Cookies & Advertising

How USC uses cookies, analytics and advertising technologies, including Google AdSense.

Last updated
Effective November 3, 2026Version 1.0All UnitedStatesCredit experiences
Cookies and identifiersUsed for operation, measurement, security and advertising.
AdSense disclosureGoogle and other vendors may use cookies, web beacons and IP addresses.
Sensitive zones protectedAdvertising tags should be suppressed on secure product-flow screens.

1. Why USC uses cookies and similar technologies

Cookies, local storage, pixels, web beacons, IP addresses and similar technologies help USC operate pages, remember preferences, measure traffic, detect fraud and deliver advertising.

2. Technology categories

Necessary and security

Used for core site operation, fraud prevention, load balancing, consent state and security.

Analytics and performance

Used to understand page performance, navigation and aggregate usage.

Advertising

Used to serve, measure and limit advertising and, where permitted, personalize ads.

Preferences

Used to remember nonessential settings selected by the visitor.

3. Google AdSense and third-party advertising

Third-party vendors, including Google, use cookies to serve ads based on a visitor’s prior visits to USC or other websites. Google’s advertising cookies enable Google and its partners to serve ads based on visits to USC and other sites. Third-party vendors may also place or read cookies or use web beacons and IP addresses as a result of ad serving.

Users may opt out of personalized advertising through Google Ads Settings. USC should also identify other ad vendors used in production and provide available opt-out information.

4. Sensitive product-flow boundaries

USC’s production implementation should disable advertising tags and unnecessary behavioral tracking on sensitive product-request pages, including SSN, bank-information, consent, processing and personalized-result screens. USC should not pass personal information that an advertising platform could recognize as personally identifiable information, and should not build personalized-ad audiences from negative financial status or detailed application data.

Advertising belongs on content—not inside sensitive financial steps.Guides and articles may carry ads; secure application and authorization pages should not.

5. Managing choices

Use the site consent controls where available, your browser settings, Google Ads Settings and the USC Privacy Choices page. In regions where Google requires it, USC should use a Google-certified consent-management platform for personalized advertising.