Cookie Policy

1. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile) when you visit a website. They help websites remember your preferences, keep you logged in, and understand how you use the site. Cookies are widely used to make websites work more efficiently and provide a better user experience.

2. How We Use Cookies

Fiscura uses cookies and similar technologies to:

• Keep you signed in to your account
• Remember your preferences and settings
• Understand how you use our service
• Improve our website and services
• Ensure security and prevent fraud
• Analyze website traffic and performance

3. Types of Cookies We Use

Essential Cookies (Required)

These cookies are necessary for the website to function properly. Without them, you would not be able to use basic features like signing in or accessing secure areas.

• Authentication cookies: Keep you logged in during your session
• Security cookies: Protect against fraud and unauthorized access
• Session cookies: Remember your actions during a browsing session
• Load balancing: Ensure the website performs well under load

Functional Cookies

These cookies remember your choices and preferences to provide a more personalized experience.

• Preference cookies: Remember your language, timezone, and display settings
• Cookie consent: Remember your cookie preferences
• Feature settings: Remember which features you've enabled or disabled

Analytics Cookies

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously.

• Usage analytics: Track which pages are visited and how users navigate
• Performance metrics: Measure page load times and errors
• Feature adoption: Understand which features are most used

4. Third-Party Cookies

We use services from trusted third parties that may set their own cookies:

Clerk (Authentication)

Clerk provides our authentication system. Their cookies are essential for keeping you securely logged in and managing your session.

• __clerk_db_jwt: Secure authentication token
• __client_uat: Client authentication timestamp
• __session: Session management

Stripe (Payments)

Stripe processes payments securely. Their cookies help prevent fraud and ensure secure transactions.

Plaid (Bank Connections)

Plaid facilitates secure bank connections. Their cookies are used during the bank linking process to maintain security.

5. Cookie Duration

Cookies can be either "session" or "persistent" cookies:

• Session cookies: Temporary cookies that are deleted when you close your browser. Used for authentication and security during your visit.
• Persistent cookies: Remain on your device for a set period or until you delete them. Used to remember your preferences and keep you logged in across sessions.

Most of our cookies expire within 30 days, though some preference cookies may last up to 1 year to provide a consistent experience.

6. Managing Your Cookie Preferences

You have control over how cookies are used:

Cookie Consent Banner

When you first visit Fiscura, you'll see a cookie consent banner. You can choose to accept all cookies or customize your preferences.

Browser Settings

Most web browsers allow you to control cookies through their settings. You can:

• View what cookies are stored
• Delete all or specific cookies
• Block cookies from specific websites
• Block all cookies (note: this may affect functionality)
• Set preferences for first-party vs third-party cookies

Browser-Specific Instructions

7. Impact of Disabling Cookies

If you disable or delete cookies, some features of Fiscura may not work properly:

• You may need to log in every time you visit
• Your preferences may not be saved
• Some features may not function correctly
• The website may be slower or less personalized

Note: Essential cookies cannot be disabled as they are required for the website to function. If you block essential cookies, you may not be able to use Fiscura at all.

8. Do Not Track Signals

Some browsers have a "Do Not Track" (DNT) feature that sends a signal to websites requesting that your browsing activities not be tracked. We respect DNT signals and do not track users who have enabled this feature.

9. Similar Technologies

In addition to cookies, we may use other similar technologies:

• Local Storage: Stores data in your browser for faster performance and offline functionality
• Session Storage: Temporary storage that's cleared when you close your browser tab
• IndexedDB: Used for storing larger amounts of structured data (like cached receipts for offline access)

These technologies follow the same principles as cookies and can be managed through your browser settings.

10. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in technology, legislation, or our services. When we make significant changes, we will notify you through our website or by email. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about our use of cookies or this Cookie Policy:

12. Related Policies

For more information about how we handle your data, please also review:

• Privacy Policy - How we collect, use, and protect your personal information
• Terms of Service - Terms and conditions for using Fiscura