Cookie Policy

1. What Are Cookies?

1.1 Cookie Consent and Compliance

This Cookie Policy explains how Sonnet Money uses cookies and similar technologies in compliance with Canadian privacy laws, including PIPEDA. By continuing to use our website and services, you consent to our use of cookies as described in this policy.

Cookies are small text files that are stored on your device (computer, smartphone, or tablet) when you visit websites. They contain information about your browsing activity and preferences, which can be retrieved by the website during subsequent visits.

1.2 How Cookies Work

When you visit our website, your browser downloads cookies from our servers. These cookies help us remember your preferences, maintain your session, and provide a personalized experience. Some cookies are deleted when you close your browser (session cookies), while others remain on your device until they expire or are manually deleted (persistent cookies).

1.4 Similar Technologies

In addition to cookies, we may use similar technologies such as:

• Web beacons: Small transparent images that help us analyze website usage
• Local storage: Browser-based storage for enhanced functionality
• Session storage: Temporary storage that expires when you close your browser
• Pixels: Tracking elements used for analytics and marketing purposes

2. Cookies We Use

2.1 Cookie Categories

We categorize our cookies into four main types based on their purpose and functionality:

3. Essential Cookies

3.1 Purpose

Essential cookies are strictly necessary for the operation of our website and services. These cookies enable basic functionality such as user authentication, security, and core features.

3.2 Essential Cookies We Use

Cookie Name	Purpose	Duration
session_id	Maintains your login session and user authentication	Session (expires when browser closes)
csrf_token	Protects against cross-site request forgery attacks	Session
security_key	Ensures secure communication between your browser and our servers	24 hours
load_balancer	Routes your requests to the appropriate server	Session
cookie_consent	Remembers your cookie consent preferences	1 year

3.3 Legal Basis

These cookies are processed based on legitimate interests and contractual necessity to provide our services. They do not require separate consent under Canadian privacy laws as they are essential for website functionality.

4. Functional Cookies

4.1 Purpose

Functional cookies enhance your user experience by remembering your preferences, settings, and previous interactions with our website.

4.2 Functional Cookies We Use

Cookie Name	Purpose	Duration
user_preferences	Stores your dashboard layout and display preferences	1 year
language_preference	Remembers your preferred language setting	1 year
timezone	Stores your timezone for accurate date/time display	6 months
theme_preference	Remembers your choice between light and dark themes	1 year
currency_format	Stores your preferred currency display format	1 year

4.3 Consent

These cookies require your consent. You can manage your preferences in our cookie consent banner or cookie settings.

5. Analytics Cookies

5.1 Purpose

Analytics cookies help us understand how visitors interact with our website, which pages are most popular, and how we can improve our services.

5.2 Analytics Services We Use

Service	Provider	Purpose	Cookie Duration
Google Analytics	Google Inc.	Website traffic analysis, user behavior tracking	2 years
Hotjar	Hotjar Ltd.	User session recordings, heatmaps, feedback collection	1 year
Mixpanel	Mixpanel Inc.	Product analytics, feature usage tracking	1 year

5.3 Data Collected

Analytics cookies may collect information such as:

• Pages visited and time spent on each page
• Click patterns and navigation paths
• Device and browser information
• Geographic location (city/region level)
• Referral sources (how you found our website)

5.4 Data Anonymization

We configure our analytics tools to anonymize personal information where possible, including IP address anonymization and removal of personally identifiable information.

6. Marketing Cookies

6.1 Purpose

Marketing cookies are used to track visitors across websites to deliver relevant advertisements and measure the effectiveness of our marketing campaigns.

6.2 Marketing Services We Use

Service	Provider	Purpose	Cookie Duration
Google Ads	Google Inc.	Retargeting, conversion tracking, ad personalization	90 days
Facebook Pixel	Meta Platforms	Social media advertising, audience building	90 days
LinkedIn Insight	LinkedIn Corp.	Professional network advertising, lead generation	90 days

6.3 Personalized Advertising

With your consent, marketing cookies enable us to:

• Show you relevant advertisements on other websites
• Measure the effectiveness of our advertising campaigns
• Build custom audiences for targeted marketing
• Prevent you from seeing the same advertisements repeatedly

6.4 Opt-Out Options

You can opt out of personalized advertising through:

• Our cookie consent banner
• Industry opt-out tools (Digital Advertising Alliance of Canada)
• Individual advertising platform settings
• Browser-based tracking protection features

7. Third-Party Cookies

7.1 What Are Third-Party Cookies?

Third-party cookies are set by external services integrated into our website, such as analytics providers, payment processors, and social media platforms.

7.2 Third-Party Services

Our website may include services from the following third-party providers:

• Payment Processors: Stripe, PayPal (for secure subscription payment processing)
• Customer Support: Intercom, Zendesk (for chat and help desk)
• Content Delivery: Cloudflare (for website performance)
• Email Services: Mailchimp, SendGrid (for email communications)
• Cloud Hosting: AWS, Google Cloud (for secure data storage)

7.3 Third-Party Privacy Policies

Third-party cookies are governed by the respective companies' privacy policies. We recommend reviewing their policies for detailed information about their data practices:

• Google Privacy Policy
• Meta Privacy Policy
• LinkedIn Privacy Policy
• Stripe Privacy Policy

8. Managing Your Cookie Preferences

8.1 Cookie Consent Banner

When you first visit our website, you'll see a cookie consent banner that allows you to:

• Accept all cookies
• Reject non-essential cookies
• Customize your cookie preferences by category
• Learn more about each cookie type

8.2 Cookie Settings

You can change your cookie preferences at any time by:

• Clicking the "Cookie Settings" link in our website footer
• Accessing cookie preferences in your account settings
• Clearing your browser cookies and revisiting our site

8.3 Granular Control

Our cookie management tool allows you to:

• Enable or disable cookies by category
• View detailed information about each cookie
• Understand the impact of disabling specific cookies
• Save your preferences for future visits

9. Browser Cookie Settings

9.1 General Instructions

All modern browsers allow you to control cookie settings. You can typically:

• Block all cookies
• Block third-party cookies only
• Delete existing cookies
• Set cookies to be deleted when you close your browser
• Create exceptions for specific websites

10. Mobile Devices

10.1 Mobile Browser Settings

Mobile browsers have similar cookie controls to desktop versions. Access settings through your browser's menu or preferences.

10.2 Mobile App Tracking

Our mobile application may use device identifiers and analytics tools. You can control tracking through:

• iOS: Settings > Privacy & Security > Tracking > Allow Apps to Request to Track
• Android: Settings > Privacy > Ads > Opt out of Ads Personalization

10.3 Device Settings

Both iOS and Android offer system-level privacy controls that affect app tracking and data collection.

11. Consequences of Disabling Cookies

11.1 Essential Cookies

Disabling essential cookies will prevent our website from functioning properly. You may experience:

• Inability to log in or maintain your session
• Loss of security protections
• Reduced website functionality
• Need to re-enter information repeatedly

11.2 Functional Cookies

Disabling functional cookies may result in:

• Loss of personalized settings and preferences
• Default language and currency settings
• Less convenient user experience
• Need to reconfigure settings on each visit

11.3 Analytics Cookies

Disabling analytics cookies will:

• Prevent us from understanding how you use our website
• Limit our ability to improve our services
• Not affect your ability to use our website

11.4 Marketing Cookies

Disabling marketing cookies will:

• Prevent personalized advertising
• Result in less relevant advertisements
• Not prevent you from seeing advertisements entirely
• Limit our ability to measure marketing effectiveness

12. Updates to This Policy

12.1 Policy Changes

We may update this Cookie Policy to reflect changes in our practices, legal requirements, or technology. Material changes will be communicated through:

• Updated "Last Modified" date at the top of this policy
• Email notification to registered users for significant changes
• Notice on our website or in our application
• Updated cookie consent banner when necessary

12.2 Continued Consent

Your continued use of our website after policy updates constitutes acceptance of the changes, unless the changes require fresh consent under applicable law.

13. Legal Compliance and Your Rights

13.1 Canadian Privacy Law (PIPEDA)

Our use of cookies complies with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). You have the right to:

• Know what cookies we use and why
• Withdraw consent for non-essential cookies at any time
• Request information about data collected through cookies
• File a complaint with the Privacy Commissioner of Canada

13.2 European Union (GDPR)

If you are located in the European Economic Area, our cookie practices comply with the General Data Protection Regulation (GDPR). You have additional rights including:

• Right to Access: Request information about cookies and data collected
• Right to Rectification: Correct inaccurate data
• Right to Erasure: Request deletion of cookie data
• Right to Object: Object to processing for marketing purposes
• Right to Data Portability: Receive your data in a structured format
• Right to Lodge a Complaint: File complaints with your local data protection authority

13.3 California Consumer Privacy Act (CCPA)

California residents have specific rights regarding cookies and online tracking:

• Right to Know: What personal information is collected through cookies
• Right to Delete: Request deletion of cookie data
• Right to Opt-Out: Opt out of the "sale" of personal information (Note: We do not sell your information)
• Right to Non-Discrimination: Exercise rights without discriminatory treatment

To exercise these rights, contact us at legal@sonnetmoney.com with "CCPA Cookie Request" in the subject line.

13.4 "Do Not Track" and Global Privacy Control

Do Not Track (DNT): Currently, there is no universal standard for how websites should respond to DNT browser signals. We do not currently respond to DNT signals, but we provide other methods to control cookies as described in this policy.

Global Privacy Control (GPC): We recognize and honor Global Privacy Control signals where required by law. If your browser sends a GPC signal, we will treat it as a request to opt-out of certain data sales or sharing where applicable.

14. Disclaimers and Limitations

14.1 Third-Party Cookie Disclaimer

IMPORTANT: We are not responsible for the privacy practices, content, or actions of third-party services that set cookies through our website (such as Google Analytics, Stripe, or other service providers). These third parties have their own privacy policies and cookie practices, which are beyond our control. We encourage you to review their policies before accepting cookies.

14.2 No Warranty

DISCLAIMER: While we strive to accurately describe our cookie practices in this policy, we provide this information "AS IS" without warranty of any kind, express or implied. We do not warrant that:

• All cookies will function as described in all browsers or devices
• Cookie settings will prevent all tracking or data collection
• Third-party cookies will comply with our policies
• Disabling cookies will not affect third-party tracking through other means

14.3 Limitation of Liability

LIMITATION OF LIABILITY: To the fullest extent permitted by applicable law, Sonnet Money shall not be liable for any damages, losses, or issues arising from:

• Your acceptance or rejection of cookies
• Third-party cookie practices or data collection
• Technical issues related to cookie functionality
• Loss of functionality due to disabled cookies
• Browser or device compatibility issues
• Security vulnerabilities in third-party cookies
• Data breaches or unauthorized access through cookies

This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory, and whether or not we have been informed of the possibility of such damages.

14.4 User Responsibility

You are responsible for:

• Configuring your browser and device cookie settings according to your preferences
• Understanding the consequences of disabling cookies
• Regularly reviewing and updating your cookie preferences
• Protecting your device and browser from unauthorized access
• Reviewing third-party privacy policies for services you use

14.5 Changes in Cookie Technology

Cookie technology and tracking methods evolve rapidly. We reserve the right to adopt new technologies, tracking methods, or privacy-enhancing techniques as they become available. This policy will be updated to reflect such changes.

15. Contact Us About Cookies

15.1 Cookie-Related Inquiries

If you have questions, concerns, or requests related to our use of cookies, please contact us:

15.2 Response Time

We will respond to cookie-related inquiries within 30 days of receipt. For urgent requests related to your privacy rights, please indicate "Urgent" in your subject line.