Last Updated: .............. Effective Date: ..............
1. INTRODUCTION
This Cookie Policy explains how .............. ("BiiTrust", "Company", "we", "our", or "us") uses cookies, tracking technologies, software development kits (SDKs), local storage technologies, web beacons, pixels, and similar technologies when you access or use:
- BiiTrust Web Application
- BiiTrust Android Application
- BiiTrust iOS Application
- Mobile portals
- Customer self-service portals
- Branch portals
- APIs
- Websites
- Administrative systems
- Reports and dashboards
- Any related digital services
This Policy should be read together with our:
- Privacy Policy
- Terms and Conditions
- Mobile Application EULA
- Acceptable Use Policy
By continuing to use our Services, you consent to the use of cookies and similar technologies as described in this Policy, except where applicable laws require separate consent.
2. WHAT ARE COOKIES?
Cookies are small text files stored on your browser, device, mobile application, or computer when you access a website or application.
Cookies help systems:
- Identify users
- Remember user preferences
- Maintain login sessions
- Improve security
- Measure performance
- Prevent fraud
- Deliver personalised experiences
Cookies themselves generally do not execute code or access information stored outside their designated scope.
3. WHAT ARE SIMILAR TRACKING TECHNOLOGIES?
In addition to cookies, we may use technologies including:
Local Storage
Information stored directly within web browsers for operational purposes.
Session Storage
Temporary information retained during active browsing sessions.
Pixel Tags
Small invisible images used to measure interactions with emails, notifications, and web pages.
Web Beacons
Technologies used to monitor usage patterns and system performance.
SDKs (Software Development Kits)
Components embedded within mobile applications to support:
- Authentication
- Analytics
- Crash reporting
- Security
- Notifications
Device Identifiers
Identifiers assigned to mobile devices and applications.
Examples include:
- Android Advertising ID
- Apple Identifier for Advertisers (IDFA)
- Device IDs
- Application Instance IDs
4. WHY WE USE COOKIES
We use cookies and similar technologies to:
- Keep users logged in
- Authenticate sessions
- Improve application performance
- Prevent fraudulent activity
- Detect security threats
- Save user preferences
- Measure service performance
- Analyse product usage
- Improve user experience
- Support platform functionality
- Deliver customer support
- Support regulatory compliance
- Manage API access and rate limits
5. TYPES OF COOKIES WE USE
5.1 STRICTLY NECESSARY COOKIES
These cookies are required for operation of the Services.
Without these cookies, certain functionality may not work correctly.
Examples include:
- Login authentication
- Session management
- Security validation
- Load balancing
- User access permissions
- Fraud prevention controls
Examples of information stored:
- Session identifiers
- Authentication tokens
- Security preferences
- Platform permissions
These cookies generally cannot be disabled because they are essential to Service operation.
5.2 SECURITY COOKIES
Security cookies help protect our systems and users.
They may be used to:
- Detect suspicious logins
- Prevent credential stuffing
- Prevent session hijacking
- Monitor unusual behaviour
- Protect administrative functions
- Enforce access controls
Security technologies may analyse:
- Browser characteristics
- Device characteristics
- IP addresses
- Access patterns
- Authentication events
Security cookies are considered necessary for platform protection.
5.3 FUNCTIONAL COOKIES
Functional cookies improve the user experience by remembering choices and preferences.
Examples include:
- Language selection
- Dashboard preferences
- Report preferences
- Theme settings
- Notification settings
- Branch selection preferences
- Last accessed screens
Disabling these cookies may reduce convenience but will not usually prevent access to the Services.
5.4 PERFORMANCE COOKIES
Performance cookies help us measure system performance and platform stability.
They help identify:
- Slow pages
- Performance bottlenecks
- Error rates
- Resource usage
- Infrastructure issues
Performance monitoring assists with maintaining service quality and reliability.
5.5 ANALYTICS COOKIES
Analytics cookies help us understand how users interact with our Services.
We may collect information including:
- Page views
- Feature usage
- User journeys
- Session duration
- Navigation patterns
- Device types
- Geographic regions
Analytics data may be aggregated and anonymised where possible.
Analytics information helps us:
- Improve functionality
- Enhance user experience
- Understand user needs
- Develop new features
- Measure adoption rates
5.6 MOBILE APPLICATION TECHNOLOGIES
The BiiTrust mobile applications may use technologies equivalent to cookies.
Examples include:
- Local application storage
- Push notification tokens
- Device identifiers
- SDK identifiers
- Authentication tokens
These technologies enable:
- Secure login
- Push notifications
- App functionality
- Crash diagnostics
- Security monitoring
5.7 OPERATIONAL COOKIES
Operational cookies assist with:
- System maintenance
- Platform monitoring
- Service recovery
- Error diagnosis
- Infrastructure optimisation
These cookies are critical for enterprise-grade platform reliability.
5.8 FRAUD PREVENTION COOKIES
To protect users and institutions, BiiTrust may use technologies designed to detect:
- Fake accounts
- Fraudulent behaviour
- Multiple account abuse
- Suspicious transactions
- Unauthorized access attempts
- Credential compromise
These technologies contribute to financial security and operational integrity.
5.9 COMPLIANCE COOKIES
Certain cookies may be employed to support:
- Audit logging
- Regulatory obligations
- Anti-Money Laundering controls
- Security investigations
- Legal record keeping
These cookies assist BiiTrust and institutional customers in meeting compliance requirements.
6. THIRD-PARTY COOKIES
Some cookies and tracking technologies may be provided by third-party vendors.
Potential categories include:
Analytics Providers
Examples:
- Google Analytics
- Microsoft Clarity
- Mixpanel
- Amplitude
- ..............
Cloud Providers
Examples:
- Microsoft Azure
- Amazon Web Services
- Google Cloud Platform
- ..............
Security Providers
Examples:
- Web application firewalls
- Bot detection services
- Threat intelligence services
- Security monitoring platforms
Communication Providers
Examples:
- SMS providers
- Email providers
- Notification platforms
Payment Providers
Examples:
- Banks
- Mobile money operators
- Payment gateways
- Collection partners
Third-party providers maintain their own privacy and cookie practices.
We encourage users to review those independently.
7. INFORMATION COLLECTED THROUGH COOKIES
Depending on configuration, cookies may collect:
- Browser information
- Session information
- Device information
- Application information
- Login information
- Platform activity
- User preferences
- Network identifiers
- IP address information
- Approximate location information
We do not intentionally use cookies to collect sensitive personal information unless necessary for service operation and legally permitted.
8. RETENTION OF COOKIE DATA
Cookie retention periods vary depending on purpose.
Examples include:
| Cookie Type | Typical Retention | |------------|----------------| | Session Cookies | Until Browser Closes | | Security Cookies | .............. | | Functional Cookies | .............. | | Analytics Cookies | .............. | | Compliance Cookies | .............. |
Retention periods may vary depending on:
- Legal obligations
- Security requirements
- System configurations
- Regulatory requirements
9. YOUR COOKIE CHOICES
You may control certain cookies using:
- Browser settings
- Device settings
- Operating system controls
- Application permissions
- Consent banners
However, disabling certain cookies may:
- Prevent login
- Affect platform functionality
- Reduce security protections
- Limit service availability
10. MANAGING COOKIES IN COMMON BROWSERS
Users may manage cookie settings through browser controls.
Examples include:
Google Chrome
Settings → Privacy and Security → Cookies and Other Site Data
Microsoft Edge
Settings → Cookies and Site Permissions
Mozilla Firefox
Settings → Privacy & Security
Safari
Preferences → Privacy
Android Browsers
Application Settings → Privacy Controls
iOS Browsers
Settings → Safari → Privacy & Security
Browser interfaces may change over time.
11. MOBILE DEVICE PERMISSIONS
Mobile applications may request permissions that function similarly to cookies.
Examples:
- Notifications
- Camera access
- Storage access
- Biometric authentication
- Location services
Permissions can generally be managed through:
- Android Settings
- iOS Settings
Disabling permissions may impact app functionality.
12. DO NOT TRACK SIGNALS
Some browsers support "Do Not Track" signals.
Because no universal standard currently exists for processing such signals, our response to these settings may vary depending on applicable law, technical limitations, and service requirements.
Where legally required, we will honour applicable privacy preference signals.
13. INTERNATIONAL USERS
Users accessing our Services from different jurisdictions acknowledge that cookie-related information may be transferred, processed, and stored in countries different from their own.
Appropriate safeguards may be implemented where required by law.
14. CHANGES TO THIS COOKIE POLICY
We may update this Cookie Policy from time to time.
Updates may occur due to:
- Legal changes
- Regulatory requirements
- Product updates
- Security requirements
- Technology changes
Updated versions become effective upon publication unless otherwise stated.
Continued use of the Services after publication signifies acknowledgment of the revised Cookie Policy.
15. CONTACT INFORMATION
For questions relating to cookies, tracking technologies, or this Policy, contact:
Data Protection Officer
Name: ..............
Email: ..............
Telephone: ..............
Privacy Team
Email: ..............
Address: ..............
Legal Department
Email: ..............
Address: ..............
Support Team
Website: ..............
Email: ..............
Telephone: ..............