Cookie Policy
Last Updated: 29 November 2025
This Cookie Policy explains what cookies are, how Smart Finance Tools uses them, and how you can control them when using our website at smart-finance-tools.com.
By using our website, you consent to the use of cookies in accordance with this policy.
1. What Are Cookies?
Cookies are small text files that are placed on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners.
Cookies allow websites to:
- Remember your preferences and settings
- Improve your browsing experience
- Understand how you use the website
- Provide analytics and performance data
Cookies do not typically contain information that personally identifies you, but they can store information about your device and browsing behaviour.
2. How We Use Cookies
Smart Finance Tools uses cookies for two main purposes:
- To ensure the website functions correctly (essential cookies)
- To understand how visitors use our website (analytics cookies)
We keep cookie usage to a minimum and do not use cookies for advertising, marketing, or cross-site tracking.
3. Types of Cookies We Use
A. Essential Cookies
These cookies are necessary for the website to function properly. They enable core functionality such as:
- Page navigation
- Access to secure areas
- Remembering your calculator inputs during your session
- Currency preferences
Duration: Session cookies (deleted when you close your browser) and short-term persistent cookies.
Purpose: To provide the basic functionality you expect from the website.
B. Analytics Cookies (Google Analytics 4)
We use Google Analytics 4 to understand how visitors interact with our website. This helps us improve the service and user experience.
Google Analytics collects anonymised information about:
- Pages you visit
- How long you spend on each page
- How you arrived at the website
- What device and browser you use
- General geographic location (country/region level only)
Important: We have configured Google Analytics in privacy-enhanced mode, which means:
- IP addresses are anonymised
- No personally identifiable information is collected
- No advertising features are enabled
- No data is shared with Google for advertising purposes
Duration: Up to 2 years.
Purpose: To understand website usage patterns and improve our services.
4. Cookies We Do NOT Use
To protect your privacy, we do not use:
- Advertising cookies
- Marketing cookies
- Social media tracking cookies
- Cross-site tracking cookies
- Personalisation or profiling cookies
- Third-party advertising networks
We keep cookie usage minimal and only use what is necessary for the website to function and improve.
5. Third-Party Cookies
When you use Smart Finance Tools, you may receive cookies from third-party services we use:
Google Analytics: Used for anonymised website analytics
Google's cookie policy: policies.google.com/technologies/cookies
We do not control these third-party cookies. Please refer to the third-party's cookie policy for more information.
6. How to Control Cookies
You have the right to decide whether to accept or reject cookies. You can control cookies in several ways:
A. Browser Settings
Most browsers allow you to control cookies through their settings. You can:
- Block all cookies
- Accept only first-party cookies
- Delete cookies when you close your browser
- View and delete individual cookies
Here's how to manage cookies in common browsers:
- • Chrome: support.google.com/chrome/answer/95647
- • Firefox: support.mozilla.org
- • Safari: support.apple.com/safari
- • Edge: support.microsoft.com/edge
B. Google Analytics Opt-Out
You can prevent Google Analytics from collecting data by installing the Google Analytics Opt-out Browser Add-on:
Please note: If you disable essential cookies, some features of the website may not work properly. Analytics cookies are optional and do not affect functionality.
7. Do We Need a Cookie Banner?
Under UK PECR (Privacy and Electronic Communications Regulations), websites must obtain consent before setting non-essential cookies.
However, because we:
- Use Google Analytics in anonymised mode
- Do not collect personally identifiable information
- Do not use cookies for advertising or marketing
- Only use essential cookies for website functionality
A cookie consent banner is not currently required under UK regulations. This approach prioritises your privacy and provides a better user experience.
If our cookie usage changes in the future, we will implement a cookie banner and update this policy accordingly.
8. Changes to This Policy
We may update this Cookie Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons.
When we make changes:
- The "Last Updated" date will be revised
- Significant changes will be highlighted on the website
Please review this page periodically to stay informed about our use of cookies.
9. More Information
For more information about how we handle your data, please see our:
- Privacy Policy – How we collect, use, and protect your data
- Terms of Service – Conditions for using our website
- Disclaimer – Important information about our services
For general information about cookies, you can visit:
- • All About Cookies: www.allaboutcookies.org
- • ICO Cookie Guidance: ico.org.uk
10. Contact
If you have questions about our use of cookies, you can contact us at:
Email: hello@smart-finance-tools.com
Location: United Kingdom