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Cookie Policy

Effective date: April 16, 2026 · Last updated: April 16, 2026

This Cookie Policy explains how Policy Stack uses cookies and similar storage technologies (local storage, session tokens) when you visit policystack.co or use the Service. This policy is a companion to our Privacy Policy.

1. What Are Cookies

Cookies are small text files that a website places on your device to remember information between visits. We also use browser local storage and session storage to persist settings on your device — these are functionally similar to cookies but are not transmitted on every request.

2. Categories We Use

Policy Stack does not use advertising cookies, third-party tracking pixels, or cross-site behavioral profilers. The categories below are the only ones in scope.

Strictly Necessary

Required for the Service to function. Cannot be disabled.

CookiePurposeDuration
sb-<project>-auth-tokenSupabase authentication session (HTTP-only, Secure)1 hour (refreshed)

Functional (browser storage, not cookies)

Preferences saved in your browser’s local storage. These never leave your device unless you explicitly sync them.

KeyPurposeDuration
theme-modeLight/dark/auto preferenceUntil cleared
tool-scenario-*Draft tool calculator inputsUntil cleared

Attribution

Records the advisor whose referral link brought you to Policy Stack, so the correct advisor receives referral credit if you subscribe. First-touch model — if multiple referrals occur, the first one is honored.

CookiePurposeDuration
ps-refFirst-touch advisor referral attribution90 days

Analytics

Set by PostHog, our product analytics provider, to help us understand how the Service is used. No individual fingerprinting, no advertising identifiers, no cross-site tracking. We do not send financial values, policy details, or AI chat content to PostHog.

CookiePurposeDuration
ph_<project>_posthogPostHog distinct ID, session ID, feature flags1 year

Diagnostic

Used by Sentry to correlate errors across our stack. These are not stored in a persistent cookie — they are request-scoped headers.

IdentifierPurposeDuration
sentry-tracePer-request error correlation (no PII)Request

3. What We Don't Do

  • No advertising cookies
  • No third-party tracking pixels
  • No data shared with ad networks or data brokers
  • No cross-site behavioral profiling
  • No sale or sharing of data for advertising purposes

4. Managing Cookies

You can control cookies in several ways:

  • In Policy Stack: Opt out of analytics cookies in Settings > Privacy.
  • In your browser: Most browsers allow you to block or delete cookies through their privacy settings.
  • Via Do Not Track: We honor the Do Not Track (DNT) and Global Privacy Control (GPC) signals — when either is present, analytics cookies are not set.

Disabling strictly necessary cookies will prevent the Service from functioning.

5. Changes to This Policy

We will update this policy when we add, change, or remove cookies. Material changes will be reflected by a new “last updated” date above and, where appropriate, in-app notification.

6. Contact

Questions about cookies? Email support@policystack.co.

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The Infinite Banking Concept® and Becoming Your Own Banker® are registered trademarks of Infinite Banking Concepts, LLC. Policy Stack is independent of and is not affiliated with, sponsored by, or endorsed by Infinite Banking Concepts, LLC or the Nelson Nash Institute. Policy Stack helps whole life banking practitioners track, model, and manage their banking system with full clarity, integrity, and control.

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