Cookie Policy

Effective Date: 6 May 2026  |  Last reviewed: 6 August 2026

1. What Are Cookies?

Cookies are small text files placed on your device by websites you visit. They allow websites to remember your preferences, measure how the site is used, and serve relevant advertising. Similar technologies — including browser local storage, session storage, and device fingerprinting — may perform comparable functions.

2. Cookie Categories We Use

2a. Essential (Strictly Necessary)

These enable core site functionality. They are set without requiring consent because they are necessary for the site to work.

• Session cookies: Temporary cookies that expire when you close your browser, used to maintain your session state while navigating the site.
• Security cookies: Used to detect and prevent fraudulent activity.

2b. Preference (Functional)

We use browser Local Storage (not a traditional cookie) to save interface preferences such as your selected currency symbol and colour theme. This data stays on your device and is never transmitted to our servers. No consent is required as no data leaves your device.

2c. Advertising (Non-Essential — Consent Required)

SmartMoneyTools uses Google AdSense to display third-party advertisements. Google and its advertising partners use cookies and similar tracking technologies to:

• Serve personalised advertisements based on your browsing history and inferred interests (if you consent).
• Serve non-personalised advertisements based solely on the content of the page you are viewing (if you do not consent to personalised advertising).
• Measure the performance of advertisements (impressions, clicks, conversions).
• Detect and prevent ad fraud.
• Frequency-cap advertisements (limit how many times you see the same ad).

Key cookies set by Google AdSense may include:

This list is illustrative. Google's full cookie inventory is documented at policies.google.com/technologies/cookies.

Data collected by Google's advertising system may include your IP address, device identifiers, browser characteristics, and browsing behaviour. This data is processed by Google in accordance with Google's Privacy Policy.

3. Consent — How to Accept or Reject Cookies

When you first visit SmartMoneyTools, you will see a cookie consent notice. Both "Accept" and "Reject" options are presented with equal prominence.

• Accept all cookies: Enables personalised advertising based on your interests and browsing history.
• Reject non-essential cookies: Google AdSense will serve non-personalised advertising only (based on page content). Essential site functionality is unaffected.

If you close the cookie notice without making a selection, we default to non-personalised advertising only — no non-essential cookies are set without your explicit consent.

4. How to Withdraw Consent

You can withdraw or change your consent at any time using any of the following methods:

• Clear site cookies and revisit: Clear your browser's cookies for smartmoney-tools.com; the cookie consent notice will reappear on your next visit.
• Browser settings: Most browsers allow you to block or delete all cookies. See your browser's help pages for instructions.
• Google Ads Settings: Opt out of personalised Google advertising at adssettings.google.com.
• Industry opt-out tools: Opt out of interest-based advertising from multiple vendors at aboutads.info/choices or youronlinechoices.eu.

Note: Blocking all cookies may affect the appearance of our site (for example, your currency preference may reset on each visit) but will not prevent you from using any calculator.

5. Third-Party Advertising Vendors

In addition to Google, advertisements on this site may be served by Google's advertising network partners. A full list of participating vendors and their privacy policies is available via Google's AdSense partner list.

6. Changes to This Cookie Policy

We may update this Cookie Policy when we change the technologies we use or when regulations change. Material changes will be reflected by updating the "Last reviewed" date at the top of this page.

7. Contact

For cookie-related questions, contact us at support@smartmoney-tools.com.