COOKIE POLICY

Similar Technologies include:

• Local Storage: Data stored locally in your browser
• Session Storage: Temporary data stored during your browsing session
• Web Beacons: Small graphic images used to track user behaviours
• Pixels: Code snippets that collect information about your interaction with our Services
• SDKs: Software development kits integrated into mobile applications

3.1 Essential/Strictly Necessary Cookies

These cookies are essential for the basic functionality of our Services and cannot be disabled:

• Authentication: Maintaining your login session
• Security: Preventing fraud and ensuring secure transactions
• Load Balancing: Distributing traffic across our servers
• Form Data: Remembering information you've entered in forms
• Privacy Preferences: Storing your cookie consent choices

3.2 Performance and Analytics Cookies

These cookies help us understand how visitors interact with our Services:

• Usage Analytics: Collecting data on page views, time spent, and user journeys
• Error Monitoring: Identifying and fixing technical issues
• Performance Metrics: Measuring website/app loading times and performance
• A/B Testing: Testing different versions of our Services to improve user experience

3.3 Functional Cookies

These cookies enhance functionality and personalization:

• Language Preferences: Remembering your preferred language
• Location Services: Providing location-based features
• Device Recognition: Recognizing your device for seamless experience
• Personalization: Customizing content based on your preferences
• Chat Support: Enabling customer support chat functionality

3.4 Marketing and Advertising Cookies

These cookies are used for marketing purposes and to show relevant advertisements:

• Targeted Advertising: Displaying personalized ads based on your interests
• Retargeting: Showing ads to users who have previously visited our Services
• Campaign Tracking: Measuring the effectiveness of marketing campaigns
• Social Media Integration: Enabling sharing and social media features
• Conversion Tracking: Tracking loan applications and completions

4.1 Based on Duration

4.2 Based on Origin

5.1 Device Information

• Device model, operating system, and version
• Unique device identifiers (IMEI, Android ID, IDFA)
• Mobile network information
• App usage statistics and crash reports

5.2 Location Data

• GPS coordinates (with your permission)
• IP address-based location
• Cell tower and WiFi network information

5.3 Permissions

Our app may request the following permissions:

• Camera: For document scanning and selfie verification
• Storage: For saving documents and app data
• Contacts: For emergency contact information
• SMS: For OTP verification
• Phone: For identity verification and customer support
• Location: For address verification and fraud prevention

6.1 Browser Settings

You can manage cookies through your browser settings:

6.2 Opt-Out Options

You can opt out of certain cookies:

• Google Analytics: Google Analytics Opt-out
• Facebook Pixel: Adjust ad preferences in your Facebook account settings
• General Advertising: Visit Digital Advertising Alliance or Network Advertising Initiative

6.3 Mobile App Settings

For mobile applications:

• Android: Settings → Apps → Equall → Permissions
• iOS: Settings → Privacy → select permission type → Equall

7.1 Essential Functions Affected

• Inability to log in or maintain session
• Loss of security features
• Form data may not be saved
• Some features may not work properly

7.2 Enhanced Features Affected

• Need to re-enter preferences each visit
• Less personalized experience
• Inability to track loan application progress
• Reduced functionality of customer support tools

8.1 Cookie Retention Periods

• Session Cookies: Deleted when browser session ends
• Persistent Cookies: Retained for periods ranging from 30 days to 2 years
• Analytics Data: Retained for up to 26 months
• Marketing Data: Retained for up to 13 months

8.2 Data Deletion

You can delete cookies at any time through your browser settings. We also provide options to delete your account data upon request.

9.1 Payment Gateways

• Razorpay, PayU, or other payment processors
• These services have their own privacy policies and cookie practices

9.2 Credit Bureau Integration

• CIBIL, Experian, Equifax, CRIF High Mark
• Used for credit scoring and verification

9.3 KYC and Verification Services

• Identity verification providers
• Document verification services
• Video KYC platforms

9.4 Communication Services

• SMS service providers
• Email service providers
• Push notification services