Cookie Policy

Last Updated: 12 February 2026 Effective Date: 12 February 2026

This Cookie Policy explains how The Synergy Group AG (“we”, “us”, or “our”), located at Dorfstrasse 59, 8126 Zumikon, Zurich, Switzerland (email: andre@thesynergygroup.ch, phone: +41 79 257 8028), uses cookies and similar tracking technologies (such as pixels, local storage, device identifiers, and other online trackers, collectively referred to as “Cookies”) on our website https://mindfulmoneycoaching.online (the “Service”).

Cookies are small files or pieces of data stored on your device (e.g., computer, tablet, or mobile) when you visit websites or interact with online services. They help us provide, improve, and secure our Service, as well as deliver personalized content and advertising. This policy is designed to comply with applicable data protection laws, including the Swiss Federal Act on Data Protection (FADP), the EU General Data Protection Regulation (GDPR) where applicable, and the ePrivacy Directive.

We participate in the IAB Europe Transparency & Consent Framework (TCF) version 2.3 to ensure standardized, transparent consent management for data processing activities, including those involving personal data. Our Consent Management Platform (CMP), powered by CookieYes (a Google-certified CMP), integrates with TCF v2.3 and generates consent signals (including the mandatory Disclosed Vendors segment in the TC string) to communicate your choices to participating vendors. This includes support for Google’s Consent Mode (including Advertiser Consent Mode features) and Google’s Additional Consent Mode for non-TCF vendors on Google’s Ad Tech Providers (ATP) list.

By using the Service, you consent to the use of Cookies as described here, subject to your choices via our cookie banner. If you do not agree, you can adjust your preferences or refrain from using the Service. For more on how we handle your personal information, see our Privacy Policy.

1. Types of Cookies We Use

We categorize Cookies based on their purpose and duration:

  • Essential Cookies: Always active and necessary for the Service to function (e.g., authentication, security, session management). These do not require consent under applicable laws as they are strictly necessary.
  • Functional/Preference Cookies: Remember your settings (e.g., language, region) to enhance usability.
  • Analytics/Performance Cookies: Collect anonymized data on usage (e.g., pages visited, time spent) to improve the Service.
  • Marketing/Advertising Cookies: Used for personalized ads, content, and measurement, including by third parties.
  • Other Tracking Technologies: Pixels, local storage, or device identifiers for similar purposes.

Cookies may be:

  • Session Cookies: Temporary, deleted when you close your browser.
  • Persistent Cookies: Remain on your device until expired or deleted (up to 2 years, depending on purpose).

2. Purposes for Using Cookies

We use Cookies for the following standardized purposes, aligned with IAB TCF v2.3 (where consent or legitimate interest applies as the legal basis). These purposes include storing or accessing information on your device (e.g., cookies, device identifiers like login-based or randomly assigned IDs, network-based identifiers, combined with browser type, language, screen size, etc.) to recognize your device on return visits:

  • Purpose 1: Store and/or access information on a device – To enable basic functionality, such as recognizing your device for security and preferences.
  • Purpose 2: Create a personalized ads profile – To build profiles for targeted advertising based on your interactions.
  • Purpose 3: Select personalized ads – To display ads tailored to your inferred interests.
  • Purpose 4: Create a personalized content profile – To customize content like recommendations or trends.
  • Purpose 5: Select personalized content – To show relevant content based on your behavior.
  • Purpose 6: Measure ad performance – To evaluate ad effectiveness (e.g., views, clicks) without creating new profiles.
  • Purpose 7: Measure content performance – To assess how users interact with non-ad content.
  • Purpose 8: Apply market research to generate audience insights – To create aggregated reports on user groups.
  • Purpose 9: Develop and improve products – To enhance services using statistics from multiple sources.
  • Purpose 10: Ensure security, prevent and detect fraud, and debug – To protect against spam, abuse, and technical issues (Special Purpose; processed under legitimate interest with no opt-out, but with transparency).
  • Purpose 11: Technically deliver ads or content – To serve ads/content efficiently (Special Purpose; legitimate interest).

Special Features (opt-in required where applicable):

  • Special Feature 1: Match and combine data from other data controllers – To link offline/online data for better personalization.
  • Special Feature 2: Link different devices – To connect devices probabilistically or deterministically for unified profiles.
  • Special Feature 3: Identify devices based on information transmitted automatically – To use device characteristics for identification.

We may also use Cookies for Google’s Consent Mode parameters:

  • ad_storage: Enables storage related to advertising.
  • analytics_storage: Enables storage related to analytics.
  • ad_user_data: Allows sending user data for advertising.
  • ad_personalization: Enables personalized ads.

For Google’s Additional Consent Mode, we propagate consent signals (via an Additional Consent string) to Google’s Ad Tech Providers not registered on the IAB Global Vendor List (GVL), ensuring they can process data only with your consent.

Data processed may include personal data (e.g., IP address, device ID) but is often pseudonymized or aggregated. Retention varies by purpose (e.g., up to 13 months for analytics, longer for legal reasons).

3. Third-Party Vendors and Disclosures

We work with third-party vendors (e.g., Google Analytics, Google Ads, WooCommerce, payment processors) that may set Cookies. These vendors are disclosed in our CMP interface and the TCF v2.3 TC string (including the mandatory Disclosed Vendors segment, which verifies if a vendor was shown to you).

  • Vendors registered on the IAB GVL receive consent signals via TCF.
  • Non-GVL vendors on Google’s ATP list receive signals via Additional Consent Mode.
  • All vendors must have their own privacy policies (e.g., Google’s at https://policies.google.com/privacy).

We do not control third-party Cookies; review their policies. Examples:

  • Google: For analytics, ads, and measurement (supports Consent Mode for tag adjustments based on your choices).
  • Others: May include ad networks for personalized content.

4. Your Consent and Choices

We use CookieYes as our CMP to obtain and manage your consent in compliance with TCF v2.3, Google’s Consent Mode, and Additional Consent Mode. On your first visit, a cookie banner appears allowing you to:

  • Accept all Cookies.
  • Customize preferences (grant/deny per purpose, feature, or vendor).
  • Reject non-essential Cookies.

Consent is granular, revocable, and stored (e.g., via cookies for repeat visits). You can withdraw consent anytime via the “Manage Consent” link in the footer or by emailing andre@thesynergygroup.ch.

If you deny consent:

  • Google’s Consent Mode switches to Advanced Mode (cookieless pings for basic modeling without identifiers).
  • No personalized ads or analytics beyond essentials.
  • Additional Consent Mode ensures non-TCF vendors do not process data.

For users in the EEA, UK, or Switzerland, we prioritize explicit consent for non-essential processing.

5. Security and International Transfers

We implement reasonable security (e.g., encryption) to protect Cookie data. However, no transmission is 100% secure. Data may transfer to jurisdictions outside Switzerland/EEA (e.g., US for Google services), subject to adequacy decisions or safeguards like Standard Contractual Clauses.

6. Children’s Privacy

The Service is not for children under 16 (or majority age in your jurisdiction). We do not knowingly collect data from minors without parental consent.

7. Changes to This Policy

We may update this policy; changes are effective immediately upon posting (with notification for material changes). Review periodically.

8. Contact Us

For questions or to exercise rights (e.g., access, deletion), contact our Data Protection Officer: The Synergy Group AG Dorfstrasse 59, 8126 Zumikon, ZH, Switzerland Email: andre@thesynergygroup.ch

This policy was generated with input from CookieYes and aligns with TCF v2.3 specifications. For the latest GVL or ATP lists, visit https://iabeurope.eu/vendor-list/ or https://support.google.com/admanager/answer/9012903.