lumico.com
Last scanned October 21, 2026
A cookie scan of lumico.com completed on October 21, 2026 found 10 cookies and 11 third-party tracking requests. The assessment covered 10 pages across 10 unique page templates. The site employs OneTrust as its consent management platform with Google Consent Mode v2; IAB TCF v2.3 was not observed. 11 third-party requests were detected from 6 vendors.
Consent behaviour grade
22 / 100
This site set multiple tracking cookies before the visitor consented. Under ePrivacy Article 5(3), these require prior consent.
Automated point-in-time check of the scanned pages; not legal advice.
Consent enforcement level
-
1
Nothing non-essential runs before consent is given. This is the strict reading of ePrivacy Article 5(3) and the strongest position.
-
2
Google tags load with storage defaulted to denied and send only cookieless pings before consent. Permitted in Google's model, but not the strict reading of Article 5(3).
-
3
Partially enforced This site
Google Consent Mode v2 restrains Google tags, but other trackers or cookies were observed before consent.
-
4
Trackers or cookies execute before the visitor consents, with no consent signals restraining them.
Consent banner as encountered
The first layer offers a Reject option alongside Accept.
Load timeline before consent
Milliseconds from navigation start until each request fired or each cookie was set.
Observed before consent
Cookies set before consent (10)
-
__hsscanalytics · HubSpot -
__hssrcanalytics · HubSpot -
__hstcanalytics · HubSpot -
_gaanalytics · Google Analytics -
_gatanalytics · Google Analytics -
_gat_UA-174549009-1analytics · Google Analytics -
_gidanalytics · Google Analytics -
hubspotutkanalytics · HubSpot -
__cf_bmnecessary · Cloudflare -
_cfuvidnecessary · Cloudflare
Tracking requests before consent (8)
- ContentSquare static.hotjar.com set by lumico.com/final-expense · at 62 ms
- Google LLC www.googletagmanager.com set by lumico.com/final-expense · at 62 ms
- HubSpot perf-na1.hsforms.com set a cookie at 287 ms
- HubSpot Inc. js.hs-analytics.net set a cookie set by lumico.com/6209620.js · at 163 ms
- HubSpot js.hs-banner.com set a cookie set by lumico.com/6209620.js · at 163 ms
- HubSpot Inc. app.hubspot.com set by lumico.com/index.js · at 287 ms
- HubSpot Inc. js.hubspot.com set a cookie set by lumico.com/6209620.js · at 24 ms
- Google LLC www.google-analytics.com set by www.googletagmanager.com/gtm.js · at 94 ms
How we tested
Browser: Chrome/150.0.7871.124 · Scan origin: EU · Viewport: 1440×900 · Checked: 21 Oct 2026 03:21
Cookies
10
Third-party
0
Trackers
11
Vendors
6
Consent banner
OneTrust
Scans
1
Compliance by audience
European Union
✗ Not metGDPR + ePrivacy · Prior consent (opt-in)
United Kingdom
✗ Not metUK GDPR + PECR · Consent-based
United States
✓ Meets this modelCCPA/CPRA + state laws · Notice & opt-out
Canada
! Needs attentionPIPEDA + Québec Law 25 · Consent-based
Brazil
! Needs attentionLGPD · Consent-based
Scanned from the EU; sites may serve different banners or tracking to other regions. Verdicts reflect observed behaviour measured against each audience's rules.
Connection security
HTTPS supported
✓Redirects HTTP to HTTPS
✓HSTS
✓Content Security Policy
✓
Third-Party Trackers
11 requests detected from 6 vendors: ContentSquare, Google LLC, HubSpot, HubSpot Inc., Cloudflare Inc....
Third-Party Trackers
11 requests detected from 6 vendors: ContentSquare, Google LLC, HubSpot, HubSpot Inc., Cloudflare Inc....
Analytics
4
Marketing
3
Necessary
3
Functional
0
Other
1
| Vendor | Category | Type | Domain |
|---|---|---|---|
| ContentSquare before consent ContentSquare tracker domain (source: Disconnect.me, category: Analytics) | Analytics | script | static.hotjar.com |
| Google LLC before consent Google Tag Manager | Analytics | script | www.googletagmanager.com |
| HubSpot before consent HubSpot tracker domain (source: Disconnect.me, category: Content) | Analytics | script | perf-na1.hsforms.com |
| HubSpot Inc. before consent HubSpot analytics | Analytics | script | js.hs-analytics.net |
| HubSpot before consent HubSpot tracker domain (source: Disconnect.me, category: Advertising) | Marketing | script | js.hs-banner.com |
| HubSpot Inc. before consent HubSpot marketing & CRM | Marketing | script | app.hubspot.com |
| HubSpot Inc. before consent HubSpot marketing & CRM | Marketing | script | js.hubspot.com |
| Cloudflare Inc. Cloudflare CDNJS | Necessary | script | cdnjs.cloudflare.com |
| Google LLC Google tracker domain (source: Disconnect.me, category: Content) | Necessary | script | ajax.googleapis.com |
| UNPKG UNPKG tracker domain (source: Disconnect.me, category: Content) | Necessary | script | unpkg.com |
| Google LLC before consent Google tracker domain (source: Disconnect.me, category: FingerprintingGeneral) | Unknown | script | www.google-analytics.com |
Scan history
One completed scan: cookies and trackers from the scan on October 21, 2026.
Recent scans
| October 21, 2026 | 10 11 |
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