Last Updated: January 2026
At Quorvex Ral, we believe in being transparent about how we collect and use information when you visit fpatreico.com. This policy explains the tracking technologies we use and gives you real control over your preferences.
We've written this in plain language because financial literacy starts with understanding what you're agreeing to. No legal jargon gymnastics here.
When you browse our website, small text files get stored on your device. Think of them as digital breadcrumbs that help us remember your preferences and understand how people interact with our content.
These files don't contain personal information like your name or address. They're more like anonymous notes that say "this visitor prefers dark mode" or "someone spent three minutes reading our budgeting guide."
These keep the site running properly. They remember if you're logged into your account, maintain your session security, and ensure forms submit correctly. Without these, basic features simply won't work. We don't ask permission for these because they're necessary for the website to function.
These remember choices you make so you don't have to set them every visit. Your preferred language, layout customizations, or which educational modules you've completed. They make your experience more personalized and save you time.
We track which resources get used most and where visitors tend to get stuck. This helps us improve our educational content. For example, if everyone exits halfway through a particular guide, we know it needs work. All data is aggregated and anonymous.
These help us show relevant financial education content across the web. If you read our retirement planning guide, you might see related educational content later. We partner with trusted platforms to extend our financial awareness mission beyond our website.
Here's what this actually means for you when you visit fpatreico.com:
A real example: In late 2025, we noticed through analytics that many visitors were abandoning our debt payoff calculator halfway through. After investigating, we realized the form was too long and intimidating. We simplified it to three core questions, and completion rates improved significantly. That's tracking data doing good work.
Different types of tracking data stick around for different lengths of time. Here's our retention schedule:
Until you close your browser
12 months
26 months
6 months
After these periods, the data either gets deleted automatically or becomes fully anonymized so it can't be connected back to any individual visitor.
Every modern browser lets you control tracking technologies. You can block them entirely, delete existing ones, or set them to clear automatically when you close your browser.
The specific steps vary by browser, but you'll typically find these options under Settings > Privacy or Security. Here are direct paths for common browsers:
Keep in mind that blocking essential tracking will prevent you from logging in or using interactive features. But you have every right to browse our educational content with all tracking disabled if that's your preference.
What happens if you disable everything: You'll still be able to read our articles, use our calculators, and access most educational resources. You just won't stay logged in, and the site won't remember your customizations. It's like visiting a library where they don't have a card for you – you can still read the books, but they won't track what you've borrowed.
We work with a handful of trusted partners who help us deliver and improve our educational mission. These services may also use tracking technologies:
Each of these partners has their own privacy policies. We've vetted them carefully, but you should review their policies independently if you want complete transparency about data handling.
We update this policy occasionally when we add new features or change how we handle data. Significant changes get announced through a notice on our homepage and via email to registered users.
The date at the top shows when we last revised this document. We archive previous versions, so if you're curious about what changed, reach out and we'll walk you through the updates.
We're genuinely happy to explain anything in this policy. Financial transparency matters to us, and that includes being transparent about our own operations.