Cookie Policy
Last Updated: January 2025
We're straightforward about how melquavora collects information when you visit melquavora.com. This policy explains what tracking technologies we use, why we use them, and how you can manage your preferences.
Cookies are small text files stored on your device. They help us remember your preferences and understand how people interact with our financial education content. Most websites use them, and they're generally harmless.
What We Track and Why
Different types of tracking serve different purposes. Some are absolutely necessary for the site to work. Others help us improve your experience or understand which budget planning resources are most helpful.
Essential Cookies
These keep the site working properly. They remember if you're logged in, maintain your session, and ensure forms work correctly. Without them, basic functionality breaks down.
Functional Cookies
These remember your choices like language preferences or customized dashboard settings. They make your experience more personal without collecting identifying information.
Analytics Cookies
We use these to see which articles get read most, where people tend to drop off, and what content resonates. This helps us create better financial literacy resources.
Marketing Cookies
These track your visit across melquavora.com to understand your interests. We might show you related content or educational programs that match what you've been reading about.
How This Actually Works
When you land on melquavora.com, your browser downloads small files from our server. These files contain basic data — maybe a session ID, your timezone, or which pages you viewed.
Some cookies expire when you close your browser. Others stick around for weeks or months. The longer-lasting ones help us recognize returning visitors and maintain your preferences between visits.
First-Party vs Third-Party
First-party cookies come directly from melquavora.com. We control these completely. Third-party cookies come from external services we use — like analytics tools or embedded content from other platforms.
Third-party cookies can track you across multiple websites. That's how you might see ads for products you looked at elsewhere. We limit third-party cookies to essential services only.
Specific Cookies We Use
Here's the complete breakdown of what you'll find stored when you visit our site:
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| session_id | Maintains your logged-in state and form data | Session | Essential |
| user_preferences | Remembers dashboard layout and display settings | 12 months | Functional |
| analytics_token | Tracks page views and user behavior patterns | 24 months | Analytics |
| content_tracking | Records which educational resources you access | 6 months | Analytics |
| marketing_id | Links your activity to campaign performance data | 13 months | Marketing |
| consent_status | Stores your cookie preference choices | 12 months | Essential |
Managing Your Cookie Settings
You've got control here. Every major browser lets you block cookies, delete existing ones, or set up automatic deletion. But there's a trade-off — blocking essential cookies means parts of melquavora.com won't work properly.
Browser-Specific Instructions
Chrome
Click the three dots in the top right corner, go to Settings, then Privacy and Security. Under Cookies and Site Data, you can block third-party cookies or clear all cookies. You'll need to do this regularly if you want them gone permanently.
Firefox
Open the menu and select Settings. Navigate to Privacy and Security on the left sidebar. Under Enhanced Tracking Protection, you can choose Standard, Strict, or Custom blocking. Custom gives you the most control over specific cookie types.
Safari
Go to Preferences from the Safari menu, then Privacy. Check "Block all cookies" if you want maximum protection, but expect websites to complain. You can also manage cookies on a site-by-site basis from this screen.
Edge
Click the three dots, select Settings, then Cookies and Site Permissions. You'll find options to block third-party cookies or clear browsing data. Edge also has tracking prevention with three levels — Balanced works well for most people.
What Happens When You Block Cookies
Blocking all cookies creates friction. You'll need to log in every single time. Your preferences won't save. Some forms might not submit properly. Videos and interactive tools may refuse to load.
- You'll lose access to personalized content recommendations
- Your dashboard settings reset with every visit
- We can't remember which courses you've started or completed
- Form auto-fill stops working across the site
- Some embedded content from partner platforms won't display
- You might see the same popup messages repeatedly
A better approach? Keep essential and functional cookies enabled, but block marketing and third-party tracking. This maintains functionality while limiting data collection.
Data Retention and Deletion
We don't keep cookie data forever. Analytics information gets aggregated and anonymized after six months. Individual tracking data expires based on the cookie duration listed in the table above.
Your Right to Delete
Australian privacy law gives you the right to request deletion of your data. Contact us directly and we'll remove your information from our systems within 30 days. This includes all cookie-collected data tied to your account.
Keep in mind that deleting your data means losing access to personalized features and course progress tracking. You're basically starting fresh with a clean slate.
Third-Party Services
We partner with a few external platforms that set their own cookies. These include video hosting services, analytics providers, and payment processors. Each has their own privacy policy that governs how they handle data.
- Google Analytics tracks visitor behavior and site performance metrics
- Video hosting platforms may place cookies when you watch embedded content
- Payment processors use cookies to secure transaction processing
- Social media plugins track engagement if you interact with share buttons
We vet these partners carefully and only work with services that respect user privacy. But ultimately, their data collection falls under their policies, not ours.
Changes to This Policy
Technology changes. Regulations evolve. We update this policy periodically to reflect new tracking methods or legal requirements. When we make significant changes, we'll post a notification on melquavora.com for at least 30 days.
The "Last Updated" date at the top tells you when we made the most recent changes. Check back occasionally if you're curious about what's different.
Questions About Our Cookie Usage?
We're happy to explain anything that seems unclear. Reach out and we'll walk you through exactly what data we collect and why.
Contact Us