies, accept all cookies, or notify you when a cookie is being set. The steps to manage cookies vary by browser:
Opt Out of Google Analytics
If you wish to prevent Google Analytics from collecting data about your use of this website, you can install the Google Analytics Opt-Out Browser Add-On, which is available for most desktop browsers. Alternatively, you can block analytics cookies through your browser’s cookie settings.
Opt Out of Advertising Cookies
For interest-based advertising opt-outs across participating companies, you may use the following industry opt-out tools:
Impact of Blocking Cookies
Do Not Track Signals
Some web browsers include a “Do Not Track” (DNT) feature that sends a signal to websites you visit indicating that you do not want to be tracked. Currently, there is no uniform industry standard for how websites should respond to DNT signals, and we do not currently alter our data collection practices in response to DNT signals from your browser.
If a universal DNT standard is established and adopted, we will revisit this position and update this policy accordingly. In the meantime, you can use the browser cookie settings and opt-out tools described in the section above to limit cookie-based tracking.
Cookies and Children
This website is not directed at children under the age of 13. We do not knowingly collect information from children under 13 through cookies or any other means. If you believe that a child under 13 has submitted personal information through this website or that cookies have been set in connection with such a submission, please contact us immediately at greg@hfmloans.com and we will take appropriate steps to remove that information.
Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in the technologies we use, updates to third-party services, changes in applicable law, or improvements to our transparency practices. When we make changes, we will update the Effective Date at the top of this page.
We encourage you to review this Cookie Policy periodically. Your continued use of this website after any update to this policy constitutes your acknowledgment of the revised policy. If we make material changes to how we use cookies, we may provide additional notice through the website.
Contact Us About Cookies
If you have questions about this Cookie Policy, want to report a concern about a specific cookie, or would like to exercise any of your privacy rights in connection with data collected through cookies, please reach out using the information below.
Greg Aftayev
Homestead Financial Mortgage · NMLS #230559
Endeavor Capital, LLC · NMLS #222524
14897 Clayton Road, Chesterfield, MO 63017
Privacy Policy
How we handle your information
Terms of Use
Rules governing use of this site
Licensing & Disclosures
State licensing and compliance
This Cookie Policy governs the use of cookies and similar tracking technologies on gregaftayev.com only. It does not constitute a mortgage loan agreement, disclosure, or commitment of any kind. Greg Aftayev, NMLS #230559. Homestead Financial Mortgage, Endeavor Capital, LLC, NMLS #222524. Equal Housing Lender.