Cookie Policy

This Cookie Policy explains how Zinancial uses cookies and similar tracking technologies on our website, platform, and applications. This Policy should be read in conjunction with our Privacy Policy and Terms of Service.

By using our Services, you consent to the use of cookies as described in this Policy, subject to applicable legal requirements and your preferences.

Cookies are small text files placed on your device (computer, smartphone, tablet) by websites you visit. They are widely used to make websites work more efficiently and provide information to website owners.

Types of Cookies by Duration

• Session Cookies: Temporary cookies deleted when you close your browser
• Persistent Cookies: Remain on your device for a set period or until you delete them

Types of Cookies by Origin

• First-Party Cookies: Set by Zinancial directly
• Third-Party Cookies: Set by third-party service providers we work with

Zinancial uses cookies and similar technologies to:

• Maintain secure login sessions and authenticate users
• Protect against fraud and unauthorized access
• Ensure platform stability and performance
• Remember user preferences and settings
• Analyze usage to improve our Services
• Provide relevant communications where permitted
• Deliver personalized experiences
• Comply with legal and regulatory requirements

Strictly Necessary Cookies

Required for core functionality and cannot be turned off:

• Authentication: Verify your identity and maintain login sessions
• Security: Protect against fraudulent activity and unauthorized access
• Load Balancing: Distribute traffic across servers for optimal performance
• Session Management: Track your interaction with the platform during a session
• Compliance: Support GDPR consent management and cookie preferences
• Legal Basis (UK GDPR / EU GDPR): Necessary for performance of contract and legitimate interests in security

Performance and Analytics Cookies

Help us understand how users interact with the platform:

• Page Views: Track which pages are visited and how users navigate
• Feature Usage: Understand which features are used most frequently
• Error Tracking: Identify and fix technical issues
• Performance Metrics: Measure page load times and system responsiveness
• Aggregated Statistics: Generate anonymized usage reports

These cookies help us improve functionality and user experience. Data is typically aggregated and anonymized.

Examples: Google Analytics, Mixpanel, Amplitude.

Legal Basis (UK GDPR / EU GDPR): Consent or legitimate interests (where permitted).

Functional Cookies

Remember preferences and enhance personalization:

• Language Preferences: Remember your language selection
• Dashboard Layouts: Save your customized dashboard configurations
• Display Settings: Remember theme preferences (light/dark mode)
• Region Settings: Store your location or timezone preferences
• Accessibility Options: Remember accessibility settings

Although important, these cookies are not required. Without them, certain functionality may be unavailable.

Legal Basis (UK GDPR / EU GDPR): Consent or legitimate interests (where permitted).

Marketing and Targeting Cookies

Deliver relevant promotional content (subject to consent where required):

• Interest-Based Advertising: Show ads relevant to your interests
• Campaign Tracking: Measure effectiveness of marketing campaigns
• Conversion Tracking: Track actions after viewing ads
• Retargeting: Show ads to users who have visited our site
• Social Media Integration: Enable sharing and social features

These cookies are used to make advertising more relevant to you. They may track your activity across websites.

Examples: Google Ads, Facebook Pixel, LinkedIn Insight Tag.

Legal Basis (UK GDPR / EU GDPR): Consent required in most jurisdictions.

Security Cookies

Detect suspicious activity and maintain system integrity:

• Fraud Detection: Identify unusual login patterns or suspicious behavior
• Bot Prevention: Distinguish between human users and automated systems
• Security Monitoring: Track potential security threats
• Account Protection: Prevent unauthorized access attempts

These cookies are essential for maintaining the security of our financial platform.

Legal Basis (UK GDPR / EU GDPR): Necessary for legitimate interests in security.

Certain cookies are placed by third-party service providers we work with:

Analytics Providers

• Google Analytics: Website traffic and user behavior analysis
• Mixpanel: Product analytics and user engagement tracking
• Amplitude: Product intelligence and behavioral analytics

Performance and Monitoring

• Datadog: Application performance monitoring
• Sentry: Error tracking and debugging

Marketing and Advertising

• Google Ads: Advertising and conversion tracking
• Facebook Pixel: Social media advertising
• LinkedIn Insight Tag: Professional network advertising

Communication Tools

• Intercom: Customer support and messaging
• Zendesk: Support ticket management

Third-Party Responsibility

Zinancial does not control third-party cookies. Their use is governed by the respective providers privacy and cookie policies. We contractually require third-party providers to:

• Safeguard data in accordance with applicable privacy laws
• Use data only for specified purposes
• Implement appropriate security measures
• Comply with data protection obligations

However, Zinancial disclaims responsibility for third-party practices to the extent permitted by law.

In addition to cookies, we use other tracking technologies:

Local Storage

Browser storage mechanisms that allow websites to store data locally on your device. Used for preferences, session data, and caching.

Device Fingerprinting

Collecting information about your device configuration (browser version, screen resolution, installed fonts, etc.) to create a unique identifier. Used primarily for fraud prevention and security.

Mobile SDKs

Software development kits in mobile applications that collect analytics, crash reports, and usage data to improve app performance and features.

Consent Requirements

Under UK GDPR, EU GDPR, and certain other laws, we are required to obtain your consent before placing non-essential cookies.

When you first visit our website or app:

• You will see a cookie consent banner
• You can accept all cookies, reject non-essential cookies, or customize your preferences
• Strictly necessary cookies will be used regardless of your choice
• Your consent preferences are stored for future visits

Managing Cookie Preferences

You can manage your cookie preferences at any time through:

Our Cookie Preference Center: Access via Settings in your account or the link in our website footer. You can:

• Enable or disable specific cookie categories
• View details about cookies we use
• Withdraw consent at any time
• Delete existing cookies
• Be notified before cookies are placed

Consequences of Disabling Cookies

Please note that:

• Disabling strictly necessary cookies will prevent you from using the Services
• Disabling functional cookies may limit personalization and convenience features
• Disabling analytics cookies will not affect functionality but may limit our ability to improve the Services
• Disabling marketing cookies will not reduce advertising but may make ads less relevant

Some browsers transmit Do Not Track signals. Currently, there is no industry standard for how websites should respond to DNT signals. Zinancial does not respond to DNT signals at this time.

We will update this Policy if we adopt a DNT standard in the future.

Subject to the arbitration provisions below, you agree to the exclusive jurisdiction of the courts located in [Jurisdiction - To Be Updated] for resolving disputes.

Information collected through cookies may include:

• Device identifiers (IP address, device ID, browser type)
• Usage information (pages viewed, features accessed, time spent)
• Preferences and settings
• Location data (approximate location based on IP)
• Authentication tokens and session identifiers
• Marketing interaction data (ads clicked, conversion events)

This information is processed in accordance with our Privacy Policy.

Cookie data is retained for varying periods:

• Session Cookies: Deleted when browser session ends
• Persistent Cookies: Retained for duration specified in cookie (typically 30 days to 2 years)
• Analytics Data: Aggregated analytics data may be retained indefinitely
• Marketing Data: Typically retained for 90 days to 2 years depending on the platform

You can delete cookies at any time through your browser settings.

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations.

Material changes will be communicated via prominent notices on our website.

For questions or concerns about our use of cookies, contact:

• Email: privacy@zinancial.com
• Address: [Complete Business Address - To Be Updated]
• Phone: [Contact Number - To Be Updated]