Cookie Policy
How and why Spendzila uses cookies — explained in plain English.
🍪 Summary — Plain English
- We use minimal cookies — only what’s needed to run the site properly
- We use Google Analytics to understand traffic (anonymized — no personal data)
- We use Google AdSense cookies to show relevant advertisements
- We never store your financial calculator data in cookies — ever
- You can opt out or delete cookies at any time through your browser settings
Table of Contents
1. What Are Cookies?
Cookies are small text files that websites place on your device (computer, phone, or tablet) when you visit them. They help websites work properly, remember your preferences, and provide information to site owners about how their site is being used.
Cookies cannot execute programs or deliver viruses to your device — they are harmless text files. Session cookies are temporary and deleted when you close your browser. Persistent cookies remain on your device until they expire or you delete them.
2. Types of Cookies We Use
| Cookie Type | Purpose | Duration | Can Opt Out? |
|---|---|---|---|
| Essential / Functional | Required for the site to work — navigation, form submissions | Session | Required |
| Analytics (Google Analytics) | Understand how visitors use our site — pages viewed, time on site, traffic sources | Up to 2 years | Yes |
| Advertising (Google AdSense) | Display relevant advertisements based on browsing interests | Up to 13 months | Yes |
| Preference | Remember basic preferences (e.g., last-used calculator tab) | 30 days | Yes |
3. Google Analytics Cookies
Spendzila uses Google Analytics to understand how visitors interact with our website. This helps us improve our tools, content, and user experience. Google Analytics collects:
- Pages visited on Spendzila.com
- Time spent on each page
- General geographic location (country/city level only)
- Device type (mobile, desktop, tablet)
- Browser and operating system type
- Traffic source (how you arrived at our site)
Important: We have configured Google Analytics with IP anonymization enabled. Your full IP address is never stored. All data collected is aggregate and anonymous — we cannot identify individual users.
To opt out of Google Analytics: Install the Google Analytics Opt-out Browser Add-on — free and available for all major browsers.
4. Google AdSense Advertising Cookies
Spendzila.com displays advertisements through Google AdSense. AdSense uses cookies to show you ads relevant to your interests based on your browsing history. These cookies:
- Help Google show you relevant advertisements
- Measure the effectiveness of ads shown
- Prevent the same ads from showing repeatedly
Google AdSense cookies are subject to Google’s Privacy Policy. You can manage your Google ad preferences at adssettings.google.com.
To opt out of personalized ads: Visit Google Ad Settings. Note: opting out means less personalized ads — you’ll still see ads, just less relevant ones.
5. What We Do NOT Use Cookies For
- ❌ We never store your financial calculator inputs (income, expenses, loan amounts) in cookies
- ❌ We never collect personally identifiable information through cookies
- ❌ We never sell cookie data to third parties
- ❌ We never use social media tracking pixels (Facebook Pixel, TikTok Pixel, etc.)
- ❌ We never fingerprint your device or use invasive tracking methods
- ❌ We never use remarketing pixels beyond standard Google AdSense
6. How to Manage & Delete Cookies
You have full control over cookies through your browser settings. Most browsers allow you to view, delete, or block cookies at any time. Blocking essential cookies may affect some features of Spendzila — our financial tools will still work.
| Browser | How to Manage Cookies |
|---|---|
| Google Chrome | Settings → Privacy and Security → Cookies and other site data |
| Mozilla Firefox | Options → Privacy & Security → Cookies and Site Data |
| Safari | Preferences → Privacy → Manage Website Data |
| Microsoft Edge | Settings → Privacy, search, and services → Cookies |
| Opera | Settings → Advanced → Privacy & security → Cookies |
7. Third-Party Cookies
Some cookies on Spendzila.com are set by third-party services we use. We do not control third-party cookies — their use is governed by their own privacy policies.
| Third Party | Purpose | Privacy Policy |
|---|---|---|
| Google Analytics | Website traffic analysis | policies.google.com/privacy |
| Google AdSense | Advertising | policies.google.com/privacy |
| Google Fonts / Cloudflare | Performance optimization | policies.google.com/privacy |
8. Updates to This Policy
We may update this Cookie Policy from time to time to reflect changes in our practices or for legal or regulatory reasons. We will update the “Last Updated” date at the top of this page when changes are made. Your continued use of Spendzila.com after changes constitutes your acceptance of the updated policy.
9. Contact Us
If you have any questions about this Cookie Policy or how we use cookies, please contact us:
📧 Email: privacy@spendzila.com
🌐 Contact Page: spendzila.com/contact