Cookies Policy

1. What Are Cookies?

Cookies are small text files stored on your device—whether a computer, smartphone, or tablet—when you visit a website. They help improve site functionality, enhance user experience, and provide technical and analytical insights to website operators.

Cookies may be temporary “session cookies” (deleted when your browser closes) or “persistent cookies” (stored until removed or expired). They can also be classified as "first-party cookies" placed directly by CalvenRidge Trust, or "third-party cookies" set by approved partners.

This Cookies Policy outlines how CalvenRidge Trust ("we," "us," "our") uses cookies and similar tracking technologies across our website and mobile applications (collectively, "the Platform"). For additional information, please also review our Privacy Policy and Terms & Conditions.

2. Why We Use Cookies

CalvenRidge Trust uses cookies for several key purposes:

• Essential Functionality: Enables login authentication, secure session handling, and access to protected areas of the trading interface
• Security: Detects suspicious behaviour, prevents unauthorised access, and strengthens fraud protection
• User Preferences: Stores your language settings, interface layout, and personal customisations
• Performance Monitoring: Helps diagnose technical issues and optimise platform efficiency
• Analytics: Helps us understand how users interact with the Platform to improve features and usability
• Marketing: Supports delivery of more relevant ads and measures the effectiveness of advertising campaigns

3. Types of Cookies We Use

3.1 Strictly Necessary Cookies

These cookies enable essential platform functions. Without them, secure login and critical trading tools cannot operate.

Cookie Name	Purpose	Duration
session_id	Maintains your authenticated session	Session
csrf_token	Protects against CSRF attacks	Session
load_balancer	Optimises server routing	Session
cookie_consent	Saves your cookie selections	12 months

These cookies cannot be disabled as they are required for the Platform to function properly.

3.2 Performance and Analytics Cookies

These cookies help us learn how the Platform performs and how users interact with it. All collected data is aggregated.

Cookie Name	Provider	Purpose	Duration
_ga	Google Analytics	Tracks unique users and sessions	2 years
_gid	Google Analytics	Stores user interaction data	24 hours
_gat	Google Analytics	Regulates request rate	1 minute
_hjSessionUser	Hotjar	Supports heatmap and session analysis	1 year

You can disable analytics cookies through your cookie settings.

3.3 Functionality Cookies

These cookies enhance personalisation by remembering your settings and preferences.

Cookie Name	Purpose	Duration
user_preferences	Stores layout and interface settings	1 year
language	Remembers language preference	6 months
remember_me	Maintains login session when chosen	30 days

3.4 Targeting and Advertising Cookies

These cookies assist in providing more personalised advertising based on your browsing activities.

Cookie Name	Provider	Purpose	Duration
_fbp	Facebook Pixel	Delivers targeted social ads	3 months
IDE	Google Ads	Measures ad and retargeting effectiveness	13 months
_gcl_au	Google Ads	Tracks conversion performance	3 months

You can opt out of targeted cookies via cookie settings or external opt-out tools (see Section 7).

4. Other Tracking Technologies

4.1 Web Beacons (Pixels)

Web beacons are transparent image files used to track page views, email opens, and other engagement metrics.

4.2 Local Storage

Local storage enables faster loading and improved offline capability by saving interface states such as cached chart data.

4.3 Device Fingerprinting

We may analyse device attributes to detect unusual behaviour and prevent fraudulent activities. This data is used solely for security purposes.

5. Third-Party Cookies

Your interaction with the Platform may involve cookies from trusted service providers, including:

• Google Analytics: Behaviour insights and traffic analysis
• Hotjar: Heatmaps and user feedback analysis
• Facebook Pixel: Targeted advertising and conversion reporting
• Google Ads: Campaign optimisation and retargeting
• Intercom: Live support and messaging analytics
• Stripe: Payment processing and fraud detection

Learn more through their policies:

• Google Privacy Policy: https://policies.google.com/privacy
• Facebook Data Policy: https://www.facebook.com/privacy/explanation
• Hotjar Privacy Policy: https://www.hotjar.com/legal/policies/privacy/

6. Managing Your Cookie Preferences

You control how cookies are used.

6.1 Cookie Consent Banner

When you first visit our Platform, you'll be able to accept, reject, or customise cookie settings. Adjust these anytime via the “Cookie Settings” link in the footer.

6.2 Browser Settings

Most browsers allow cookie management:

• Chrome: Settings → Privacy → Cookies
• Firefox: Options → Privacy & Security
• Safari: Preferences → Privacy
• Edge: Settings → Cookies and site permissions

6.3 Mobile Device Settings

Disable personalised ads via:

• iOS: Settings → Privacy → Tracking
• Android: Settings → Google → Ads

7. Opting Out of Targeted Advertising

You can reduce personalised ads using:

• DAA Australia: youronlinechoices.com.au
• Network Advertising Initiative: networkadvertising.org/choices
• Google Ads Settings: adssettings.google.com
• Facebook Ad Preferences: facebook.com/ads/preferences

8. Updates to This Cookies Policy

We may revise this Cookies Policy as technologies evolve or legal obligations change. Significant updates will be communicated via email or notice on the Platform.

Last Updated: 26 November 2024
Next Review Date: June 2025

9. Contact Us About Cookies

If you have questions regarding cookies or privacy:

Privacy Team
CalvenRidge Trust
Email: [email protected]
Phone: 1800 Trust (1800 639 843)
Post: Privacy Officer, CalvenRidge Trust,
Level 12, 120 Collins Street, Melbourne VIC 3000, Australia