Cookie Policy

Cookies are small text files placed on your device by a website when you visit it. They are widely used to make websites function correctly, improve efficiency, and provide information to website owners.

Cookies may be:

• Session cookies, temporary files deleted when you close your browser
• Persistent cookies, files that remain on your device for a defined period or until you delete them
• First-party cookies, set directly by Klario
• Third-party cookies, set by external services we use (we minimise these significantly)

2.1 Strictly Necessary Cookies

These cookies are essential for the Website to function correctly. They cannot be disabled. They include:

• Authentication tokens, to keep you securely logged in during your session
• Security tokens, to protect against cross-site request forgery (CSRF)
• Load balancing cookies, to distribute traffic efficiently across our servers

2.2 Preference Cookies

These cookies remember your settings and personalise your experience. They include:

• Theme preference (light or dark mode)
• Language and regional settings
• Previously dismissed notifications or banners

Preference cookies typically expire after 12 months.

2.3 Analytics Cookies

These cookies help us understand how visitors interact with our Website so we can improve it. We use privacy-first analytics tools that do not share your individual data with third parties and do not build advertising profiles.

Data collected includes:

• Pages visited and time spent on each page
• Entry and exit points
• Browser type and device category
• General geographic region (country level only)

You may opt out of analytics cookies at any time through our cookie preference centre.

2.4 Performance Cookies

These cookies help us monitor the technical performance of the Website, including:

• Page load times and errors
• Feature usage rates
• Crash and diagnostic reports

Klario does not:

• Use advertising or retargeting cookies
• Allow third-party advertisers to place cookies on our Website
• Sell cookie data or behavioural profiles to any third party
• Track your activity across other websites you visit after leaving klario.finance

4.1 Cookie Preference Centre

You can manage your non-essential cookie preferences at any time by clicking "Cookie Settings" in the footer of our Website.

4.2 Browser Settings

You can also control cookies through your browser settings. Most browsers allow you to:

• View cookies currently stored on your device
• Delete individual or all cookies
• Block cookies from specific websites
• Block all third-party cookies

Please note that disabling strictly necessary cookies will affect the functionality of the Website and may prevent you from accessing certain features.

Browser-specific guidance is available at:

• Chrome: support.google.com/chrome
• Firefox: support.mozilla.org
• Safari: support.apple.com
• Edge: support.microsoft.com

4.3 Opt-Out of Analytics

To opt out of analytics tracking specifically, you may also enable "Do Not Track" in your browser settings. We honour this signal.

The Klario mobile application does not use browser cookies. The app uses secure, encrypted local storage and device-level tokens to maintain your session and preferences. These are governed by our Privacy Policy rather than this Cookie Policy.

We may update this Cookie Policy from time to time to reflect changes in the cookies we use or for operational, legal, or regulatory reasons.

The date at the top of this page indicates when the Policy was last updated. We encourage you to review this page periodically.

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

Klario Finance

Powered by Raavon Limited (RC-9537604)

Email: privacy@klario.finance

Website: klario.finance

Parent Company: www.raavon.com

We aim to respond to all enquiries within 5 business days.