Cookie Policy
Last Updated: February 2025
We believe in being upfront about how we gather information when you visit novarethiqo.com. This policy explains what tracking technologies we use and why they matter for your experience with our financial planning resources.
Think of cookies as little notes your browser keeps to remember things about your visits. Some help the site work properly, others help us understand what content actually helps people.
What We're Actually Tracking
When you browse our site, we collect certain information to keep things running smoothly and to improve what we offer. Here's what that looks like in practice.
Essential Functions
These handle basic site operations - login sessions, security checks, and making sure forms actually submit when you click the button.
Performance Tracking
We monitor which pages load slowly or cause errors. This data helps us fix technical issues before they frustrate more visitors.
Usage Patterns
Understanding which articles get read and which get abandoned tells us what financial planning topics matter most to Australian households.
Preference Storage
Your choices about text size, layout preferences, or dismissed notifications get saved so you don't reset them every visit.
The Technical Details
Different tracking technologies serve different purposes. Some expire when you close your browser, others stick around longer to remember your preferences across visits.
- Session Tracking: These expire automatically when you close your browser. They handle temporary data like items you've added to comparison tools or forms you're filling out.
- Persistent Storage: These remain on your device for set periods - anywhere from days to months. They remember login status and site preferences between visits.
- First-Party Collection: Data we collect directly through novarethiqo.com stays within our systems and supports our educational mission.
- Third-Party Analytics: We use external tools to analyze traffic patterns and user behavior, which means some data passes through partner systems.
- Local Storage: Modern browsers let us store larger amounts of data locally for features like saving draft calculations or bookmarked resources.
Most tracking happens invisibly as you navigate between pages. The data collected includes page views, time spent reading, clicks on educational resources, and technical information like browser type and screen resolution.
How This Benefits Your Experience
Tracking isn't just about collecting data - it's about making the site more useful for people planning their financial futures.
Personalized Learning Paths
When we see which financial planning topics you engage with most, we can surface related resources that match your interests. Someone researching retirement planning gets different suggestions than someone focused on debt management.
Technical Improvements
Error tracking shows us exactly where things break. Last year, we discovered a calculator that failed on certain mobile devices only because usage data flagged the pattern.
Content Development
Articles that get read completely versus those abandoned halfway tell us what resonates. We've rewritten entire sections based on this feedback - sometimes the financial jargon needs simplifying, other times people want more depth.
Short-Term Data
Session information and temporary preferences clear within 24 hours of your last activity on the site.
Medium-Term Data
User preferences and functionality choices typically remain stored for 90 days to maintain consistent experience across regular visits.
Long-Term Analytics
Aggregated usage patterns and traffic analysis data may be retained for up to 26 months to identify trends and guide content strategy.
Managing Your Preferences
You control what gets tracked. Every major browser includes tools to manage, block, or delete tracking data. The trade-off is that blocking certain cookies might break site functionality or reset your preferences.
Browser-Level Controls
Each browser handles this differently, but the core functions remain similar across platforms.
Chrome Settings
Firefox Privacy
Safari Preferences
Edge Security
Most browsers default to accepting all cookies but offer options to block third-party tracking, reject all non-essential cookies, or prompt you before accepting each one. Private browsing modes prevent most tracking but also reset all preferences when you close the window.
What Blocking Means Practically
If you choose to disable tracking technologies, certain features won't work as expected. Here's what typically breaks:
- Saved financial calculators and comparison tools will reset each visit
- Educational resources you've bookmarked won't persist between sessions
- Login sessions may expire more frequently requiring repeated authentication
- Site preferences like text size or contrast settings won't be remembered
- Progress through learning modules won't be tracked across visits
Third-Party Analytics Partners
We work with external analytics providers to understand site performance and user behavior patterns. These partners operate under their own privacy policies and may use tracking data for purposes beyond our direct control.
Standard analytics tools track page views, referral sources, device types, and geographic locations at the city level. This information helps us understand which Australian regions show most interest in specific financial planning topics.
You can opt out of certain analytics tracking through browser extensions or by enabling Do Not Track signals in your browser settings. However, not all analytics providers honor these signals, and effectiveness varies.
Mobile Applications
While novarethiqo.com primarily operates as a website, similar tracking principles apply if you access our resources through mobile browsers or any future applications we might develop.
Mobile tracking includes device identifiers, operating system versions, and app-specific usage patterns. Mobile browsers offer their own privacy controls similar to desktop counterparts.
Policy Updates
We review and update this policy periodically as tracking technologies evolve and regulations change. Significant changes will be noted at the top of this page with updated revision dates.
Continuing to use novarethiqo.com after policy updates indicates acceptance of the revised terms. We encourage checking back occasionally to stay informed about how we handle tracking data.
Questions About Our Tracking Practices?
If something isn't clear or you need more specific information about what data we collect, reach out through any of these channels.
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