Cookie policy
Last Updated: August 06, 2025
Roots Homes Inc., a Nevada corporation ("Roots," "we," "us," or "our"), uses cookies and similar technologies on our website located at https://rootsassumable.learnworlds.com (the "Site") and in connection with the "Assumable Mortgages 101" online continuing education course (the "Course"). This Cookies Policy explains what cookies are, how we use them, the types of cookies we employ, and how you can manage your cookie preferences. This Policy is part of our Privacy Policy, which provides additional details on our data practices.
By using the Site or Course, you consent to our use of cookies as described in this Policy. If you do not agree, you can adjust your browser settings to disable cookies (see Section 5 below), though this may affect Site functionality.
This Policy complies with applicable U.S. laws, including Nevada Revised Statutes Chapter 603A. We do not knowingly use cookies to collect information from children under 13.
1. What Are Cookies?
Cookies are small text files placed on your device (e.g., computer, smartphone) when you visit a website. They help websites remember your preferences, improve functionality, and gather usage data. Cookies can be "session" (deleted when you close your browser) or "persistent" (remain until expired or deleted).
Similar technologies include web beacons, pixels, and local storage, which we may also use for similar purposes.
2. Information About Us
We use cookies to:
Enable essential Site functions (e.g., login, security).
Analyze Site performance and usage to improve user experience.
Remember your preferences and customize content.
Process payments securely.
Support third-party integrations (e.g., video embedding, chat support).
We do not use cookies for targeted advertising without your consent, and we do not "sell" cookie data as defined under Nevada law (NRS 603A.320 et seq.).
3. How Does Our Site Use Cookies?
We use first-party cookies (set by us) and third-party cookies (set by our service providers). Below are the categories and specific examples based on our Site's configuration (hosted on LearnWorlds). This list may change; we will update this Policy accordingly.
4. What Cookies Does Our Site Use?
- 4.1 The following first-party Cookies may be placed on your computer or device:
| Name of Cookie | Purpose | Strictly Necessary | Expires |
| XSRF-TOKEN | Preserves User Login information and states | Yes | When you close your browser |
| DPSettings | Preserves the user's Cookie policy preferences | Yes | 12 days |
| slim_session | Preserves User Login information and states | Yes | 2.5 days |
| affiliate | Tracks purchases made through affiliate links to ensure proper credit is given to the affiliate partner. | No | Depends on your affiliate cookie settings |
- 4.2 The following strictly necessary third-party Cookies may be placed on your computer or device (remove stripe cookies from the list if you don’t use stripe):
| Name of Cookie | Provider | Purpose | Expires |
| __stripe_sid | checkout.stripe.com | Used to process payments for our website. | 30 minutes |
| __stripe_mid | checkout.stripe.com | Used to distinguish users. | 1 year |
| cid | checkout.stripe.com | Used to process payments for our website. | 3 months |
| vuid | vimeo.com | These cookies are used by Vimeo to collect analytics tracking information. | 3 years |
| player | player.vimeo.com | These cookies are used by Vimeo to collect analytics tracking information. | 1 year |
| cf_clearance | www.cloudflare.com | Used by clouflare to specify the duration that our website is accessible to a visitor that successfully completed a previous Captcha or challenge. | 4 hours |
- 4.3 Our Site uses the following functional Cookies (remove cookies not exploited in your school):
Olark
| Name of Cookie | Provider | Purpose | Expires |
| hblid | rootsassumable.learnworlds.com | a visitor identifier that we use only on your site to remember this visitor between visits | 2 years |
| wcsid | rootsassumable.learnworlds.com | a session identifier that we use only on your site to keep track of a single chat session | When you close your browser |
| olfsk | rootsassumable.learnworlds.com | storage identifier that we use to maintain chat state across pages (e.g. message history) | 2 years |
| _okbk | rootsassumable.learnworlds.com | extra state information (e.g. chat box being open/closed) | When you close your browser |
| _ok | rootsassumable.learnworlds.com | most recent Olark site ID (security measure) | When you close your browser |
| _oklv | rootsassumable.learnworlds.com | the Olark loader version (for improved caching) | When you close your browser |
| _okla | rootsassumable.learnworlds.com | used for caching purposes (loaded from CDN vs. loaded from our infrastructure) | When you close your browser |
| _okgid | rootsassumable.learnworlds.com | used for caching by setting a hash for assets to determine if they have changed and if they need to be refreshed | When you close your browser |
| _okac | rootsassumable.learnworlds.com | used for caching by setting a hash for assets to determine if they have changed and if they need to be refreshed | When you close your browser |
| _okdetect | rootsassumable.learnworlds.com | Used for detecting when storage contexts have changed due to things like ssl or host transitions (helps maintain your chat across pages). | When you close your browser |
| _okck | rootsassumable.learnworlds.com | Used to test whether the visitor's browser allows cookies to be stored. | When you close your browser |
TawkTo
| Name of Cookie | Provider | Purpose | Expires |
| tawk_uuid_ | rootsassumable.learnworlds.com | HTTP cookie | |
| twk_idm_key | rootsassumable.learnworlds.com | Visitor connection management | Session |
| twk_token_ | rootsassumable.learnworlds.com | HTML local storage | |
| tawk_uuid_propertyId | rootsassumable.learnworlds.com | Visitor tracking | 6 months |
| tawkUUID (deprecated) | rootsassumable.learnworlds.com | Visitor tracking | 6 months |
| __tawkuuid (deprecated) | rootsassumable.learnworlds.com | Visitor tracking | 6 months |
| ss (deprecated) | rootsassumable.learnworlds.com | Visitor session management | Session |
| TawkConnectionTime | rootsassumable.learnworlds.com | Manages visitor connection | Session |
| Tawk_xxxxxxx (deprecated) | rootsassumable.learnworlds.com | Visitor preference | 6 months |
Freshchat
| Name of Cookie | Provider | Purpose | Expires |
| pubsub_cookie | rootsassumable.learnworlds.com | This cookie is used for the freshchat service | When you close your browser |
| hop- | rootsassumable.learnworlds.com | This cookie is used for the freshchat service | When you close your browser |
| rootsassumable.learnworlds.com | This cookie is used for the freshchat service | When you close your browser | |
| _ | rootsassumable.learnworlds.com | This cookie is used for the freshchat service | 1 year |
| pnctest | rootsassumable.learnworlds.com | This cookie is used for the freshchat service | 1 year |
Zendesk Web Widget
| Name of Cookie | Provider | Purpose | Expires |
| ZD-zE_oauth | rootsassumable.learnworlds.com | Stores the authentication token once the user has been authenticated. | 2 hours |
| ZD-currentTime | rootsassumable.learnworlds.com | Sets the time when page loads. | Forever |
| ZD-settings | rootsassumable.learnworlds.com | Stores a hash of settings so that we don't keep sending blips after the initial one | Forever |
| ZD-suid | rootsassumable.learnworlds.com | Session id for pathfinder. | 20 minutes |
| ZD-buid | rootsassumable.learnworlds.com | Collects Machine ID. | Forever |
| _answer_bot_service_session | rootsassumable.learnworlds.com | Used to uniquely identify a user session when using Answer Bot Article Recommendations. | When you close your browser |
Intercom
| Name of Cookie | Provider | Purpose | Expires |
| intercom-id-[app_id] | rootsassumable.learnworlds.com | Anonymous visitor identifier cookie. As people visit your site they get this cookie. | 9 months |
| intercom-session-[app_id] | rootsassumable.learnworlds.com | Identifier for each unique browser session. This session cookie is refreshed on each successful logged-in ping, extending it one week from that moment. The user can access their conversations and have data communicated on logged-out pages for 1 week, as long as the session isn’t intentionally terminated with Intercom('shutdown');, which usually happens on logout. |
1 week |
| intercom-device-id-[app_id] | rootsassumable.learnworlds.com | Identifier for each unique device that interacts with the Messenger. It is refreshed on each successful ping, extending it another 9 months. We use this cookie to determine the unique devices interacting with the Intercom Messenger to prevent abuse. |
9 months |
Optinmonster
| Name of Cookie | Provider | Purpose | Expires |
| _omappvp | rootsassumable.learnworlds.com | Anonymous visitor identifier cookie. As people visit your site they get this cookie. | 400 days |
| _omappvs | rootsassumable.learnworlds.com | Identifier for each unique browser session. | 20 minutes |
- 4.4 Our Site uses analytics services provided by your analytics services, if any. Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling us to better understand how Our Site is used. This, in turn, enables us to improve Our Site and the products and services offered through them.
- 4.5 The analytics services used by Our Site use Cookies to gather the required information. You do not have to allow us to use these Cookies, however, whilst our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable us to continually improve Our Site, making it a better and more useful experience for you.
- 4.6 The analytics services used by Our Site uses the following Cookies (remove cookies not exploited in your school):
Google Analytics
| Name of Cookie | Provider | Purpose | Expires |
| _ga | rootsassumable.learnworlds.com | Google Analytics: Registers a unique ID that is used to generate statistical data on how the visitor uses the website. | 2 years |
| _gat | rootsassumable.learnworlds.com | Google Analytics: Used by Google Analytics to throttle the request rate. | When you close your browser |
| _gid | rootsassumable.learnworlds.com | Google Analytics: Registers a unique ID that is used to generate statistical data on how the visitor uses the website. | When you close your browser |
| _ga_container-id | rootsassumable.learnworlds.com | Used to persist session state. | 2 years |
Mixpanel
| Name of Cookie | Provider | Purpose | Expires |
| mp_#_mixpanel | rootsassumable.learnworlds.com | MixPanel: Cookie used by MixPanel for analytics purposes | 1 year |
BDOW
| Name of Cookie | Provider | Purpose | Expires |
| __smToken | rootsassumable.learnworlds.com | The __smToken is set once you login to Sumo and is checked to verify whether you are logged into Sumo or not | 1 year |
| __smSmartbarShown | rootsassumable.learnworlds.com | cookie is set when the Smart Bars are shown on your website | 1 year |
| __smVID | rootsassumable.learnworlds.com | Used to display relevant advertising | 1 month |
| __smSessionId | rootsassumable.learnworlds.com | Used by Sumo to establish a cookie on a users computer to begin a session to enable Sumo products | When you close your browser |
| __smListBuilderShown | rootsassumable.learnworlds.com | cookie is set when the List Builder is shown on your website | 1 year |
| __smScrollBoxShown | rootsassumable.learnworlds.com | cookie is set when the Scroll box is shown on your website | 1 year |
| __smWelcomeMatShown | rootsassumable.learnworlds.com | Cookie is set when the Welcome mat is shown on your website | 1 year |
| __smListBuilderOptOut | rootsassumable.learnworlds.com | Is set when a visitor clicks an "Opt-Out" button on the List Builder | 1 year |
| __smSmartBarOptOut | rootsassumable.learnworlds.com | Is set when a visitor clicks an "Opt-Out" button on Smart bars | 1 year |
| __smScrollBoxOptOut | rootsassumable.learnworlds.com | Is set when a visitor clicks an "Opt-Out" button on Scroll box | 1 year |
| __smWelcomeMatOptOut | rootsassumable.learnworlds.com | Is set when a visitor clicks an "Opt-Out" button on welcome mat | 1 year |
| __smSubscribed | rootsassumable.learnworlds.com | Is set when a visitor subscribes via any of the List Builder, Welcome Mat, Scroll Box or Smart Bars they are shown on your website | 1 year |
Hotjarcl
| Name of Cookie | Provider | Purpose | Expires |
| _hjSessionUser_ | rootsassumable.learnworlds.com | Anonymous visitor identifier cookie. | 1 year |
| _hjSession_ | rootsassumable.learnworlds.com | Identifier for each unique browser session. | 1 hour |
Fullstory
| Name of Cookie | Provider | Purpose | Expires |
| fs_lua | rootsassumable.learnworlds.com | Identifier for each unique browser session. | 30 minutes |
| fs_uid | rootsassumable.learnworlds.com | Anonymous visitor identifier cookie. | 1 year |
Mouseflow
| Name of Cookie | Provider | Purpose | Expires |
| mf_ | rootsassumable.learnworlds.com | Anonymous visitor identifier cookie. | When you close your browser |
| mf_user | rootsassumable.learnworlds.com | Identifier for each unique browser session. | 90 days |
Fullsession
| Name of Cookie | Provider | Purpose | Expires |
| FUS_COOKIE_data | rootsassumable.learnworlds.com | Cookie used by Fullsession for analytics purposes. | 30 minutes |
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4.7 Targeting/Marketing cookies
Targeting/Marketing cookies are used to track visitors across websites. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly personal information but are based on uniquely identifying your browser and internet device. The intention is to display ads that are relevant and engaging for the individual user and thereby more valuable for publishers and third-party advertisers. If you do not allow these cookies, you will experience less targeted advertising (remove cookies not exploited in your school):
Facebook
| Name of Cookie | Provider | Purpose | Expires |
| _fbp | rootsassumable.learnworlds.com | Identifies browsers for advertising and site analytics services | 90 days |
| fr | facebook.com | Delivers advertisement products such as real-time bidding from third-party advertisers | 90 days |
| datr | facebook.com | Identifies the web browser used to connect to Facebook; enhances security and site integrity | 2 years |
| c_user | facebook.com | Contains the user ID of the currently logged-in user | 1 year< |
| xs | facebook.com | Contains session number and secret number for security | Varies, tied to session |
| sb | facebook.com | Helps improve friend suggestions | 2 years |
| oo | facebook.com | Opt-out of Facebook showing ads based on activity on third-party websites | 5 years |
| presence | facebook.com | Contains user's chat state (e.g., which chat tabs are open) | End of session |
Hubspot
| Name of Cookie | Provider | Purpose | Expires |
| __hstc | rootsassumable.learnworlds.com | The main cookie for tracking visitors. It contains the domain, utk (see below), initial timestamp (first visit), last timestamp (last visit), current timestamp (this visit), and session number (increments for each subsequent session). | 6 months |
| hubspotutk | rootsassumable.learnworlds.com | This cookie is used for to keep track of a visitor's identity. This cookie is passed to HubSpot on form submission and used when de-duplicating contacts. | 6 months |
| __hssc | rootsassumable.learnworlds.com | This cookie keeps track of sessions. This is used to determine if we should increment the session number and timestamps in the __hstc cookie. It contains the domain, viewCount (increments each pageView in a session), and session start timestamp. | 30 min |
| __hssrc | rootsassumable.learnworlds.com | Whenever HubSpot changes the session cookie, this cookie is also set. We set it to 1 and use it to determine if the visitor has restarted their browser. If this cookie does not exist when we manage cookies, we assume it is a new session. | session |
| messagesUtk | rootsassumable.learnworlds.com | This cookie is used to recognize visitors who chat with you via the messages tool. If the visitor leaves your site before they're added as a contact, they will have this cookie associated with their browser. If you have a history of chatting with a visitor and they return to your site later in the same cookied browser, the messages tool will load your conversation history with that visitor. | 6 months |
Refersion
| Name of Cookie | Provider | Purpose | Expires |
| ci_session | refersion.com | Preserves users states across page requests. | When you close your browser |
| refersion_csrf_code | refersion.com | Sets csrf token to prevent cross site request forgery. | When you close your browser |
| __cfduid | refersion.com | Used by the content network, Cloudflare, to identify trusted web traffic. | 1 year |
Google AdWords
| Name of Cookie | Provider | Purpose | Expires |
| ads/ga-audiences | rootsassumable.learnworlds.com | Used by Google AdWords to re-engage visitors that are likely to convert to customers based on the visitor's online behaviour across websites. | When you close your browser |
Fomo
| Name of Cookie | Provider | Purpose | Expires |
| Fomo.hstry-count-since-first-event- | rootsassumable.learnworlds.com | Used by Fomo for showing user notifications. | Persistent |
| Fomo.hstry-first-timestamp- | rootsassumable.learnworlds.com | Used by Fomo for showing user notifications | Persistent |
| Fomo.snv- | rootsassumable.learnworlds.com | Used by Fomo for showing user notifications | Persistent |
5. Consent and Control
(Keep section 5.1 and 5.2 if you are using our cookie opt-in mechanism from School Privacy settings.)
- 5.1 Before Cookies are placed on your computer or device, you will be shown a banner requesting your consent to set those Cookies. By giving your consent to the placing of Cookies you are enabling Us to provide the best possible experience and service to you. You may, if you wish, deny consent to the placing of Cookies unless those Cookies are strictly necessary; however certain features of Our Site may not function fully or as intended. You will be given the opportunity to allow and/or deny different categories of Cookie that We use.
- 5.2 In addition to the controls that We provide, you can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all Cookies or only third-party Cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.
- 5.3 The links below provide instructions on how to control Cookies in all mainstream browsers:
- 5.3.1 Google Chrome
- 5.3.2 Microsoft Internet Explorer
- 5.3.3 Microsoft Edge (Please note that there are no specific instructions at this time, but Microsoft support will be able to assist)
- 5.3.4 Safari (macOS)
- 5.3.5 Safari (iOS)
- 5.3.6 Mozilla Firefox
- 5.3.7 Android (Please refer to your device’s documentation for manufacturers’ own browsers)
6. Changes to this Cookie Policy
- 6.1 We may alter this Cookie Policy at any time. Any such changes will become binding on you on your first use of Our Site after the changes have been made. You are therefore advised to check this page from time to time.
- 6.2 In the event of any conflict between the current version of this Cookie Policy and any previous version(s), the provisions current and in effect shall prevail unless it is expressly stated otherwise.
7. Further Information
- 7.1 If you would like to know more about how We use Cookies, please contact Us at:
Email: david@roots.homes
Phone: 323-524-5175
Mail: Roots Homes Inc., 9620 S Las Vegas Blvd E4 1122, Las Vegas, NV 89123
- 7.2 For more information about privacy, data protection and our terms and conditions, please visit the following:
- 7.2.1 Privacy Policy
- 7.2.1 Terms & Conditions
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