Cookie Policy

1. What Are Cookies?

Cookies are small text files stored on your device (computer, smartphone, tablet) when you visit our website. They help us provide you with a better experience by remembering your preferences, keeping you logged in, and understanding how you use our Services.

This Cookie Policy explains what cookies we use, why we use them, and how you can control them. This policy should be read together with our Privacy Policy.

2. Types of Cookies We Use

2.1 Essential Cookies (Required)

These cookies are necessary for the website to function and cannot be disabled. They enable core functionality such as:

• Authentication: Keep you logged in to your account securely
• Security: Detect and prevent fraudulent activity, CSRF protection
• Session Management: Maintain your session across pages (JWT tokens)
• Load Balancing: Distribute network traffic for optimal performance

2.2 Functional Cookies (Optional)

These cookies remember your choices and personalize your experience:

• Preferences: Dark mode, language selection, dashboard layout
• User Settings: Category customizations, notification preferences
• Remember Me: Stay logged in across browser sessions

2.3 Analytics Cookies (Optional)

These cookies help us understand how you interact with our Services to improve them:

• Usage Tracking: Pages visited, features used, time spent
• Performance Metrics: Load times, errors, browser compatibility
• A/B Testing: Test new features with user segments

All analytics data is anonymized and aggregated. We do not track personally identifiable information without consent.

2.4 Marketing Cookies (Requires Consent)

These cookies track your activity to deliver personalized advertising:

• Advertising: Show relevant ads on third-party platforms
• Conversion Tracking: Measure effectiveness of marketing campaigns
• Retargeting: Display ads to users who visited our website

You can opt out of marketing cookies at any time. This will not affect your ability to use the Services.

3. First-Party vs. Third-Party Cookies

First-Party Cookies

Set directly by Nova Finance (domain: novafinance.tech). These cookies are essential for our Services to function and provide you with personalized features.

Third-Party Cookies

Set by our trusted partners for specific purposes:

• Stripe: Secure payment processing (PCI DSS compliant)
• Plaid: Bank account connection (temporary session cookies only)
• Google Analytics: Anonymized usage statistics
• Vercel: Website hosting and performance monitoring

Third-party cookies are subject to their respective providers' privacy policies. We carefully select partners who comply with GDPR, CCPA, and other privacy regulations.

4. How We Use Cookie Data

We use cookies to:

• Authenticate users and prevent unauthorized access
• Remember your preferences and settings
• Analyze website traffic and user behavior (anonymized)
• Improve our Services based on usage patterns
• Detect and prevent fraud and security threats
• Comply with legal and regulatory requirements
• Provide customer support and troubleshoot issues

We do not sell cookie data to third parties. We only share data with service providers necessary to operate the Services, all bound by strict confidentiality agreements.

5. Cookie Duration and Storage

Session Cookies

Temporary cookies deleted when you close your browser. Used for authentication and navigation.

Persistent Cookies

Remain on your device for a specified duration:

• Authentication: Up to 30 days (configurable with "Remember Me")
• Preferences: 1 year
• Analytics: 2 years (anonymized)
• Marketing: 90 days to 2 years (only with consent)

Cookies are automatically deleted after their expiration date or when you clear your browser data.

6. How to Manage and Delete Cookies

6.1 In-App Cookie Preferences

You can manage your cookie preferences directly in Nova Finance:

1. Go to Settings > Privacy > Cookie Preferences
2. Toggle cookie categories on/off (Essential cookies cannot be disabled)
3. Save your preferences

Your choices are stored locally and respected across all sessions.

6.2 Browser Settings

You can also control cookies through your browser settings:

• Chrome: Settings > Privacy and security > Cookies and other site data
• Firefox: Settings > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Manage Website Data
• Edge: Settings > Cookies and site permissions > Cookies and site data

Note: Blocking essential cookies will prevent you from logging in and using the Services.

6.3 Opt-Out of Third-Party Cookies

• Google Analytics: Google Analytics Opt-Out
• Advertising: NAI Opt-Out, DAA Opt-Out

7. Impact of Disabling Cookies

If you disable cookies, certain features may not work properly:

8. Do Not Track (DNT) Signals

Some browsers offer a "Do Not Track" (DNT) signal that requests websites not to track users. However, there is no industry standard for how websites should respond to DNT signals.

Our Approach: We respect browser DNT settings by disabling non-essential analytics and marketing cookies when DNT is enabled. Essential and functional cookies remain active to ensure the Services function properly.

9. Your Rights Under GDPR and CCPA

GDPR (EU/EEA Residents)

• Right to consent: We obtain explicit consent before setting non-essential cookies
• Right to withdraw consent: Manage preferences anytime in Settings
• Right to access: Request a list of cookies stored on your device

CCPA (California Residents)

• Right to know: Understand what cookies we use and why
• Right to opt-out: Disable non-essential cookies
• Right to non-discrimination: No penalty for opting out

10. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you via:

• In-app notification (cookie banner)
• Email notification (for significant changes)
• Updated "Last updated" date at the top of this policy

Continued use of our Services after changes take effect constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about our use of cookies, please contact: