Welcome to Banking Guide: US Banking & Money Guide (the “Site”), accessible at https://www.guiabancario.com/. This Cookie Policy explains how we use cookies and similar tracking technologies on our Website to enhance user experience, deliver personalized content on US banking, personal finance, and health-finance topics (e.g., medical bill savings, HSA accounts, pharmacy discounts), and comply with Google AdSense monetization standards.
We respect your privacy and are committed to transparency. This policy details the types of cookies we use, their purposes, and your control options. By using our Services, you consent to the use of cookies as described below, subject to your browser settings and consent preferences. For California residents, this aligns with CCPA requirements.
What Are Cookies?
Cookies are small text files stored on your device (computer, tablet, or mobile) by websites you visit. They help us remember your preferences, analyze site usage, and serve relevant ads (e.g., banking offers near finance guides or insurance deals near healthcare savings articles). We also use similar technologies like pixels, web beacons, and local storage.
Our Site is optimized for US audiences, so cookies support GEO-targeting (e.g., Texas banking rates) without collecting sensitive health data.
Types of Cookies We Use
We classify cookies by purpose and lifespan. You can manage them via our cookie consent banner (powered by plugins like Complianz or CookieYes in WordPress) or browser settings.
1. Strictly Necessary Cookies (Always Active)
These ensure core functionality and cannot be disabled without breaking the Site.
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
| PHPSESSID | guiabancario.com | Session management for navigation | Session |
| wordpress_* | guiabancario.com | WordPress login, security | 1 year |
| wp-settings-* | guiabancario.com | User interface preferences | 1 year |
2. Performance Cookies (Analytics)
These collect anonymized data to improve Site speed and content relevance (e.g., popular finance calculators).
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
| _ga, _gid | Google Analytics | Traffic analysis (US visitor trends) | 2 years / 24 hours |
| _gat | Google Analytics | Rate limiting | 1 minute |
3. Functional Cookies
Enhance usability, like remembering category preferences (e.g., “Doctor Savings” vs. “Credit Building”).
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
| pll_language | Polylang (if multilingual) | Language settings | 1 year |
4. Targeting/Advertising Cookies (AdSense & Partners)
Enable personalized ads via Google AdSense, maximizing eCPM for finance/health ads without profiling sensitive data.
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
| IDE, DSID | Google AdSense | Ad personalization (e.g., loans near debt articles) | 1 year |
| _gads, _gac | Google Ads | Conversion tracking | 1 year / 90 days |
| test_cookie | AdSense eligibility check | 15 minutes |
We do not use third-party cookies for health tracking; finance ads are contextual (e.g., HSAs near medical savings posts).
How We Use Cookies
- Essential Operations: Maintain logins, prevent fraud on finance tools.
- Analytics: Google Analytics tracks US traffic (e.g., pages/sec on budgeting guides) for SEO improvements. Data is aggregated; no personal identifiers.
- Advertising: AdSense cookies serve relevant ads (high-CPC like insurance/banks) based on visit history, not personal data. We comply with IAB Transparency & Consent Framework.
- Personalization: Remember preferences for health-finance silos without storing medical info.
Third-Party Cookies
Embedded services may set cookies:
- Google Services: Analytics, AdSense, Site Kit (for WordPress dashboard).
- Social Share Buttons: Facebook Pixel, Twitter (if enabled) for sharing articles.
- Embeds: YouTube videos on finance tips (cookies set only on play).
Review their policies: Google Privacy, Facebook.
Your Cookie Choices & Controls
- Consent Banner: On first visit, accept/reject non-essential cookies. Update anytime via footer link.
- Browser Settings: Block cookies in Chrome/Firefox (may impair functionality).
- Do Not Track (DNT): We honor DNT signals where possible.
- Opt-Out Tools:
- Google Ads: ads.google.com
- Analytics: tools.google.com
- CCPA: California users can request data deletion via contact form.
- Plugins: Rank Math/Site Kit logs consents for audits.
Changes take effect immediately. Note: Disabling cookies may limit ad personalization, reducing Site revenue.
Data Retention & Security
Cookies expire as listed. We use HTTPS, secure flags, and WordPress security (e.g., Wordfence) to protect data. No cookies store sensitive info like SSN or medical records.
International Transfers
US-based servers (e.g., Cloudflare CDN). EU/UK visitors: Data processed under EU-US Data Privacy Framework.
Changes to This Policy
Updates posted here with “Last Updated” date. Continued use implies acceptance. Check annually.
Contact Us
Questions? Email [[email protected]] or use our Contact page. For CCPA requests: “CCPA Opt-Out” subject.
Banking Guide is committed to AdSense compliance and user trust. This policy (1,047 words) ensures transparency for finance/health content.