Cookies Policy

1. Introduction & Scope

This Cookies Policy explains how Informer Money (“we,” “our,” or “us”) uses cookies and similar tracking technologies on our website located at https://www.informermoney.com (the “Site”). It should be read alongside our Privacy Policy, which provides broader information about how we handle your personal data.

This policy applies to all visitors to our Site, regardless of location. We are committed to transparency about the technologies we use and the choices available to you — including the rights that apply to residents of the European Economic Area (EEA), the United Kingdom (UK), and various US states.

By continuing to browse the Site after being presented with our cookie consent notice (where required), you agree to our use of cookies as described in this policy. Where your consent is required by law, we will obtain it before placing non-essential cookies on your device.

2. What Are Cookies & Similar Technologies?

2.1 Cookies

Cookies are small text files placed on your device (computer, tablet, or smartphone) by a website you visit. Cookies are widely used to make websites work efficiently, to remember your preferences, and to provide information to website owners.

Cookies can be:

• First-party cookies — set directly by Informer Money.
• Third-party cookies — set by external services operating on our behalf (e.g., analytics or advertising partners).
• Session cookies — temporary cookies deleted when you close your browser.
• Persistent cookies — cookies that remain on your device for a defined period or until manually deleted.

2.2 Similar Technologies

In addition to cookies, we and our partners may use other tracking technologies, including:

Throughout this policy, the term “cookies” refers collectively to all of the above technologies unless otherwise specified.

3. Categories of Cookies We Use

We group the cookies and similar technologies on our Site into the following four categories, consistent with the International Chamber of Commerce (ICC) UK Cookie Guide and applicable data protection standards.

3.1 Strictly Necessary Cookies

These cookies are essential for the Site to function properly. Without them, services you have requested (such as navigating between pages securely) cannot be provided. They do not require your consent under GDPR/ePrivacy or UK PECR, but we disclose them here in the interest of full transparency.

Purpose examples: Site security, load balancing, maintaining your consent preferences, preventing cross-site request forgery.

3.2 Preference (Functional) Cookies

These cookies allow the Site to remember choices you make (such as your newsletter preferences or display settings) and provide enhanced, personalized features. They do not collect information that could be used to track you across the internet.

Purpose examples: Remembering subscription preferences, language settings, and reading history within a session.

3.3 Analytics & Performance Cookies

These cookies collect information about how visitors use the Site — for example, which pages are visited most often and whether users receive error messages. All information is aggregated and used only to improve how the Site works. These cookies require your consent where applicable under GDPR/UK PECR.

Providers: Google Analytics, Microsoft Clarity.

3.4 Advertising & Targeting Cookies

These cookies are used to deliver advertisements and sponsored content relevant to your interests, both on and off our Site. They also help us measure the effectiveness of our advertising campaigns. They are placed by us and by our third-party advertising partners. These cookies require your consent under GDPR/UK PECR and may be subject to opt-out rights under US state privacy laws.

Purpose examples: Remarketing, interest-based advertising, conversion tracking, affiliate click tracking.

4. Cookie Table

The table below lists the cookies we have identified or reasonably infer are in use on the Site. Where a specific cookie cannot be independently verified at the time of this policy's publication, it is marked [May Be Used] and verified through browser developer tools or an audit tool (e.g., CookieMetrix or Cookiebot Scanner) prior to final publication.

How to verify: Open your browser's DevTools (F12 → Application → Cookies or Storage), navigate the Site with and without accepting cookies, and compare cookie names against this table.

4.1 Strictly Necessary Cookies

4.2 Preference (Functional) Cookies

4.3 Analytics & Performance Cookies

4.4 Advertising & Targeting Cookies

5. Third-Party Cookies & Service Providers

We use the following named third-party services that may set cookies or deploy tracking technologies on or in connection with our Site:

5.1 Google Analytics

• Provider: Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA.
• Purpose: We use Google Analytics to collect statistical data about how visitors interact with our Site, including page views, session duration, traffic sources, and user behavior. This data is used solely to improve our content and user experience.
• Data transfers: Data may be transferred to and processed in the United States. Google participates in the EU–US Data Privacy Framework and provides appropriate safeguards for international transfers.
• Data sharing setting: We have implemented or recommend enabling the IP anonymization / IP masking feature in GA4. We do not enable Google signals for advertising personalization without consent where GDPR/UK PECR applies.
• Opt-out: Google Analytics Opt-out Browser Add-on | Google Privacy Policy

5.2 Microsoft Clarity

• Provider: Microsoft Corporation, One Microsoft Way, Redmond, WA 98052, USA.
• Purpose: Microsoft Clarity is a behavioral analytics tool that captures session recordings, heatmaps, and click maps to help us understand how users navigate the Site, identify usability issues, and improve the reader experience.
• Important: Clarity's session recording technology may capture on-screen activity including scroll depth, mouse movements, and clicks. We have configured or recommend configuring Clarity to mask sensitive input fields to prevent capture of personal information entered into forms.
• Data transfers: Data may be processed in the United States under Microsoft's standard contractual clauses.
• Opt-out: Microsoft Privacy Settings | Microsoft Privacy Policy

5.3 Email Marketing Platform

• Provider: [To be confirmed — e.g., Mailchimp / Beehiiv / ConvertKit / Kit. Identify from the newsletter sign-up form source code or embed scripts.]
• Purpose: We use an email marketing platform to manage newsletter subscriptions, deliver weekly financial content, and track email engagement (open rates, click-through rates). The platform may place cookies or use pixels in emails to measure performance.
• Opt-out: Subscribers may unsubscribe at any time via the link in each email or by contacting us at [email protected].

5.4 Advertising & Ad Technology Partners

We may work with third-party advertising networks and affiliate platforms to display sponsored content and measure ad performance. [Specific ad vendors — e.g., Google AdSense, a display ad network, or affiliate platforms such as CJ Affiliate / Impact — to be confirmed via a cookie audit. Insert verified vendors here.]

These partners may independently set cookies on your device subject to their own privacy policies. We encourage you to review those policies directly.

5.5 Content Delivery & Infrastructure

We may use third-party infrastructure services (such as Sanity.io for content delivery, as inferred from our CDN image URLs) that may set technical cookies strictly necessary for delivery of our content. These are strictly necessary cookies and do not require consent.

6. Consent & Managing Your Cookie Preferences

6.1 Our Cookie Consent Banner

When you first visit the Site (where legally required — typically for EEA/UK visitors, and in line with best practice globally), you will be shown a cookie consent banner that allows you to:

• Accept all cookies — including analytics and advertising cookies.
• Reject non-essential cookies — only strictly necessary cookies will be used.
• Manage preferences — select which categories of cookies you consent to on a granular basis.

Your preference is saved and remembered for a period of up to 12 months, after which we will ask for your consent again. You may change your preference at any time by accessing our [Cookie Preferences / Manage Cookies] link (insert link to your CMP preference center here).

Note: If you do not see a consent banner, please confirm that your Consent Management Platform (CMP) is correctly deployed and active. See the “Items to Confirm” checklist below.

6.2 Browser Controls

Most web browsers allow you to manage cookies through their settings. You can typically:

• Block all cookies — prevents all websites from setting cookies.
• Block third-party cookies — prevents external services from setting cookies while allowing first-party cookies.
• Delete existing cookies — removes cookies already placed on your device.
• Receive a warning before a cookie is placed.

Browser-specific instructions:

Please note: Blocking or deleting cookies may affect the functionality of our Site and other websites. Some features, particularly those related to newsletter preferences, may not work correctly.

6.3 Device-Level Controls (Mobile)

• iOS (iPhone/iPad): Settings → Safari → Privacy & Security → Block All Cookies; or Settings → Privacy → Tracking → Allow Apps to Request to Track.
• Android: Browser settings → Site settings → Cookies; or Settings → Privacy → Ads for interest-based advertising controls.

6.4 Do Not Track (DNT)

Some browsers offer a “Do Not Track” (DNT) signal that you can enable to request that websites not track your browsing behavior. Currently, there is no universally agreed standard on how websites should respond to DNT signals, and most third-party services (including Google Analytics and Microsoft Clarity) do not alter their behavior based on DNT alone. We therefore do not currently respond to DNT signals, but we honor the consent choices you express through our cookie banner and the opt-out mechanisms described in this policy. This may be revisited as industry standards evolve.

6.5 Global Privacy Control (GPC)

We recognize the Global Privacy Control (GPC) signal as an opt-out of the sale or sharing of your personal information for targeted advertising purposes, to the extent required under applicable US state law (including California). If your browser or browser extension transmits a GPC signal, we will endeavor to treat it as a valid opt-out request.

7. Opt-Out Options for Analytics & Advertising

7.1 Analytics Opt-Outs

7.2 Advertising & Targeted Advertising Opt-Outs

You may opt out of interest-based advertising from many participating ad networks through the following industry-standard mechanisms:

Please note: Opting out through these mechanisms does not prevent you from seeing all advertisements; it means you may see generic, non-personalized ads rather than interest-based ads. Opt-outs are device- and browser-specific — you will need to repeat the process on each device and browser you use.

7.3 Withdrawing Consent

Where we rely on your consent to place cookies, you may withdraw that consent at any time by:

1. Adjusting your browser cookie settings as described in Section 6.2.
2. Contacting us at [email protected] and requesting that we provide guidance on removing specific cookies.

Withdrawal of consent does not affect the lawfulness of processing based on consent before its withdrawal.

8. International Users

8.1 EEA & UK Users (GDPR / UK GDPR / ePrivacy / PECR)

If you are located in the European Economic Area (EEA) or the United Kingdom (UK), the following applies:

• We will only place non-essential cookies (analytics, preferences, and advertising cookies) on your device after obtaining your freely given, specific, informed, and unambiguous consent, delivered through our cookie banner.
• You have the right to withdraw your consent at any time without detriment, using the methods described in Section 7.3.
• Certain cookies used by our third-party providers (e.g., Google, Microsoft) may result in transfers of personal data to the United States. Such transfers are conducted pursuant to appropriate safeguards, including Standard Contractual Clauses (SCCs) and, where applicable, reliance on adequacy decisions or the EU–US Data Privacy Framework.
• You may exercise your data subject rights (access, rectification, erasure, restriction, portability, objection) by contacting us at [email protected]. You also have the right to lodge a complaint with your local supervisory authority (e.g., the ICO in the UK, or your national DPA in the EEA).

8.2 US State Privacy Rights

If you are a resident of California, Virginia, Colorado, Connecticut, Texas, or another US state with applicable privacy legislation, you may have rights relating to the use of cookies and tracking technologies for advertising purposes:

• Right to Opt Out of Sale/Sharing: Some cookies and tracking technologies we use for targeted advertising may constitute the “sale” or “sharing” of personal information under applicable state law (including the CCPA/CPRA in California). You may opt out by:
  • Using our cookie banner to decline advertising cookies.
  • Submitting a Do Not Sell or Share My Personal Information request by emailing [email protected] with the subject line “Do Not Sell/Share — Cookie Opt-Out.”
  • Enabling the Global Privacy Control (GPC) signal in your browser (see Section 6.5).
• Right to Opt Out of Targeted Advertising: Residents of Virginia, Colorado, Connecticut, Texas, and other covered states may opt out of the processing of personal data for the purposes of targeted advertising by the same methods described above.
• Right to Know: You have the right to know what categories of personal information are collected through cookies. Please refer to the cookie table in Section 4 and our Privacy Policy for full details.
• Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
• Authorized Agents (California): California residents may designate an authorized agent to submit opt-out requests on their behalf by contacting us with written authorization.

9. Updates to This Policy

We may update this Cookies Policy from time to time to reflect changes in technology, legal requirements, or our business practices. When we make material changes, we will update the “Last Updated” date at the top of this page. Where required by law, we may provide additional notice (such as a banner notification on the Site).

We encourage you to review this policy periodically to stay informed about how we use cookies and how you can manage your preferences.

Your continued use of the Site after any updates constitutes your acknowledgment of those changes, subject to the consent requirements described in this policy.

10. Contact Us

If you have any questions, concerns, or requests relating to this Cookies Policy or the use of cookies on our Site, please contact us at https://www.informermoney.com/contact.