Cookie Policy

Last updated: February 20, 2026

Introduction

This Cookie Policy explains how Money Flow ("we," "us," or "our") uses cookies and similar tracking technologies on our website https://xlt23.com (the "Website").

This policy should be read in conjunction with our Privacy Policy and Affiliate Disclosure.

By using our Website, you consent to the use of cookies in accordance with this Cookie Policy. If you do not agree with our use of cookies, you should change your browser settings accordingly or stop using our Website.

What Are Cookies?

Cookies are small text files that are placed on your computer, smartphone, or other device when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.

Types of Cookies

Session Cookies: These are temporary cookies that expire when you close your browser. They help websites remember what you did on previous pages within the same browsing session.

Persistent Cookies: These cookies remain on your device for a set period or until you delete them. They help websites remember your preferences and settings for future visits.

First-Party Cookies: These are set directly by our Website and can only be read by our Website.

Third-Party Cookies: These are set by external services we use on our Website (such as analytics providers or advertising networks) and can be read by those third parties across different websites you visit.

Why We Use Cookies

We use cookies and similar tracking technologies for several purposes:

Essential Purposes

To enable basic website functionality
To remember your cookie consent preferences
To maintain security and prevent fraud
To ensure the Website operates properly

Analytics and Performance

To understand how visitors use our Website
To analyze traffic patterns and user behavior
To improve our content and user experience
To identify technical issues and optimize performance

Marketing and Advertising

To track affiliate link clicks and conversions
To deliver relevant content and recommendations
To measure the effectiveness of our marketing campaigns
To enable third-party advertising networks

Personalization

To remember your preferences and settings
To provide customized content based on your interests
To enhance your overall experience on our Website

Cookies We Use

Below is a detailed list of the types of cookies we use on our Website:

Essential Cookies

Cookie Name	Purpose	Duration	Type
cookieConsent	Stores your cookie consent preferences	12 months	First-party
session_id	Maintains your session across page views	Session	First-party
security_token	Prevents cross-site request forgery (CSRF) attacks	Session	First-party

These cookies are necessary for the Website to function and cannot be disabled in our systems.

Analytics Cookies

Google Analytics

We use Google Analytics to understand how visitors interact with our Website. Google Analytics uses cookies to collect information such as:

Pages you visit
Time spent on each page
How you arrived at our Website
What you clicked on
Your approximate location (country/city level)
Device and browser information

Cookie Name	Purpose	Duration	Type
_ga	Distinguishes unique users	2 years	Third-party
_gid	Distinguishes unique users	24 hours	Third-party
_gat	Throttles request rate	1 minute	Third-party

For more information about Google Analytics cookies, visit: Google Analytics Cookie Usage

Other Analytics Tools

We may also use other analytics services to track and analyze Website performance. These may include:

Hotjar (heatmaps and user behavior recording)
Microsoft Clarity (session recording and analytics)
Plausible or similar privacy-focused analytics

Advertising and Affiliate Cookies

As disclosed in our Affiliate Disclosure, we participate in various affiliate marketing programs. When you click on affiliate links, cookies may be placed on your device to:

Track that you clicked from our Website
Attribute purchases to our referral
Calculate commissions we may earn
Provide personalized offers

Affiliate Network Cookies

Network/Platform	Purpose	Duration	Type
Amazon Associates	Tracks referrals from our site to Amazon	24 hours (standard); 90 days (extended)	Third-party
ClickBank	Tracks affiliate conversions	60 days	Third-party
ShareASale	Tracks affiliate clicks and sales	30-90 days (varies by merchant)	Third-party
CJ Affiliate (Commission Junction)	Tracks affiliate referrals	30-120 days (varies by advertiser)	Third-party
Impact.com	Tracks affiliate conversions	Varies by advertiser	Third-party
PartnerStack	Tracks partner referrals	90 days	Third-party

Note: The specific affiliate networks we use may vary. Cookie durations depend on each merchant's affiliate program terms.

Advertising Cookies

We may also use advertising cookies from:

Google Ads (remarketing and conversion tracking)
Facebook Pixel (audience building and ad targeting)
LinkedIn Insight Tag (conversion tracking)
Twitter Pixel (ad performance measurement)
TikTok Pixel (ad targeting and measurement)

These cookies allow us to:

Show you relevant ads on other websites
Measure ad campaign effectiveness
Build audiences for targeted advertising
Track conversions from our ads

Social Media Cookies

If we include social media sharing buttons or embedded content from platforms like:

Facebook
Twitter/X
LinkedIn
YouTube
Instagram
TikTok

These platforms may set their own cookies to track your interactions. We do not control these third-party cookies. Please review the privacy policies of these platforms for more information.

Third-Party Services and Their Cookies

Our Website uses various third-party services that may set cookies on your device. We do not have control over these third-party cookies.

Service Providers We Use

Email Marketing:

ConvertKit, Mailchimp, or similar email service providers
These services may track email opens, clicks, and engagement

Content Delivery:

CDN services to deliver website content faster
May use cookies for performance optimization

Payment Processing:

Stripe, PayPal, or other payment processors (if applicable)
These services use cookies for security and fraud prevention

Hosting and Infrastructure:

Our hosting provider may use cookies for load balancing and security

How to Learn More About Third-Party Cookies

Each third-party service has its own privacy policy and cookie policy:

For a complete list of third-party services we use, please contact us at [email protected].

Cookie Duration

Cookies have different lifespans:

Session Cookies: Deleted when you close your browser

Short-term Persistent Cookies:

Minutes to hours (e.g., rate limiting)
Days to weeks (e.g., some analytics)

Long-term Persistent Cookies:

Months to years (e.g., preference storage, some advertising cookies)
Some affiliate cookies last 30-90 days to track conversions

You can delete cookies at any time through your browser settings (see "How to Manage Cookies" below).

Legal Basis for Using Cookies (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or other jurisdictions with similar privacy laws, we process your personal data through cookies based on:

Consent: For non-essential cookies (analytics, advertising, affiliate tracking), we obtain your explicit consent through our cookie banner.

Legitimate Interests: For essential cookies necessary for website functionality and security, where our legitimate interests are not overridden by your privacy rights.

Legal Obligation: Where we are required by law to use certain cookies for compliance purposes.

You have the right to withdraw your consent at any time by changing your cookie preferences or clearing your cookies.

Your Rights and Choices

Withdrawing Consent

You can withdraw your consent for cookies at any time by:

Clearing your browser cookies (instructions below)
Changing your cookie preferences in our cookie banner
Contacting us at [email protected]

Note: Withdrawing consent or disabling cookies may affect your ability to use certain features of our Website.

Your EU/UK Rights (GDPR/UK GDPR)

If you are located in the EU or UK, you have additional rights regarding your personal data collected through cookies:

Right to Access: Request a copy of your personal data
Right to Rectification: Correct inaccurate personal data
Right to Erasure: Request deletion of your personal data
Right to Restriction: Limit how we use your personal data
Right to Data Portability: Receive your data in a portable format
Right to Object: Object to processing of your personal data
Right to Withdraw Consent: Withdraw consent at any time

To exercise these rights, contact us at [email protected].

California Residents (CCPA/CPRA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA):

Right to know what personal information is collected
Right to know if personal information is sold or shared
Right to opt-out of the sale/sharing of personal information
Right to deletion of personal information
Right to non-discrimination for exercising your rights

We do not "sell" your personal information in the traditional sense, but some cookies (particularly advertising and affiliate cookies) may constitute "sharing" under CCPA.

To opt-out or exercise your rights, contact us at [email protected] or use our cookie consent settings.

How to Manage Cookies

You have several options to manage or disable cookies:

Through Our Cookie Banner

When you first visit our Website, you'll see a cookie consent banner with options to:

Accept all cookies
Reject non-essential cookies
Customize your cookie preferences

You can change these settings at any time by clearing your cookies and revisiting our Website.

Through Your Browser Settings

All modern browsers allow you to control cookies. Here's how to manage cookies in popular browsers:

Google Chrome:

Click the three-dot menu (top right)
Go to Settings > Privacy and security > Cookies and other site data
Choose your preferred cookie settings
To delete existing cookies: Click "See all cookies and site data" and remove specific cookies or all cookies

Mozilla Firefox:

Click the menu button (top right)
Go to Settings > Privacy & Security
Under "Cookies and Site Data," choose your settings
Click "Manage Data" to delete specific cookies

Safari (Mac):

Go to Safari > Preferences
Click the Privacy tab
Adjust cookie settings under "Cookies and website data"
Click "Manage Website Data" to view and delete cookies

Microsoft Edge:

Click the three-dot menu (top right)
Go to Settings > Cookies and site permissions > Cookies and site data
Choose your cookie preferences
Click "See all cookies and site data" to manage individual cookies

Safari (iOS):

Go to Settings > Safari
Scroll to "Privacy & Security"
Toggle "Block All Cookies" or adjust other privacy settings

Chrome (Android):

Open Chrome app
Tap three-dot menu > Settings
Tap Site settings > Cookies
Choose your preferred settings

Blocking Third-Party Cookies

Most browsers allow you to block third-party cookies specifically while still allowing first-party cookies:

This will block most advertising and tracking cookies
May affect some website functionality
Will block most affiliate tracking cookies

Private/Incognito Browsing

Using private or incognito mode:

Prevents cookies from being stored permanently
Cookies are deleted when you close the private browsing window
You'll need to accept our cookie banner each time you visit in private mode

Browser Extensions

You can use browser extensions to manage cookies more granularly:

uBlock Origin - Blocks ads and trackers
Privacy Badger - Blocks invisible trackers
Cookie AutoDelete - Automatically deletes cookies when you close tabs
Ghostery - Blocks trackers and shows which cookies are being used

Opt-Out Tools

Google Analytics Opt-Out:
Install the Google Analytics Opt-out Browser Add-on

Network Advertising Initiative (NAI):
Opt out of interest-based advertising from NAI members: NAI Opt-Out Tool

Digital Advertising Alliance (DAA):
Opt out of interest-based advertising: DAA WebChoices Tool

European Interactive Digital Advertising Alliance (EDAA):
EU residents can opt out here: Your Online Choices

Note: Opting out of advertising cookies does not mean you won't see ads; it means the ads will be less personalized.

Do Not Track (DNT) Signals

Some browsers have a "Do Not Track" (DNT) feature that signals to websites that you don't want to be tracked. Currently, there is no industry standard for how to respond to DNT signals.

At this time, our Website does not respond to DNT signals. However, you can manage cookies through the methods described above.

Cookies and Mobile Apps

If we release a mobile application in the future, it may use similar tracking technologies. We will provide separate information about mobile app tracking in the app itself and in our Privacy Policy.

International Data Transfers

Information collected through cookies may be transferred to and processed in countries outside your country of residence, including the United States. These countries may have data protection laws that differ from your home country.

When we transfer data internationally, we implement appropriate safeguards such as:

Standard Contractual Clauses (SCCs) approved by the European Commission
Adequacy decisions where applicable
Other legally valid transfer mechanisms

For EU/UK residents, you can request information about international transfers by contacting us.

Children's Privacy

Our Website is not directed to children under 16 years of age (or under 13 in the United States). We do not knowingly collect personal information from children through cookies or other means.

If you believe we have inadvertently collected information from a child, please contact us immediately at [email protected], and we will delete such information.

Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

Changes in cookie technologies we use
Updates to legal requirements
New features or services on our Website
Feedback from users
Changes in our business practices

When we make material changes, we will:

Update the "Last updated" date at the top of this policy
Notify you through a prominent notice on our Website
Request your renewed consent where required by law

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies.

Contact Us

If you have questions, concerns, or requests regarding this Cookie Policy or our use of cookies, please contact us:

Email: [email protected]
Website: https://xlt23.com
Subject Line: "Cookie Policy Inquiry"

Response Time

We aim to respond to all inquiries within 5-7 business days. For GDPR/CCPA requests, we will respond within the legally required timeframe (typically 30 days).

Complaints and Supervisory Authorities

If you are located in the EU/UK and are not satisfied with our response, you have the right to lodge a complaint with your local data protection authority:

EU Data Protection Authorities: List of EU Data Protection Authorities

UK Information Commissioner's Office (ICO):

Website: https://ico.org.uk
Helpline: 0303 123 1113

Additional Resources

For more information about our data practices and policies, please visit:

Privacy Policy - How we collect, use, and protect your personal information
Affiliate Disclosure - Information about our affiliate relationships and earnings
Terms and Conditions - Legal terms governing use of our Website

Summary

In Plain English:

We use cookies to make our Website work properly, understand how you use it, and earn commissions when you click on our affiliate links and make purchases.

You can accept or reject cookies through our banner when you first visit. You can also manage cookies through your browser settings at any time.

Essential cookies (needed for the site to work) will always be used, but you can opt out of analytics and advertising cookies.

We're transparent about our cookie use because we respect your privacy and want to comply with laws like GDPR and CCPA.

If you have questions, just email us at [email protected].

By continuing to use our Website, you acknowledge that you have read and understood this Cookie Policy.

Quick Reference Links

Manage Cookie Preferences: Clear your browser cookies and revisit our site to see the consent banner again
Google Analytics Opt-Out: Download Browser Add-on
Advertising Opt-Out (US): NAI Opt-Out
Advertising Opt-Out (EU): Your Online Choices
Contact Us: [email protected]