What Are Cookies?

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

Cookies allow a website to recognize your device and store some information about your preferences or past actions. This helps us provide you with a better experience when you browse our website and allows us to improve our services.

How We Use Cookies

We use cookies for the following purposes:

To enable essential website functionality
To maintain your login session
To protect against security threats (CSRF protection)
To remember your preferences and settings
To improve website performance and user experience

Types of Cookies We Use

1. Essential Cookies

These cookies are strictly necessary for the website to function properly. They enable core functionality such as security, network management, and accessibility. You cannot opt-out of these cookies as they are essential for the service to work.

Examples:

Session Cookies: Maintain your login session while you browse the website
CSRF Token Cookies: Protect against cross-site request forgery attacks
Authentication Cookies: Verify your identity and maintain your logged-in state

2. Functional Cookies

These cookies enable enhanced functionality and personalization. They remember your choices and preferences to provide a more personalized experience.

Examples:

Language Preferences: Remember your preferred language
User Settings: Store your display preferences and settings
Cookie Consent: Remember your cookie preferences

3. Analytics Cookies

Currently, we do not use analytics cookies. If we add analytics services (such as Google Analytics) in the future, we will:

Update this Cookie Policy
Provide you with the option to opt-out
Only use analytics cookies with your consent

Cookie Duration

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

Session Cookies: These are temporary cookies that expire when you close your browser. We use session cookies to maintain your login state and session security.
Persistent Cookies: These remain on your device for a set period or until you delete them. We use persistent cookies to remember your preferences and cookie consent choices.

Our session cookies typically expire when you close your browser. Our persistent cookies (for preferences) expire after 1 year or when you delete them manually.

Third-Party Cookies

We may use third-party services that set their own cookies:

Payment Processors: Razorpay may set cookies to process payments securely. These are essential for payment functionality.
Hosting Providers: Our hosting service may use cookies for load balancing and security.

We do not control third-party cookies. Please refer to their respective privacy and cookie policies for more information.

Managing Your Cookie Preferences

Cookie Consent Banner

When you first visit our website, you will see a cookie consent banner. You can:

Accept all cookies
Reject non-essential cookies (essential cookies cannot be disabled)
Customize your cookie preferences

Browser Settings

You can control cookies through your browser settings. Most browsers allow you to:

View and delete cookies
Block cookies from specific websites
Block all cookies
Delete all cookies when you close your browser

Note: Disabling essential cookies may prevent you from using certain features of our website, including logging in and creating reports.

Instructions for managing cookies in popular browsers:

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

Impact of Disabling Cookies

If you choose to disable cookies, some features of our website may not function properly:

You may not be able to log in to your account
You may not be able to create or access reports
Your preferences and settings may not be saved
Some security features may not work correctly
You may need to re-enter information repeatedly

Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by:

Posting the updated policy on this page
Updating the "Last updated" date
Showing a notice on our website for significant changes

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies.

Contact Us

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

Email: support@skarafinancial.com
Address: Nehru Place, Delhi, India