What Are Cookies and Why We Use Them

Cookies are small text files stored on your device when you visit silvariona.com. We use these alongside similar tracking technologies to make our budget calendar planning tools work properly and understand how people interact with our financial education resources.

Look, we're not here to collect data just for fun. The tracking we do helps us figure out which budgeting features actually help Australians manage their finances better. Some of this stuff is necessary so you can log in and save your budget calendars. Other tracking is optional and helps us improve the site based on what people actually use.

Types of Tracking Technologies We Use

Specific Cookies on silvariona

How Tracking Improves Your Experience

Here's what tracking actually does for you on silvariona.com:

• Remembers your budget setup: When you come back, your saved budgets and financial goals are right there waiting
• Personalizes educational content: If you're focused on debt reduction, we'll surface relevant articles about managing loans and credit
• Speeds up the interface: We cache your most-used features so they load faster
• Prevents duplicate tutorials: Once you've completed an onboarding guide, we won't show it again
• Syncs across devices: Start a budget on your laptop and finish it on your phone

Without functional and analytics tracking, you'd basically have to start fresh every single time you visit. That's annoying when you're trying to stick to a financial plan.

Third-Party Tracking Services

We work with a few external services that place their own cookies when you use silvariona.com. These include Google Analytics for usage statistics and payment processors for handling transactions securely.

These services have their own privacy policies that govern how they handle data. We've chosen providers that meet Australian privacy standards, but you should know that some data gets shared with these third parties when you use our budget planning tools.

Current Third-Party Services:

• Google Analytics and Google Tag Manager for site analytics
• Stripe for payment processing (if you upgrade to premium features)
• Cloudflare for site security and performance
• Facebook Pixel for advertising effectiveness measurement

Managing Your Cookie Preferences

You've got several ways to control cookies on silvariona.com. The easiest is clicking the "Decline All Tracking Cookies" button at the top of this page. That turns off everything except essential cookies.

Browser-Level Controls:

Every browser lets you manage cookies through its settings. Here's where to find these controls:

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions → Manage and delete cookies

Data Retention and Storage

Different cookies stick around for different lengths of time. Session cookies disappear when you close your browser. Persistent cookies stay until their expiration date or until you manually delete them.

For analytics data collected through cookies, we typically keep aggregated information for up to three years. This helps us spot long-term trends in how Australians use budgeting tools. Personal identifiers get stripped from analytics data after six months.

Your saved budget calendars and financial plans are stored separately from cookie data and persist based on your account settings. You can delete this information anytime through your account dashboard.

Cookies and Australian Privacy Law

Our cookie practices comply with the Privacy Act 1988 and Australian Privacy Principles. We're transparent about what we collect, we give you control over optional tracking, and we protect the data we gather.

If you're concerned about how your information is handled, you have rights under Australian law to access your data, request corrections, and lodge complaints with the Office of the Australian Information Commissioner.

We take privacy seriously because financial data is sensitive. The last thing anyone wants is their budgeting habits or money management struggles becoming public information.

Updates to This Policy

We update this cookie policy when we add new tracking technologies or change how we use existing ones. Major changes will be announced through email if you have an account with us.

The "Last Updated" date at the top of this page shows when we last made changes. We recommend checking back occasionally if you're particular about tracking practices.