Cookie Policy

What Are Cookies and How We Use Them

Cookies are small text files stored on your device when you visit paydyo.com. Think of them as digital breadcrumbs that help us remember your preferences and improve your budgeting journey. We've been refining our cookie usage throughout 2025 to better serve your financial planning needs.

Our platform uses various tracking technologies beyond traditional cookies, including local storage, session storage, and pixel tags. These work together to create a seamless experience when you're managing your finances, setting budget goals, or exploring our educational content.

Types of Tracking We Employ

• Essential Cookies
  These keep paydyo.com functional. They remember your login status, maintain your session security, and ensure core features like budget calculations work properly. Without these, our platform simply couldn't operate safely.
• Functional Cookies
  These remember your preferences – currency settings, dashboard layout choices, and notification preferences. They make returning to paydyo.com feel familiar and personalized to your budgeting style.
• Analytics Cookies
  We use these to understand which budgeting tools are most helpful, where users spend time learning, and what features might need improvement. This data helps us develop better financial planning resources.
• Marketing Cookies
  These track your journey across our educational content to show relevant financial tips and learning opportunities. They help us share useful budgeting insights that match your interests.

How Tracking Enhances Your Experience

When you create a budget template, functional cookies remember your preferred categories and calculation methods. This means you won't need to rebuild your setup each visit. Analytics help us understand which educational articles about budgeting techniques are most valuable, so we can create more content like that.

Marketing cookies work differently here than on shopping sites. Instead of pushing products, they help us suggest relevant learning resources. If you've been reading about emergency fund strategies, we might highlight our debt management guides or savings goal calculators.

Managing Your Browser Settings

Data Retention and Your Control

Most cookies we set expire within 12 months, though some essential security cookies last up to 2 years. Analytics data is anonymized after 14 months, and marketing tracking data is deleted after 26 months in line with current UK privacy expectations.

You can request deletion of your tracking data by contacting us directly. We'll process these requests within 30 days. Remember that deleting all cookies will reset your preferences and require you to log in again.

Third-Party Services

We work with analytics providers and educational content partners who may set their own cookies. These partners follow similar privacy standards, but each has their own policies. We regularly review these relationships to ensure they align with our commitment to user privacy.

Social media plugins and embedded content from our learning partners may also use tracking. We minimize these integrations and only include them when they add genuine value to your financial education experience.