What Are Cookies?

Cookies are small text files stored on your device when you visit our site. They help us remember your preferences, understand how you use panorixevla.com, and improve your experience with our financial goal-setting tools.

We use these tracking technologies to make your visits smoother and more personalized. Some cookies remember your calculator settings between sessions. Others help us figure out which features people actually use so we can focus our development efforts where they matter most.

Types of Cookies We Use

Different cookies serve different purposes on panorixevla.com. Here's what each category does and why we use them:

How Cookies Improve Your Experience

When you use our retirement calculator, cookies remember the assumptions you entered last time. That saves you from re-entering your age, current savings, and expected retirement date every single visit.

Analytics cookies show us that most people abandon our debt payoff calculator on the third step. That insight led us to redesign that section completely in early 2025, reducing confusion and helping more Australians create realistic debt elimination plans.

Marketing cookies help us avoid showing you ads for programs you've already completed. If you've already downloaded our emergency fund guide, we won't keep promoting it to you across the web.

Data Retention Periods

Different cookies stay active for different lengths of time based on their purpose:

Managing Cookies Through Your Browser

Every major browser gives you control over cookie settings. You can block all cookies, accept only first-party cookies, or delete cookies after each session. Just know that blocking essential cookies will prevent certain features from working properly.

Third-Party Tracking

Some cookies on panorixevla.com come from external services we use to operate our platform. Google Analytics helps us measure site performance. Payment processors need their own cookies to securely handle transactions. Email service providers track whether you opened newsletters we send.

We only work with third-party services that maintain strict data protection standards. These partners cannot use your data for purposes beyond the specific service they provide to panorixevla. We review all third-party integrations annually to ensure they still meet our privacy requirements.

Your Data Rights

Under Australian privacy legislation, you have specific rights regarding the data we collect through cookies:

• Access any personal information collected through cookies and tracking technologies
• Request correction of inaccurate data stored in our systems
• Delete non-essential cookie data associated with your browsing history
• Export a copy of your data in a commonly used format
• Withdraw consent for optional cookie categories at any time
• Lodge a complaint with the Office of the Australian Information Commissioner

Updates to This Policy

We update this cookie policy whenever we add new tracking technologies or change how we use existing ones. The last update was March 2025 when we added more detailed explanations about retention periods and third-party cookies.

When significant changes happen, we'll notify you through email and a banner on panorixevla.com. Minor clarifications and formatting improvements won't trigger notifications, but we'll always maintain the revision date at the top of this page.