Cookie Policy
Last updated: 15 January 2025
This policy explains how loqilumira uses tracking technologies on loqilumira.com. We're being upfront about what information gets collected when you visit our banking education platform and why it matters for your experience.
Most sites use some form of tracking. We do too, but we want you to understand exactly what's happening behind the scenes. No confusing jargon or buried details.
What Are Cookies Anyway
Cookies are small text files that get stored on your device when you visit websites. Think of them as digital sticky notes that help the site remember things about your visit.
They're not programs or viruses. They can't access your files or personal information beyond what you choose to share with a website. They just sit there storing bits of data like whether you've logged in or what pages you've looked at.
Some cookies disappear when you close your browser (session cookies). Others hang around for weeks or months (persistent cookies). Each type serves different purposes, and we'll break down exactly what we use below.
Types of Tracking We Use
Essential CookiesAlways Active
These keep the site functioning properly. They handle things like remembering your login session, keeping your language preferences, and ensuring security features work correctly. Without these, you wouldn't be able to navigate between pages while staying logged in or access secure areas of our platform.
Functional Cookies
These remember your preferences and choices. If you adjust text size, select specific learning modules, or customize your dashboard view, these cookies save those settings so you don't have to reconfigure everything each time you visit.
Analytics Cookies
These help us understand how people use the site. We track which educational resources get the most attention, where people spend their time, and where they encounter problems. This data helps us improve content and fix issues that frustrate users.
Marketing Cookies
These track your interests across our site and occasionally on other platforms. They help us show you relevant educational content and program information based on what topics you've explored. They also measure whether our outreach efforts actually connect with interested learners.
Specific Cookies We Deploy
Here's the complete breakdown of what's actually running on loqilumira.com right now:
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| session_id | Maintains your login session | Session | Essential |
| user_prefs | Stores interface customizations | 90 days | Functional |
| _ga | Google Analytics visitor tracking | 2 years | Analytics |
| _gid | Google Analytics session distinction | 24 hours | Analytics |
| course_progress | Tracks module completion | 180 days | Functional |
| marketing_source | Records how you found us | 30 days | Marketing |
Why This Actually Matters
Analytics cookies show us that our mortgage basics module gets abandoned halfway through at a specific video. That tells us something's wrong with that content. We investigate, find the video quality is poor, and fix it. Without tracking, we'd never know there was a problem.
Functional cookies mean returning students don't have to reset their dashboard preferences every single visit. It's a small thing, but it adds up when you're trying to focus on learning complex financial concepts.
Marketing cookies help us stop showing mortgage refinancing content to people who've already completed that course and are now interested in investment banking. Better targeting means less irrelevant noise in your experience.
The Trade-offs
More tracking generally means a more personalized experience. But it also means more data about your behavior gets collected and analyzed. Some people are fine with that exchange. Others prefer to keep their browsing private even if it means a less tailored experience.
That's why we give you control over non-essential tracking. Essential cookies have to stay active or the site literally won't work properly, but everything else is your choice.
Taking Control
Your Browser Settings
Every major browser lets you manage cookies directly. You can block all cookies, block third-party cookies, or delete existing ones. The catch is that blocking all cookies will break most modern websites, including ours.
Here's where to find cookie controls in popular browsers:
Our Preference Tool
The button at the top of this page lets you reject all non-essential cookies with one click. This keeps only the essential functionality cookies active while blocking analytics and marketing tracking.
Your choice gets saved in your browser's local storage, so you won't see cookie banners every time you visit. If you clear your browser data, you'll need to set your preferences again.
Third-Party Services
We use Google Analytics to track site usage. This means Google also sets cookies on loqilumira.com to collect data. Their cookies follow their own policies, which we don't control.
You can opt out of Google Analytics specifically by installing their browser add-on or by adjusting your Google account settings. But this only affects Google tracking, not the other cookies we use directly.
Data Sharing
Cookie data collected by third parties like Google doesn't get sent to us in raw form. We receive aggregated reports and anonymized statistics. We don't get lists of individual users or detailed browsing histories.
That said, Google and similar services do have access to that individual-level data within their own systems. That's part of why third-party tracking is more controversial than first-party cookies.
Data Retention
Different cookies expire at different times as shown in the table above. Session cookies disappear when you close your browser. Others stick around for days, months, or years depending on their purpose.
We review our cookie usage annually and remove any that no longer serve a clear purpose. As of January 2025, the cookies listed in this policy are all actively in use.
Server logs that record cookie data get retained for 90 days, then automatically deleted. Analytics data gets anonymized after 6 months so it can't be connected back to individual users even if someone wanted to.
Updates to This Policy
We'll update this document when we add new tracking technologies or change how we use existing ones. The "last updated" date at the top reflects the most recent changes.
Major changes that affect your privacy will trigger a notification when you next visit the site. Minor updates won't interrupt your experience, but the updated policy will always be available here.
Questions About Cookies
If something about our tracking practices isn't clear, reach out and we'll explain it in plain terms. We'd rather answer questions than leave people confused or concerned.