Cookies Policy

1. What Are Cookies?

Cookies are small text files that are placed on your computer, smartphone, or other device when you visit our website. They are widely used to make websites work more efficiently and provide information to website owners. Cookies help us understand how you interact with our content about managing utility payments, budgeting strategies, and household expense reduction for large families.

These files contain information that is transferred to your device's hard drive and enable us to recognize your device and remember certain information about your preferences or past actions on our website.

2. Types of Cookies We Use

We use several types of cookies to enhance your experience on our website:

3. How We Use Cookies

Livingpaths uses cookies for several important purposes to enhance your experience on our website:

• ✓ To Improve Website Functionality: We use cookies to ensure our website works smoothly and efficiently, allowing you to navigate easily through our resources on utility management and expense reduction.
• ✓ To Personalize Your Experience: Cookies help us remember your preferences and provide customized content relevant to large families managing household budgets.
• ✓ To Analyze Website Traffic: We use analytics cookies to understand which pages are most popular, how long visitors stay on our site, and which resources about utility savings are most helpful.
• ✓ To Remember Your Choices: Cookies store information about your calculator inputs, saved articles, and preferred settings for future visits.
• ✓ To Provide Relevant Content: Based on your browsing behavior, we can suggest related articles and resources about managing expenses for large families.
• ✓ To Ensure Security: Security cookies help protect your information and prevent fraudulent activity on our website.

4. Third-Party Cookies

In addition to our own cookies, we may also use various third-party cookies to report usage statistics of our website and deliver advertisements on and through the website. These third parties include:

1. Analytics Providers: Services like Google Analytics help us understand how visitors use our website and identify areas for improvement in our utility management content.
2. Social Media Platforms: If you share our content on social media or interact with social media features on our site, those platforms may set cookies on your device.
3. Advertising Networks: We work with advertising partners who may use cookies to show you relevant advertisements based on your interests in household budgeting and expense management.
4. Content Delivery Networks: These services help deliver our website content quickly and efficiently to users around the world.

Please note that we do not control these third-party cookies, and you should check the respective privacy policies of these third parties for more information about their cookies and how to opt out.

5. Managing Your Cookie Preferences

You have the right to decide whether to accept or reject cookies. Here are several ways you can manage your cookie preferences:

Browser Settings

Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. Here's how to manage cookies in popular browsers:

• Google Chrome: Settings → Privacy and security → Cookies and other site data
• Mozilla Firefox: Options → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Cookies and website data
• Microsoft Edge: Settings → Cookies and site permissions → Cookies and site data
• Opera: Settings → Privacy & security → Cookies

Cookie Consent Tool

When you first visit our website, you'll see a cookie consent banner that allows you to accept or reject different categories of cookies. You can change your preferences at any time by accessing the cookie settings link in our website footer.

6. Cookies and Personal Data

While most cookies do not collect personal data that identifies you directly, some cookies may collect information that could be considered personal data when combined with other information. At Livingpaths, we are committed to protecting your privacy and handling any personal data collected through cookies in accordance with applicable data protection laws.

The information we collect through cookies may include:

• IP address and approximate geographic location
• Browser type and version
• Device type and operating system
• Pages visited and time spent on our website
• Referring website or source
• Interactions with our content about utility management and budgeting

We use this information solely to improve our website and provide better resources for large families seeking to reduce their utility expenses and manage household budgets more effectively.

7. Cookie Retention Periods

Different cookies have different retention periods. Some cookies are deleted automatically when you close your browser (session cookies), while others remain on your device for a specified period or until you manually delete them (persistent cookies).

Our cookie retention periods are as follows:

• Session Cookies: Deleted when you close your browser
• Essential Cookies: Up to 12 months
• Analytics Cookies: Up to 24 months
• Functionality Cookies: Up to 12 months
• Marketing Cookies: Up to 24 months

You can delete cookies at any time through your browser settings, as described in the "Managing Your Cookie Preferences" section above.

8. Updates to This Cookies Policy

We may update this Cookies Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you by posting a prominent notice on our website or by sending you an email notification if you have subscribed to our services.

We encourage you to review this Cookies Policy periodically to stay informed about how we use cookies and similar technologies. The "Last Updated" date at the top of this policy indicates when it was most recently revised. Your continued use of our website after any changes to this policy constitutes your acceptance of the updated terms.

9. Your Rights and Choices

Under applicable data protection laws, you have certain rights regarding the personal data we collect through cookies:

• Right to Access: You can request information about the personal data we hold about you.
• Right to Correction: You can request that we correct any inaccurate personal data.
• Right to Deletion: You can request that we delete your personal data in certain circumstances.
• Right to Object: You can object to our processing of your personal data for certain purposes.
• Right to Withdraw Consent: Where we rely on your consent to process personal data, you can withdraw that consent at any time.

To exercise any of these rights, please contact us using the information provided in the "Contact Us" section below.

10. Children's Privacy

Our website is designed to provide information and resources for adults managing household expenses for large families. We do not knowingly collect personal information from children under the age of 16 through cookies or any other means. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately, and we will take steps to delete such information from our systems.

11. International Data Transfers

Livingpaths operates primarily in Bulgaria, but our website