Cookie Policy

1. What Are Cookies?

Cookies are small text files or similar technologies that may be stored on or accessed from your computer, smartphone, tablet, or other device when you visit a website.

Cookies allow websites to recognize a device, remember preferences, maintain functionality, analyze usage, and support certain marketing and advertising activities.

We may also use technologies that perform functions similar to cookies, including:

• Web beacons;
• Pixels;
• Tags;
• Tracking scripts;
• Device identifiers;
• Local storage technologies; and
• Similar technologies.

For purposes of this Policy, we refer to these technologies collectively as "Cookies and Similar Technologies."

2. How We Use Cookies

Harbor Group USA may use Cookies and Similar Technologies for legitimate business, operational, security, analytical, and marketing purposes. Depending on how you use our website, we may use them to:

• Operate and maintain the website;
• Remember user preferences;
• Maintain website functionality;
• Understand how visitors use the website;
• Analyze website traffic and performance;
• Improve website functionality and user experience;
• Maintain security and detect fraudulent or unauthorized activity;
• Measure advertising and marketing performance;
• Understand the effectiveness of marketing campaigns;
• Support lead-generation activities;
• Personalize website content where permitted;
• Support communications and customer-service functions;
• Attribute website visits or leads to marketing campaigns; and
• Comply with applicable legal and regulatory requirements.

3. Categories of Cookies

Cookies used on our website may generally fall into the following categories.

4. Third-Party Cookies

Some Cookies and Similar Technologies may be placed or operated by third parties. Third parties may include:

• Analytics providers;
• Advertising providers;
• Marketing platforms;
• Customer relationship management platforms;
• Lead-generation providers;
• Social media platforms;
• Security providers;
• Website hosting or technology providers; and
• Other service providers.

These third parties may collect information about your interaction with our website in accordance with their own privacy policies and applicable legal requirements. Harbor Group USA does not necessarily control the technologies operated directly by third parties.

5. Information Collected Through Cookies

Depending on the technology used, Cookies and Similar Technologies may collect information such as:

• IP address;
• Browser type;
• Device type;
• Operating system;
• General geographic information;
• Pages visited;
• Referring website;
• Date and time of visits;
• Website interactions;
• Clicks;
• Session information;
• Advertising identifiers;
• Campaign information; and
• Other technical or usage information.

Cookies do not necessarily identify you by name. However, information collected through Cookies may potentially be associated with other information that identifies or relates to you.

Our use of such information is governed by our Privacy Policy and applicable law.

6. Cookie Preferences and Consent

Where required by applicable law, Harbor Group USA may provide users with a cookie-management or consent mechanism through which certain categories of Cookies can be accepted, rejected, or managed. Your choices may vary depending on:

• Your location;
• Applicable law;
• The type of Cookie;
• The purpose of the technology; and
• The functionality involved.

Strictly necessary Cookies may continue to operate because they are required for essential website functionality or security.

7. Managing Cookies Through Your Browser

Most web browsers allow you to control or delete Cookies through browser settings. You may be able to:

• Block Cookies;
• Delete existing Cookies;
• Receive notifications when Cookies are placed; or
• Restrict certain types of Cookies.

If you disable or delete Cookies, certain website features may not operate properly. Browser-based Cookie controls vary by browser and device.

8. Do Not Track Signals

Some browsers and devices provide "Do Not Track" or similar settings.

Because there is currently no universally consistent technical or legal standard governing all Do Not Track signals, Harbor Group USA may not respond to every such signal in the same manner. Where applicable law requires a specific response to a recognized browser or device privacy signal, Harbor Group USA will process the signal in accordance with applicable requirements.

9. Global Privacy Control and Similar Signals

Where applicable law requires recognition of a legally recognized universal opt-out or privacy preference signal, Harbor Group USA will process such signals in accordance with applicable requirements.

The availability and functionality of such signals may depend on your browser, device, geographic location, and applicable law.

10. Cookies and Personal Information

Information collected through Cookies may constitute personal information or personal data under certain laws. Where applicable, Harbor Group USA will handle such information in accordance with our Privacy Policy and applicable federal and state privacy requirements.

Our Privacy Policy provides additional information regarding:

• Information collection;
• Use of personal information;
• Disclosure;
• Data retention;
• Security;
• Privacy rights; and
• How to contact us regarding privacy matters.

11. Cookies Used for Security

Harbor Group USA may use Cookies and Similar Technologies to help:

• Detect suspicious activity;
• Prevent fraud;
• Protect accounts and forms;
• Maintain website security;
• Identify automated abuse; and
• Protect the integrity of our systems.

Certain security-related technologies may be necessary for the safe operation of the website.

12. Changes to Cookies

The Cookies and Similar Technologies used on our website may change over time. We may add, remove, replace, or modify technologies based on:

• Changes to our website;
• Changes to our technology providers;
• Analytics requirements;
• Marketing requirements;
• Security requirements;
• Business operations; or
• Changes in applicable law.

Accordingly, the specific Cookies or technologies used at any particular time may differ from those previously used.

13. Changes to This Cookie Policy

Harbor Group USA may update this Cookie Policy from time to time to reflect changes in our practices, technologies, services, legal requirements, or regulatory obligations.

The revised Policy will be posted on this website with an updated "Last Updated" date. Where required by applicable law, we may provide additional notice or obtain additional consent.

14. No Guarantee of Third-Party Technologies

Harbor Group USA does not guarantee the availability, accuracy, security, or functionality of third-party Cookies or Similar Technologies.

Third-party providers may independently modify their technologies, practices, or policies. Users should review the privacy and cookie policies of relevant third-party providers where appropriate.

15. Contact Us

If you have questions regarding this Cookie Policy or our use of Cookies and Similar Technologies, please contact: