Cookie Policy

Summary

Money.Holdings uses essential local storage to run the site (no consent needed), plus two opt-in categories — analytics and advertising cookies — that only activate if you accept them in the cookie banner shown on your first visit. Nothing outside "essential" is ever set without your say-so, and you can change your mind at any time.

Cookies We Set

Name	Type	Duration	Purpose	Category
country	LocalStorage	1 year	Remembers your selected country (US/UK/AU) for currency, rates, and terminology	Essential
theme	LocalStorage	1 year	Remembers your light/dark mode preference	Essential
cookie-consent	LocalStorage	Until you change it	Stores your analytics/advertising choices from the cookie banner	Essential
_ga, _gid, _gat	Cookie	Up to 2 years	Google Analytics — usage statistics	Opt-in only
IDE, DSID, and similar	Cookie	Varies (Google-set)	Google-served advertising	Opt-in only

The two "Opt-in only" rows are never set until you accept that category in the cookie banner. Declining keeps them off entirely — there's no fallback tracking.

Third-Party Cookies

fonts.googleapis.com / fonts.gstatic.com — Google Fonts (Lora, Inter, JetBrains Mono). Always loaded; these don't set tracking cookies.
googletagmanager.com, google-analytics.com — Google Analytics. Only loads if you accept the "Analytics" category.
googlesyndication.com, doubleclick.net — Google's advertising network. Only loads if you accept the "Advertising" category.

We host our own JavaScript libraries (React, Three.js, Recharts) — no third-party cookies from those.

Managing Cookies

Use the Manage Cookie Preferences button above to change your analytics/advertising choice at any time — it takes effect immediately, no reload needed.
Browser settings → Clear site data for money.holdings removes everything, including your saved choice (you'll see the banner again on your next visit).

Legal Basis

GDPR / ePrivacy (EU/UK)

Essential cookies/storage don't require consent (Art. 5(3) ePrivacy Directive, GDPR Recital 25). Analytics and advertising cookies are set only after your explicit, opt-in consent — nothing is pre-ticked, and declining is as easy as accepting.

CCPA/CPRA (California)

We don't sell personal information. If you opt into advertising cookies, Google's ad personalization may count as "sharing" under CPRA; declining that category (or using to withdraw later) serves as your Do Not Sell/Share instruction.

Contact

Cookie questions: legal@money.holdings