Cookies Policy

Websites maintained by Handy Advisor (collectively the “Site”) use a number of different cookies. This Cookies Policy explains the following:

Cookies are small files that are downloaded to your device when you visit a website. The cookie then sends information back to the originating website on each subsequent visit, or to another website that recognizes that cookie. Cookies are useful because they allow a website to recognize a user’s device. You can find more information about cookies at:www.allaboutcookies.organdwww.youronlinechoices.eu.

Cookies perform many different functions, such as letting you navigate between pages efficiently, remembering your preferences, and generally improving the user experience.

Cookies can be categorized by who puts the cookie on the user’s computer (or other device the user uses to browse the website).

First-party cookiesare cookies placed by the party operating the website. For example, any cookies we (Handy Advisor) place on your computer from our Site are first-party cookies.

Third-party cookiesare cookies placed from a website by a party that does not own or operate that website.

We use only first-party cookies on our Site.

Cookies are also often categorized by function. We use four types of cookies by function on our Site:

These are cookies that are strictly necessary for the functioning of the website or for performing services that an individual user has requested. For example, we use a cookie that remembers that you are logged into the Site until you log out.

If you sign up for our text messaging program, cookies may be used to personalize your experience (e.g. send you personalized text messages)

These cookies collect information about how visitors use a website — for instance, which pages visitors go to most often, and whether visitors get error messages from web pages. Analytical cookies don’t collect information that identifies a visitor. All information that analytical cookies collect is aggregated and therefore anonymous. These cookies are used only to improve how a website functions.

We use cookies provided by third-party service providers, including Google Analytics, Optimizely, and New Relic, to help us analyze how users use the Site.

The Google Analytics cookies collect data tied to a user’s IP address, such as the length of time a user spends on a page, the pages a user visits, and the websites a user visits before and after visiting the Site. You can object to the collection of your information by Google Analytics by clickinghere. We place cookies provided by Optimizely to test whether changes we have made to the Site work properly.

Like the cookies provided by Google Analytics and Optimizely, the cookies provided by New Relic collect information about your visit to the Site, such as delays you might experience when using Site features. The New Relic cookies assign an identification number, called a “session ID”, to your visit to our Site. Information collected about your visit is sent to New Relic and tied to the session ID. Each visit generates a new session ID, and session IDs between different visits are not linked to identify you. New Relic deletes the session ID at the end of your visit.

The cookies provided by each third-party service provider send the information they collect to that third-party service provider. For example, the cookies provided by Google Analytics send information about your Site interactions to Google Analytics. Each third-party service provider then compiles aggregated data using the information received and sends us reports on the aggregated data. These reports are not shared with other parties. We use the reports to offer better Site experiences and tools in the future.

Although these cookies provide information to the third-party service providers, they are first-party cookies because we place them ourselves.

These cookies allow the website to remember choices users make and to provide enhanced, personalized features. For example, we use cookies provided by Olark.com that allow you to continue chatting with customer support when navigating between pages.

Targeting/advertising cookies are cookies used to deliver advertisements relevant to the user. They remember that a user has visited a website and share this information with other organizations, such as advertising vendors.

Cookies in this category may include Remarketing Cookies. These are cookies that remember that you visited our Site after you leave. Sometimes they collect information about what pages of our Site you visited. They then share this information with our third-party vendors, such as AppNexus, Google, Nanigans, Facebook, and Twitter. Based on this information, the third-party vendors show you advertisements on third-party websites for Handy Advisor products that we think may interest you based on what you viewed on our Site.

You may opt out of Google’s use of cookies by visitingGoogle’s Ads Settingshere. You can also opt out of the use by other advertisers and third party service providers, such as AppNexus, of information from cookies placed by the Site by visiting the Network Advertising Initiative (“NAI”) opt-out page. However, not all of our third-party vendors participate in theNetwork Advertising Initiative opt-out page. Some of these advertisers and/or service providers may also participate in the Digital Advertising Alliance’s (“DAA”) Self-Regulatory Program for Online Behavioral Advertising. To learn more about how you can exercise certain choices regarding Interest-based Advertising, including use of Cross-device Data for serving ads, visithttp://www.aboutads.info/choices/, andhttp://www.aboutads.info/appchoicesfor information on the DAA’s opt-out program specifically for mobile apps (including use of precise location for third party ads). Please be aware that, even if you are able to opt out of certain kinds of Interest-based Advertising, you may continue to receive other types of ads. Opting out only means that those selected members should no longer deliver certain Interest-based Advertising to you but does not mean you will no longer receive any targeted content and/or ads (e.g., from other ad networks). Also, if your browsers are configured to reject cookies when you visit these opt-out webpages, or you subsequently erase your cookies, use a different device or web browser or use a non-browser-based method of access (e.g., mobile app), your NAI / DAA browser-based opt-out may not, or may no longer, be effective.

Cookies can also be categorized by how long they remain on your device. There are two broad categories of duration:

Persistent cookies remain on your device until deleted manually or automatically.

Session cookies remain on your device until you close your browser when they are automatically deleted.

We use both session and persistent cookies on our Site.

The information collected by our cookies is processed in servers located in the United States.

Users in the European Union (E.U.) have the right to refuse to allow cookies to be placed on the device they use to access the Site. We describe below how E.U. users can reject cookies used by our Site.

The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, and how to disable cookies altogether. For more information on using browser settings to reject cookies, please visitwww.allaboutcookies.org.

You should note that rejecting cookies in your browser settings may mean that any preferences you set on this Site will be lost and that the Site may not work as well. In addition, using the browser settings to reject cookies may also cause your browser to reject cookies from all websites, not just this Site.

If you have any questions about our Cookie Policy, we’ll do our best to answer them. You can email us at[email protected].

If we change our Cookie Policy, we will post those changes on this page and update the Cookie Policy modification date above. If we materially change this Cookie Policy in a way that affects how we use or disclose your personal information, we will notify you by prominently posting a notice of such changes before making them and by stating the effective date of the changes.

Last updated:October 21, 2024