Cookie Policy

Last updated: February 25, 2026

Introduction to Cookies and Similar Technologies

This Cookie Policy explains how BreakEven SMB ("we," "us," or "our") uses cookies and similar tracking technologies on our website breakevensmb.com (the "Site"). This policy provides detailed information about what cookies are, how we use them, the types of cookies we use, and how you can manage your cookie preferences.

By using our Site, you consent to the use of cookies as described in this policy. If you do not agree with our use of cookies, you should adjust your browser settings to refuse cookies or discontinue using our Site. Please read this policy carefully to understand our practices regarding cookies and how they affect your browsing experience.

What Are Cookies?

Cookies are small text files that are placed on your computer, smartphone, tablet, or other device when you visit a website. They are widely used by website owners to make their websites work more efficiently, provide enhanced functionality, and deliver a better user experience. Cookies serve various purposes, from remembering your preferences to helping website owners understand how visitors interact with their sites.

Cookies can be categorized based on their duration and the party that places them:

Session Cookies vs. Persistent Cookies

  • Session Cookies: These are temporary cookies that are stored in your device's memory only during your browsing session. They are automatically deleted when you close your browser. Session cookies are essential for certain website functions, such as maintaining your session state as you navigate between pages.
  • Persistent Cookies: These cookies remain on your device for a specified period or until you manually delete them. They are used to remember your preferences and settings for future visits, making your experience more convenient and personalized.

First-Party vs. Third-Party Cookies

  • First-Party Cookies: These are set by the website you are visiting (in this case, BreakEven SMB). They are generally used to improve your experience and remember your preferences.
  • Third-Party Cookies: These are set by domains other than the one you are visiting. They are typically used for advertising, analytics, and social media integration.

How We Use Cookies

We use cookies and similar technologies for several important purposes that help us deliver, maintain, and improve our services. The specific ways we use cookies include:

1. Essential Cookies (Strictly Necessary)

These cookies are absolutely necessary for the website to function properly. They enable core functionality such as security, network management, and accessibility. Without these cookies, certain features of our website would not work correctly. Essential cookies do not store any personally identifiable information.

Examples of essential cookies include:

  • Session management cookies that maintain your session as you navigate between pages
  • Security cookies that help protect the website and users from malicious activity
  • Load balancing cookies that distribute traffic across our servers

Because these cookies are essential for the operation of our Site, you cannot refuse them without impacting how our website functions. You can block or delete them by changing your browser settings, but this may affect your ability to use certain features.

2. Analytics and Performance Cookies

We use analytics cookies to understand how visitors interact with our website, which helps us improve our services and user experience. These cookies collect information about how you use our Site, including which pages you visit most often, how long you spend on each page, and any error messages you may encounter.

Specifically, we use Google Analytics, one of the most widely used web analytics services, to help us analyze website traffic and improve our services. The information collected by Google Analytics cookies includes:

  • Pages visited and the sequence of page views
  • Time spent on each page and on the Site overall
  • How users arrived at our site (referring websites, search engines, direct traffic)
  • Links clicked within our site
  • General geographic location (city or region level, not precise location)
  • Device and browser information (type, operating system, screen resolution)
  • User interactions with Site elements and features

Google Analytics cookies do not collect personally identifiable information such as your name, email address, or phone number. All data collected by Google Analytics is anonymized and aggregated, meaning it cannot be used to identify individual users. This information helps us understand which calculators are most popular, identify areas where users may be experiencing difficulties, and make data-driven decisions about improvements.

3. Advertising and Marketing Cookies

We use Google AdSense to display advertisements on our Site. Advertising cookies are used to make ads more relevant to you and your interests. They also help limit the number of times you see an advertisement and measure the effectiveness of advertising campaigns.

These cookies enable us and our advertising partners to:

  • Personalize ads based on your interests and browsing history
  • Limit the frequency with which you see the same advertisement
  • Measure the effectiveness of advertising campaigns
  • Help determine which ads are most relevant to you
  • Prevent fraudulent ad activity

Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to our Site and other sites on the internet. You can learn more about how Google uses data when you use our partners' sites or apps by visiting Google's Partner Policies.

4. Functionality Cookies

These cookies enable enhanced functionality and personalization on our Site. They may be set by us or by third-party providers whose services we have added to our pages. These cookies allow us to remember choices you make (such as your preferred language or region) and provide enhanced, more personal features.

Detailed List of Cookies We Use

The following table provides detailed information about the specific cookies we use on our Site:

Cookie Name Provider Purpose Duration Type
_ga Google Analytics Distinguishes unique users by assigning a randomly generated number as a client identifier 2 years Analytics
_gid Google Analytics Distinguishes unique users for 24 hours 24 hours Analytics
_gat Google Analytics Throttles request rate to limit data collection on high-traffic sites 1 minute Analytics
__gads Google AdSense Associated with the Google AdSense service for serving advertisements Up to 13 months Advertising
IDE Google DoubleClick Used by Google DoubleClick to register and report website user's actions after viewing or clicking on an advertiser's ads Up to 13 months Advertising
test_cookie Google DoubleClick Used to check if the user's browser supports cookies 15 minutes Advertising
NID Google Contains a unique ID used by Google to remember your preferences and other information 6 months Functionality

Third-Party Cookies and Services

In addition to our own cookies, we use services from third parties that may set cookies on your device. These third-party services help us provide, maintain, and improve our Site. The third-party services we use include:

Google Services

  • Google Analytics: For website analytics, traffic analysis, and performance measurement. Google Analytics helps us understand how visitors use our Site so we can improve user experience.
  • Google AdSense: For displaying personalized advertisements on our Site. Google AdSense uses cookies to serve ads based on your visit to our Site and other sites on the internet.
  • Google DoubleClick: For ad serving and campaign measurement. DoubleClick cookies help measure the effectiveness of advertising campaigns.
  • Google Fonts: For loading and displaying fonts from Google's servers. This service may set cookies to optimize font delivery.

We do not control these third-party cookies, and we recommend reviewing the respective privacy and cookie policies of these third parties for more information about their practices:

How to Manage Your Cookie Preferences

You have the right to accept or reject cookies. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies or alert you when a website is trying to place a cookie on your device. Please note that disabling cookies may prevent you from taking advantage of some of our website's features and may affect the functionality of our calculators.

Managing Cookies Through Your Browser

You can manage cookies through your browser settings. The process varies depending on which browser you use. Here are instructions for the most common browsers:

Google Chrome

  1. Click the Chrome menu icon (three dots) in the top-right corner
  2. Select "Settings"
  3. Click "Privacy and security" in the left sidebar
  4. Click "Cookies and other site data"
  5. Choose your preferred cookie settings

Mozilla Firefox

  1. Click the Firefox menu icon (three lines) in the top-right corner
  2. Select "Options" or "Preferences"
  3. Click "Privacy & Security" in the left sidebar
  4. Under "Cookies and Site Data," choose your preferred settings

Apple Safari

  1. Click "Safari" in the menu bar
  2. Select "Preferences"
  3. Click the "Privacy" tab
  4. Under "Cookies and website data," choose your preferred settings

Microsoft Edge

  1. Click the Edge menu icon (three dots) in the top-right corner
  2. Select "Settings"
  3. Click "Cookies and site permissions" in the left sidebar
  4. Click "Manage and delete cookies and site data"
  5. Choose your preferred settings

Opting Out of Google Analytics

If you wish to prevent Google Analytics from collecting and using your information, you have several options:

  • Install the Google Analytics Opt-out Browser Add-on. This add-on prevents the Google Analytics JavaScript from sharing information with Google Analytics about visits activity.
  • Use your browser's private or incognito browsing mode, which typically does not save cookies after you close the session.
  • Configure your browser to block third-party cookies.

Opting Out of Personalized Advertising

You can opt out of personalized advertising from Google and other advertising networks:

  • Visit Google Ads Settings to customize your Google advertising preferences and opt out of personalized ads from Google.
  • Visit www.aboutads.info (Digital Advertising Alliance) to opt out of personalized advertising from participating companies.
  • Visit www.youronlinechoices.eu (European Interactive Digital Advertising Alliance) if you are located in the European Union.

Please note that opting out of personalized advertising does not mean you will no longer see ads. It means that the ads you see will not be tailored to your interests based on your browsing history.

Do Not Track Signals

Some web browsers incorporate a "Do Not Track" (DNT) feature that signals to websites you visit that you do not want to be tracked. Currently, there is no uniform standard for how to interpret DNT signals, and our Site does not currently respond to DNT signals from browsers.

However, you can use the cookie management options described above to control how cookies are used on our Site. We continue to monitor developments in DNT technology and standards and may update our practices in the future.

Web Beacons and Similar Technologies

In addition to cookies, we may use other similar technologies such as web beacons (also known as pixel tags or clear GIFs), which are tiny graphic images that may be included on our Site, in our emails, or in our advertisements. Web beacons allow us to:

  • Count users who have visited certain pages or opened certain emails
  • Monitor user traffic patterns from one page within our Site to another
  • Deliver or communicate with cookies
  • Understand whether you have come to our Site from an online advertisement
  • Improve Site performance

Children's Privacy and Cookies

Our Site is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. We do not target or direct our Site to children, and we do not knowingly use cookies to collect information from children under 13.

If you are a parent or guardian and believe that your child under 13 has provided personal information to us or that we have collected information through cookies from your child, please contact us immediately at contact@breakevensmb.com. If we become aware that we have collected personal information from a child under 13 without verification of parental consent, we will take steps to remove that information and delete associated cookies.

Security of Cookie Data

While cookies themselves do not contain personal information that can identify you by name, the information collected by cookies may be linked to personal information we store about you. We take appropriate technical and organizational security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of data collected through cookies.

These security measures include:

  • Encryption of data in transit using SSL/TLS technology
  • Regular security assessments of our systems
  • Access controls and authentication procedures
  • Regular review and updates to our security practices

International Data Transfers

Cookies and the information they collect may be transferred to and stored on servers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those in your jurisdiction. For example, information collected by Google Analytics and Google AdSense may be transferred to and processed in the United States or other countries where Google operates servers.

By using our website and consenting to the use of cookies, you consent to these transfers. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Cookie Policy and applicable data protection laws.

Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, the cookies we use, or for operational, legal, or regulatory reasons. We will notify you of any changes by posting the new Cookie Policy on this page and updating the "Last updated" date at the top of this policy.

You are advised to review this Cookie Policy periodically for any changes. Changes to this Cookie Policy are effective when they are posted on this page. Your continued use of the Site after we post any modifications constitutes your acknowledgment of the modifications and your consent to abide by the modified policy.

Your Consent

By continuing to use our website, you consent to the placement and use of cookies and similar technologies on your device as described in this Cookie Policy. If you do not agree with our use of cookies, you should:

  • Adjust your browser settings to refuse cookies before using our Site
  • Leave our Site immediately
  • Delete cookies that have already been placed on your device

Please note that disabling cookies may significantly impact your experience on our Site and may prevent certain features from functioning properly.

Contact Us

If you have any questions about this Cookie Policy, our use of cookies, or how to manage your cookie preferences, please contact us at:

Email: contact@breakevensmb.com

Response Time: We will respond to your inquiry within 30 days.

We are committed to working with you to address any concerns or questions you may have about our cookie practices.