Cookie Policy
Last Updated: March 2025
At lumiveraqua, we're straightforward about how we track website activity. This policy explains what cookies are, why we use them on lumiveraqua.com, and how you can manage your preferences. We believe in giving you control over your browsing experience while maintaining the functionality that makes our budget analysis tools work properly.
What Tracking Technologies Actually Do
Cookies are small text files that websites store on your device. Think of them as temporary notes that help websites remember your preferences between visits. When you come back to our site, these files tell us things like your language preference or which pages you've already viewed.
Beyond cookies, we also use similar technologies including web beacons and pixels. These are tiny bits of code that collect information about how you interact with our content. They don't store data on your device but send usage information back to our servers.
Essential Cookies
These keep the website functioning. Without them, you wouldn't be able to navigate between pages, access secure areas, or use our budget analysis calculator. We don't ask permission for these because they're necessary for basic operations.
Functional Cookies
These remember your choices so you don't have to keep resetting preferences. They store things like your preferred currency display format or whether you want tutorial tooltips shown. They make your experience smoother but aren't strictly necessary.
Analytical Cookies
We use these to understand how people actually use our site. They tell us which budget tools are most popular, where users get stuck, and what content needs improvement. This data helps us make better decisions about site development.
Marketing Cookies
These track your journey across our site to show you relevant content. If you read three articles about retirement planning, we might feature more retirement-focused resources. They also help us measure whether our educational content reaches the right audience.
How We Use This Information
Our tracking serves specific purposes rather than general surveillance. When you start using our budget calculator, functional cookies save your progress so you don't lose work if you accidentally close the tab. That's genuinely useful.
Analytical data shows us patterns we'd never spot otherwise. Last year, we discovered that most people abandon our debt repayment tool on the third step. That insight led us to redesign that section, and completion rates improved significantly.
Marketing cookies help us avoid showing you content you've already seen. If you've completed our beginner's guide to budgeting, we'll stop promoting it to you and instead suggest intermediate-level materials. It's about relevance, not repetition.
Third-Party Tracking
Some cookies on our site come from external services we use. Our analytics platform sets cookies to measure site performance. These third parties have their own privacy policies, and we've chosen partners who respect user privacy.
We don't sell your tracking data to anyone. The information stays within our organization and the specific service providers we've contracted to help run the site. That's a firm boundary for us.
Managing Your Cookie Preferences
You have several options for controlling cookies. The most comprehensive is through your browser settings, where you can block all cookies, accept only certain types, or delete existing ones. Each browser handles this differently.
Chrome
Go to Settings, then Privacy and Security, then Cookies and Other Site Data. You can block third-party cookies while allowing first-party ones, or block everything entirely. Chrome also lets you see which sites have stored cookies.
Firefox
Open Settings, select Privacy and Security from the sidebar, then adjust the Enhanced Tracking Protection settings. Firefox offers a balanced approach that blocks many trackers while keeping sites functional.
Safari
Navigate to Preferences, then Privacy. Safari is stricter by default and blocks most third-party cookies automatically. You can make it even more restrictive or slightly looser based on your preference.
Edge
Click Settings, then Cookies and Site Permissions. Edge inherited Chrome's cookie management system and works similarly, offering granular control over different types of tracking.
Data Retention and Updates
Different cookies have different lifespans. Session cookies disappear when you close your browser. Persistent cookies might last anywhere from a few weeks to a couple of years, depending on their purpose.
We regularly review which cookies we're using and delete the ones that no longer serve a clear function. Our analytical cookies typically expire after 12 months, while functional cookies that store your preferences might last up to 24 months.
This policy gets updated whenever we change our tracking practices. We'll post the new version here with an updated date at the top. For significant changes that affect how we use your data, we'll notify you through a banner on the site.
Impact on Site Functionality
Blocking all cookies will affect your experience on lumiveraqua.com. You'll still be able to read our articles and access most content, but interactive tools won't save your progress. You'll need to re-enter preferences each time you visit.
If you block only third-party cookies, the impact is minimal. Our core features rely on first-party cookies that come directly from our lumiveraqua. The main difference is we won't be able to measure site performance as accurately.
Questions About Our Cookie Usage?
If you want more details about specific cookies or have concerns about tracking, reach out to us.
561/583 Polding St, Wetherill Park NSW 2164, Australia