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Cookie Policy

Effective date: July 31, 2026
Last updated: July 31, 2026

This Cookie Policy explains how Debora T DiBiasie, doing business through the applicable AVBrand, uses cookies, pixels, local storage, software development kits and similar technologies across AltaVidaSites.

“Site” means an individual website, application, subdomain or digital service included within AltaVidaSites.

“AVBrand” refers to the applicable public-facing brand, including AltaVida Capital, AltaVida Unlimited and AltaVida Offices.

“AltaVidaSites” means:

  • altavidacapital.com;
    • altavidaunlimited.com; and
    • altavidaoffices.com.

AltaVidaSites also includes their subdomains, applications, portals, assessments, calculators, forms, reports and other digital services operated through an AVBrand.

This Cookie Policy should be read together with our:

  • Privacy Policy
  • Terms of Use
  • Legal Disclaimer
  1. What is a cookie?

A cookie is a small data file stored on or accessed through a user’s Device when the user visits a website.

Cookies may allow a website or service provider to:

  • recognize a browser or Device;
  • maintain a user session;
  • remember settings;
  • authenticate an account;
  • protect against fraud;
  • measure Site use;
  • diagnose errors;
  • deliver embedded content; or
  • support advertising or audience measurement.

Some cookies expire when the browser is closed. Others remain until their stated expiration date or until the user deletes them.

  1. Similar technologies

AltaVidaSites may also use technologies that function similarly to cookies.

Pixels and tags

Pixels or tags may record actions such as:

  • opening a page;
  • clicking a link;
  • opening an email;
  • submitting a form;
  • viewing a product;
  • reaching a conversion page; or
  • interacting with an advertisement.

Tracking pixels can sometimes collect or transmit detailed information about page activity and user interactions.

Local storage

Local storage allows information to remain in a browser or Device. It may be used for:

  • preferences;
  • temporary application data;
  • draft information;
  • authentication state;
  • consent selections; and
  • functionality.

Software development kits

Applications may use software development kits to provide:

  • authentication;
  • analytics;
  • error reporting;
  • security;
  • communications; and
  • application functionality.

Device and browser identifiers

A Site or service provider may use:

  • IP addresses;
  • cookie identifiers;
  • browser identifiers;
  • session identifiers;
  • advertising identifiers; or
  • other technical identifiers.
  1. Why we use cookies and similar technologies

Depending on the Site and the services activated, we may use these technologies to:

  • operate AltaVidaSites;
  • maintain secure sessions;
  • authenticate users;
  • prevent fraud and abuse;
  • remember user settings;
  • preserve consent choices;
  • deliver assessments and calculators;
  • maintain partially completed forms;
  • generate reports;
  • measure Site performance;
  • diagnose errors;
  • understand how users navigate AltaVidaSites;
  • improve educational resources;
  • measure email delivery and engagement;
  • support embedded videos, maps, scheduling tools, or other content;
  • comply with legal obligations.

We will not use a category of technology for a materially different purpose without updating the applicable notice and obtaining consent where required.

  1. Categories of cookies
  2. Strictly necessary cookies

Strictly necessary cookies support essential Site functions, such as:

  • maintaining security;
  • preventing fraudulent activity;
  • authenticating users;
  • maintaining a session;
  • balancing technical traffic;
  • remembering privacy choices;
  • processing a requested form;
  • operating a shopping cart;
  • preserving application functionality; and
  • delivering a service expressly requested by the user.

Because these technologies are required to operate the requested service, they may not be subject to an ordinary opt-in choice.

  1. Preference and functionality cookies

These cookies may remember choices such as:

  • language;
  • region;
  • display preferences;
  • accessibility settings;
  • saved selections;
  • application preferences; and
  • previously entered non-sensitive information.

Disabling these cookies may reduce certain conveniences or personalized functions.

  1. Analytics and performance cookies

These technologies may help us understand:

  • which pages are visited;
  • how visitors reach a Site;
  • how long users remain;
  • which links are selected;
  • which Devices and browsers are used;
  • where technical errors occur;
  • how applications perform; and
  • which educational resources are useful.

Depending on configuration, analytics information may be aggregated, pseudonymous, or associated with a Device or browser identifier.

Where required, analytics technologies will remain inactive until the user provides consent.

  1. Marketing and advertising cookies

If activated, marketing or advertising technologies may be used to:

  • measure advertising campaigns;
  • identify whether a user reached the Site through an advertisement;
  • limit the frequency of advertisements;
  • create or measure audiences;
  • personalize advertising;
  • conduct remarketing or retargeting; and
  • understand activity across different websites or services.

These technologies may involve disclosure of online activity to advertising or social-media platforms.

  1. Embedded-content cookies

Third-party content may set or access cookies when a user interacts with:

  • videos;
  • maps;
  • scheduling tools;
  • social-media posts;
  • payment systems;
  • forms;
  • chat systems;
  • downloadable-content platforms; or
  • other embedded services.

Third-party providers control their own technologies and privacy practices.

  1. First-party and third-party cookies

First-party cookies

First-party cookies are set by the Site domain the user is visiting.

They may support:

  • Site functionality;
  • consent records;
  • authentication;
  • security;
  • preferences; and
  • application operation.

Third-party cookies

Third-party cookies are set or accessed by another organization through technology used on a Site.

Potential third parties may include:

  • hosting providers;
  • analytics providers;
  • email providers;
  • social-media platforms;
  • advertising networks;
  • payment processors;
  • scheduling services;
  • video platforms;
  • security providers; and
  • application service providers.

We do not control all third-party cookie durations or independent data practices.

  1. Session and persistent cookies

Session cookies

Session cookies ordinarily expire when the user closes the browser.

They may be used to:

  • maintain navigation;
  • secure a form session;
  • operate a calculator;
  • preserve temporary application state; and
  • authenticate a user during a visit.

Persistent cookies

Persistent cookies remain for a specified period or until deleted.

They may be used to:

  • remember settings;
  • recognize a returning browser;
  • retain privacy choices;
  • support account access;
  • measure usage over time; or
  • limit repeated notices.
  1. Consent and cookie preferences

Where required, AltaVidaSites will request consent before placing or accessing nonessential cookies or similar technologies.

Where consent controls are available, users may:

  • accept all optional technologies;
  • reject all optional technologies;
  • select categories;
  • review purposes;
  • change selections later; and
  • withdraw consent as easily as it was given.
  1. How to change cookie choices

When a consent-management tool is installed, users may change choices through a footer link labeled:

Cookie Settings

Users may also manage cookies through browser settings. Browser controls may allow users to:

  • view cookies;
  • block cookies;
  • delete cookies;
  • limit third-party cookies;
  • clear Site data; and
  • change tracking settings.

Blocking strictly necessary technologies may cause:

  • account-login failure;
  • broken forms;
  • incomplete reports;
  • lost preferences;
  • interrupted applications; or
  • other Site malfunctions.
  1. Browser privacy controls and Global Privacy Control

Some browsers and extensions transmit privacy preference signals.

Where required by applicable law, we will process a legally recognized opt-out preference signal, such as Global Privacy Control, as a request to opt out of qualifying sale or sharing for the browser or Device from which the signal is received.

A browser-level signal may not automatically apply to:

  • another browser;
  • another Device;
  • offline information;
  • a separate account; or
  • information that cannot reasonably be associated with the signal.
  1. California disclosures

This section applies only to the extent California privacy law requires these disclosures for AltaVidaSites.

Cookies and similar technologies may collect categories such as:

  • identifiers;
  • Internet or network activity;
  • approximate location;
  • browser and Device information;
  • interactions with Site content;
  • commercial information; and
  • inferences concerning interests or preferences.

If a Site uses a third-party advertising technology in a manner that constitutes a sale or sharing under California law, we may be required to provide:

  • a Do Not Sell or Share My Personal Information link;
  • a functioning opt-out mechanism;
  • recognition of qualifying preference signals;
  • vendor contract controls;
  • disclosures in the Privacy Policy; and
  • records of opt-out requests.
  1. Email tracking

Emails may contain technologies that record:

  • delivery;
  • opening;
  • link selection;
  • device or browser information;
  • approximate location;
  • campaign attribution; and
  • unsubscribe actions.

We may use this information to:

  • deliver requested communications;
  • diagnose delivery issues;
  • measure campaign performance;
  • maintain suppression lists;
  • improve content; and
  • protect against fraud.

Where required by applicable law, optional email tracking will be disclosed and handled according to applicable consent or objection rights.

Disabling image loading in an email client may limit some tracking.

  1. Assessments, calculators, and applications

Applications and digital tools operated through AltaVidaSites may use cookies or local storage to:

  • preserve progress;
  • maintain a secure session;
  • prevent duplicate submissions;
  • apply rate limits;
  • maintain consent records;
  • authenticate users;
  • remember settings;
  • generate results; and
  • deliver requested reports.

We do not intentionally place advertising pixels or retargeting technologies on pages where visitors enter detailed:

  • financial information;
  • retirement information;
  • military information;
  • insurance information;
  • healthcare information;
  • family information; or
  • assessment answers.
  1. Children’s privacy

AltaVidaSites are not intended to collect personal information directly from children under 13.

A persistent identifier in a cookie or similar technology may qualify as personal information under COPPA when used to recognize a child over time or across websites or services.

  1. Do Not Track

Some browsers transmit a Do Not Track signal.

Because there is no single universally adopted standard for ordinary Do Not Track signals, AltaVidaSites may not respond to every such setting.

Where a signal is recognized and legally required—such as a qualifying opt-out preference signal—it will be handled as described in this Policy and the Privacy Policy.

  1. Third-party privacy practices

Third-party providers may independently collect, use, retain, or disclose information according to their own policies.

We do not control:

  • third-party cookie durations;
  • independent account data;
  • cross-service data combinations;
  • advertising networks;
  • government websites;
  • social-media platforms;
  • browser providers; or
  • other third-party privacy practices.

Users should review the applicable third party’s privacy and cookie information before interacting with embedded content or external services.

  1. Retention of cookie information

Cookie and tracking information may be retained for periods based on:

  • the cookie’s purpose;
  • technical necessity;
  • security needs;
  • consent records;
  • analytics requirements;
  • legal requirements;
  • vendor settings;
  • account duration; and
  • user choices.

Consent and opt-out records may be retained longer when reasonably necessary to document compliance and preserve user choices.

  1. Security

We use reasonable safeguards designed to protect information collected through cookies and similar technologies.

These may include:

  • secure transmission;
  • access controls;
  • vendor restrictions;
  • tag-management controls;
  • script review;
  • data minimization;
  •  limited retention;
  •  security logging.

No internet-based system is completely secure.

  1. Changes to this Cookie Policy

We may update this Cookie Policy when:

  • technologies change;
  • providers change;
  • new AltaVidaSites, applications or digital services are introduced;
  • legal requirements change;
  • tracking methods are added or removed; or
  • consent procedures are revised.

The updated version will display a revised “Last updated” date.

Where legally required, we may provide additional notice or request new consent.

  1. Contact information

Questions or requests concerning cookies and similar technologies may be directed to:

AVBrands
Operator: Debora T DiBiasie, doing business through the applicable AVBrand
Email: wealth@altavidacapital.com

Subject line: Cookie or Privacy Request