Cookie Policy

What Are Cookies and Tracking Technologies

Cookies are small text files that websites place on your device when you visit them. At Cognira Rush, we use various tracking technologies to enhance your budgeting experience and provide personalized financial insights. These technologies help us remember your preferences, analyze how you interact with our platform, and continuously improve our services.

Beyond traditional cookies, we also employ web beacons, pixel tags, and local storage technologies. Each serves a specific purpose in creating a seamless user experience while respecting your privacy choices. Our tracking methods are designed to support your financial journey by remembering your dashboard preferences, saving your budget categories, and providing relevant educational content.

Types of Tracking We Use

Our tracking technologies fall into several categories, each serving different functions to support your financial management experience. Understanding these categories helps you make informed decisions about your privacy preferences.

• Essential Functional Cookies

  These are necessary for basic website functionality and cannot be disabled. They enable core features like secure login, session management, and maintaining your preferences across pages. Without these, our budgeting platform simply wouldn't work properly.

• Performance and Analytics

  We track how users navigate our platform to identify areas for improvement. This includes monitoring which budgeting tools are most popular, where users encounter difficulties, and how we can streamline the financial planning process. All data is aggregated and anonymized.

• Personalization Features

  These cookies remember your dashboard layout preferences, preferred currency settings, budget category customizations, and educational content interests. They make your return visits more efficient by maintaining your personalized financial management environment.

• Educational Content Optimization

  To provide relevant financial education resources, we track which topics interest you most. This helps us recommend appropriate learning materials, budgeting strategies, and financial planning guides that align with your specific needs and goals.

How Tracking Enhances Your Experience

Our tracking technologies directly contribute to making Cognira Rush more effective for your financial management needs. When you set up budget categories, our system remembers these preferences for future sessions, eliminating the need to reconfigure your dashboard repeatedly.

The analytics we gather help us understand common financial planning challenges faced by our South African users. This insight drives feature development – for instance, if we notice many users struggling with a particular budgeting tool, we can redesign it for better usability. We've improved our expense tracking interface three times in 2024 based on user behavior analysis.

Personalization tracking allows us to suggest relevant educational content. If you frequently use our debt management tools, we might recommend articles about debt consolidation strategies or workshops on financial recovery planning. This targeted approach helps you access the most relevant resources for your situation.

Data Retention and Storage

Different types of tracking data have different retention periods based on their purpose and legal requirements. Our retention policies balance functionality needs with privacy protection, ensuring we don't keep data longer than necessary.

All tracking data is stored on secure servers located in South Africa, complying with local data protection regulations. We regularly review and purge outdated information, and you can request deletion of your tracking data at any time through your account settings or by contacting our support team.

Managing Your Cookie Preferences

You have complete control over how cookies and tracking technologies function on your device. While essential cookies cannot be disabled without breaking core functionality, you can customize settings for all other categories according to your privacy preferences.

Additionally, you can manage tracking preferences directly within your Cognira Rush account dashboard. Our privacy control panel allows you to enable or disable specific tracking categories without affecting essential platform functionality. Changes take effect immediately and are synchronized across all your devices.

Third-Party Services and Integration

Cognira Rush integrates with select third-party services to enhance functionality, and these services may place their own cookies on your device. We carefully vet all third-party partners to ensure they meet our privacy standards and provide genuine value to your financial management experience.

Our analytics provider helps us understand platform performance and user experience issues. Educational content providers may use cookies to recommend relevant financial literacy materials. Payment processing services use secure tokens for transaction handling, though these don't track your browsing behavior.

You can review and manage third-party cookies through your browser settings or by visiting the privacy policies of individual service providers. We maintain a current list of all third-party integrations in your account dashboard, along with direct links to their privacy policies and opt-out mechanisms.

Updates and Policy Changes

We review and update this cookie policy regularly to reflect changes in our tracking practices, new features, and evolving privacy regulations. Significant changes are communicated through email notifications to registered users and prominent notices on our platform.

Minor updates, such as clarifications or additional browser instructions, are made without advance notice but are always reflected in the "Last Updated" date at the top of this policy. We encourage you to review this policy periodically, especially after receiving update notifications.

If new tracking technologies are implemented that significantly change how we collect or use data, we will seek explicit consent through our platform's privacy preference center. Your continued use of Cognira Rush after policy updates indicates acceptance of the revised terms.