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Cookie Policy

How we use tracking technologies on luminarytos.com and what that means for your browsing experience

We're not huge fans of legal jargon either, but this stuff matters. When you visit luminarytos.com, we use cookies and similar tracking tech to make things work better. Think of cookies as digital sticky notes that help our site remember you and your preferences.

This page explains what we track, why we do it, and how you can control it. We've tried to keep things straightforward because nobody wants to wade through pages of corporate speak. Last updated March 2025.

What Actually Are Cookies?

Cookies are small text files that get stored on your device when you visit websites. They're not programs or viruses. They can't access other files on your computer or phone. Really, they're just data.

When you come back to our site, these files help us recognize you. That's how we remember your login status, language preferences, and the fact that you've already dismissed that annoying banner (you're welcome). Without cookies, you'd have to re-enter everything each time you visit.

Beyond cookies, we also use pixel tags, web beacons, and local storage. Different names, similar purpose—they help us understand how people interact with our cost management tools and resources.

Types of Tracking We Use

1 Essential Cookies

These keep the site running. They handle security, load balancing, and basic functionality. You can't really turn these off without breaking things. They're the reason you can log in, navigate between pages, and access secure areas.

Examples: Session identifiers, security tokens, load distribution markers

2 Functional Cookies

These remember your choices so you don't have to keep telling us the same stuff. Your preferred currency display, dashboard layout, notification settings—all stored here. The site works without them, but it's less convenient.

Examples: Language preferences, display settings, customization options

3 Analytics Cookies

We use these to understand how visitors use the site. Which pages get ignored? Where do people get stuck? What features actually help? This data guides improvements. We aggregate everything, so individual browsing patterns stay anonymous.

Examples: Page visit counters, time-on-site trackers, navigation path recorders

4 Marketing Cookies

These track your journey across different sites to show you relevant content and ads. We work with third-party platforms that place cookies on our behalf. If you're seeing luminarytos ads after visiting our site, that's these cookies at work.

Examples: Ad network identifiers, conversion trackers, remarketing tags

Taking Control of Your Cookies

You're not stuck with our cookies if you don't want them. Every modern browser lets you block or delete cookies through its settings. Just know that blocking essential cookies will probably break parts of the site.

When you block cookies, you might need to log in more often, reset your preferences each visit, or miss out on personalized features. It's a trade-off between convenience and privacy—only you can decide what works for you.

Chrome

Firefox

Safari

Edge

How Long We Keep Data

Different cookies last different amounts of time. Session cookies disappear when you close your browser. Persistent cookies stick around—some for weeks, others for years. Analytics data typically gets deleted after 26 months. Marketing cookies vary by platform, but most expire within 12 months.

Third-Party Trackers

Some cookies come from external services we use—analytics platforms, payment processors, chat widgets. These companies have their own privacy policies. We vet our partners carefully, but we can't control their practices once data leaves our servers.

Updates and Changes

We update this policy when we add new tracking tools or change how we use existing ones. Check back occasionally if you're curious. Major changes get announced through email notifications to registered users. We'll also update the "last modified" date at the top of this page. If you've got questions about specific tracking practices or want to know exactly what cookies are active on your device right now, your browser's developer tools can show you everything.

Questions About Our Cookie Use?

If something here doesn't make sense or you want more details about our tracking practices, reach out.

help@luminarytos.com

+61 458 019 071

Centro Bankstown Shopping Centre SP103 North Terrace Street, Bankstown NSW 2200, Australia

Policy effective as of March 2025

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We work with students across Australia to make education expenses understandable and manageable. Financial planning shouldn't feel overwhelming.

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