Cookie Policy

About This Cookie Policy

This Cookie Policy explains how panoramicentivo ("we", "us", or "our") uses cookies and similar tracking technologies when you visit our website at panoramicentivo.sbs. We want to be completely transparent about the information we collect, how we use it, and what control you have over your data.

Cookies are small text files that are stored on your device when you visit websites. They help us understand how you interact with our platform and enable us to provide you with a better, more personalized experience. Some cookies are essential for our website to function properly, while others help us analyze usage patterns and improve our services.

Types of Tracking Technologies We Use

How We Use Tracking Information

• Platform Functionality: We use cookies to maintain your session, remember your login status, and preserve your preferences across different pages of our budgeting platform.
• User Experience Enhancement: Tracking technologies help us customize your experience by remembering your dashboard layout preferences, currency settings, and frequently used features.
• Performance Monitoring: We analyze how users navigate our platform to identify slow-loading pages, popular features, and areas that need improvement in our budgeting tools.
• Security and Fraud Prevention: Cookies help us detect suspicious activity, prevent unauthorized access, and protect your financial data from potential security threats.
• Content Personalization: We use tracking data to show you relevant budgeting tips, financial insights, and educational content based on your usage patterns and interests.
• Communication Optimization: Tracking helps us determine the effectiveness of our email campaigns and in-app notifications, ensuring we provide valuable information without overwhelming you.

Data Retention and Storage

Different types of cookies have different retention periods. Session cookies are temporary and are deleted when you close your browser. Persistent cookies remain on your device for a specified period or until you manually delete them. Here's how we handle data retention:

• Essential Cookies: These remain active for the duration of your browsing session and are automatically deleted when you close your browser.
• Preference Cookies: These are stored for up to 12 months to remember your settings and preferences across multiple visits.
• Analytics Cookies: These are typically retained for 24 months to help us understand long-term usage patterns and trends.
• Marketing Cookies: These are usually stored for 90 days to track campaign effectiveness and deliver relevant advertisements.

Managing Your Cookie Preferences

You have several options for controlling how cookies are used on your device. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. However, please note that disabling certain cookies may affect your ability to use some features of our platform.

Here's how you can manage cookies in popular browsers:

• Google Chrome: Go to Settings → Privacy and security → Cookies and other site data. You can choose to block all cookies, block third-party cookies, or allow all cookies.
• Mozilla Firefox: Access Options → Privacy & Security → Cookies and Site Data. You can set custom privacy settings and manage stored data.
• Safari: Navigate to Preferences → Privacy → Manage Website Data. You can remove stored data and adjust cookie acceptance settings.
• Microsoft Edge: Go to Settings → Site permissions → Cookies and stored data. You can control cookie behavior and clear existing data.

Third-Party Services and Cookies

Our platform integrates with various third-party services to enhance functionality and provide better user experiences. These services may set their own cookies on your device. We work only with reputable partners who adhere to strict privacy standards, but we encourage you to review their privacy policies as well.

Some third-party services we use include analytics providers, customer support systems, and payment processors. While we maintain control over our own cookies, third-party cookies are governed by their respective privacy policies. We regularly review our partnerships to ensure they align with our commitment to user privacy.

Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we will notify you through our website or via email. We encourage you to review this policy periodically to stay informed about how we use tracking technologies.

The date at the top of this policy indicates when it was last updated. Your continued use of our platform after any changes constitutes acceptance of the updated policy. If you disagree with any changes, you may discontinue using our services or adjust your cookie preferences accordingly.