How We Use Tracking Technologies
Last Updated: March 2025
We're upfront about how osmarquilo.com tracks your activity. When you visit our site, we collect information through various technologies that help us understand how people use our financial ratio tools and educational resources.
This page explains what tracking methods we use, why we need them, and how you can manage your preferences. We believe in transparency around data collection—especially when it comes to financial education.
What Tracking Technologies Do
Think of these technologies as small data collectors that remember your preferences and track how you move through our site. They're text files stored on your device that communicate with our servers every time you visit a page.
Some are essential for basic functionality. Others help us improve the learning experience by showing us which ratio calculators get the most use or where people get stuck in a course module.
We started using more sophisticated tracking in late 2024 when we rebuilt our platform. The goal was to create a more personalized learning path for each person studying financial ratios—whether you're a small business owner or an accounting student.
Types of Tracking We Use
Essential Operations
These make the site work properly. They remember your login status, keep your calculator inputs saved between pages, and maintain your course progress.
Without them, you'd have to re-enter information constantly and couldn't access member-only resources.
Functional Preferences
These remember your choices like which ratio formulas you've marked as favorites or whether you prefer video explanations over text tutorials.
They save you time by personalizing your dashboard based on previous behavior.
Performance Analysis
We track which pages load slowly, where errors occur, and how long people spend on specific ratio explanations.
This data helps us identify technical problems and content that needs better clarity.
Marketing Insights
These track which course advertisements brought you here and whether you engaged with our email campaigns about upcoming programs.
We use this to understand which outreach efforts actually help people find relevant financial education.
Specific Examples From Our Platform
- Session authentication keeps you logged in while you move between the debt ratio calculator and the equity multiplier tutorial
- Progress tracking remembers you completed modules 1-3 of the liquidity ratios course but haven't started module 4 yet
- Preference storage recalls that you selected "show detailed explanations" for all formula breakdowns
- Heatmap tracking shows us that most people scroll halfway through the current ratio page before jumping to the calculator
- Campaign attribution tells us whether you found us through a search about profitability ratios or from a referral link
- Form completion tracking helps us see where people abandon the course enrollment process
We review this data quarterly to make decisions about content updates and platform improvements. For instance, in February 2025 we noticed that people spent 40% longer on ratio pages that included real Australian business examples compared to generic scenarios.
Third-Party Tracking
We work with external services that place their own tracking mechanisms on our site. This includes analytics platforms that help us understand traffic patterns and advertising networks that show you relevant course promotions after you leave our site.
These third parties have their own data policies. We select partners carefully, but we can't control their tracking methods once they're implemented on our platform.
Current Third-Party Services
Analytics providers track visitor behavior and generate reports about site usage patterns. Advertising platforms monitor which promotional content leads to course enrollments. Payment processors maintain security tracking to prevent fraudulent transactions.
Video hosting services track playback statistics when you watch ratio explanation videos embedded on our site.
Managing Your Tracking Preferences
You control most tracking through your browser settings. Modern browsers let you block third-party trackers, delete existing data files, or set automatic deletion rules.
Keep in mind that blocking essential tracking will break core site functionality. You won't be able to log in or maintain course progress if you disable all tracking mechanisms.
Chrome
Settings → Privacy and Security → Clear Browsing Data or adjust site-specific permissions
Firefox
Options → Privacy & Security → Enhanced Tracking Protection with custom settings
Safari
Preferences → Privacy → Manage Website Data and tracking prevention options
How Long We Keep Tracking Data
Retention Timeframes
Essential tracking data lasts as long as your session remains active—usually until you close your browser or log out manually.
Functional preferences stay for 12 months unless you clear them earlier. This means your dashboard customizations will persist between visits throughout the year.
Analytics data gets anonymized after 90 days and aggregated into summary reports that don't identify individual users. Marketing tracking typically expires after 30 days or when you complete a conversion action like enrolling in a course.
We review and delete outdated tracking data every quarter as part of our routine data management process. You can request immediate deletion of your tracking data by contacting us directly.
Technical Details
| Tracking Type | Duration | Purpose |
|---|---|---|
| Session Authentication | Until browser close | Maintains login status |
| Course Progress | 12 months | Remembers completed modules |
| Calculator Preferences | 6 months | Saves favorite ratios and settings |
| Analytics Tracking | 90 days | Site usage and behavior patterns |
| Marketing Attribution | 30 days | Tracks campaign effectiveness |
Updates to This Policy
We adjust our tracking methods as technology changes and as we add new features to the platform. When we make significant changes, we'll update the date at the top of this page and notify active users through their dashboard.
Our autumn 2025 platform update will introduce new preference controls that give you more granular choices about which tracking technologies you want to enable. We're building an interactive preference center where you can toggle different tracking categories on or off.
Check back periodically if you want to stay informed about our tracking practices. We don't make changes frequently, but when we do, we try to give advance notice.
Questions About Our Tracking?
If something isn't clear or you want specific information about how we track your activity, get in touch with us directly.