Cookie Policy
Last Updated: January 2025
We use tracking technologies on klivoraskill.pro to improve your experience and understand how you interact with our content. This policy explains what these technologies are, why we use them, and how you can manage your preferences.
Think of cookies as helpful notes that remember your choices. When you visit our site, small text files get stored on your device. They help us recognize you when you return and remember things like your language preference or which pages you've already read.
What Are Cookies and How Do They Work
Cookies are tiny text files that websites place on your computer or mobile device. Each cookie contains information about your visit and usually includes a unique identifier. When you come back to our site, your browser sends these cookies back to us so we can recognize you.
It's not complicated. When you land on klivoraskill.pro for the first time, our server sends a cookie to your browser. Your browser stores it. Next time you visit, your browser says "hey, I've been here before" and sends that cookie back. This way, we know it's you returning rather than someone completely new.
Some cookies disappear when you close your browser. Others stick around for weeks or months. We use both types depending on what we're trying to accomplish.
First-Party and Third-Party Cookies
First-party cookies come directly from us at klivoraskill.pro. We set them and we control them. They help us understand how you use our learning materials and which topics interest families most when planning their investment education.
Third-party cookies come from services we use to analyze our site traffic and understand visitor behavior. These are set by companies like analytics providers. We don't control these directly, but we choose carefully which third parties we work with.
Types of Cookies We Use
Not all cookies serve the same purpose. Here's what we use and why it matters for your experience:
Essential Cookies
These keep the site running properly. They enable basic functions like page navigation and access to secure areas. Without these, the website simply wouldn't work correctly. You can't disable these through our system because the site needs them to function.
Functional Cookies
These remember your choices and preferences. Things like your preferred language or which region you're in. They make your experience more personalized without collecting information about your browsing on other sites.
Analytics Cookies
We use these to understand how visitors interact with our website. They tell us which pages get the most attention, how long people spend reading our investment education content, and where visitors tend to leave the site. All data is aggregated and anonymous.
Marketing Cookies
These track your journey across our website to build a picture of your interests. We might use this to show you relevant content or to limit how many times you see the same message. These cookies can track you across different websites too.
How Cookies Enhance Your Experience
Let me give you some real examples. When you visit our learning program pages and then come back later, cookies remember which courses you looked at. This helps us suggest related content that might interest your family.
If you start reading an article about teaching kids about compound interest and then leave the site, cookies can help you pick up where you left off when you return. We can show you a "continue reading" option instead of making you hunt for that article again.
For families exploring different investment education approaches, cookies help us understand which topics resonate most. If lots of visitors spend time on our pages about starting investment conversations with teenagers, we know to create more content in that area.
Improving Our Educational Content
Analytics cookies show us patterns. Maybe families in Ontario spend more time on RESP information while those in other provinces focus on general investment basics. This helps us tailor our content calendar and create resources that actually help Canadian families.
We can see if people bounce away from certain pages quickly. That tells us something isn't working. Maybe the content is too complex or doesn't answer the questions families actually have. Then we can improve it.
What Information We Collect
Through cookies and similar technologies, we gather several types of information:
- Pages you visit on klivoraskill.pro and how long you spend on each
- The links you click and the search terms you use within our site
- Your device type, browser, and operating system
- Your general location (usually just city or province level, not your exact address)
- The website that referred you to us
- Whether you're a returning visitor or new to our site
- Your preferences for site settings and display options
We don't collect personal information like your name or email address through cookies unless you've provided it to us directly through a form. Cookies work with anonymous identifiers, not your actual identity.
| Cookie Name | Purpose | Duration |
|---|---|---|
| session_id | Maintains your session as you navigate between pages | Session only |
| preferences | Remembers your site settings and display choices | 1 year |
| analytics_track | Collects anonymous usage statistics | 2 years |
| visitor_identifier | Distinguishes unique visitors for accurate counting | 6 months |
| content_progress | Tracks which articles or courses you've viewed | 3 months |
Managing Your Cookie Preferences
You have control over which cookies you accept. Most browsers let you refuse cookies or delete ones that have already been set. Keep in mind that disabling certain cookies might affect how well the site works for you.
Browser Settings
Each browser handles cookies differently, but they all give you options to manage them. Here's how to access cookie settings in popular browsers:
Common Browser Controls
- Chrome: Click the three dots in the top right, go to Settings, then Privacy and Security, and select Cookies and other site data. You can block all cookies, block only third-party cookies, or clear existing cookies here.
- Firefox: Click the menu button, select Options, then Privacy and Security. Under Cookies and Site Data, you can choose your blocking level and manage stored cookies.
- Safari: Go to Preferences, click Privacy, and you'll see options to block cookies and manage website data. Safari gives you choices between blocking all cookies, only third-party cookies, or allowing all.
- Edge: Click the three dots, go to Settings, select Privacy, search, and services. Under Cookies, you can choose blocking levels and clear browsing data including cookies.
- Mobile Browsers: Look for Settings within your browser app, then find Privacy or Site Settings. Options vary by browser and device, but you'll typically find cookie controls there.
What Happens When You Block Cookies
If you block all cookies, you can still browse our site and read our content. But you might lose some convenience features. We won't remember your preferences, so you'll need to reset your choices each visit. You might see the same messages repeatedly instead of us knowing you've already read them.
Some interactive features might not work properly without cookies. For instance, if we add progress tracking to our learning programs in the future, that feature would require cookies to remember where you left off.
Data Retention and Your Rights
We keep cookie data for as long as necessary to serve its purpose. Session cookies delete themselves when you close your browser. Persistent cookies stick around until their expiration date or until you delete them manually.
Analytics data gets aggregated and anonymized, so it no longer identifies individual visitors. We keep this aggregated data longer because it helps us understand trends over time. For example, seeing how interest in family investment education has grown year over year in Canadian markets.
You have the right to access information we hold about your visits. Since cookie data is mostly anonymous, there isn't much personal information to access. But if you've submitted forms with your email or contacted us directly, you can request to see what we have on file.
Updates to This Policy
Technology changes and so do privacy regulations. We update this policy when we change how we use cookies or when laws require us to handle data differently. When we make significant changes, we'll post a notice on our site so you're aware.
The "Last Updated" date at the top of this page shows when we last revised this policy. Check back occasionally if you want to stay informed about our practices.
Other Tracking Technologies
Besides cookies, we might use other technologies that work similarly:
Web beacons are tiny graphics embedded in pages or emails. They tell us if you've viewed a particular page or opened an email. These work with cookies to provide more complete information about how you interact with our content.
Local storage lets us store data directly in your browser. It's similar to cookies but can hold more information and doesn't expire automatically. We might use this for features that need to save more complex data about your preferences.
Analytics scripts run when you visit our pages and collect information about your session. These work alongside cookies to give us detailed insights into how families use our investment education resources.
All of these technologies serve the same basic purposes as cookies and you can manage them through your browser settings just like regular cookies.
Questions About Our Cookie Policy
If something in this policy isn't clear, or if you have concerns about how we use tracking technologies, get in touch. We're here to help Canadian families understand both financial education and how we handle their online privacy.
We store browsing data to improve how our platform works for you. This helps us remember your choices and understand what content matters most to families learning about investing.