In short
- We use only essential cookies, to keep you signed in and secure, and storage for your display preferences.
- No advertising, tracking or social-media cookies.
- You can clear them in your browser at any time. Research and calculators work without signing in.
What cookies and local storage are
Cookies are small text files a website stores in your browser. Local storage and session storage are similar browser features that keep small pieces of data on your device. This policy explains which ones SIP to Retire uses and why. It is part of our Privacy Policy.
What we use on SIP to Retire
Everything below is needed to run the Service or to remember a choice you made. None of it tracks you across other sites.
| Name | Type | Purpose | Duration |
|---|---|---|---|
sd_session | Cookie, essential | Keeps you signed in. HTTP-only, secure and signed; holds a random identifier, not your details. | 30 days, or until you sign out |
sd_oidc | Cookie, essential | Protects the sign-in round trip with Microsoft (state and PKCE values). | 10 minutes |
sd_user | Cookie, functional | Your display name, so the header shows that you are signed in without waiting. | Same as your session |
sd_theme | Local storage, preference | Light, dark or system theme. | Until you clear it |
sd_prefs | Local storage, preference | Number format (lakh/crore or million) and display currency. | Until you clear it |
sd_fx | Local storage, functional | Cached public exchange rates for currency display. | Refreshed every 12 hours |
sd_recent_funds | Local storage, preference | Your last few fund searches, on your device only. | Until you clear it |
sd_auth_enabled, sd_auth_user | Session storage, functional | Remembers sign-in status for the open tab, to avoid repeated checks. | Until you close the tab |
Cookies set by other services
- Cloudflare hosts the site and may set strictly necessary security cookies (such as
__cf_bmorcf_clearance) to tell people from bots and to stop attacks. - Cloudflare Turnstile, the human check on our forms, runs from
challenges.cloudflare.comand reads browser and device signals to decide whether a request comes from a person. It is not used for advertising. - Microsoft (on
ciamlogin.com) and, if you choose it, Google set cookies on their own sites while you sign in, under their own policies. - WhatsApp and other sites we link to set their own cookies when you go to them. If we ever embed videos, we will use privacy-enhanced modes (such as
youtube-nocookie.com) that set no cookies until you play the video.
What we do not use
No advertising cookies, no cross-site tracking, no social-media pixels, no fingerprinting for marketing, and no sale of browsing data.
Analytics
We do not use analytics or tracking tools that follow you. To understand which pages are useful, we may use privacy-friendly measurement only: aggregate visit counts without cookies, fingerprinting or cross-site tracking, such as Cloudflare Web Analytics. If a tool ever needs cookies that are not strictly necessary, we will update this page first and give you a simple way to refuse them.
Your choices
You can delete or block cookies and clear site data in your browser settings. Essential cookies are needed to sign in; without them you can still use the research tools and calculators. Clearing local storage resets your theme, number format, currency and recent searches.
Changes and contact
We update this page whenever we add, change or remove a cookie or storage item; the version and date are at the top. Questions: contact@siptoretire.com.
Version 1.1 · Last updated 12 October 2026 ·Back to top