Cookie Policy
This policy explains how MonetAdvice uses cookies and similar browser technologies, including local storage.
Current use of browser storage
MonetAdvice does not currently use analytics cookies, advertising cookies, tracking pixels, or affiliate tracking cookies. The site stores a first-party privacy-preference record in your browser so it can remember whether you accepted or rejected optional categories. That record is retained for up to 180 days unless you delete it sooner.
What cookies and similar technologies are
Cookies are small text files stored by a website in your browser. Similar technologies, including local storage, can remember preferences or other information on a device. This policy uses “browser storage” to refer to both cookies and similar technologies unless a distinction is necessary.
Storage categories
Necessary storage supports requested site functions and remembers your privacy choice. Functional storage may remember optional interface settings. Analytics storage would help measure site usage. Advertising storage would support ads, frequency controls, and related measurement. Optional categories remain disabled unless you allow them, and MonetAdvice currently has no analytics or advertising provider connected.
Debt calculator information
Debt balances, APRs, minimum payments, and payoff results are calculated locally in your browser and are not currently stored as cookie or local-storage data by MonetAdvice. Generated share actions use a clean calculator URL and do not place debt inputs in it.
Global Privacy Control
When a browser sends a Global Privacy Control signal, MonetAdvice treats it as an opt-out of targeted advertising and sale or sharing of personal information where applicable. The advertising preference remains disabled while that signal is active.
Change or withdraw your choice
Use “Cookie preferences” in the footer at any time to review or change optional categories. You can also remove stored preferences through your browser settings. Rejecting optional storage does not prevent you from using the debt payoff calculator.
Third-party services
If analytics, advertising, embedded media, or other third-party services are introduced, this policy and the preference controls will be updated before those optional technologies are enabled. Hosting providers may still process technical request information needed to deliver and secure the site; see the Privacy Policy.
Future analytics and advertising
Google Search Console may be used to understand search visibility without adding an analytics cookie to the site. If privacy-focused Vercel Web Analytics is enabled, the provider and collected aggregate data will be disclosed before activation. Before Google AdSense serves ads to visitors in the EEA, United Kingdom, or Switzerland, MonetAdvice will replace or integrate the current preference interface with a Google-certified consent management platform that supports the required consent signals.
Policy updates
Effective July 25, 2026. MonetAdvice may update this policy when browser storage practices, service providers, or legal requirements change. Material changes will be reflected on this page with a revised effective date.