What this application sets
This edition does not intentionally set advertising, analytics, account-login, or newsletter cookies. Calculator state is held in the page’s memory rather than stored in a CreditGuideHub database. Refreshing or leaving a tool can reset its inputs.
Hosting and outside sites
Hosting security or infrastructure services may operate separately from the application. Check the deployed site and hosting configuration for their actual behavior. External source websites can set their own cookies after you visit them.
Future advertising
Ad serving is disabled in this edition. Enabling Google ads is a separate operational change. The publisher must satisfy Google’s applicable consent requirements, including use of a Google-certified consent management platform where required, and update the privacy/cookie notices before advertising is enabled. A generic cookie notice is not a substitute for that configuration.
Browser controls
Your browser settings can control cookies and clear stored site data. Blocking scripts can affect interactive calculators. The application does not require you to accept advertising cookies to read its educational guides.