Cookie Policy

Cookies are small text files that are stored on your device when you visit a website. They serve various purposes, from remembering your preferences to analyzing how you interact with our site. Think of them as digital breadcrumbs that help us understand your journey through our platform.

These files contain information that gets sent back to our servers each time you visit our site. This allows us to recognize your device and provide you with a more personalized experience. Most websites use cookies in some form, and they've become an essential part of how the modern web functions.

Cookies can be "persistent" (remaining on your device until they expire or you delete them) or "session" cookies (deleted when you close your browser). We use both types to enhance your experience on our financial education platform.

We categorize our cookies into several types based on their function and purpose. Understanding these categories helps you make informed decisions about which cookies you'd like to accept.

The information we gather through cookies varies depending on the type of cookie and how you interact with our site. Here's what we typically collect:

• Your IP address and general location information (country/city level)
• Browser type, version, and operating system details
• Pages you visit and time spent on each page
• Referring website information and search terms used
• Device information including screen resolution and language settings
• Interaction patterns with our educational content and tools
• Preferences you set for our budgeting calculators and financial tools
• Session duration and frequency of visits to our platform

We aggregate this information to understand user behavior patterns and improve our educational content. Individual browsing sessions are typically anonymized, though some functional cookies may store preferences linked to your account if you're logged in.

Different cookies have different lifespans, and we've carefully considered how long each type should remain active based on its purpose:

Session cookies are automatically deleted when you close your browser. These are primarily used for essential functions like maintaining your login session and temporary preferences.

Persistent cookies remain on your device for a set period, typically ranging from 30 days to 2 years. Marketing cookies generally have shorter lifespans (30-90 days), while functional cookies that remember your preferences may last up to 2 years.

We regularly review our cookie retention periods to ensure we're not storing information longer than necessary. Analytics data is typically aggregated and anonymized after 6 months, while individual session data may be retained for up to 13 months for security and fraud prevention purposes.

You have several options for controlling how cookies are used on your device. Most modern browsers give you detailed control over cookie settings, and you can adjust these preferences at any time.

Please note that blocking certain cookies may affect your experience on our website. Essential cookies are necessary for basic functionality, and disabling them may prevent you from accessing certain features of our financial education platform.

Some cookies on our website are set by third-party services that we use to enhance our platform's functionality. These partners include analytics providers, content delivery networks, and educational technology platforms.

We work with reputable partners who maintain their own privacy policies and cookie practices. While we can't control how these third parties use cookies, we carefully select partners who align with our commitment to user privacy and data protection.

Major third-party services we use include Google Analytics for website performance analysis, educational content platforms for delivering our courses, and customer support tools for helping users with questions about budgeting and financial planning.

Each of these partners has their own cookie policies, which we encourage you to review. We regularly audit our third-party integrations to ensure they meet our privacy standards and provide genuine value to our users.

We review and update this Cookie Policy regularly to reflect changes in our practices, technology, and legal requirements. When we make significant changes, we'll notify you through our website or via email if you're a registered user.

We encourage you to review this policy periodically, especially if you have concerns about how your data is collected and used. The "Last updated" date at the top of this page indicates when the policy was most recently revised.

Changes to this policy become effective immediately upon posting, though we'll provide advance notice for any changes that significantly affect your rights or how we process your information.