What Are Cookies Anyway?

Cookies are small text files that get stored on your device when you visit our website. Think of them as tiny notes that help our site remember things about you – like your preferences or where you left off during your last visit.

They're not programs and can't carry viruses. Most websites use them, and they've been around since the mid-90s. We use them to make your experience smoother and to understand how people interact with our financial tools and resources.

The Types of Tracking We Use

Not all cookies do the same thing. Here's a breakdown of what we deploy on fervosio.com and what each type actually does:

How This Actually Improves Your Experience

Let's get specific about what tracking does for you as a visitor. When you use our budget calculator, functional cookies remember the figures you entered last time. When you're reading through our investment guides, analytics cookies help us spot which topics need more detail or clearer explanations.

If you're comparing different financial products, cookies keep track of what you've looked at so you don't lose your place. And when we notice through analytics that people are struggling with a particular tool, we can redesign it or add better instructions.

Marketing cookies help us avoid showing you information about services you've already explored. Instead, we can point you toward resources that might actually be useful based on what you've shown interest in.

What We Actually Track

Here's a straightforward list of the information these technologies collect when you visit fervosio.com:

• Pages you visit and how long you spend on them
• Links and buttons you click within our site
• Calculators and tools you interact with
• Content downloads and form submissions
• Your device type, browser, and operating system
• Approximate location based on IP address (city level, not your street address)
• Referring website that brought you to us
• Date and time of your visits

We don't collect personally identifiable information through cookies unless you voluntarily provide it through forms. The tracking is mostly about behaviour patterns rather than individual identification.

Third-Party Cookies and External Services

We work with external services that set their own cookies. Google Analytics tracks how people use our site. If we embed a video explaining mortgage calculations, that video player might set cookies too.

These third parties have their own privacy policies that govern how they use the data they collect. We choose partners carefully, but we can't control their practices once they're collecting information.

Some of our financial calculators use external APIs that might track usage. When you use a currency converter or check current interest rates, those services might log that interaction on their end.

How Long We Keep This Data

Different cookies stick around for different lengths of time. Here's the general breakdown:

After these periods expire, the cookies automatically delete themselves. You can also manually clear them anytime through your browser settings.

Updates to This Policy

We update this policy when we change how we use tracking technologies or when regulations require it. The date at the top shows when we last made changes.

If we make significant changes to what we track or how we use the data, we'll post a notice on the site. But you should probably check back here occasionally anyway – especially if privacy is important to you.

We're not going to email you every time we tweak a paragraph or clarify something. The responsibility to stay informed ultimately sits with you as the site visitor.