Privacy & Transparency
Cookie Policy
This Cookie Policy explains how Calfiny uses cookies and similar technologies, why they may be used and the choices you have over non-essential technologies when visiting our website.
What Are Cookies?
Cookies are small pieces of information used by websites to support functionality, remember choices and, where permitted, understand how visitors use a website.
Cookies are small text files that a website can place on your device when you visit it. They allow information to be recognised during your visit or, depending on the type of cookie, when you return to the website later.
Cookies can serve different purposes. Some are necessary for a website to function properly, while others can remember preferences, help website owners understand how their site is being used or support services provided by third parties.
First-Party and Third-Party Cookies
A first-party cookie is set by the website you are visiting. A third-party cookie is associated with another organisation whose technology or service is being used by that website.
For example, when Calfiny uses an external analytics service, that service may use cookies or similar technologies in connection with providing analytics functionality.
Session and Persistent Cookies
Some cookies are temporary and expire when you close your browser. These are commonly known as session cookies.
Other cookies can remain on your device for a defined period or until you delete them. These are known as persistent cookies and can allow information or preferences to be recognised across more than one browsing session.
Similar Technologies
Websites can also use technologies that perform functions similar to cookies. Depending on the services used, these can include local storage, pixels, tags or other identifiers.
Throughout this Cookie Policy, references to cookies may also include similar technologies where they are used for comparable purposes.
How Calfiny Uses Cookies
We aim to use cookies and similar technologies only where they have a clear purpose, while giving you appropriate control over technologies that are not essential to the operation of the website.
Calfiny uses, or may use, cookies and similar technologies for a limited number of purposes. These include supporting the operation and security of the website, remembering relevant choices and understanding how visitors use Calfiny so that we can improve our guides, calculators and overall website experience.
We distinguish between technologies that are necessary for the website to operate and those used for optional purposes such as analytics.
Essential Technologies
Some cookies or similar technologies may be necessary for Calfiny to function correctly, maintain security or remember choices connected with privacy and cookie preferences. Where a technology is genuinely necessary for these purposes, it may operate without the same consent requirements that apply to optional technologies.
Optional Technologies
Other technologies are not essential to the basic operation of Calfiny. These may include analytics technologies that help us understand how visitors interact with the website.
Where consent is required, optional technologies should not be activated until you have made the appropriate choice through our cookie controls.
Our Approach to Tracking
We do not want access to Calfiny’s core educational content or calculators to depend on accepting optional tracking technologies. If you choose not to consent to non-essential cookies, you should still be able to read our guides and use the website’s core functionality.
As Calfiny develops, the technologies used on the website may change. Where new technologies materially affect how cookies or personal information are used, we will review our cookie controls and update this Cookie Policy where appropriate.
Essential Cookies
Some cookies and similar technologies may be necessary for Calfiny to operate securely, provide core website functionality or remember choices you have made about your privacy.
Essential cookies are technologies that are necessary for a website or a service requested by the visitor to function properly. Unlike optional analytics or advertising technologies, they are not used simply to measure website activity or understand visitor behaviour.
Calfiny may use essential cookies or similar technologies where they are required to operate the website, maintain security or provide functionality that you have requested.
Cookie and Privacy Preferences
When cookie controls are available on Calfiny, an essential cookie or similar technology may be used to remember the choices you make. Without this, the website may be unable to remember whether you accepted or rejected optional technologies and could need to ask for your preference repeatedly.
Website Operation and Security
Essential technologies may also be used where necessary to deliver website functionality, maintain security, prevent misuse or support the reliable operation of Calfiny.
The precise technologies involved can depend on the website infrastructure and services in use. We aim to limit essential cookies to those that have a genuine operational, security or privacy-related purpose.
Can Essential Cookies Be Disabled?
You may be able to block or delete cookies through your browser settings. However, disabling technologies that are genuinely necessary for a website to operate may affect certain functionality or prevent preferences from being remembered correctly.
Where a cookie is classified as essential, we do not use that classification simply to avoid providing a choice. Technologies used only for optional purposes such as analytics are treated separately.
Analytics Cookies
Analytics cookies help us understand how visitors use Calfiny so we can measure website performance, identify problems and improve our guides, calculators and overall user experience.
Analytics cookies and similar technologies can provide information about how visitors interact with a website. Rather than being necessary for Calfiny to provide its core content and functionality, they are used to help us understand how the website performs and where improvements may be useful.
Analytics can help us understand broad patterns of activity, such as which pages are visited most often, how visitors arrive at Calfiny, which areas of the website people use and how visitors move between different pages.
Why We Use Analytics
We use analytics information to help improve Calfiny. For example, it can help us understand whether a particular guide is useful to visitors, whether people are finding our calculators, how the website performs across different devices and where visitors may encounter difficulties.
This information can also help us make better decisions about which areas of Calfiny need further development, which existing resources should be improved and how the overall website experience can be made clearer and easier to use.
Analytics and Your Consent
Analytics technologies are not essential to accessing Calfiny’s educational guides or core calculator functionality. Where consent is required, analytics cookies and similar technologies should only be activated after you have chosen to allow them through our cookie controls.
If you choose not to allow analytics cookies, you should still be able to access Calfiny’s core content and use our financial calculators.
What Analytics Are Not Used For
We do not use analytics information to determine your eligibility for financial products, make automated financial decisions about you or create a personal financial profile based on the figures you enter into our calculators.
The purpose of analytics is to help us understand and improve Calfiny as a website, rather than to monitor the personal financial circumstances of individual visitors.
How We Use Google Analytics
Calfiny uses Google Analytics to help us understand how people use the website, measure performance and identify ways to improve our guides, calculators and overall user experience.
Google Analytics is a website analytics service provided by Google. It helps us understand activity across Calfiny by collecting and analysing information about how visitors interact with the website.
For example, Google Analytics can help us understand which pages are visited, how visitors arrive at Calfiny, how people navigate between pages, which devices and browsers are commonly used and how visitors interact with different areas of the website.
Information Processed by Google Analytics
Google Analytics may process information relating to your use of Calfiny, including information about your device and browser, interactions with pages, approximate location information and other technical or usage information associated with your visit.
We use the information available to us through Google Analytics to understand overall website activity and performance. We do not use it to determine your eligibility for financial products or to create personal financial profiles based on information you enter into Calfiny’s calculators.
Google Analytics and Consent
Google Analytics is not necessary for you to read Calfiny’s guides or use our core financial calculators. Where consent is required, Google Analytics cookies and similar technologies should only be used after you have chosen to allow analytics through our cookie controls.
If you reject analytics cookies, you should still be able to use Calfiny’s core content and functionality.
Google’s Role
Google provides the technology used to deliver Google Analytics and may process information collected through the service in accordance with its applicable terms and privacy practices.
Google operates internationally, which means information processed through its services may be handled using infrastructure located outside the United Kingdom. You can find more information about how Google handles information in its privacy documentation.
Changing Your Analytics Choice
Where Calfiny provides cookie preference controls, you can change your analytics choice or withdraw your consent at any time. Withdrawing consent will not affect your ability to access our core guides and calculators.
Affiliate and Referral Links
Calfiny may use affiliate links in the future to help fund the continued development of our free guides and calculators. Where tracking technology is used to attribute a referral, we aim to be clear about how it works.
Calfiny may enter into affiliate partnerships with financial institutions, service providers or affiliate networks. If we introduce these partnerships, some links on the website may contain information that identifies Calfiny as the website that referred you.
If you follow an affiliate link and later complete an eligible action, such as applying for or purchasing a product, the provider or affiliate network may use tracking technology to determine that the referral originated from Calfiny. This allows an eligible commission to be attributed to us.
How Affiliate Tracking May Work
Depending on the provider or affiliate network involved, referral tracking may use cookies, identifiers or similar technologies. These can help recognise that you arrived at a provider’s website through a link on Calfiny and determine whether an eligible action takes place within the applicable referral period.
The exact technologies and duration of referral tracking can vary between providers and affiliate networks.
What Calfiny Receives
Affiliate attribution does not mean that Calfiny automatically receives the personal or financial information you provide when applying for a product directly with a bank, insurer, investment provider or other third party.
Information such as your bank details, payment information, identity documents, passwords or application information is provided directly to the relevant organisation and is handled according to its own privacy practices.
Calfiny may receive information needed to report or attribute an affiliate referral or commission, depending on the arrangements with the provider or affiliate network.
Affiliate Tracking and Consent
Where affiliate tracking involves cookies or similar technologies that require consent, those technologies should be handled through the appropriate cookie and consent controls.
Simply reading Calfiny’s educational content or using our core calculators should not depend on accepting optional affiliate tracking technologies.
Transparency About Affiliate Relationships
Where Calfiny introduces affiliate relationships, we will clearly disclose them and review this Cookie Policy as necessary to reflect the technologies actually being used.
Affiliate relationships will not change our commitment to explaining financial topics independently and putting education before commercial recommendations.
Third-Party Cookies
Some services used by or linked from Calfiny may be provided by other organisations. These third parties may use their own cookies or similar technologies when you interact with their services.
Calfiny may use services provided by third-party organisations to support functions such as website analytics, technical operation and, in the future, affiliate referral tracking. Some of these services may use cookies or similar technologies in connection with the service they provide.
Where a third-party technology operates directly on Calfiny and requires consent, we aim to ensure that it is handled through the appropriate cookie controls.
Google Analytics
Google Analytics is provided by Google and may use cookies or similar technologies to help measure and understand activity across Calfiny. As explained earlier in this Cookie Policy, analytics technologies that require consent should only operate after the appropriate choice has been made.
External Websites
Calfiny also contains links to websites operated by other organisations. These may include government websites, regulators, financial institutions, information sources and other useful resources.
When you follow a link to another website, that organisation may use its own cookies and tracking technologies. Calfiny does not control cookies placed on your device after you have left our website.
You should review the cookie and privacy information provided by the external website if you want to understand how it uses cookies or processes your information.
Future Affiliate Partners
If Calfiny introduces affiliate partnerships, financial providers or affiliate networks may use cookies, referral identifiers or similar technologies to attribute eligible referrals or commissions.
The technologies involved can vary between providers. As affiliate partnerships are introduced, we will review our cookie controls and update this Cookie Policy where necessary to reflect the services and tracking technologies actually being used.
Third-Party Privacy Information
Third-party organisations are responsible for explaining how they use information collected through their own websites and services. Their privacy and cookie practices may differ from Calfiny’s.
Where appropriate, we may provide links to relevant third-party privacy information to help you understand how a particular service handles information.
Your Cookie Choices
You should have meaningful control over optional cookies and similar technologies. Choosing not to allow non-essential cookies should not prevent you from accessing Calfiny’s core guides and calculators.
When you visit Calfiny, you may be given the opportunity to choose whether certain optional cookies and similar technologies can be used.
Where consent is required, optional technologies such as analytics should not be activated until you have made the appropriate choice through our cookie controls.
Accepting Optional Cookies
If you choose to accept optional cookies, technologies covered by your consent may be used for the purposes explained in this Cookie Policy. For example, allowing analytics cookies can help us understand how visitors use Calfiny and identify ways to improve the website.
Rejecting Optional Cookies
You can choose not to allow optional cookies. Rejecting analytics or other non-essential technologies should not prevent you from reading Calfiny’s educational guides or using our core financial calculators.
Some information about website activity may be less complete when optional analytics technologies are rejected, but this should not affect your ability to access the core content and functionality of Calfiny.
Essential Cookies
Some technologies may be necessary for the website to operate correctly, maintain security or remember the cookie choices you have made. These may operate regardless of whether you accept optional cookies where their use is genuinely necessary.
Choosing Individual Categories
Where our cookie controls allow individual categories to be managed separately, you can choose which optional categories you wish to allow rather than having to accept every optional technology together.
Your choices should be respected for as long as the relevant preference is stored. You may be asked to make your choice again if that preference expires, is deleted from your browser or if we make changes that require renewed consent.
Changing or Withdrawing Your Consent
If you have previously accepted optional cookies, you can change your preferences or withdraw your consent. Changing your mind should be straightforward and should not prevent you from using Calfiny’s core content and calculators.
Your cookie preferences do not have to remain the same permanently. Where we rely on your consent for optional cookies or similar technologies, you can change your choice or withdraw that consent.
Changing Your Cookie Preferences
Where cookie preference controls are available on Calfiny, you can use them to review and change the categories of optional technologies you have previously allowed.
For example, if you previously accepted analytics cookies, you can later withdraw your consent to their continued use.
What Happens When You Withdraw Consent?
Withdrawing consent should prevent the relevant optional technologies from being used for future activity where those technologies rely on your consent.
Withdrawing consent does not affect the lawfulness of processing that took place while your consent was valid.
Depending on the technology involved, cookies that have already been stored on your device may remain until they expire or are deleted. You can remove stored cookies using your browser settings where necessary.
Accessing Calfiny After Withdrawing Consent
You should still be able to read Calfiny’s educational guides and use our core financial calculators if you withdraw or refuse consent for optional cookies.
Essential technologies that are genuinely necessary for the operation, security or requested functionality of the website may continue to operate where appropriate.
When We May Ask Again
We may ask you to review your cookie preferences again if your stored preference expires, you delete cookies from your browser or we make significant changes to the technologies or purposes covered by your previous choice.
Managing and Deleting Cookies in Your Browser
Most web browsers allow you to view, delete or block cookies stored on your device. These controls are separate from the cookie preferences available directly through Calfiny.
Most browsers provide settings that allow you to manage cookies stored on your computer, phone or other device. Depending on the browser you use, you may be able to view existing cookies, delete individual cookies, remove all stored cookies or prevent certain cookies from being accepted.
Deleting Existing Cookies
You can normally delete cookies that have already been stored on your device through your browser’s privacy or site-data settings.
If you delete the cookie or similar technology used to remember your Calfiny cookie preferences, we may no longer be able to recognise the choice you previously made. As a result, you may be asked to choose your cookie preferences again when you return to the website.
Blocking Cookies
Most browsers also allow you to restrict or block cookies. The exact options available vary between browsers and devices.
Blocking optional cookies should not prevent you from accessing Calfiny’s core educational guides and financial calculators. However, blocking technologies that are genuinely necessary for website functionality may affect certain features or prevent preferences from being remembered correctly.
Browser Privacy Features
Modern browsers and devices may provide additional privacy controls that restrict tracking, third-party cookies or other website technologies. These features operate independently of Calfiny’s own cookie controls and may affect how some third-party services function.
Finding Your Browser’s Cookie Settings
Cookie and privacy controls are normally available within your browser’s settings or preferences menu. Because browsers regularly change their interfaces, we recommend using the current help documentation provided by your browser if you need instructions for managing stored cookies.
Using your browser controls does not prevent you from also using Calfiny’s own cookie preference controls to manage the optional technologies used on our website.
Changes to This Cookie Policy
We may update this Cookie Policy from time to time as Calfiny develops, the technologies we use change or our legal and regulatory obligations evolve.
Calfiny will continue to develop over time, and the cookies and similar technologies used on the website may change as we introduce new features, services or technology providers.
For example, changes may be needed when we introduce or update analytics services, cookie controls, affiliate partnerships or other website functionality that involves cookies or similar technologies.
Keeping This Policy Accurate
We will review this Cookie Policy when appropriate to ensure it continues to accurately explain the technologies used on Calfiny, their purposes and the choices available to visitors.
Where a change affects technologies that require your consent, we will also review whether your existing cookie preferences remain appropriate or whether you should be asked to make a new choice.
How We Communicate Changes
The latest version of this Cookie Policy will be published on this page. Where changes are significant, we may also provide an additional notice on Calfiny where appropriate.
We recommend checking this policy occasionally if you want to stay informed about how Calfiny uses cookies and similar technologies.
Last Updated
Last updated: 7 August 2026
Questions About Cookies?
If you have a question about this Cookie Policy, the technologies used on Calfiny or the choices available to you, please get in touch.
If you have a question or concern about how Calfiny uses cookies or similar technologies, you can contact us using our Contact page.
We welcome questions about the technologies used on the website, including how optional cookies work, how to manage your preferences or how information associated with those technologies may be processed.
Cookie Preferences
If you simply want to change your cookie choices, you do not need to contact us. You can use the cookie preference controls available on Calfiny to review or change your choices at any time.
If those controls are not working as expected, please let us know so that we can investigate the issue.
Privacy Questions
For more information about how personal information may be processed when you use Calfiny, including information associated with analytics and other website technologies, please read our Privacy Policy.
Contact Calfiny
If you need further help or would like to raise a concern about our use of cookies or similar technologies, please contact us.