Privacy policy

First-party analytics

Every page loads a small script, /t.js, served from this domain. It sends visit data to a program on the same server (/api/collect.php), which writes it to a database kept outside the public web folder. No analytics company receives it. The script records:

• each page view: the page address and title, the referring page, your screen and window width, whether the device looks like a phone, tablet or desktop, and your browser's language setting;
• clicks on links and buttons, identified by the element's text and position in the page;
• how far down the page you scrolled and how long the page was in view;
• campaign tags in the address you arrived on (the utm_ parameters) and ad click identifiers, if there were any.

On the server, the record also gets the time, your browser's user agent string, the country Cloudflare reports for the connection, and a one-way hash of your IP address made with a secret salt. The IP address itself is not stored. Visits from known bots are dropped.

What is stored in your browser

To tell a returning visitor from a new one, the script keeps a random visitor id, mtr_vid, for two years. It is written to local storage and also to a first-party cookie of the same name, so it survives if one of them is cleared. Three short-lived items expire after a day: mtr_sid (the current session), mtr_seen (when you were last active) and mtr_attr (the referrer and campaign tags of the session's first page). None of them contain your name, email or anything you typed.

If you switch between the light and dark themes, your choice is saved in local storage as mtr-theme. The calculators and course quizzes store nothing: your inputs and answers stay in the page and are gone when you leave it. Clearing your browser's site data removes all of these.

The publisher's traffic dashboard

A second script, loaded from maxboard.finx.live, sends a similar set of events to Maxboard, the dashboard the publisher uses to follow traffic across its own sites. It records the page address and title, the referring page, campaign tags in the link you arrived by, your window width and device type, the text and address of links and buttons you click, how far down the page you scroll, and how long the page is actively in view. It skips browsers that identify themselves as automated.

It keeps a random visitor id, mb_v, in local storage and in a first-party cookie of the same name that lasts 400 days, a note of your last activity (mb_la) in local storage, and two session items (mb_s, mb_u) that your browser deletes when you close the tab.

On a page with a form that asks for an email address, the script also records when the form is shown and started, and on submission sends a one-way SHA-256 hash of the email, never the address itself. No page on this site currently has such a form. Maxboard is run by the publisher and is not an advertising network.

The ticker tape

The strip of prices under the header is a widget from FinPubMax, the publisher's own quote service. Your browser loads its script and requests quotes directly from finpubmax.com while the page is open, so that server sees an ordinary web request from you, including your IP address and browser details, as any website does. The widget does not set cookies or write to your browser's storage.

Hosting and delivery

Pages are delivered through Cloudflare and hosted on a web server in the United States. Both keep standard server logs of requests for security and troubleshooting. Fonts, images and scripts are served from this domain, except the Maxboard script and the ticker tape described above.

How long data is kept

First-party analytics records are deleted after 400 days. The collection program removes older records itself as new visits arrive, so the limit is enforced by the code, not by a manual clean-up.

What is not done

No advertising networks, social media pixels or outside analytics companies run on these pages; both analytics scripts belong to the publisher. Visit data is not sold or shared with anyone. It is used to see which pages are read, how people arrive at them and where they stop reading.

Your choices and contact

You can block the scripts with any content blocker, or clear the stored items at any time. To ask what is held about your visits or to have it removed, write to [email protected]. Because records are keyed to a random id and a hashed address, you may need to send your mtr_vid value, which you can find in your browser's developer tools under local storage.

See also the terms of use and the risk disclaimer.