Cookie Policy

Types of Cookies by Duration:

Session Cookies: Temporary cookies that expire when you close your browser or app. Used for essential functions like maintaining login sessions.

Persistent Cookies: Remain on your device for a specified period or until manually deleted. Used for remembering preferences and enhancing user experience.

Types of Cookies by Purpose:

First-Party Cookies: Set directly by Rupeeflow on our website or app.

Third-Party Cookies: Set by external service providers (analytics, advertising, payment processors) integrated with our Services.

3.1 Essential/Strictly Necessary Cookies

These cookies are required for core functionality and cannot be disabled:

• Authentication: Maintaining secure login sessions and verifying user identity

• Security: Preventing fraud, detecting unauthorized access, and protecting against cyberattacks

• Transaction Processing: Enabling payment transactions and fund transfers

• Load Balancing: Distributing traffic across servers for optimal performance

• Compliance: Meeting regulatory requirements and legal obligations

3.2 Performance and Analytics Cookies

These cookies help us understand how users interact with our Services:

• Usage Analytics: Tracking page views, feature usage, and navigation patterns

• Error Tracking: Identifying technical issues and system failures

• Performance Monitoring: Measuring page load times and app responsiveness

• A/B Testing: Comparing different versions of features to optimize user experience

Tools Used: Google Analytics, Firebase Analytics, Mixpanel, Sentry

3.3 Functional Cookies

These cookies enhance functionality and personalization:

• Language Preferences: Remembering your language and regional settings

• Display Preferences: Storing your theme choices (light/dark mode) and layout preferences

• Recent Transactions: Displaying your recent payment history for quick access

• Form Data: Saving partially filled forms to resume later

• Accessibility Settings: Remembering font size, contrast, and assistive technology preferences

3.4 Advertising and Marketing Cookies

These cookies deliver personalized marketing content (with your consent):

• Interest-Based Advertising: Showing relevant ads based on browsing behavior

• Conversion Tracking: Measuring effectiveness of marketing campaigns

• Retargeting: Displaying ads for Rupeeflow services on third-party websites

• Social Media Integration: Enabling sharing and social login features

Tools Used: Google Ads, Facebook Pixel, LinkedIn Insight Tag

4.1 Rupeeflow First-Party Cookies

Cookie Name | Purpose | Type | Duration

─────────────────────────────────────────────────────────────

rupeeflow_session | Maintains login session | Essential | Session

rupeeflow_auth | Stores authentication token | Essential | 30 days

rupeeflow_csrf | Prevents cross-site request forgery | Essential | Session

rupeeflow_lang | Remembers language preference | Functional | 1 year

rupeeflow_theme | Stores UI theme (light/dark) | Functional | 1 year

rupeeflow_analytics | Tracks user behavior | Analytics | 2 years

rupeeflow_consent | Stores cookie consent choices | Essential | 1 year

4.2 Third-Party Cookies

Service Provider | Purpose | Privacy Policy

────────────────────────────────────────────────────────────────────

Google Analytics | Website analytics | https://policies.google.com/privacy

Firebase | App analytics & performance | https://firebase.google.com/support/privacy

Google Ads | Advertising & remarketing | https://policies.google.com/technologies/ads

Facebook Pixel | Social media advertising | https://www.facebook.com/privacy/explanation

Razorpay | Payment processing | https://razorpay.com/privacy/

NPCI | UPI transaction processing | https://www.npci.org.in/privacy-policy

Amazon Web Services | Cloud infrastructure | https://aws.amazon.com/privacy/

Cloudflare | Content delivery & security | https://www.cloudflare.com/privacypolicy/

5.1 Web Beacons (Pixels)

Invisible images embedded in emails or web pages to track email opens, link clicks, and user engagement.

5.2 Local Storage

HTML5 local storage and session storage used to store data locally on your device for faster access and offline functionality.

5.3 Mobile SDKs

Software development kits integrated into our mobile apps to collect device information, usage data, and crash reports.

5.4 Fingerprinting

Combining device characteristics (screen resolution, browser version, fonts) to identify unique devices for fraud prevention.

7.1 Cookie Consent Manager

When you first visit our website or app, you'll see a cookie consent banner. You can:

• Accept all cookies

• Reject non-essential cookies

• Customize your preferences by category

• Change your preferences anytime through "Cookie Settings" in the footer

7.2 Browser Settings

Most browsers allow you to control cookies through settings:

Google Chrome:

1. Settings → Privacy and Security → Cookies and other site data

2. Choose: Block all cookies, Block third-party cookies, or Allow all cookies

Safari:

1. Preferences → Privacy → Manage Website Data

2. Block or remove specific cookies

Firefox:

1. Settings → Privacy & Security → Cookies and Site Data

2. Configure tracking protection and cookie settings

Microsoft Edge:

1. Settings → Cookies and site permissions

2. Manage and delete cookies

7.3 Mobile App Settings

Android:

• Settings → Apps → Rupeeflow → Permissions → Disable tracking permissions

iOS:

• Settings → Privacy → Tracking → Disable "Allow Apps to Request to Track"

7.4 Opt-Out of Advertising Cookies

Google Ads: https://adssettings.google.com

Facebook Ads: https://www.facebook.com/ads/preferences

Industry Opt-Out Tools: https://optout.networkadvertising.org

7.5 Do Not Track (DNT)

We respect browser Do Not Track signals for advertising cookies but may not honor them for essential functionality cookies required for service delivery.

Essential Cookies Disabled:

• Cannot log in or maintain authenticated sessions

• Payment transactions will fail

• Security features may not function properly

Performance Cookies Disabled:

• We cannot identify and fix technical issues

• Service quality may degrade without usage insights

Functional Cookies Disabled:

• Must re-enter preferences on each visit

• No personalized experience

• Cannot save form progress

Advertising Cookies Disabled:

• Will still see ads but less relevant to your interests

• May see the same ads repeatedly