What Are Cookies and How Do They Work?

Cookies are small text files stored on your device when you visit websites. They help us remember your preferences and understand how you use our platform. Think of them as digital sticky notes that remind us who you are and what you were doing last time you visited.

Some cookies expire when you close your browser. Others stick around longer to remember your login details or language preferences. We use both types, depending on what makes sense for the specific feature.

Types of Tracking We Use

Not all tracking technologies are the same. Here's how we categorise what we collect:

Specific Cookies We Set

Here's a detailed breakdown of what we actually store:

How Tracking Improves Your Experience

We know tracking sounds intrusive, but here's what it actually helps us do:

• Remember your dashboard customisations so you don't have to set them up every time
• Identify which financial tools are most useful so we can improve them
• Understand where people get stuck in our processes and fix those points
• Show you content that's relevant to your financial situation rather than generic material
• Reduce the number of times we ask you to confirm your preferences

Without any tracking, you'd basically start from scratch every visit. It's possible, just frustrating.

Managing Cookies Through Your Browser

You don't have to use our controls. Every browser lets you manage cookies independently. Here's where to look:

Blocking all cookies might break some functionality. If something stops working after you change browser settings, that's probably why.

Data Retention and Deletion

Different cookies have different lifespans. Session cookies vanish when you close the browser. Persistent cookies last anywhere from a few months to three years, depending on their purpose.

If you delete cookies manually, we'll treat you as a new visitor next time you arrive. You'll need to log in again and reset any preferences. We also clear unused analytical data after 26 months to avoid hoarding information we don't actively use.

Third-Party Tracking

Some features involve third-party services that set their own cookies. For example, if we embed a video tutorial or integrate with a payment provider, those companies might track you independently. We limit these integrations, but they're sometimes necessary for specific functionality.

We don't control how third parties handle their tracking. If you're concerned, check their privacy policies or use browser extensions that block third-party cookies entirely.

Updates to This Policy

We review this policy annually or whenever we add new tracking technologies. If we make significant changes, we'll notify users through email or a site banner. The "Last Updated" date at the top tells you when the most recent changes were made.

You can always come back here to check what's current. We're not trying to hide anything — this page should answer most questions about what we collect and why.