Cookies are small text files stored on your device when you visit tarnisevaloq.com. They help us remember your preferences, track your interactions with our cash flow budgeting tools, and provide personalized recommendations for your financial management needs.

Beyond traditional cookies, we also use web beacons, pixel tags, and local storage technologies. These tools collect information about how you navigate our platform, which budgeting features you use most frequently, and how you interact with our educational content about Australian financial planning.

Our tracking systems monitor user behavior patterns to identify common challenges in cash flow management. This data helps us develop better budgeting algorithms and create more relevant financial insights for our Australian client base.

• Automatic saving of your budget templates and expense categories, so you never lose progress on complex financial planning projects
• Personalized dashboard recommendations based on your spending patterns and financial goals, tailored to Australian market conditions
• Smart notifications about cash flow trends and potential budget issues before they impact your financial stability
• Customized educational content suggestions that match your current financial learning needs and experience level
• Streamlined login process that remembers your preferred settings while maintaining security protocols
• Performance optimizations that reduce loading times for the budgeting tools you use most frequently
• Regional content customization that reflects Australian financial regulations and market conditions

Most cookies expire automatically after 12 months, though essential security cookies may last up to 24 months. Session cookies are deleted when you close your browser, while persistent cookies remain until their expiration date or until you manually delete them.

You maintain complete control over your data through your account dashboard. You can download your financial data, modify tracking preferences, or request complete account deletion at any time. Our team processes data deletion requests within 30 days of receipt.

For marketing and analytics data, you can opt out through your privacy settings without affecting the core functionality of your budgeting tools. This granular control ensures you can customize your privacy level while maintaining access to essential features.

Remember that disabling certain cookies may limit functionality of our budgeting tools. Essential cookies cannot be blocked without affecting your ability to access secure areas of your account or maintain session data during budget creation.