Cookie & Data Usage Policy

What Are Cookies and Tracking Technologies?

Cookies are small text files that websites store on your device when you visit them. Think of them as digital bookmarks that help websites remember your preferences and provide a more personalized experience. At hitane-fudiwa.sbs, we use various tracking technologies to understand how you interact with our financial education content and improve our services.

Beyond traditional cookies, we also employ web beacons, pixel tags, and local storage technologies. These work together to create a comprehensive picture of how our platform serves your credit education needs. Web beacons are tiny, invisible images that help us track email opens and page visits, while local storage allows us to save your preferences directly in your browser.

Types of Tracking We Use

• Essential Cookies
  These are absolutely necessary for our website to function properly. They enable basic features like secure login, form submissions, and navigation between pages. Without these, you wouldn't be able to access your account or use our credit assessment tools.
• Functional Cookies
  These remember your choices and preferences, such as your preferred language, currency display, or notification settings. They make your experience more convenient by eliminating the need to re-enter information each time you visit.
• Analytical Cookies
  We use these to understand how visitors interact with our content. They tell us which financial education articles are most helpful, how long people spend reading about credit improvement strategies, and which tools are used most frequently. This data helps us create better content for you.
• Marketing Cookies
  These help us deliver relevant content and educational materials based on your interests. If you've been reading about debt consolidation, we might show you related resources about budget management or loan options that could be helpful.

Data Collection and Usage

We collect information about your browsing patterns, device type, location (general area, not specific address), and how you interact with our financial education content. This includes which pages you visit, how long you spend reading different sections, and what actions you take on our site.

Specific Data Points We Track

Your journey through our credit education platform generates various data points. We track page views, time spent on educational content, downloads of financial worksheets, use of calculators and tools, search queries within our site, and interaction with educational videos or interactive content.

We also monitor technical information like your browser type, operating system, screen resolution, and internet connection speed. This helps us ensure our platform works well across different devices and connection types, especially important when you're accessing financial tools that need to load quickly and reliably.

Managing Your Preferences

You have complete control over how cookies and tracking technologies interact with your device. Most web browsers allow you to manage cookie settings through their preferences or settings menu. You can choose to accept all cookies, reject all cookies, or be notified when cookies are being set.

Browser-Specific Controls

In Chrome, you can access cookie settings through Settings > Advanced > Privacy and Security > Site Settings > Cookies. Firefox users can find these options under Preferences > Privacy & Security. Safari users should look in Preferences > Privacy. Edge users can find cookie controls in Settings > Site Permissions > Cookies and Site Data.

Keep in mind that blocking certain cookies might affect your experience on our site. For example, if you disable functional cookies, you might need to re-enter your preferences each time you visit. However, you'll still be able to access all our educational content and basic tools.

Mobile Device Settings

On mobile devices, you can control tracking through your browser settings or device privacy settings. iOS users can limit tracking through Settings > Privacy & Security > Tracking. Android users can find similar options in Settings > Privacy > Ads or through their browser's privacy settings.

Data Retention and Security

We retain different types of data for varying periods based on their purpose and legal requirements. Essential cookies typically last for the duration of your session, while preference cookies might be stored for up to two years. Analytical data is generally kept for 26 months to help us understand long-term trends in how people use our educational resources.

Your data is protected through industry-standard security measures including encryption, secure servers, and regular security audits. We never sell your personal information to third parties, and we only share aggregated, anonymized data with partners who help us improve our educational content.

Updates and Changes

We may update this policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through our website or by email if you've subscribed to our updates. We encourage you to review this policy regularly to stay informed about how we protect your privacy.

Minor updates, such as clarifications or additional examples, may be made without specific notification. However, any changes that affect how we collect, use, or share your data will be clearly communicated with adequate notice before they take effect.