What Are Cookies and How Do We Use Them?

Cookies are small text files that websites place on your device. Think of them as digital sticky notes that help us remember things about your visit. When you browse moraviquetra.com, these files help us provide you with a smoother experience and show you content that's actually relevant to your savings goals.

We're not storing your life story here. Cookies hold basic info like language preferences, which pages you visited, and whether you're logged into your account. Most are temporary and disappear when you close your browser, while others stick around to remember you next time.

Types of Cookies We Use

Why Cookies Actually Help You

Look, we could run moraviquetra.com without most cookies, but your experience would be pretty frustrating. Every time you'd visit, you'd need to reset your preferences, log in again, and start from scratch with our savings calculators.

• Your savings plan comparisons stay saved as you browse different pages
• The site remembers which currency format you prefer seeing
• We can show you relevant articles based on which financial topics you've explored
• Your dashboard stays customized the way you set it up
• Form fields remember your input if you accidentally navigate away
• We can detect and prevent suspicious login attempts to protect your account

Without functional and analytics cookies, we'd be guessing about what features actually help Australians plan their savings better. That would lead to a worse website for everyone.

Third-Party Cookies

Sometimes other companies' cookies end up on your device through our site. This happens when we embed content from external services or use analytics tools that help us understand user behavior.

Who Sets Third-Party Cookies

• Analytics providers that help us measure site performance and user engagement
• Payment processors that handle secure transactions for plan enrollments
• Content delivery networks that speed up page loading times
• Social media platforms if you choose to share our savings tips

We don't control what these third parties do with their cookies, but we only work with reputable companies that follow Australian privacy standards. Still, you should read their privacy policies too if you're concerned about specific services.

How Long Cookies Stick Around

Different cookies have different lifespans, depending on what they're meant to do.

We regularly review and clean up cookies that are no longer necessary. As our website evolves, we remove tracking that's become redundant or outdated.

Taking Control of Your Cookies

You've got several options for managing cookies on moraviquetra.com. The button at the top of this page lets you reject all non-essential cookies in one click. That means we'll only use the absolute minimum needed to keep the site functioning.

Browser Controls

Every modern browser gives you tools to manage cookies directly. You can block all cookies, delete existing ones, or set up rules for specific websites. Just be aware that blocking essential cookies will probably break parts of the website.

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Cookies and site permissions → Manage and delete cookies

Most browsers also offer a "Do Not Track" setting, though not all websites respect this signal. We do honor it by limiting non-essential tracking when it's enabled.

Updates to This Policy

We update this policy when we change how we use cookies or when Australian privacy regulations evolve. The date at the top shows when we last revised it. Major changes will be announced through email to registered users and a notification banner on the website.

We won't make significant changes to how we use cookies without giving you a chance to review and adjust your preferences. Your consent matters, and we're not going to sneak in new tracking without telling you.