What Are Cookies Anyway?

Cookies are small text files that get stored on your device when you visit websites. They're basically little data snippets that help websites remember things about you and your preferences. Some people find them concerning, but honestly, most cookies are pretty harmless and actually make your browsing experience better.

We use cookies on zelariphyvo.com to remember your settings, understand how you use our budgeting tools, and occasionally show you relevant content. Nothing sinister—just practical stuff that helps the site work properly.

Types of Cookies We Use

Not all cookies serve the same purpose. Here's a breakdown of the different types you might encounter on our site:

How We Actually Use This Information

Here's what we're doing with the data these cookies collect:

• Keeping you logged into your account as you navigate between different pages
• Remembering your budget categories and financial goals between sessions
• Understanding which educational resources get the most attention
• Testing new features to see if they actually help people manage money better
• Spotting technical issues before they become major problems
• Showing you content about budgeting strategies that might be relevant to your situation

We're not selling your data to third parties. That's not our business model, and frankly, it goes against everything we stand for as a financial education platform.

Taking Control of Your Cookie Settings

You've got options here. Every modern browser lets you manage cookies, though the process varies slightly depending on which one you use.

How Long Do Cookies Stick Around?

Different cookies have different lifespans. Session cookies disappear when you close your browser—they're temporary helpers. Persistent cookies hang around longer, sometimes for months or even years, depending on their purpose.

We set our functional cookies to last about 12 months, which seems like a reasonable balance between convenience and privacy. Analytical cookies typically expire after two years. You can always clear them manually through your browser settings if you want a fresh start.

Third-Party Cookies

Sometimes we use services from other companies—like analytics tools or embedded content providers. These might set their own cookies. We're selective about which third parties we work with, but it's worth knowing that they operate under their own privacy policies.

If you want complete control, you can use browser extensions that block third-party cookies entirely. Just be aware that this might affect how some embedded content displays on our site.

Changes to This Policy

We'll update this page when we make significant changes to how we use cookies. The date at the top tells you when we last revised it. If you're concerned about privacy (and honestly, you should be these days), it's worth checking back occasionally to see what's changed.

Major updates will be accompanied by a notification when you next visit the site, so you won't miss anything important.