Effective Date: November 18, 2025
This Cookie Policy explains what cookies are, how Savvy Investor Guide uses them, what types of cookies we use, and how you can manage your cookie preferences. By using our website, you consent to the use of cookies as described in this policy.
1. What Are Cookies?
Cookies are small text files that are placed on your device (computer, tablet, smartphone) when you visit a website. Cookies serve several purposes:
- Remember your preferences: Such as language settings, display options, and consent choices
- Improve website performance: By caching content and reducing server load
- Analyze website usage: To understand how visitors interact with our content
- Enable functionality: Such as interactive calculators and tools
- Maintain security: By detecting suspicious activity, preventing spam, and identifying bots
Cookies can be “persistent” (remain on your device until deleted or expired) or “session” (deleted when you close your browser).
2. How We Use Cookies
Savvy Investor Guide uses both first-party cookies (set by our website) and third-party cookies (set by external services we use, such as analytics providers and content delivery networks).
2.1 First-Party Cookies
These cookies are set directly by Savvy Investor Guide and are essential for our website to function properly. They include:
- Performance cookies: Caching and page load optimization (LiteSpeed Cache)
- Functionality cookies: Remember your preferences and settings
- Security cookies: Protect against spam, bots, and malicious activity (Google reCAPTCHA)
- Consent cookies: Remember your cookie preferences (our custom consent system)
2.2 Third-Party Cookies
Third-party services we use may set their own cookies:
- Analytics cookies: Google Analytics tracks website usage and performance (only with your consent)
- Security cookies: Google reCAPTCHA protects forms from spam and bots
- Social media cookies: Pinterest may set cookies when you share content
- Embedded content cookies: YouTube videos, social media embeds may set cookies
3. Specific Cookies We Use
Below is a detailed list of cookies currently used on Savvy Investor Guide. This list is automatically updated when we scan for cookies on our website:
3.1 Essential Cookies (Cannot Be Disabled)
These cookies are required to enable the basic features of the site and cannot be disabled without preventing the website from functioning properly.
| Cookie Name | Purpose | Duration | Category |
|---|---|---|---|
| sig_cookie_consent | Stores your cookie consent preferences | 365 days | Necessary |
| PHPSESSID | PHP session management | Session | Necessary |
| wpEmojiSettingsSupports | WordPress emoji support detection | Session | Necessary |
Last scanned: 2025-11-18 21:11:07
Note on Necessary Cookies: These cookies are essential for the website to function and for security purposes. Under UK GDPR and PECR regulations, strictly necessary cookies do not require consent as they are needed for the legitimate interest of operating a secure website.
3.2 Performance and Analytics Cookies
These cookies help us understand how visitors interact with the website and allow us to improve the user experience. These cookies are only set if you consent to analytics tracking.
| Cookie Name | Purpose | Duration | Category |
|---|---|---|---|
| _ga | Google Analytics – distinguishes users | 2 years | Analytics |
| _ga_* | Google Analytics – property-specific data | 2 years | Analytics |
Last scanned: 2025-11-18 21:11:07
Note on Google Analytics: These cookies only load if you accept analytics cookies through our consent banner. Google Analytics stores information anonymously and assigns a randomly generated number to recognize unique visitors. We have configured Google Analytics with IP anonymization to protect your privacy.
We use analytics data to understand which articles are most helpful, how readers navigate our content, and where we can improve the user experience. This helps us create better educational content for investors.
3.3 Advertisement Cookies
These cookies are used for social sharing and may be used for advertising purposes. These cookies are only set if you consent to advertisement cookies.
| Cookie Name | Purpose | Duration | Category |
|---|
Last scanned: 2025-11-18 21:11:07
3.4 Third-Party Embedded Content Cookies
When we embed content from third-party services, those services may set their own cookies:
| Service | Cookies Used | Purpose |
|---|---|---|
| YouTube | VISITOR_INFO1_LIVE, YSC, PREF | Video playback, user preferences, analytics |
| Twitter/X | personalization_id, guest_id | Social media integration, tracking |
| li_sugr, lidc, UserMatchHistory | Social sharing, analytics |
Note: We have no control over third-party cookies. Please review the privacy policies of these services:
- Google/YouTube: https://policies.google.com/privacy
- Twitter/X: https://twitter.com/en/privacy
- LinkedIn: https://www.linkedin.com/legal/privacy-policy
- Pinterest: https://policy.pinterest.com/en/privacy-policy
4. Cookie Categories
4.1 Strictly Necessary Cookies
These cookies are essential for the website to function and cannot be disabled. They include:
- Cookie consent management (sig_cookie_consent)
- Session management cookies (PHPSESSID)
- Security and anti-spam cookies (Google reCAPTCHA)
- Performance caching (LiteSpeed Cache)
- WordPress functionality (emoji support)
Legal basis (UK GDPR): Legitimate interest – necessary for website operation and security
4.2 Performance and Analytics Cookies
These cookies help us understand how visitors use our website:
- Google Analytics tracking (_ga, _ga_*)
- Page view statistics
- User journey analysis
- Article engagement metrics
Legal basis (UK GDPR): Consent (you can opt out – see Section 6)
4.3 Advertisement Cookies
These cookies track social sharing and may be used for advertising purposes:
- Pinterest sharing cookies (_pin_unauth)
- Social media integration
Legal basis (UK GDPR): Consent
5. Calculator Privacy
Important Clarification:
Our interactive calculators (Roth IRA calculator, HSA calculator, property investment calculator, etc.) do NOT use cookies to store your financial data or calculation inputs.
All calculations occur entirely in your browser using JavaScript. We do not store the specific numbers you enter. Your financial data remains completely private and never leaves your device. See our Privacy Policy for more details.
6. Managing Your Cookie Preferences
6.1 Cookie Consent Banner
When you first visit Savvy Investor Guide, you’ll see a cookie consent banner. You can:
- Accept All: Allows all cookies including analytics and advertising
- Reject Optional: Only strictly necessary cookies will be used
- Customize: Choose which cookie categories to allow (opens preference modal)
Your choice is stored for 365 days. To change your cookie preferences at any time, click the floating settings icon (gear icon) in the bottom-right corner of any page.
Our Cookie Consent System:
We use a custom-built cookie consent management system that complies with UK GDPR and PECR regulations. Your consent preferences are stored locally on your device and never shared with third parties. The system is designed to respect your privacy while allowing you full control over your cookie preferences.
6.2 Browser Settings
You can also manage cookies through your browser settings. Most browsers allow you to:
- Block all cookies
- Block third-party cookies only
- Delete cookies after each browsing session
- View and delete specific cookies
Browser-specific instructions:
- Google Chrome: Clear, enable, and manage cookies in Chrome
- Mozilla Firefox: Clear cookies and site data in Firefox
- Apple Safari: Manage cookies and website data in Safari
- Microsoft Edge: Delete cookies in Microsoft Edge
Warning: Blocking or deleting cookies may affect your experience on our website. Some features may not work properly, and you may need to re-enter preferences each visit.
Strictly necessary cookies cannot be disabled through browser settings without preventing the website from functioning.
6.3 Google Analytics Opt-Out
To specifically opt out of Google Analytics tracking across all websites, install the Google Analytics Opt-out Browser Add-on.
7. Do Not Track Signals
Some browsers include a “Do Not Track” (DNT) feature that signals websites you don’t want to be tracked. Currently, there is no universal standard for how websites should respond to DNT signals.
Our website does not currently respond to DNT signals. However, you can manage cookies through your browser settings or our cookie consent banner as described in Section 6.
8. Regulatory Compliance
8.1 UK PECR Compliance
This Cookie Policy complies with the UK Privacy and Electronic Communications Regulations (PECR), which require:
- Clear information about cookies being used
- Consent before setting non-essential cookies
- Ability to withdraw consent at any time
We use a custom cookie consent management system specifically designed to comply with UK GDPR and PECR regulations. This system ensures that non-essential cookies are only loaded after you provide explicit consent.
8.2 UK GDPR Compliance
Under UK GDPR, you have rights regarding cookies that collect personal data:
- Right to access: Request information about cookies that collect your data
- Right to erasure: Request deletion of data collected via cookies
- Right to object: Object to cookies used for profiling or marketing
- Right to withdraw consent: Withdraw cookie consent at any time
For more information about your data rights, see our Privacy Policy.
9. Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect:
- Changes in cookies we use
- New third-party services we implement
- Updates to legal requirements
- Improvements to our website functionality
When we make significant changes, we’ll update the “Last Updated” date at the top of this page. We encourage you to review this Cookie Policy periodically.
10. Contact Us
If you have questions about our use of cookies or this Cookie Policy, please contact us:
The Savvy Investor Limited
Data Protection Officer
2nd Floor, College House
17 King Edwards Road
Ruislip, London HA4 7AE
United Kingdom
Email: info@savvyinvestorguide.com
Phone: +44 204 579 0881
Company Information:
The Savvy Investor Limited is registered in England and Wales under Company No. 14816921.
Registered office: 2nd Floor, College House, 17 King Edwards Road, Ruislip, London HA4 7AE, United Kingdom.