Cookie Policy

1. Introduction

This Cookie Policy explains how Stellar Advisers ("we", "us", or "our") uses cookies and similar tracking technologies when you visit our website at stellaradvisers.com. This policy should be read alongside our Privacy Policy.

2. What Are Cookies?

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

Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your device when you go offline, while session cookies are deleted as soon as you close your web browser.

3. Types of Cookies We Use

3.1 Essential Cookies (Required)

These cookies are necessary for the website to function properly. They enable core functionality such as:

• • Security and authentication
• • Session management
• • Remembering your cookie consent preferences
• • Load balancing and network security
• • Accessibility features

These cookies cannot be disabled.

3.2 Preference Cookies (Optional)

These cookies allow us to remember choices you make on our website, such as:

• • Your preferred language
• • Light or dark theme preference
• • Dashboard layout preferences
• • Previously viewed content

3.3 Analytics Cookies (Optional)

Google Analytics and PostHog load only after you opt in to analytics. Together they help us understand how visitors interact with our website so we can improve the service. Information collected includes:

• • Pages visited and time spent on each page
• • How you arrived at our website
• • What you click on while on our site
• • Error messages you may encounter
• • Campaign parameters from your web address, such as utm_source (any other query values are stripped before they are recorded)

PostHog sets a first-party cookie (ph_<project-id>_posthog) on stellaradvisers.com only. It is not shared across subdomains or with any other Stellar property, and it is cleared if you withdraw analytics consent.

3.4 Marketing Cookies (Optional)

We do not currently load advertising or cross-site marketing cookies. If that changes, those cookies will remain off unless you make an applicable opt-in choice. Marketing technologies may be used to:

• • Build a profile of your interests
• • Show you relevant advertisements on other websites
• • Limit the number of times you see an advertisement
• • Measure the effectiveness of advertising campaigns

4. Third-Party Cookies

Some cookies on our website are placed by third-party services that appear on our pages. We do not control the setting of these cookies. Third parties that may set cookies include:

• • Clerk: Our authentication provider uses cookies for secure login and session management
• • Google Analytics: Measurement cookies and page-view events only after analytics consent
• • PostHog: Product analytics cookie, set only after analytics consent. First-party only — not shared across subdomains or other Stellar properties

5. Your Choices and How to Manage Cookies

You have several options for managing cookies:

5.1 Our Cookie Consent Tool

When you first visit our website, you will see a cookie consent banner. You can choose to accept all cookies, reject all non-essential cookies, or customize your preferences. You can change your preferences at any time by clicking the "Cookie Settings" link in our website footer.

5.2 Browser Settings

Most web browsers allow you to control cookies through their settings. You can typically:

• • View what cookies are stored on your device
• • Delete some or all cookies
• • Block all cookies or only third-party cookies
• • Set your browser to notify you when a cookie is being set

Note: Blocking all cookies may affect the functionality of our website and other sites you visit.

5.3 Industry Opt-Out Tools

You can also opt out of interest-based advertising through:

• • Digital Advertising Alliance: optout.aboutads.info
• • Network Advertising Initiative: optout.networkadvertising.org
• • European Interactive Digital Advertising Alliance: youronlinechoices.eu

6. Do Not Track Signals

Browser "Do Not Track" signals do not have one universally accepted technical standard. We treat Global Privacy Control (GPC) as an opt-out of sale or sharing and keep marketing technologies disabled when it is detected. Analytics still requires your separate opt-in choice in our consent tool.

7. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. The "Last Updated" date at the top of this page indicates when this policy was last revised. We encourage you to review this policy periodically.

8. Contact Us

If you have any questions about our use of cookies or this Cookie Policy, please contact us at: