Legal

Cookie Policy

Last Updated: February 23, 2026

Money Smarts, LLC

Colorado, USA 80550

privacy@money-smarts.com • (970) 436-0580

Table of Contents

  1. 1. Introduction
  2. 2. What Are Cookies
  3. 3. Similar Technologies
  4. 4. How We Use Cookies
  5. 5. Educational Platform Specific Cookies
  6. 6. Cookie Management and Your Choices
  7. 7. Cookies and Children
  8. 8. Updates to This Cookie Policy
  9. 9. Contact Information

1. Introduction

This Cookie Policy explains how Money Smarts, LLC ("Money Smarts," "we," "us," or "our") uses cookies and similar tracking technologies across our websites, applications, and services (collectively, the "Services"). This policy should be read together with our Privacy Policy.

By using our Services, you consent to our use of cookies as described in this policy. You can manage your cookie preferences as explained in Section 6.

2. What Are Cookies

Cookies are small text files placed on your device when you visit a website. They serve various purposes, including remembering your preferences, analyzing site usage, and delivering personalized content.

Types of cookies we use

  • ›Session cookies: Temporary cookies deleted when you close your browser
  • ›Persistent cookies: Remain on your device for a set period or until manually deleted
  • ›First-party cookies: Set by Money Smarts directly
  • ›Third-party cookies: Set by our service providers and partners

3. Similar Technologies

In addition to cookies, we use:

  • ›Web Beacons (Pixels): Small graphic images embedded in web pages and emails to track user behavior and measure campaign effectiveness.
  • ›Local Storage: HTML5 local storage and session storage for storing data locally in your browser, including game progress and user preferences.
  • ›Software Development Kits (SDKs): Code libraries in our mobile applications that collect usage data and enable functionality.
  • ›Device Fingerprinting: Analyzing device characteristics (browser type, screen resolution, operating system) to identify unique devices for fraud prevention and analytics.

4. How We Use Cookies

4.1 Strictly Necessary Cookies

Essential for website operation and security. Cannot be disabled.

Purpose:Authentication, session management, security, load balancing
Duration:Session or up to 1 year
Specific cookies:session_id (session), auth_token (30 days), csrf_token (session)

4.2 Performance and Analytics Cookies

Help us understand how visitors use our Services to improve performance. Can be disabled.

Examples:Google Analytics, heatmap tools, error tracking and performance monitoring
Duration:Up to 2 years
Specific cookies:_ga (2 years), _gid (24 hours), _gat (1 minute)
Data collected:Pages viewed, time on pages, click paths, device type, geographic location (city level), referring website

4.3 Functionality Cookies

Remember your preferences and choices. Can be disabled (may affect functionality).

Examples:Language preferences, theme settings (light/dark mode), volume controls, game settings
Duration:Up to 1 year
Specific cookies:user_preferences (1 year), video_quality (6 months), game_settings (1 year)

4.4 Advertising and Marketing Cookies

Deliver relevant advertising and measure campaign effectiveness. Can be disabled. Note: We do not use advertising cookies for users under 13.

Third-party partners:Google Ads, Facebook Pixel, LinkedIn Insight Tag
Duration:Up to 2 years
Specific cookies:_fbp (90 days), IDE (1 year), fr (90 days)

4.5 Social Media Cookies

Enable social media sharing and integration. Can be disabled (social features will not work).

Platforms:Facebook, Twitter/X, LinkedIn, YouTube
Duration:Varies by platform

5. Educational Platform Specific Cookies

5.1 Learning Progress Tracking

Save game progress and learning achievements. Essential functionality cookie. Persistent until account deletion.

Data stored:Level completion status, quiz scores and attempts, certification progress, personalized learning path data

5.2 Parental Controls

Enforce age-appropriate content restrictions. Strictly necessary cookie. Session or until explicitly changed.

5.3 Institutional Accounts

Track student progress for educator dashboards. Functionality cookie. Academic year or subscription period.

FERPA Compliance:All educational data cookies are managed in compliance with the Family Educational Rights and Privacy Act.

7. Cookies and Children

We take special care with cookies for users under 13:

Only strictly necessary cookies are used for children's accounts. No behavioral advertising or tracking cookies are set for users under 13. Parental consent is required before setting any persistent cookies for children's accounts. Parents can review and delete cookies associated with their child's account by contacting us at parents@money-smarts.com.

8. Updates to This Cookie Policy

We may update this Cookie Policy to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

Updating the "Last Updated" date at the top of this policy, posting a notice on our website, and sending email notification to registered users for significant changes.

9. Contact Information

Privacy & Cookie Inquiries

Email: privacy@money-smarts.com

Phone: (970) 436-0580

Mail: Privacy Officer, Money Smarts, LLC, Colorado, USA 80550

Parental Inquiries (COPPA)

Email: parents@money-smarts.com