This Cookie Policy explains what cookies are, exactly which cookies TurnetFinance uses and why, who sets them, how long they last, and — most importantly — how you can control or opt out of them at any time. We believe in full transparency about every technology that touches your browsing experience.
TurnetFinance uses cookies for four main purposes: keeping the site working (essential), understanding how visitors use our content (analytics), serving relevant advertisements (advertising), and tracking affiliate commissions (affiliate). You can accept or reject non-essential cookies at any time. Rejecting them will not stop you from accessing any TurnetFinance article or free finance tool — everything remains fully accessible.
Cookies are small text files that a website places on your device (computer, tablet, or smartphone) when you visit it. They are stored in your browser and sent back to the originating website each time you return, allowing the site to recognise your device and remember certain information about your visit.
Cookies serve many purposes — from keeping you logged into a website to helping advertisers show you relevant products. Not all cookies collect personal information. Many simply help a website work properly or remember your preferences.
In addition to cookies, TurnetFinance and its third-party partners may use similar tracking technologies including:
All references to “cookies” in this policy also apply to these similar technologies unless stated otherwise.
TurnetFinance uses five categories of cookies. Here is a quick overview before we go into full detail on each:
Essential cookies are strictly necessary for turnetfinance.ng to function. They cannot be switched off and do not require your consent because they do not collect personal information and exist solely to enable basic website functionality.
| Cookie Name | Type | Purpose | Duration |
|---|---|---|---|
tf_session | First-party | Maintains your session state during a visit — keeps the site working as you navigate between pages | Session |
tf_cookie_consent | First-party | Stores your cookie consent preferences so we do not show you the consent banner on every page | 1 Year |
tf_csrf_token | First-party | Security cookie that prevents cross-site request forgery attacks on forms | Session |
tf-theme-v2 | First-party | Remembers your light or dark theme preference so TurnetFinance loads in your preferred mode on return visits | 1 Year |
| WordPress cookies | First-party | Standard WordPress CMS operational cookies for caching and page load performance. No personal data. | Session |
Essential cookies on TurnetFinance contain no personally identifiable information. They are technical identifiers only — they cannot be used to identify you as an individual or track you across other websites.
We use analytics cookies to understand how visitors engage with TurnetFinance so we can improve our content and tools. All analytics data is aggregated and anonymised — we see patterns and trends, not individual identities.
Our primary analytics tool is Google Analytics 4. It sets cookies on your browser to collect data including pages visited, session duration, device type, general geographic location (city-level), traffic source, and events like tool usage. This data is processed by Google and is subject to Google’s privacy policy.
| Cookie Name | Set By | Purpose | Duration |
|---|---|---|---|
_ga | Google Analytics | Main GA4 identifier. Distinguishes unique visitors and sessions. Used to generate aggregate visitor statistics. | 2 Years |
_ga_[ID] | Google Analytics | Property-specific GA4 cookie. Maintains session state and tracks events for the specific TurnetFinance property. | 2 Years |
_gid | Google Analytics | Distinguishes individual users for same-day session analysis. | 24 Hours |
_gat | Google Analytics | Throttles request rate. Limits data collection to prevent server overload. | 1 Minute |
We have configured Google Analytics with IP anonymisation enabled, meaning your full IP address is never stored by Google on our behalf. We do not use Google Analytics data for advertising purposes. Analytics data is retained for 26 months, after which it is automatically deleted.
To opt out of Google Analytics tracking across all websites, install the free Google Analytics Opt-out Browser Add-on.
TurnetFinance carries advertising from third-party networks. These networks place their own cookies on your browser to deliver relevant ads, measure ad performance, and build user interest profiles.
Google serves personalised advertisements on TurnetFinance using cookies that track your browsing history across Google’s network of partner websites.
| Cookie / Technology | Set By | Purpose | Duration |
|---|---|---|---|
IDE | Google (DoubleClick) | Registers and reports your actions after viewing or clicking a Google ad. Used to measure ad effectiveness. | 1–2 Years |
test_cookie | Checks whether your browser supports cookies. Does not collect personal data. | 15 Minutes | |
DSID | Identifies signed-in Google users for ad personalisation across Google’s ad network. | 2 Weeks | |
| Propeller Ads cookies | Propeller Ads | Tracks visits and serves targeted pop-up, push, and display ads. | 30 Days–1 Year |
| Adsterra cookies | Adsterra | Serves display and pop-under advertisements. Tracks ad impressions and clicks. | 30–90 Days |
| Monetag / ExoClick cookies | Ad Networks | Deliver and measure performance of push notification and display advertising campaigns. | 30 Days |
Advertising cookies are the most privacy-sensitive category. They can build profiles of your interests across many websites. You have the right to reject these cookies through our consent banner. Doing so will not block ads entirely — you will simply see less personalised, context-based ads instead. See Section 10 for full opt-out options.
When you click an affiliate link on TurnetFinance, our affiliate partners set a tracking cookie on your browser. This cookie is used exclusively to attribute any qualifying conversion — such as opening a savings account, taking a loan, or registering on a platform — to TurnetFinance for commission purposes.
These cookies are set by the partner — not by TurnetFinance directly. They are triggered only when you actively click an affiliate link. Simply visiting TurnetFinance does not set affiliate cookies.
Affiliate tracking cookies do not cost you anything. They do not change the price you pay or the terms you receive from the partner platform.
| Partner Platform | Cookie Window | What Triggers It | Commission Event |
|---|---|---|---|
| PiggyVest | 30 Days | Click on PiggyVest affiliate link | First savings deposit |
| Cowrywise | 30 Days | Click on Cowrywise affiliate link | Savings plan activation |
| FairMoney | 14–30 Days | Click on FairMoney affiliate link | First funded loan |
| Carbon | 30 Days | Click on Carbon affiliate link | Account creation + first loan |
| Kuda | 30 Days | Click on Kuda affiliate link | Account activation |
| Payoneer | 30–90 Days | Click on Payoneer affiliate link | Account creation + earning |
| Wise | 30 Days | Click on Wise affiliate link | First international transfer |
| Upwork | 30 Days | Click on Upwork affiliate link | Signup + first job |
| Fiverr | 30 Days | Click on Fiverr affiliate link | First purchase |
For a complete list of all current and planned affiliate partners, the commission models we use, and the nature of each relationship, please read our full Affiliate Disclosure & Monetization Policy.
TurnetFinance uses tracking pixels from social media platforms to measure the effectiveness of our social media advertising campaigns and to build custom audiences for future campaigns.
| Platform | Technology | What It Collects | Duration | Opt-Out |
|---|---|---|---|---|
| Meta (Facebook) | Facebook Pixel | Pages visited, events triggered, device info. Links your visit to your Facebook profile if logged in. | Up to 180 Days | facebook.com/settings/ads |
| Twitter / X | X Pixel | Page visits and conversion events from X ad campaigns. | 30 Days | twitter.com/settings |
| TikTok | TikTok Pixel | Page visits, tool usage events, and conversions from TikTok ad campaigns. | 30 Days | tiktok.com/settings/privacy |
| Google (YouTube) | Google Tag | Conversion tracking for YouTube video campaigns. Connected to Google Ads account. | 90 Days | adssettings.google.com |
Social media pixels can collect data about your visit even if you are not logged into the relevant social platform at the time. They use browser characteristics and device identifiers to link your visit to your account when you next log in. To prevent this, use a browser extension like uBlock Origin or browse in private/incognito mode.
The following table provides a consolidated reference of all cookies known to be active on TurnetFinance. Third-party advertising cookies may vary as ad networks rotate and update their technology.
| Cookie | Category | Set By | Purpose | Duration |
|---|---|---|---|---|
tf_session | Essential | First-party | Session management | Session |
tf_cookie_consent | Essential | First-party | Cookie consent state | 1 Year |
tf-theme-v2 | Essential | First-party | Dark/light theme preference | 1 Year |
tf_csrf_token | Essential | First-party | Form security token | Session |
_ga | Analytics | Unique visitor ID | 2 Years | |
_ga_[ID] | Analytics | GA4 session state | 2 Years | |
_gid | Analytics | Same-day session | 24 Hours | |
IDE | Advertising | Google (DoubleClick) | Ad personalisation | 1–2 Years |
| Propeller Ads | Advertising | Propeller Ads | Push/pop/display ads | 30–365 Days |
| Adsterra | Advertising | Adsterra | Display advertising | 30–90 Days |
| Facebook Pixel | Social Media | Meta | Conversion tracking | 180 Days |
| TikTok Pixel | Social Media | TikTok | Campaign measurement | 30 Days |
| Affiliate cookies | Affiliate | Partners | Commission tracking | 7–90 Days |
You can control cookies directly through your web browser settings. Here are instructions for the most commonly used browsers.
Managing cookies in your browser affects all websites you visit — not just TurnetFinance. Blocking all cookies may cause some websites to not function properly. We recommend managing cookies at the site level or using our consent banner to control only TurnetFinance’s non-essential cookies.
For advertising and targeting cookies specifically, you have access to industry opt-out tools that allow you to opt out of interest-based advertising from many networks at once:
Opting out of interest-based advertising means you will still see advertisements on TurnetFinance — but they will be based on the general context of the page you are reading rather than your personal interest profile. It does not block advertising revenue that supports our free tools and content.
When you first visit TurnetFinance, a cookie consent banner is displayed giving you the option to accept or reject non-essential cookies. Here is how our consent system works:
tf_cookie_consent) so we do not show you the banner on every page. This preference is stored for one year.Under the Nigeria Data Protection Act 2023 and international ePrivacy standards, we rely on: legitimate interests for essential cookies (no consent required), and consent for all analytics, advertising, and social media pixel cookies. Affiliate tracking cookies are triggered by your affirmative action (clicking a link), which constitutes implied consent for tracking purposes.
TurnetFinance reserves the right to update this Cookie Policy at any time to reflect changes in the cookies and tracking technologies we use, new advertising network partnerships, updates to Nigerian data protection law, or changes to third-party services embedded on TurnetFinance.
When we make changes, we will update the “Last Updated” date at the top of the page. For significant changes, we will notify newsletter subscribers and display a notice on our homepage.
The most current version will always be available at turnetfinance.ng/cookie-policy.
If you have questions about our use of cookies, want to understand more about a specific cookie or tracking technology on TurnetFinance, or believe we are using cookies in a way that violates your rights, please contact us. We respond within 48 hours on weekdays.