How We Use Tracking Technologies
Understanding what happens when you visit jovariluento.com and how you can control your privacy preferences
What Are Tracking Technologies?
When you browse jovariluento.com, small data files get stored on your device. These help us remember your preferences and understand how people use our budgeting tools. Think of them as digital sticky notes that help the website work better for you.
We're transparent about this because your privacy matters. You should know what's happening behind the scenes when you're learning about personal finance.
Types of Tracking We Use
Essential
These keep the site functional. They remember if you're logged in and maintain your session. Without these, the budgeting calculator wouldn't save your inputs.
Functional
These remember choices you make, like currency preferences or whether you've completed certain learning modules. They make returning visits smoother.
Analytics
We track which budgeting resources get used most. This helps us improve content that actually helps people. All data is anonymized.
Marketing
These track your interests across sites. We use them to show relevant educational content. You can opt out entirely with the button above.
How Tracking Improves Your Experience
- Saves your progress through budgeting courses so you can pick up where you left off
- Remembers your preferred view for financial calculators (simple vs detailed)
- Tracks which resources you've already downloaded to prevent duplicates
- Shows you learning paths based on topics you've explored
- Helps us identify broken links or confusing navigation patterns
- Measures which budgeting strategies resonate most with Australian users
- Allows us to A/B test new features before rolling them out widely
In early 2025, we noticed many users were abandoning the debt payoff calculator halfway through. Analytics showed a confusing step three. We redesigned it, and completion rates jumped. That's the kind of improvement tracking enables.
Managing Through Your Browser
Every browser lets you block or delete tracking data. The exact steps vary, but most have settings under privacy or security sections. Here's what to look for:
Chrome
Firefox
Safari
Edge
Blocking all tracking might break some features. The budgeting tools need at least essential data to function. But analytics and marketing can be disabled without affecting your ability to learn.
Data Retention and Control
Essential tracking stays active during your session and expires when you close the browser. Functional preferences last up to 12 months. Analytics data gets anonymized after 90 days and aggregated into usage reports.
Marketing identifiers persist for 13 months unless you opt out. When you click the opt-out button above, we immediately clear non-essential tracking and set a preference flag that tells our systems not to collect that data again.
You can request a full data export or deletion at any time. Send an email to our privacy team, and we'll process it within 30 days. We're required to keep some financial education access logs for legal compliance, but personal identifiers get removed.
Third-Party Services
We use a few external services that place their own tracking. Google Analytics helps us understand traffic patterns. Occasionally we embed videos from platforms like YouTube, which have their own policies.
When you opt out on our site, it only affects jovariluento.com tracking. Third-party services need separate opt-outs. Most respect Do Not Track signals from your browser settings.
Updates to This Policy
As we add features or change tools, our tracking needs might shift. Any major changes get posted here with a notice on the homepage. We last updated this in March 2025 to clarify retention periods.
Check back occasionally if you're curious about what's changed. We'll never use tracking data in ways beyond what's described here without updating this page first.
Questions About Privacy?
We're happy to explain anything that's unclear.
Email: info@jovariluento.com
Phone: +61 409 884 451
3/60 McMinn St, Darwin City NT 0800, Australia