Cookie Policy

Effective Date: January 15, 2025
Last Updated: January 15, 2025

This Cookie Policy explains how Finnance AI ("Company," "we," "us," or "our") uses cookies and similar tracking technologies when you visit our website or use the Finn AI financial communication service.

1. What Are Cookies?

Cookies are small text files that are stored on your device when you visit a website or use a mobile application. They help us provide you with a better experience by remembering your preferences and understanding how you interact with our service.

2. Types of Cookies We Use

2.1 Essential Cookies

These cookies are necessary for the basic functioning of our service and cannot be disabled.

Purpose:

Maintain your login session
Remember your security preferences
Enable core service functionality
Protect against fraud and security threats

Examples:

Authentication tokens
Security session cookies
Load balancing cookies
CSRF protection tokens

2.2 Functional Cookies

These cookies enhance your experience by remembering your preferences and settings.

Purpose:

Remember your language and region preferences
Save your display settings and customizations
Remember your notification preferences
Maintain your chat history and conversations

Examples:

Language preference cookies
Theme and display settings
User interface customizations
Feature usage preferences

2.3 Analytics Cookies

These cookies help us understand how you use our service to improve its performance and user experience.

Purpose:

Analyze service usage patterns
Measure performance and loading times
Identify popular features and content
Optimize service functionality

Examples:

Google Analytics cookies
Performance monitoring cookies
Usage tracking cookies
A/B testing cookies

2.4 Marketing Cookies

These cookies are used to deliver relevant advertisements and measure their effectiveness.

Purpose:

Show personalized advertisements
Measure ad campaign effectiveness
Prevent showing the same ad repeatedly
Track conversions and engagement

Examples:

Advertising network cookies
Social media tracking pixels
Retargeting cookies
Conversion tracking cookies

3. Specific Cookies We Use

3.1 Session Cookies

Name: finn_session
Purpose: Maintain your login session and security state
Duration: Session (deleted when you close your browser)
Type: Essential

3.2 Authentication Cookies

Name: finn_auth_token
Purpose: Secure authentication and authorization
Duration: 30 days or until logout
Type: Essential

3.3 Preference Cookies

Name: finn_preferences
Purpose: Remember your service preferences and settings
Duration: 1 year
Type: Functional

3.4 Analytics Cookies

Name: _ga, _gid (Google Analytics)
Purpose: Track service usage and performance
Duration: 2 years (_ga), 24 hours (_gid)
Type: Analytics

3.5 Security Cookies

Name: finn_csrf_token
Purpose: Protect against cross-site request forgery
Duration: Session
Type: Essential

4. Third-Party Cookies

We may use third-party services that set their own cookies:

4.1 Google Analytics

Purpose: Website and service analytics
Privacy Policy: Google Privacy Policy
Opt-out: Google Analytics Opt-out

4.2 Financial Data Providers

Plaid: Bank account connection services
Yodlee: Financial data aggregation
Purpose: Secure financial data access
Privacy Policy: Available on respective provider websites

4.3 Customer Support

Intercom: Customer support and communication
Zendesk: Help desk and ticketing system
Purpose: Provide customer support services

4.4 Security Services

Cloudflare: Security and performance
Auth0: Authentication services
Purpose: Security and fraud prevention

5. Mobile App Tracking

Our mobile applications may use similar tracking technologies:

5.1 Device Identifiers

Unique device identifiers (UDID)
Advertising identifiers (IDFA/GAID)
Push notification tokens
Installation and usage analytics

5.2 Location Data

Approximate location for security purposes
IP address geolocation
Time zone information
Regional service optimization

5.3 App Performance

Crash reports and error logs
Performance monitoring
Feature usage analytics
User engagement metrics

6.1 Cookie Settings

You can manage your cookie preferences through:

Your browser settings
Our cookie consent banner
Your account privacy settings
Third-party opt-out tools

6.2 Browser Controls

Most browsers allow you to:

View and delete cookies
Block cookies from specific sites
Block third-party cookies
Set cookies to expire automatically

6.3 Opt-out Options

You can opt-out of certain tracking by:

Using browser privacy extensions
Visiting third-party opt-out pages
Adjusting your account privacy settings
Contacting us directly

7. Impact of Disabling Cookies

7.1 Essential Cookies

If you disable essential cookies:

You may not be able to log in or stay logged in
Some service features may not work properly
Security features may be compromised
Service performance may be affected

7.2 Functional Cookies

If you disable functional cookies:

We won't remember your preferences
You'll need to re-enter settings each time
Customizations will be lost
User experience may be less personalized

7.3 Analytics Cookies

If you disable analytics cookies:

We won't be able to improve the service based on usage data
Performance issues may go undetected
Feature development may be less informed
Service optimization may be limited

8. Data Retention

8.1 Cookie Duration

Session cookies: Deleted when you close your browser
Persistent cookies: Remain until expiration date or manual deletion
Authentication cookies: Typically 30 days or until logout
Analytics cookies: Up to 2 years for trend analysis

8.2 Data Deletion

We automatically delete cookie data when:

Cookies expire according to their settings
You delete cookies through your browser
You request account deletion
Legal requirements mandate deletion

9. International Transfers

Some of our cookie data may be processed outside your country of residence. We ensure appropriate safeguards are in place, including:

Standard Contractual Clauses
Adequacy decisions
Appropriate technical and organizational measures
Regular compliance assessments

10. Updates to This Policy

We may update this Cookie Policy from time to time to reflect:

Changes in our cookie practices
New legal or regulatory requirements
Service updates and new features
Third-party service changes

We will notify you of significant changes through:

Email notifications
Service notifications
Website banner announcements
Updated privacy settings

11. Contact Information

If you have questions about our use of cookies or want to exercise your rights:

Privacy Officer:
Email: privacy@textfinn.com

Cookie Preferences:
Email: cookies@textfinn.com

General Inquiries:
Email: help@textfinn.com

This Cookie Policy is effective as of January 15, 2025, and was last updated on January 15, 2025.