Cookie Policy

What Are Cookies and Similar Technologies?

Cookies are small text files that websites place on your device when you visit. They're pretty common — most sites use them. Think of them as a way for the website to remember things about your visit.

We also use similar tracking technologies like web beacons (tiny invisible images) and local storage (a way to save data in your browser). These work alongside cookies to help us understand how visitors use our budgeting tools and educational content.

When you visit nivolantore.com, these technologies might collect information like which pages you view, how long you spend reading our budgeting guides, or whether you return to finish a resource you started earlier.

Types of Tracking We Use

How We Actually Use This Information

Here's what happens with the data we collect through these tracking technologies:

• We analyze which budgeting resources get the most attention and which ones people find less useful
• We remember your preferences so you don't have to reset everything each visit
• We identify technical issues — like if a particular page isn't loading properly for visitors
• We measure whether our educational content about household finances is reaching people in Port Macquarie and across New South Wales
• We understand the typical journey someone takes through our site before deciding to contact us
• We show you content that's relevant to where you are in your budgeting journey

For instance, if you've been reading our guides on managing mortgage payments, we might show you related content about refinancing options or debt reduction strategies. This isn't about being intrusive — it's about being helpful.

Third-Party Cookies

Sometimes cookies come from other companies whose services we use. For example, if we embed a video about budgeting strategies, the video platform might place its own cookies. Or if we use analytics services, those providers place cookies to track website performance.

We're careful about which third parties we work with, but we don't have direct control over their cookies. These companies have their own privacy policies that explain how they handle your information.

Cookie Duration and Data Retention

Not all cookies last the same amount of time. Some exist only while you're actively browsing our site — these are called session cookies. They disappear when you close your browser.

Others stick around longer — these are persistent cookies. They might remember your preferences for weeks or months so you don't have to reset everything each time you visit.

Your Rights and Choices

Beyond browser settings, you have several options for managing how we track your activity:

• You can request information about what data we've collected through cookies
• You can ask us to delete cookie data associated with your visits
• You can opt out of marketing cookies while still using the site
• You can use private or incognito browsing mode to limit tracking
• You can clear your browser's cookies manually at any time

If you're based in Australia, you have specific privacy rights under the Privacy Act 1988. This includes the right to know what personal information we hold and how we use it.

We'll respond to privacy requests within a reasonable timeframe, typically within 30 days. Sometimes we might need additional information to verify your identity before we can fulfill certain requests.

Mobile Apps and Devices

If you access nivolantore.com through a mobile device, similar tracking technologies apply. Mobile browsers handle cookies in basically the same way desktop browsers do.

Mobile devices also have their own advertising identifiers — these work similarly to cookies but are specific to your phone or tablet. You can usually manage these through your device settings under privacy or advertising preferences.

Updates to This Policy

We update this cookie policy occasionally — usually when we start using new tracking technologies or change how we handle existing ones. When we make significant changes, we'll update the effective date at the top of this page.

We won't drastically change how we use cookies without letting you know. If we start collecting different types of information or sharing data in new ways, we'll make that clear in an updated policy.

It's worth checking back here occasionally, especially if you're concerned about privacy. We try to be transparent about our tracking practices and any changes we make.