What Actually Happens

Look, cookies sound mysterious but they're just small text files. When you visit nivarasoloria.com, your browser stores these files so we can remember things about you — like whether you're logged in or what language you prefer.

We're based in Australia and work with entrepreneurs across the country. Most of our tracking helps us understand which budgeting resources get used most so we can create better content.

The Different Types We Use

Why We Track This Stuff

We're not trying to be creepy. The data helps us understand what Australian entrepreneurs actually need from budgeting education. For example, we noticed people were bouncing off our cash flow forecasting page in 2024, so we rewrote it completely.

Specific Ways We Use Cookie Data

• Remembering where you left off in our learning modules so you don't lose progress
• Tracking which budgeting templates get downloaded most to prioritize updates
• Measuring how long people spend on complex topics to gauge content difficulty
• Testing different page layouts to see which ones make navigation easier
• Understanding seasonal patterns in what entrepreneurs search for

Sometimes we share this data with analytics providers, but it's always anonymized. They can't identify you personally — they just see aggregate patterns like "500 people visited the expense tracking page in March 2025."

How Long We Keep Cookies

It varies. Session cookies disappear when you close your browser. Persistent cookies might stick around for a year or two, depending on their purpose.

You're in control though. Use the button at the top of this page to reject all non-essential cookies right now. Or dive into your browser settings for more granular control.

Managing Your Browser Settings

Every browser lets you control cookies. The process differs slightly, but here's the general approach for the most common browsers used in Australia:

Keep in mind that blocking all cookies might break some features on nivarasoloria.com. You won't be able to stay logged in, and your saved preferences will reset every time you visit.

Third-Party Cookies

We use some third-party services that set their own cookies. For instance, if we embed a YouTube video showing how to build a budget spreadsheet, YouTube might place cookies on your device.

We try to minimize third-party tracking, but some tools are just too useful to skip. Analytics platforms help us understand user behavior. Payment processors need cookies to handle transactions securely. Video hosting services make our educational content accessible.

These third parties have their own privacy policies. We can't control what they do, but we vet partners carefully before integrating their services into nivarasoloria.com.

Changes to This Policy

We update this policy occasionally when we add new features or change how we handle data. Major changes get announced through email to our registered users.

If you're concerned about privacy, check back every few months. We'll always list the revision date at the bottom so you can see when something changed.