Cookie Policy

Cookies are small text files that are stored on your computer, tablet, or mobile device when you visit our website. They are widely used to make websites work more efficiently and to provide information to website owners.

Cookies contain information that is transferred to your device's hard drive. They help us improve your experience by remembering your preferences and understanding how you use our website.

This Cookie Policy explains what cookies are, how we use them on the DebtWise website (debtwisepath.com), and how you can manage your cookie preferences.

Essential Cookies (Always Active)

These cookies are necessary for the website to function properly and cannot be disabled. They enable core functionality such as:

• Security and authentication
• Remembering your login status
• Maintaining your session during visits
• Load balancing and website performance
• Fraud prevention and security measures

Performance and Analytics Cookies

These cookies help us understand how visitors interact with our website by collecting anonymous information. They help us:

• Count the number of visitors and page views
• Understand which pages are most popular
• Identify how users navigate through our site
• Detect and resolve technical issues
• Improve website speed and performance

Third-party services we use: Google Analytics, Hotjar

Functional Cookies

These cookies enable enhanced functionality and personalization. They may be set by us or by third-party providers. They allow us to:

• Remember your preferences and settings
• Provide personalized content
• Enable live chat functionality
• Remember your language preference
• Customize your user experience

Marketing and Advertising Cookies

These cookies are used to deliver relevant advertisements and marketing content. They help us:

• Show you relevant ads based on your interests
• Limit the number of times you see an advertisement
• Measure the effectiveness of advertising campaigns
• Build a profile of your interests
• Provide personalized content and offers

Third-party services we use: Google Ads, Facebook Pixel, LinkedIn Insight Tag

First-Party Cookies

These are cookies set directly by DebtWise when you visit our website. We have full control over these cookies and use them for:

• User authentication and security
• Remembering your preferences
• Analyzing website performance
• Improving user experience

Third-Party Cookies

These are cookies set by external services we use to enhance our website functionality. Third-party cookies include:

• Google Analytics: Website analytics and performance tracking
• Google Ads: Advertising and conversion tracking
• Facebook: Social media integration and advertising
• LinkedIn: Professional network integration and advertising
• Intercom: Customer support chat functionality

Session Cookies

These cookies are temporary and are deleted when you close your browser. They are essential for basic website functionality and security.

Persistent Cookies

These cookies remain on your device for a specified period or until you delete them. Our persistent cookies have the following retention periods:

• Essential cookies: Up to 1 year
• Analytics cookies: Up to 2 years
• Functional cookies: Up to 1 year
• Marketing cookies: Up to 13 months

Cookie Consent Banner

When you first visit our website, you'll see a cookie consent banner that allows you to:

• Accept all cookies
• Reject non-essential cookies
• Customize your cookie preferences
• View detailed information about each cookie category

Browser Settings

You can control cookies through your browser settings. Most browsers allow you to:

• View and delete cookies
• Block cookies from specific websites
• Block all cookies
• Receive alerts when cookies are being set

Popular browser cookie management:

• Google Chrome: Settings > Privacy and security > Cookies and other site data
• Mozilla Firefox: Options > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Manage Website Data
• Microsoft Edge: Settings > Cookies and site permissions

Opt-Out Tools

You can also opt out of certain tracking through these tools:

• Google Analytics: Google Analytics Opt-out Browser Add-on
• Digital Advertising Alliance: Ad Choices Opt-Out Tool
• Network Advertising Initiative: NAI Opt-Out Tool

While you can disable cookies, please note that doing so may affect your experience on our website:

• Essential cookies: Disabling these may prevent the website from functioning properly
• Performance cookies: We won't be able to improve the website based on usage data
• Functional cookies: You may need to re-enter preferences on each visit
• Marketing cookies: You may see less relevant advertisements

Below is detailed information about the specific cookies used on our website:

DebtWise Essential Cookies

Google Analytics Cookies

We may update this Cookie Policy from time to time to reflect changes in:

• The cookies we use
• Legal requirements
• Our business practices
• Technology developments

When we make changes, we will update the "Last updated" date at the top of this policy and may notify you through our website or email.

If you have any questions about our use of cookies or this Cookie Policy, please contact us: