GDPR & CCPA Compliant

Cookie Policy

Last updated: November 16, 2025

Learn how Chedr uses cookies and similar technologies to enhance your experience and protect your data.

Introduction

Chedr FinanceAI, Inc. ("Chedr," "we," "us," or "our") uses cookies and similar tracking technologies to provide, improve, and protect our services. This Cookie Policy explains what cookies are, how we use them, and how you can manage your preferences.

By using our website and services, you consent to the use of cookies as described in this policy. This policy should be read in conjunction with our Privacy Policy and Terms of Service.

1. What Are Cookies

1.1 Cookie Definition

Cookies are small text files that are placed on your device when you visit our website. They help us provide you with a better experience by remembering your preferences and understanding how you use our services.

1.2 Cookie Types

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period or until you delete them).

1.3 Similar Technologies

In addition to cookies, we may use similar technologies such as web beacons, pixels, and local storage to collect information about your usage of our services.

2. Cookies We Use

2.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as security, authentication, and network management. You cannot opt out of these cookies.

2.2 Analytics Cookies

We use analytics cookies to understand how visitors interact with our website. These cookies help us improve our services by collecting information about page views, session duration, and user navigation patterns.

2.3 Functional Cookies

Functional cookies enable enhanced functionality and personalization, such as remembering your preferences, language settings, and display options.

2.4 Marketing Cookies

Marketing cookies track your online activity to help us deliver more relevant advertising and measure the effectiveness of our marketing campaigns.

3. Why We Use Cookies

3.1 Service Delivery

Cookies enable us to provide our AI-powered financial services, including secure authentication, session management, and personalized recommendations.

3.2 Performance Monitoring

We use cookies to monitor and improve the performance of our website and services, identifying technical issues and optimizing user experience.

3.3 Security

Cookies help us detect and prevent security threats, fraudulent activity, and unauthorized access to your account.

3.4 Personalization

We use cookies to remember your preferences and provide a personalized experience tailored to your financial needs and goals.

5. Third-Party Cookies

5.1 PostHog Analytics

We use PostHog for product analytics and feature tracking. PostHog cookies help us understand user behavior, track feature adoption, and improve our services. You can opt out of PostHog tracking through our cookie settings.

5.2 Stripe Payment Processing

Stripe sets cookies to enable secure payment processing and fraud detection. These cookies are essential for processing subscription payments and are subject to Stripe's privacy policy.

5.3 Plaid Financial Connections

When you connect bank accounts through Plaid, Plaid may set cookies to maintain secure connections and verify your identity. These cookies are governed by Plaid's privacy policy.

5.4 Cloud Infrastructure

Our cloud hosting providers (Vercel, AWS) may set cookies for load balancing, security, and performance optimization. These are strictly necessary for service delivery.

6. Managing Your Cookie Preferences

6.1 Cookie Consent Manager

When you first visit our website, you can choose which categories of cookies to accept through our cookie consent banner. You can change your preferences at any time through the cookie settings panel.

6.2 Browser Settings

Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or alert you when a cookie is being set. Note that disabling cookies may limit your ability to use certain features.

6.3 Opt-Out Options

You can opt out of analytics cookies by using browser extensions like Privacy Badger or uBlock Origin. For targeted advertising, visit the Network Advertising Initiative opt-out page at optout.networkadvertising.org.

6.4 Mobile Devices

On mobile devices, you can manage cookies through your device settings or browser preferences. For iOS, go to Settings > Safari > Block Cookies. For Android, open Chrome and go to Settings > Site Settings > Cookies.

6.5 Do Not Track

We respect Do Not Track (DNT) signals. If you enable DNT in your browser, we will not use analytics or marketing cookies, though essential cookies will still be set for security and functionality.

Detailed Cookie Table

Cookie Name	Category	Duration	Purpose
session_token	Essential	Session	Maintains authenticated session
csrf_token	Essential	30 days	Prevents cross-site request forgery
_ga	Analytics	2 years	Google Analytics user identifier
ph_*	Analytics	1 year	PostHog product analytics
user_preferences	Functional	1 year	Stores user settings
theme_selection	Functional	1 year	Remembers theme preference

Pro Tip

You can manage your cookie preferences at any time by clicking the "Cookie Settings" link in our website footer. Essential cookies cannot be disabled as they are necessary for security and core functionality.

Contact Us

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

Email:privacy@opria.com

Address: 123 Financial District, San Francisco, CA 94105

Phone: +1 (555) 123-4567

Download Cookie Policy

Get a PDF copy of our Cookie Policy for your records

Introduction

By using our website and services, you consent to the use of cookies as described in this policy. This policy should be read in conjunction with our Privacy Policy and Terms of Service.

1. What Are Cookies

1.1 Cookie Definition

1.2 Cookie Types

We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period or until you delete them).

1.3 Similar Technologies

In addition to cookies, we may use similar technologies such as web beacons, pixels, and local storage to collect information about your usage of our services.

2. Cookies We Use

2.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as security, authentication, and network management. You cannot opt out of these cookies.

2.2 Analytics Cookies

2.3 Functional Cookies

Functional cookies enable enhanced functionality and personalization, such as remembering your preferences, language settings, and display options.

2.4 Marketing Cookies

Marketing cookies track your online activity to help us deliver more relevant advertising and measure the effectiveness of our marketing campaigns.

3. Why We Use Cookies

3.1 Service Delivery

Cookies enable us to provide our AI-powered financial services, including secure authentication, session management, and personalized recommendations.

3.2 Performance Monitoring

We use cookies to monitor and improve the performance of our website and services, identifying technical issues and optimizing user experience.

3.3 Security

Cookies help us detect and prevent security threats, fraudulent activity, and unauthorized access to your account.

3.4 Personalization

We use cookies to remember your preferences and provide a personalized experience tailored to your financial needs and goals.

5. Third-Party Cookies

5.1 PostHog Analytics

5.2 Stripe Payment Processing

Stripe sets cookies to enable secure payment processing and fraud detection. These cookies are essential for processing subscription payments and are subject to Stripe's privacy policy.

5.3 Plaid Financial Connections

When you connect bank accounts through Plaid, Plaid may set cookies to maintain secure connections and verify your identity. These cookies are governed by Plaid's privacy policy.

5.4 Cloud Infrastructure

Our cloud hosting providers (Vercel, AWS) may set cookies for load balancing, security, and performance optimization. These are strictly necessary for service delivery.

6. Managing Your Cookie Preferences

6.1 Cookie Consent Manager

6.2 Browser Settings

6.3 Opt-Out Options

6.4 Mobile Devices

6.5 Do Not Track

We respect Do Not Track (DNT) signals. If you enable DNT in your browser, we will not use analytics or marketing cookies, though essential cookies will still be set for security and functionality.

Detailed Cookie Table

Cookie Name	Category	Duration	Purpose
session_token	Essential	Session	Maintains authenticated session
csrf_token	Essential	30 days	Prevents cross-site request forgery
_ga	Analytics	2 years	Google Analytics user identifier
ph_*	Analytics	1 year	PostHog product analytics
user_preferences	Functional	1 year	Stores user settings
theme_selection	Functional	1 year	Remembers theme preference

Cookie Policy

Introduction

1. What Are Cookies

1.1 Cookie Definition

1.2 Cookie Types

1.3 Similar Technologies

2. Cookies We Use

2.1 Essential Cookies

2.2 Analytics Cookies

2.3 Functional Cookies

2.4 Marketing Cookies

3. Why We Use Cookies

3.1 Service Delivery

3.2 Performance Monitoring

3.3 Security

3.4 Personalization

4. Cookie Categories

4.1 Strictly Necessary Cookies

4.2 Analytics and Performance

4.3 Functionality Cookies

4.4 Marketing and Advertising

5. Third-Party Cookies

5.1 PostHog Analytics

5.2 Stripe Payment Processing

5.3 Plaid Financial Connections

5.4 Cloud Infrastructure

6. Managing Your Cookie Preferences

6.1 Cookie Consent Manager

6.2 Browser Settings

6.3 Opt-Out Options

6.4 Mobile Devices

6.5 Do Not Track

Detailed Cookie Table

Contact Us

Download Cookie Policy

Cookie Policy

Introduction

1. What Are Cookies

1.1 Cookie Definition

1.2 Cookie Types

1.3 Similar Technologies

2. Cookies We Use

2.1 Essential Cookies

2.2 Analytics Cookies

2.3 Functional Cookies

2.4 Marketing Cookies

3. Why We Use Cookies

3.1 Service Delivery

3.2 Performance Monitoring

3.3 Security

3.4 Personalization

4. Cookie Categories

4.1 Strictly Necessary Cookies

4.2 Analytics and Performance

4.3 Functionality Cookies

4.4 Marketing and Advertising

5. Third-Party Cookies

5.1 PostHog Analytics

5.2 Stripe Payment Processing

5.3 Plaid Financial Connections

5.4 Cloud Infrastructure

6. Managing Your Cookie Preferences

6.1 Cookie Consent Manager

6.2 Browser Settings

6.3 Opt-Out Options

6.4 Mobile Devices

6.5 Do Not Track

Detailed Cookie Table

Contact Us

Download Cookie Policy