Effective Date: [Insert Date]
Last Updated: [Insert Date]
Website: https://investwis.com
Contact: support@investwis.com

1. What Are Cookies?

Cookies are small text files placed on your device (computer, mobile, or tablet) when you visit our website or use our services. They are widely used to make websites work, improve user experience, analyze performance, and deliver personalized content and advertising.

Cookies may be:

• Session cookies, which are deleted after you close your browser.
• Persistent cookies, which remain on your device until deleted or expired.

2. Why We Use Cookies

InvestWise uses cookies and similar technologies to:

• Enable essential platform features (e.g., user login, authentication)
• Store user preferences and improve usability
• Understand how visitors interact with our site
• Improve system performance, content, and services
• Deliver personalized insights and content (only with consent)
• Comply with legal and security requirements

3. Types of Cookies We Use

• Strictly Necessary Cookies: Required for basic site functions and security. These cannot be disabled.
• Functional Cookies: Store user settings, language, and accessibility preferences.
• Analytics & Performance Cookies: Collect anonymized data to help us improve the user experience and measure site traffic (e.g., Google Analytics).
• Advertising Cookies (if used): Track user behavior across sites to deliver relevant content and ads.

Note: We do not sell or share cookie data with third parties without your explicit consent.

4. Third-Party Cookies

Some cookies on our site are set by third-party services such as:

• Google Analytics – Tracks user behavior and traffic sources
• Meta/Facebook Pixel (if used) – Measures ad performance and retargeting
• Stripe / PayPal / Payment Gateways – For session tracking during transactions

Each third-party provider is responsible for its own privacy and cookie policies.

5. Consent Management

By default, only strictly necessary cookies are active. Upon visiting our site, users are presented with a cookie consent banner. You can:

• Accept all cookies
• Customize cookie preferences
• Decline optional cookies

Your choices are stored for 12 months (or as required by law) and can be modified at any time via the [Cookie Settings] link in the footer.

6. Managing or Disabling Cookies

You may manage or disable cookies through:

• Browser Settings: You can clear or block cookies in your browser (Chrome, Safari, Firefox, Edge, etc.)
• Platform Settings: Use our in-site Cookie Preferences panel
• Third-party opt-outs: e.g., Google Ads Settings

Note: Disabling certain cookies may affect the functionality or performance of the site.

7. International & UAE Users

If you are located in the European Union (EU) or United Arab Emirates (UAE):

• We comply with UAE Federal Decree-Law No. 45 of 2021 (PDPL) regarding personal data processing
• For EU users, we follow the ePrivacy Directive and GDPR for obtaining cookie consent
• We do not collect or transfer personal data outside the UAE or EU without legal basis

8. Updates to This Policy

We may update this Cookies Policy from time to time due to legal changes or new technologies. Any updates will be posted on this page with a revised effective date. You are encouraged to review it regularly.

9. Contact Us

If you have any questions about this policy or how we use cookies:

📧 Email: support@investwis.com
🌐 Website: https://investwis.com
📍 Entity: InvestWise (individually owned, UAE-based)