Think of cookies as tiny digital notes. When you visit our site, these notes help us remember things about your visit. Some cookies disappear when you close your browser, others stick around for future visits.

We use them to improve how our long-term budgeting tools work for you. They help us understand which features get used most often, where people spend time, and what could work better. It's practical feedback that shapes how we develop the platform.

Without cookies, you'd have to re-enter your preferences every single time you visited. Not ideal when you're trying to track your finances over months and years.

Here's a practical example. Say you're building a five-year savings plan using our tools. Cookies remember where you left off, which budget categories you've set up, and your preferred way of viewing financial projections.

When you come back next week to update your expenses, everything's right where you left it. Your dashboard looks the same, your preferences are saved, and you can jump straight back into planning without starting from scratch.

Analytics cookies show us that most users in Australia prefer viewing their budgets in monthly breakdowns rather than weekly. So we adjusted the default view based on that feedback. Small changes like this come directly from understanding how people actually use the platform.

Sometimes other companies' cookies end up on your device through our site. This happens when we integrate external tools or services that help us provide better functionality.

For instance, we might use third-party analytics services to understand user behavior patterns across different devices. These services have their own cookie policies, and we encourage you to review them if you're curious about their specific practices.

We're selective about which third parties we work with and try to partner only with services that respect user privacy and follow Australian data protection standards.

We update this policy occasionally when we change how we use cookies or when regulations require it. The "Last Updated" date at the top tells you when we made the most recent changes.

If we make significant changes, we'll notify users through the platform. Minor updates might happen without specific notification, so it's worth checking back here occasionally if you're curious about current practices.