Cookie & Data Usage Policy

Last updated: January 2025

We believe in being straightforward about how we use data on umbrinovarex.com. This page explains what cookies are, why we use them, and how you can control them. No jargon — just the practical information you need.

Cookies are small text files stored on your device when you visit our site. They help us remember your preferences, understand how you interact with our content, and improve your experience over time.

What We Track and Why

When you browse our site, we collect certain information to make things work properly and to understand what content helps our visitors most. We're not interested in surveilling you — we want to provide relevant financial education and business development resources.

Some tracking is technical. Without it, parts of the site wouldn't function. Other tracking helps us see which resources get used most, which pages need work, and where people get stuck. That's valuable feedback that shapes how we develop content.

Types of Tracking We Use

Essential Operations

These make the site work. They remember your session, keep forms functioning, and maintain security. You can't turn these off without breaking basic functionality.

Functional Preferences

These remember choices you make — like which courses you've bookmarked or whether you prefer simplified explanations. They save you from repeating yourself each visit.

Performance Analysis

We track which pages get viewed, how long people stay, and where they click. This shows us what's working and what needs improvement. All data is aggregated — we're not tracking individuals.

Content Personalization

Based on what you've read before, we might suggest related topics or resources. This helps you find relevant information faster without searching through everything.

How Tracking Improves Your Experience

  • We remember where you left off in multi-part learning resources, so you don't have to hunt for your place
  • Your preferred content format (detailed articles versus quick summaries) gets saved for future visits
  • We can suggest courses that align with topics you've shown interest in previously
  • Form data gets temporarily stored so you don't lose everything if your connection drops
  • We track which resources help people most, letting us create more of what actually works
  • Page load times and technical issues get monitored so we can fix problems before they affect everyone

Manage Your Cookie Preferences

Current Status: Default Settings Active

Essential Cookies You Can't Disable

Some tracking is necessary for the site to function. These cookies handle basic operations and can't be turned off without breaking things. Here's what falls into that category:

  • Session management that keeps you logged in while browsing different pages
  • Security tokens that prevent unauthorized access to your account information
  • Form submission handlers that process your inquiries and course enrollments
  • Load balancing cookies that distribute traffic across our servers efficiently
  • Your cookie preference choices themselves (ironically, we need a cookie to remember you rejected cookies)

Browser-Level Control Options

Beyond our preference system, you can manage cookies directly through your browser. Most browsers let you block all cookies, delete existing ones, or get notified before any cookie gets set. Keep in mind this affects every website you visit, not just ours.

Chrome users can find these settings under Privacy and Security. Firefox calls it Privacy & Security. Safari puts it under Preferences, then Privacy. Edge has it under Settings, Privacy, then Cookies. The exact path changes with browser updates, but searching for "cookies" in settings usually gets you there.

Blocking all cookies will break many websites. Most sites need at least some cookie functionality to work properly. You might find it practical to block third-party cookies while allowing first-party ones — that stops cross-site tracking while keeping individual sites functional.

Data Retention Periods

Different cookies stick around for different lengths of time. Session cookies disappear when you close your browser. Preference cookies might last several months so we don't forget your settings. Analytics data gets aggregated and individual identifiers are removed after 90 days.

We periodically review what data we're collecting and delete anything that's no longer useful. There's no point hoarding information we're not using. If you delete your account, we remove all associated preference and tracking data within 30 days.

Third-Party Services

Some functionality on umbrinovarex.com comes from external services. When you watch an embedded video or interact with certain features, those providers might set their own cookies. We choose partners carefully, but they operate under their own privacy policies.

Analytics tools help us understand site usage patterns. Email services handle course notifications. Payment processors manage financial transactions securely. Each of these has its own data practices. We work with established providers who take privacy seriously, but you should review their policies if you want complete information.

Changes to This Policy

We update this policy when our practices change or when regulations require it. The date at the top shows when we last revised it. Significant changes get announced through email to enrolled users and a notice on the site.

We're not going to send you notifications for minor wording tweaks or clarifications. But if we start collecting substantially different information or change how we use data, you'll hear about it directly.

Questions About Our Data Practices?

If something isn't clear or you have specific concerns about how we handle data, reach out. We're at 135 Abbott St, Cairns City QLD 4870, Australia. Call +61414909759 or email contact@umbrinovarex.com.

We respond to privacy inquiries within 48 business hours. For complex questions that need legal review, it might take a few days longer.