Cookie Policy
Refynne - Personal Finance Management App
Effective Date: December 9, 2025
Last Updated: December 9, 2025
Website: https://refynne.com
Developer: BPS Dynamic (bpsdynamic.com)
1. Introduction
This Cookie Policy explains how BPS Dynamic ("we," "our," or "us") uses cookies and similar technologies on our website (https://refynne.com). This policy should be read alongside our Privacy Policy.
Note: The Refynne mobile application does not use cookies. This policy applies only to our website.
2. What Are Cookies?
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and improve your browsing experience.
Types of Storage Technologies
| Technology | Description |
|---|---|
| Cookies | Small text files stored in your browser |
| Local Storage | Browser storage that persists until cleared |
| Session Storage | Browser storage that clears when you close the tab |
| Pixels/Beacons | Tiny images that track page views and interactions |
3. How We Use Cookies
3.1 Essential Cookies (Required)
These cookies are necessary for the website to function properly. They cannot be disabled.
| Cookie Name | Purpose | Duration |
|---|---|---|
session_id | Maintains your session | Session |
csrf_token | Security protection | Session |
cookie_consent | Remembers your cookie preferences | 1 year |
3.2 Functional Cookies (Optional)
These cookies remember your preferences to enhance your experience.
| Cookie Name | Purpose | Duration |
|---|---|---|
language | Remembers your language preference | 1 year |
theme | Remembers dark/light mode preference | 1 year |
region | Remembers your region for localized content | 1 year |
3.3 Analytics Cookies (Optional)
These cookies help us understand how visitors use our website.
| Cookie Name | Provider | Purpose | Duration |
|---|---|---|---|
_ga | Google Analytics | Distinguishes users | 2 years |
_gid | Google Analytics | Distinguishes users | 24 hours |
_gat | Google Analytics | Throttles request rate | 1 minute |
3.4 Marketing Cookies (Optional)
We currently do not use marketing or advertising cookies. If this changes, we will update this policy and request your consent.
4. Cookie Consent
4.1 How We Obtain Consent
When you first visit our website, you'll see a cookie consent banner. You can:
- Accept All: Enable all cookies
- Reject All: Enable only essential cookies
- Customize: Choose which cookie categories to enable
4.2 Changing Your Preferences
You can change your cookie preferences at any time by:
- Clicking the "Cookie Settings" link in our website footer
- Clearing your browser cookies and revisiting the site
- Using your browser's cookie management settings
5. Managing Cookies
5.1 Browser Settings
You can control cookies through your browser settings:
| Browser | Instructions |
|---|---|
| Chrome | Settings → Privacy and Security → Cookies |
| Firefox | Settings → Privacy & Security → Cookies |
| Safari | Preferences → Privacy → Cookies |
| Edge | Settings → Privacy → Cookies |
5.2 Opt-Out Links
For analytics cookies, you can opt out directly:
- Google Analytics: https://tools.google.com/dlpage/gaoptout
5.3 Impact of Disabling Cookies
If you disable cookies:
- Essential cookies: Website may not function properly
- Functional cookies: Preferences won't be remembered
- Analytics cookies: No impact on functionality
6. Third-Party Cookies
We may use services that set their own cookies:
| Service | Purpose | Privacy Policy |
|---|---|---|
| Google Analytics | Website analytics | https://policies.google.com/privacy |
We do not control third-party cookies. Please review their privacy policies for more information.
7. Do Not Track
Some browsers have a "Do Not Track" (DNT) feature. We currently do not respond to DNT signals, but we respect your cookie preferences set through our consent banner.
8. Region-Specific Information
8.1 European Union (GDPR)
Under GDPR, we:
- Obtain explicit consent before setting non-essential cookies
- Provide clear information about each cookie's purpose
- Allow you to withdraw consent at any time
- Do not use cookie walls (blocking content until consent is given)
8.2 United Kingdom
UK cookie law mirrors GDPR requirements. The same consent mechanisms apply.
8.3 South Africa (POPIA)
Under POPIA, we:
- Inform you about cookies and their purposes
- Obtain consent for non-essential cookies
- Allow you to manage your preferences
8.4 California (CCPA)
Under CCPA, you have the right to:
- Know what cookies are used
- Opt out of sale of personal information (we do not sell data)
- Request deletion of cookie data
8.5 Brazil (LGPD)
Under LGPD, we:
- Obtain consent for non-essential cookies
- Provide clear information about data processing
- Allow you to revoke consent at any time
9. Updates to This Policy
We may update this Cookie Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date.
10. Contact Us
If you have questions about our use of cookies:
BPS Dynamic
Email: privacy@refynne.com
Website: https://refynne.com/contact
© 2025 BPS Dynamic. All rights reserved.