Cookie Policy

What Are Cookies and Tracking Technologies?

Cookies are small text files that websites place on your device when you visit them. Think of them as digital breadcrumbs that help us remember your preferences and improve your browsing experience on BNPoint.com. These files contain information about your interactions with our platform and help us deliver personalized budget planning tools.

Beyond traditional cookies, we also use similar technologies like web beacons, pixel tags, and local storage. These tools work together to create a smoother, more efficient experience as you navigate through our financial planning resources and budget management features.

Types of Tracking Technologies We Use

We categorize our tracking technologies based on their specific functions and purposes. Each type serves a different role in delivering our budget planning services effectively.

How Cookies Enhance Your Experience

Our tracking technologies work behind the scenes to make your budget planning journey more efficient and personalized. When you return to BNPoint, cookies help us remember where you left off in your financial planning process, which tools you prefer to use, and what information is most relevant to your situation.

For example, if you frequently use our expense tracking feature, cookies help us prioritize that tool in your dashboard and preload the categories you use most often. This reduces loading times and creates a more streamlined experience tailored to your specific financial planning habits.

Managing Your Cookie Preferences

You have complete control over how cookies function on your device. Most web browsers allow you to manage cookie settings through their preferences menu. You can choose to block all cookies, allow only essential cookies, or customize which types of tracking technologies you're comfortable with.

Keep in mind that blocking certain cookies might affect the functionality of our budget planning tools. Essential cookies are necessary for basic operations like logging in and saving your financial data, while other types enhance convenience and personalization.

Data Retention and Storage

Different types of cookies have varying lifespans depending on their purpose. Session cookies are temporary and automatically delete when you close your browser. Persistent cookies remain on your device for a specified period, typically ranging from 30 days to 24 months.

We regularly review and clean up stored cookie data to ensure we're not keeping information longer than necessary. Analytics cookies are typically retained for 26 months to help us understand long-term usage patterns, while preference cookies may last up to 12 months to maintain your customized settings.

You can manually delete cookies at any time through your browser settings. This will reset your preferences and require you to log in again, but it gives you complete control over what information is stored on your device.

Third-Party Services and Cookies

Some cookies on our website come from trusted third-party services that help us deliver better functionality. These might include analytics providers that help us understand user behavior, security services that protect against fraud, or content delivery networks that make our site load faster.

We carefully vet all third-party services to ensure they meet our privacy standards. However, these services may have their own cookie policies that govern how they collect and use data. We encourage you to review the privacy policies of any third-party services you encounter.

You can typically opt out of third-party cookies through browser settings or by using privacy tools and extensions. Many third-party analytics services also provide their own opt-out mechanisms that you can access directly.

Updates to This Policy

We periodically review and update this cookie policy to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through our website or via email if you've subscribed to our communications.

We encourage you to review this policy regularly to stay informed about how we use cookies and tracking technologies. The "Last Updated" date at the top of this page indicates when the most recent changes were made.

Your continued use of BNPoint.com after policy updates indicates your acceptance of the revised terms. If you disagree with any changes, you can adjust your cookie preferences or contact us to discuss your concerns.