Last Updated: 9 Feb 2025

This Cookie Policy applies to FinSkeptics.com and explains how we use cookies and similar technologies on our website to enhance security, personalize content, and improve your experience. This policy should be read in conjunction with our Privacy Policy.

For any inquiries, you can contact us at: contact@finskeptics.com

1. What Are Cookies and Why Do We Use Them?

A cookie is a small file placed on your device when you visit a website. We use cookies for various purposes, including:

  • Keeping you logged in to your account.
  • Personalizing content based on your preferences.
  • Analyzing audience behavior to understand how users engage with our content.
  • Delivering marketing and advertising that is relevant to you.
  • Processing subscription payments securely.
  • Resolving technical issues and improving user experience.

In addition to cookies, we use other technologies such as trackers, pixels, and tags that collect data about your device and browsing behavior.

2. Do Cookies Collect Personal Information?

Sometimes. Certain cookies act as online identifiers, which means they can collect data that may be considered personal information under data protection laws.

We rely on the following legal bases to process personal data collected via cookies:

  • Consent – You agree to cookies via our cookie banner.
  • Performance of a contract – Some cookies are necessary to fulfill our services (e.g., processing subscription payments).
  • Legitimate interests – Certain analytics cookies help us improve our website functionality.

You can modify your cookie preferences at any time using the Manage Cookies section of our website.

3. How Long Do Cookies Stay on Your Device?

Cookies remain on your device for different durations:

  • Session Cookies – These are temporary and expire when you close your browser.
  • Persistent Cookies – These remain stored on your device until they expire or you manually delete them.

We limit cookie retention to a maximum of 12 months, after which you will be asked to confirm your cookie preferences again.

4. Types of Cookies We Use

We group our cookies into five categories:

A. Essential Cookies (Strictly Necessary)

  • Required for the website to function properly.
  • Help with security, fraud detection, and login authentication.
  • Do not require user consent.

B. Functional Cookies

  • Store your preferences (e.g., language selection, login details).
  • Improve usability by making the site more personalized.
  • May require your consent, depending on your location.

C. Analytics Cookies

  • Help us understand how users interact with the website.
  • Measure traffic, session duration, and user behavior.
  • Examples: Google Analytics and other similar tracking tools.
  • May require consent based on your location.

D. Advertising Cookies

  • Enable personalized advertising based on your browsing habits.
  • Help manage ad frequency (limiting how often you see a particular ad).
  • May be set by FinSkeptics.com or trusted advertising partners.
  • If you opt out, ads will still appear but will not be personalized.

E. Marketing Cookies

  • Track your engagement with marketing campaigns.
  • Used for email marketing, promotional offers, and remarketing ads.
  • Require user consent in most regions.

5. First-Party vs. Third-Party Cookies

  • First-Party Cookies – Set directly by FinSkeptics.com and only accessible by us.
  • Third-Party Cookies – Set by external services (e.g., Google Ads, YouTube, or analytics providers).

We restrict the use of third-party cookies to trusted partners.

6. How to Manage Your Cookie Preferences

You can change your cookie settings at any time through:

Disabling cookies may affect your experience on FinSkeptics.com, including login persistence, saved preferences, and content recommendations.

7. Frequently Asked Questions (FAQs)

A. Will I still be able to access content if I disable cookies?

Yes, but certain features may not work properly. For example, you may have to log in every time you visit.

B. How long do cookies last?

Most cookies expire within 12 months, but some essential cookies may persist longer.

C. If I opt out of cookies, will I still see ads?

Yes, but they will not be personalized.

D. Can I use the Global Privacy Control (GPC)?

Yes, if you are based in the United States, we honour GPC settings in supported browsers.

8. Changes to This Policy

We may update this Cookie Policy periodically. If changes are significant, we will notify users via email or a site announcement.

9. Contact Us

For more information about how we use cookies, please reach out to: contact@finskeptics.com

By using FinSkeptics.com, you consent to our use of cookies as outlined in this policy. If you do not agree, please adjust your cookie settings accordingly.