Cookie Policy
Last Updated: January 2026
At moralyqentia, we believe in being completely upfront about how we track website activity. This policy explains what cookies are, why we use them on moralyqentia.com, and how you can manage them.
Think of cookies as tiny notes your browser keeps about your visit. They help us remember your preferences and understand how people use our financial planning tools.
What Are Cookies Anyway?
Cookies are small text files that get stored on your device when you visit our website. They're not programs and can't carry viruses. Most websites use them because they make browsing smoother and more personalized.
When you return to moralyqentia.com, your browser sends these cookies back to us so we can recognize you and remember things like your language preference or whether you've seen certain messages before.
Types of Cookies We Use
We use different kinds of cookies for different purposes. Here's the breakdown:
Essential Cookies
These keep the site working properly. Without them, you wouldn't be able to navigate between pages or use secure features. They're necessary for basic functionality.
Functional Cookies
These remember your choices and preferences. Things like your selected currency for financial calculations or whether you prefer detailed or simplified views of your milestone plans.
Analytics Cookies
We use these to understand which features people find most helpful. They tell us things like which planning tools get used most often and where people spend their time on the site.
Marketing Cookies
These track your activity across moralyqentia.com to help us show you relevant content. They help us understand which resources might be most useful for your financial planning journey.
How We Actually Use These Cookies
Here's what happens behind the scenes when you use our financial planning platform:
Session Management
We keep you logged in while you're working on your financial plans. Nobody wants to re-enter their details every time they switch between the budget calculator and the milestone tracker.
Understanding User Behavior
We track which tools and resources get the most attention. For example, if we notice lots of people abandon the retirement calculator halfway through, that tells us we probably need to simplify it.
Improving Our Services
Analytics cookies help us spot patterns. Maybe people using our mortgage planning tool always check the loan comparison feature right after. That kind of insight helps us design better workflows.
Personalized Experience
If you've told us you're planning for a house deposit in Brisbane, we can surface relevant content about the Queensland property market when you return to the site.
Specific Cookie Details
Here's a closer look at what information different cookie types actually collect:
- Session Cookies: Temporary identifiers that expire when you close your browser. Used for navigation and security.
- Persistent Cookies: Stay on your device for a set period (ranging from days to years) to remember your preferences between visits.
- First-Party Cookies: Set directly by moralyqentia.com when you interact with our features and tools.
- Third-Party Cookies: Placed by external services we use for analytics and performance monitoring.
Data Retention Periods
Different cookies stick around for different lengths of time. Here's what we keep and for how long:
| Cookie Type | Purpose | Retention Period |
|---|---|---|
| Authentication | Keeps you logged into your account | Session only |
| Preference Settings | Remembers your display and tool preferences | 12 months |
| Analytics Tracking | Measures site performance and usage patterns | 24 months |
| Marketing Attribution | Tracks how you found our platform | 90 days |
| Security Tokens | Protects against unauthorized access | 24 hours |
Taking Control of Your Cookies
You're in charge here. Every major browser lets you manage or block cookies entirely. Just know that blocking all cookies might break some features on moralyqentia.com.
Most browsers accept cookies automatically, but you can change that. Here's where to look in popular browsers:
Third-Party Services
We work with a few external providers who set their own cookies when you use moralyqentia.com. These include analytics platforms that help us understand site performance and content delivery networks that speed up page loading.
These third parties have their own privacy policies, which we can't control. But we only work with services that meet Australian privacy standards and handle data responsibly.
Updates to This Policy
Technology changes and so do the ways we use it. We might update this cookie policy occasionally to reflect new tracking methods or services. When we make significant changes, we'll update the date at the top of this page.
If you're visiting regularly, it's worth checking back here every few months to see if anything's changed.
Questions About Cookies?
If something in this policy isn't clear or you have specific questions about how we track activity on moralyqentia.com, reach out to us.
Email: support@moralyqentia.com
Phone: +61 2 6239 1856
54 Birdwood Terrace, Brisbane City QLD 4066, Australia