1. What Are Cookies?
Cookies are small text files placed on Your device (computer, mobile, tablet) when You visit a website. They help websites function properly, enhance performance, remember preferences, and analyze user behavior. Cookies may also be used for marketing, personalization, and fraud prevention.
2. Types of Cookies We Use
Strictly Necessary Cookies
Essential for the Platform to function correctly. These cookies cannot be disabled. They do not store personally identifiable information and are exempt from consent requirements under US law.
Performance & Analytics Cookies
Used to understand how visitors interact with the Platform. These help us improve content, tools, speed, and overall performance.
Functional Cookies
Enable enhanced features and personalization such as remembering Your region, calculator preferences, or dark/light mode settings.
Advertising & Marketing Cookies
Used to deliver relevant ads or measure the effectiveness of our marketing campaigns. These may track visitors across websites and are subject to CCPA opt-out rights.
Third-Party Cookies
Set by our partners providing analytics, embedded content, financial data APIs, or affiliate networks. These are governed by the respective third-party privacy policies.
3. How We Use Cookies
- To operate and secure the Platform against fraud and unauthorized access
- To authenticate Your session and maintain account security
- To remember Your US region preferences and calculator settings
- To improve calculator accuracy and overall user experience
- To analyze platform performance and understand traffic patterns
- To deliver optimized financial content and US-relevant recommendations
- To run FTC-compliant marketing and affiliate programs
4. Legal Basis for Using Cookies (CCPA/CPRA)
Under CCPA and CPRA, we rely on the following bases for using cookies:
- Consent: For analytics, marketing, and non-essential cookies — obtained via our cookie consent banner.
- Legitimate Interest: For security, fraud detection, load balancing, and strictly necessary cookies required for Platform operation.
- Legal Obligation: Where required to comply with applicable US federal or state law.
You may withdraw or modify Your consent at any time through our Cookie Consent Manager or browser settings.
5. Your Cookie Choices & Consent Management
Finzony uses a cookie consent banner that allows You to:
Your consent preferences are stored securely in your browser's local storage. We also honor Global Privacy Control (GPC) signals as required by CPRA.
6. Third-Party Tracking Technologies
We use third-party analytics, performance, and advertising technologies. These partners may collect usage data, device identifiers, and browsing behavior per their own privacy policies. Key partners include:
7. Managing Cookies Through Your Browser
You may control, delete, block, or disable cookies directly through your browser settings. Note that blocking some cookies may impact the functionality of the Platform.
8. Cookie Duration
- • Session Cookies: Temporary cookies deleted automatically when You close Your browser.
- • Persistent Cookies: Stored on Your device for a defined period or until You manually delete them.
10. International Data Transfers
Cookie data processed by our third-party partners may be transferred and processed outside the United States. Where applicable, we ensure appropriate safeguards are in place including data processing agreements and privacy shield equivalents.
9. California Users — CCPA/CPRA Rights
- You have the right to opt-out of the sale or sharing of Your personal information collected via cookies.
- You may request details on categories of personal data collected through cookies.
- You may request deletion of personal information collected via tracking technologies.
- You will not be discriminated against for exercising any of these rights.
- You may enable the Global Privacy Control (GPC) in your browser to automatically signal opt-out.
Finzony does not sell personal information for monetary value. Some sharing for targeted advertising may be subject to CCPA opt-out.
11. Updates to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in law, technology, or our practices. Any changes will be posted on this page with an updated Last Updated date.
12. Contact Us
If You have any questions about this Cookie Policy or wish to exercise Your CCPA/CPRA privacy rights regarding cookies, please email us at privacy@finzony.com or support@finzony.com.