Cookie Policy

1. Introduction

This Cookie Policy explains how Benki ("we," "our," or "us") uses cookies and similar tracking technologies on our website, mobile application, and related services (collectively, the "Services"). This policy should be read alongside our Privacy Policy, which provides additional information about how we collect and use your personal information.

2. What Are Cookies?

Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.

Cookies can be "persistent" (remain on your device until deleted or expired) or "session" (deleted when you close your browser). We use both types of cookies for various purposes.

3. Types of Cookies We Use

3.1 Essential Cookies

These cookies are necessary for the Services to function properly. They enable core functionality such as security, network management, and accessibility. You cannot opt out of essential cookies, as the Services would not function without them.

Examples: Authentication cookies, session management cookies, security cookies

3.2 Performance and Analytics Cookies

These cookies help us understand how visitors interact with our Services by collecting and reporting information anonymously. They allow us to improve the performance and user experience of our Services.

Examples: Google Analytics, usage statistics, performance monitoring

3.3 Functionality Cookies

These cookies enable enhanced functionality and personalization, such as remembering your preferences, language settings, and previous interactions with our Services.

Examples: Preference storage, language settings, user interface customization

3.4 Targeting and Advertising Cookies

These cookies are used to deliver relevant advertisements and track the effectiveness of our advertising campaigns. They may also be used to limit the number of times you see an advertisement.

Examples: Ad targeting, conversion tracking, remarketing

4. Third-Party Cookies

In addition to our own cookies, we may use third-party cookies from trusted partners to provide additional functionality and services. These third parties may set their own cookies on your device.

Third-party services we may use include:

• Analytics Services: Google Analytics, Mixpanel, and similar services to understand usage patterns
• Payment Processors: Stripe, PayPal, and other payment providers for transaction processing
• Content Delivery Networks: Services that help deliver content efficiently
• Social Media Platforms: Integration with social media services (if applicable)

These third parties have their own privacy policies and cookie practices. We encourage you to review their policies.

5. Similar Tracking Technologies

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

• Web Beacons/Pixel Tags: Small images embedded in web pages or emails to track engagement
• Local Storage: Data stored locally in your browser for faster access and offline functionality
• Device Fingerprinting: Techniques to identify devices based on unique characteristics
• SDK Tracking: In our mobile applications, we may use software development kits (SDKs) for analytics and functionality

6. How We Use Cookies

We use cookies for the following purposes:

• Authentication: To keep you logged in and maintain your session
• Security: To detect and prevent fraud, abuse, and security threats
• Preferences: To remember your settings and preferences
• Analytics: To understand how you use our Services and improve them
• Performance: To optimize the speed and functionality of our Services
• Advertising: To deliver relevant advertisements and measure campaign effectiveness (where applicable)

7. Managing Your Cookie Preferences

You have the right to control and manage cookies on your device. Most web browsers allow you to control cookies through their settings. You can set your browser to refuse cookies or alert you when cookies are being sent.

7.1 Browser Settings

You can manage cookies through your browser settings:

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Options → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Cookies and website data
• Edge: Settings → Privacy, search, and services → Cookies and site permissions

7.2 Opt-Out Tools

You can also opt out of certain third-party cookies using industry opt-out tools:

• Google Analytics: Google Analytics Opt-out
• Digital Advertising Alliance: DAA Opt-out
• Network Advertising Initiative: NAI Opt-out

Note: If you disable cookies, some features of our Services may not function properly, and your experience may be degraded.

8. Mobile Application Tracking

Our mobile applications may use similar tracking technologies, including:

• Device identifiers (IDFA, Android ID)
• Analytics SDKs
• Crash reporting tools
• Performance monitoring

You can manage these through your device settings. On iOS, you can opt out of ad tracking in Settings → Privacy → Tracking. On Android, you can manage app permissions in Settings → Apps.

9. Cookie Retention

Cookies are retained for different periods depending on their purpose:

• Session Cookies: Deleted when you close your browser
• Persistent Cookies: Remain until they expire or are deleted (typically 30 days to 2 years)
• Essential Cookies: May persist for extended periods for security purposes

10. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by posting the updated policy on this page and updating the "Last updated" date.

11. Contact Us

If you have questions about our use of cookies or this Cookie Policy, please contact us at: