Cookie Policy

1. Introduction

This Cookie Policy explains how Kinosh Innovations LLC ("Company," "we," "us," or "our") uses cookies and similar tracking technologies when you use the Kapash mobile banking application ("App") and our website. This policy should be read in conjunction with our Privacy Policy.

By using the Kapash App, you consent to the use of cookies and similar technologies as described in this policy, unless you disable them through your device settings or our cookie preferences.

2. What Are Cookies and Similar Technologies?

We use various types of cookies and similar technologies to enhance your experience:

2.1 Cookies

Small text files stored on your device that help us remember your preferences and improve your experience.

2.2 Local Storage

Data stored locally on your device to remember your settings and preferences between app sessions.

2.3 Web Beacons and Pixels

Small images or code snippets that help us understand how you interact with our services.

2.4 Device Identifiers

Unique identifiers associated with your device that help us provide personalized services and security features.

3. Types of Cookies We Use

We use the following categories of cookies:

3.1 Strictly Necessary Cookies

These cookies are essential for the App to function properly and cannot be disabled. They include:

• Authentication cookies to keep you logged in securely
• Security cookies to protect against fraud and unauthorized access
• Session management cookies to maintain your session
• Load balancing cookies to ensure optimal performance

3.2 Functional Cookies

These cookies enhance functionality and personalization. They may be set by us or by third-party providers:

• Preference cookies to remember your settings (language, theme, etc.)
• Feature cookies to enable enhanced features and functionality
• Localization cookies to provide region-specific content

3.3 Analytics and Performance Cookies

These cookies help us understand how you use the App so we can improve it:

• Usage analytics to understand app performance and user behavior
• Error tracking to identify and fix technical issues
• Performance monitoring to ensure fast and reliable service

3.4 Marketing and Advertising Cookies

These cookies are used to deliver relevant advertisements and measure campaign effectiveness (only with your consent):

• Targeting cookies to show you relevant offers and promotions
• Conversion tracking to measure marketing campaign success
• Retargeting cookies to show you relevant content based on your interests

4. How We Use Cookies

We use cookies and similar technologies for the following purposes:

• Security: Protect your account and prevent fraudulent activity
• Authentication: Keep you logged in securely and manage your session
• Preferences: Remember your settings, language, and display preferences
• Analytics: Understand how you use the App to improve our services
• Performance: Monitor and optimize app performance and reliability
• Personalization: Provide customized content and recommendations
• Marketing: Deliver relevant offers and measure campaign effectiveness (with consent)

5. Third-Party Cookies

We may use third-party services that set their own cookies and similar technologies. These services help us:

• Analytics Providers: Services like Google Analytics to understand app usage patterns
• Payment Processors: Secure payment processing services for financial transactions
• Security Services: Fraud detection and security monitoring services
• Customer Support: Support platforms to provide customer assistance

These third-party services have their own privacy policies and cookie practices. We encourage you to review their policies to understand how they handle your information.

6. Cookie Duration

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

6.1 Session Cookies

These cookies are temporary and are deleted when you close the App. They are essential for the App to function during your session, such as maintaining your login state.

6.2 Persistent Cookies

These cookies remain on your device for a set period or until you delete them. They help us remember your preferences and improve your experience across multiple sessions. Persistent cookies typically expire after:

• 30 days for preference cookies
• 90 days for analytics cookies
• Up to 2 years for marketing cookies (with consent)

7. Managing Your Cookie Preferences

You have control over cookies and can manage your preferences in several ways:

7.1 App Settings

You can manage cookie preferences through the App's settings menu. You can:

• Enable or disable non-essential cookies
• Control analytics and marketing cookies
• Clear stored cookies and local data

7.2 Device Settings

You can also manage cookies through your device's operating system settings:

• iOS: Settings → Safari → Block All Cookies (may affect app functionality)
• Android: Settings → Apps → Kapash → Storage → Clear Data

7.3 Browser Settings (for Web Access)

If you access Kapash through a web browser, you can manage cookies through your browser settings. Most browsers allow you to:

• View and delete cookies
• Block cookies from specific sites
• Set preferences for cookie acceptance

8. Impact of Disabling Cookies

While you can disable certain cookies, doing so may impact your experience:

• Reduced Functionality: Some features may not work as expected
• Login Issues: You may need to log in more frequently
• Lost Preferences: Your settings and preferences may not be saved
• Personalization: Less personalized experience and recommendations

9. Do Not Track Signals

Some browsers and devices support "Do Not Track" (DNT) signals. Currently, there is no industry standard for how DNT signals should be interpreted. We do not currently respond to DNT signals, but we respect your cookie preferences as set through our App settings and this Cookie Policy.

10. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by posting the updated policy in the App or by other means. The "Last updated" date at the top of this policy indicates when it was last revised.

Your continued use of the App after such changes constitutes your acceptance of the updated Cookie Policy.

11. Contact Us

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

12. Related Documents

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

• Privacy Policy
• Terms and Conditions
• Security Information