Data Collection & Tracking Policy

What Are Tracking Technologies?

Look, I'm going to be straight with you. When you visit morvanelixio.com, we place small text files on your device. These are what most people call "cookies," though the tech actually includes several types of tracking methods.

Think of them as little memory aids that help our website remember who you are and what you were doing. Without these, you'd have to log in every time you clicked to a new page. Pretty annoying, right?

We use these technologies for a few reasons: keeping you logged in, remembering your preferences, understanding how people use our budget planning tools, and yes—showing you relevant information about our services.

Types of Tracking We Use

• Essential Functionality Cookies

  These keep the site working. They handle your login session, remember which budget scenario you're working on, and maintain your security settings. We can't turn these off because, well, the website would break. They expire when you close your browser or after 24 hours, whichever comes first.

• Preference Memory

  These remember choices you've made—like your currency preference or whether you want to see advanced planning options. They stick around for about 90 days. If you reject optional cookies, we'll still use these because they're directly tied to features you've requested.

• Analytics and Performance Tracking

  Here's where we learn how people actually use our contingency planning tools. Which features get ignored? Where do people get stuck? We use this data to make improvements. These cookies hang around for up to 2 years, though we review and clean up our analytics regularly.

• Marketing and Communication Pixels

  These track whether you've seen our educational content or attended our webinars. They help us avoid showing you the same introduction materials repeatedly. Valid for approximately 13 months, and you can absolutely opt out of these.

Specific Cookies We Deploy

Here's the actual technical breakdown for those who want specifics:

How to Manage Your Tracking Preferences

You've got several options here, and they're all legitimate choices.

Using Our Opt-Out Button

The simplest method? Just click the "Decline All Tracking" button at the top of this page. It'll remove all non-essential cookies and set a preference marker so we remember your choice. You'll still get essential functionality cookies because those keep the site working, but analytics and marketing tracking stops immediately.

Browser-Level Controls

Every modern browser lets you block or delete cookies. Here's where to find those settings:

• Chrome

  Settings → Privacy and security → Cookies and other site data. You can block third-party cookies, block all cookies, or clear existing ones. Blocking all cookies will break many websites, including ours.

• Firefox

  Settings → Privacy & Security → Cookies and Site Data. Firefox offers a "Standard" protection that blocks many trackers while keeping sites functional. Their "Strict" mode blocks more but can cause issues.

• Safari

  Preferences → Privacy → Manage Website Data. Safari blocks most third-party cookies by default. You can remove specific cookies or clear everything.

• Edge

  Settings → Cookies and site permissions → Manage and delete cookies. Similar options to Chrome since they share underlying technology.

Mobile Device Settings

iOS users can enable "Prevent Cross-Site Tracking" in Settings → Safari. Android users have similar controls in Chrome's mobile settings under Site Settings → Cookies.

How Tracking Improves Your Experience

I know "we use this to improve your experience" sounds like marketing talk, but here are actual examples from our site:

In late 2024, our analytics showed that over 60% of users were abandoning our contingency calculator halfway through. We dug into the data and realized the form was asking for information most people didn't have on hand. We redesigned it to save progress automatically and let people come back later. Problem solved.

We also noticed that mobile users were spending significantly less time with our scenario planning tools. Turned out the interface wasn't adapting well to smaller screens. Without analytics tracking, we wouldn't have caught that—the site looked fine in our testing, but real-world usage patterns told a different story.

Marketing cookies help us avoid wasting your time too. If you've already downloaded our emergency fund guide, we stop promoting it to you. Instead, you might see information about our more advanced contingency strategies. Not perfect, but better than showing you the same beginner material repeatedly.

Data Retention and Your Information

Cookie data doesn't live forever. Here's our retention schedule:

Session cookies disappear when you close your browser. Analytics data gets anonymized after 14 months—we keep the patterns but strip identifying information. Marketing attribution data expires after 13 months. Your preference settings (like that "Decline All Tracking" choice) stick around for 12 months before we ask again.

If you create an account with us, that's separate from cookie data. Account information follows our main privacy policy, which you can review at morvanelixio.com/privacy. Cookie data and account data are connected but managed differently.

Your Rights Regarding Tracking Data

Under Australian privacy law, you can request to see what tracking data we've collected about you. You can also ask us to delete it, though that won't affect data we've already aggregated and anonymized.

Send data requests to info@morvanelixio.com with "Data Access Request" in the subject line. We'll respond within 30 days. Be aware that we'll need to verify your identity before releasing any information.

Changes to This Policy

We update this policy when our tracking practices change. Last major revision was December 2024 when we switched analytics providers. Next review is scheduled for June 2025.

When we make significant changes, we'll notify you through the website. If you have an account, you'll also get an email. We won't reduce your privacy protections without giving you the option to opt out first.

Minor updates—like adding a new cookie name to our documentation table—happen without notification. We maintain a change log at the bottom of this page showing when updates occurred, though we don't detail every tiny edit.