Cookie Policy

Effective Date: January 15, 2024

Last Updated: January 15, 2024

1. What Are Cookies?

Cookies are small text files that are stored on your computer or mobile device when you visit our website. They help us provide you with a better user experience, analyze website usage, and deliver educational content more effectively.

2. Types of Cookies We Use

2.1 Essential Cookies

2.2 Analytics Cookies

2.3 Functional Cookies

2.4 Performance Cookies

3. Third-Party Cookies

We may use third-party services that set their own cookies. These include:

3.1 Google Analytics

• Purpose: Website traffic analysis and user behavior insights
• Cookies: _ga, _gid, _gat_gtag
• Privacy Policy: Google Privacy Policy
• Opt-out: Google Analytics Opt-out

3.2 Content Delivery Network (CDN)

• Purpose: Faster loading of website resources
• Cookies: Performance and caching cookies
• Duration: Various (typically 30 days to 1 year)

4. How We Use Cookie Information

We use information collected through cookies for the following purposes:

4.1 Website Functionality

• Maintaining your session while browsing
• Remembering your preferences and settings
• Providing personalized educational content
• Ensuring website security and preventing fraud
• Loading website resources efficiently

4.2 Analytics and Improvement

• Understanding which educational content is most valuable
• Analyzing user navigation patterns
• Identifying technical issues and performance problems
• Measuring the effectiveness of our educational programs
• Improving website design and user experience

4.3 Educational Content Optimization

• Tracking which financial education topics are most popular
• Understanding user learning preferences
• Customizing content recommendations
• Improving search functionality
• Optimizing content for different devices

5. Cookie Consent and Control

5.1 Consent Management

When you first visit our website, you'll see a cookie notice explaining our use of cookies. By continuing to use the website, you consent to our use of cookies as described in this policy.

5.2 Managing Your Cookie Preferences

You have several options for managing cookies:

• Browser Settings: Most browsers allow you to control cookies through their settings
• Opt-out Tools: Use third-party opt-out tools for analytics cookies
• Private Browsing: Use incognito/private browsing mode
• Cookie Management Extensions: Install browser extensions for granular control

6. Browser-Specific Cookie Controls

6.1 Google Chrome

1. Click the three dots menu → Settings
2. Click "Privacy and security" → "Cookies and other site data"
3. Choose your preferred cookie settings
4. Manage site-specific permissions

6.2 Mozilla Firefox

1. Click the menu button → Options/Preferences
2. Select "Privacy & Security"
3. Under "Cookies and Site Data," adjust settings
4. Click "Manage Data" for site-specific controls

6.3 Safari

1. Click Safari → Preferences
2. Click the "Privacy" tab
3. Adjust "Block cookies" settings
4. Click "Manage Website Data" for specific sites

6.4 Microsoft Edge

1. Click the three dots menu → Settings
2. Click "Cookies and site permissions"
3. Click "Cookies and site data"
4. Adjust your cookie preferences

7. Mobile Device Cookie Management

7.1 iOS Safari

1. Settings → Safari
2. Toggle "Block All Cookies" on/off
3. Or choose "Block Cross-Site Tracking"

7.2 Android Chrome

1. Chrome app → three dots menu → Settings
2. Site settings → Cookies
3. Toggle cookies on/off or manage exceptions

8. Impact of Disabling Cookies

If you disable cookies, some website features may not work properly:

8.1 Essential Functions Affected

• Login and session management
• Form submission functionality
• Security features
• Accessibility features

8.2 Enhanced Features Affected

• Personalized content recommendations
• Preference settings
• Educational progress tracking
• Customized user interface

9. Data Security and Storage

We protect cookie data through:

• Encryption: Sensitive cookie data is encrypted
• Secure Transmission: Cookies are transmitted over HTTPS
• Access Controls: Limited access to cookie data
• Regular Audits: Periodic security reviews
• Data Minimization: We collect only necessary cookie data

10. International Data Transfers

Some cookies may involve international data transfers. We ensure appropriate safeguards are in place when transferring cookie data internationally, including:

• Standard Contractual Clauses (SCCs)
• Adequacy decisions by relevant authorities
• Certification schemes
• Codes of conduct

11. Children's Privacy

Our website is not intended for children under 13. We do not knowingly collect information from children through cookies. If you believe a child has provided information through our cookies, please contact us immediately.

12. Cookie Retention Periods

13. Updates to This Cookie Policy

We may update this Cookie Policy periodically to reflect changes in our practices or applicable laws. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email notifications to subscribers
• Displaying prominent notices on our website
• Updating the "Last Updated" date

14. Your Rights Regarding Cookies

Depending on your location, you may have rights regarding cookies, including:

• Right to Information: Know what cookies we use and why
• Right to Control: Manage your cookie preferences
• Right to Withdraw Consent: Change your mind about cookie consent
• Right to Deletion: Request deletion of cookie data
• Right to Portability: Receive your cookie data in a portable format

15. Contact Information

If you have questions about our Cookie Policy or want to exercise your rights regarding cookies, please contact us:

Privacy Officer
GiftMoni.org LLC
1000 Brickell Avenue, Suite 715
Miami, FL 33131
United States

Email: [email protected]
Cookie Questions: [email protected]
General Support: [email protected]
Phone: +1 (305) 428-7900

16. Useful Resources

For more information about cookies and online privacy:

• All About Cookies: www.allaboutcookies.org
• Network Advertising Initiative: www.networkadvertising.org
• Digital Advertising Alliance: www.aboutads.info
• European Interactive Digital Advertising Alliance: www.youronlinechoices.eu

17. Related Policies

This Cookie Policy should be read alongside our other privacy and legal documents:

• Privacy Policy
• Terms of Service
• Legal Information
• Disclaimer

Remember: You have control over cookies. While some cookies are essential for website functionality, you can manage most cookies through your browser settings. If you need help managing cookies or have concerns about privacy, please don't hesitate to contact us.