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    Cookie Policy

    Last updated: July 1, 2026

    1. WHAT ARE COOKIES?

    Cookies are small text files placed on your device when you visit a website. We also use pixels, tags, SDKs, local storage, and similar technologies (collectively, “Cookies”) for the purposes described below.

    2. TYPES OF COOKIES WE USE

    2.1 Strictly necessary Cookies.

    Required for core functionality, including authentication, session management, load balancing, security, and fraud prevention. These cannot be disabled without breaking the Services.

    2.2 Functional Cookies.

    Remember your preferences and settings (language, region, saved inputs) to improve your experience.

    2.3 Analytics Cookies.

    Help us understand how the Services are used so we can improve them. Providers may include Google Analytics, Segment, PostHog, or similar. Analytics data is generally aggregated and pseudonymized.

    2.4 Advertising and marketing Cookies.

    Where permitted, we and our partners may use Cookies to measure marketing performance and, with your consent where required, to deliver relevant advertising on third-party sites.

    3. THIRD-PARTY COOKIES

    Some Cookies are placed by third parties, including:

    • Stripe — fraud prevention (Stripe Radar), payment element functionality;
    • Plaid — bank-linking flows;
    • Analytics and product-analytics providers;
    • Advertising and attribution partners (where you have consented). These third parties’ use of Cookies is governed by their own privacy policies.

    4. YOUR CHOICES

    • Cookie banner. On first visit and periodically thereafter, we present a consent banner allowing you to accept, reject, or customize non-essential Cookies.
    • Browser controls. Most browsers let you view, block, or delete Cookies. Blocking essential Cookies may impair the Services.
    • Global Privacy Control (GPC). We honor GPC signals as an opt-out of “sale” or “sharing” for cross-context behavioral advertising, where required by law.
    • Do Not Sell or Share My Personal Information. Use the link in the site footer to exercise opt-out rights under applicable state law.
    • Mobile identifiers. iOS and Android provide device-level controls to limit ad tracking and reset advertising identifiers.

    5. CHANGES

    We may update this Cookie Policy from time to time. Material changes will be posted at inharmoney.xyz/cookies with a revised “Last Updated” date.

    6. CONTACT

    Harmoney Financial Technologies, Inc. Email: info@inharmoney.xyz