Cookie Policy

1. What Are Cookies?

1.1 Definition

Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.

1.2 How Cookies Work

When you visit Flipzi:

1. Your browser requests a webpage
2. Our server sends the webpage along with a cookie
3. Your browser stores the cookie on your device
4. When you return, the cookie is sent back to our server
5. This allows us to "remember" you and your preferences

1.3 Cookie Components

Cookies typically contain:

• Name: Identifier for the cookie
• Value: Data stored in the cookie
• Domain: Which website set the cookie
• Expiration: When the cookie will be deleted
• Secure flag: Whether it requires HTTPS

2. Why We Use Cookies

2.1 Essential Functionality

• Keep you logged in to your account
• Remember your session as you navigate
• Maintain security and prevent fraud
• Enable core features to work properly

2.2 Performance & Analytics

• Understand how visitors use our website
• Identify which features and pages are most popular
• Improve user experience based on aggregated usage patterns
• Fix bugs and technical issues

2.3 Personalization

• Remember your preferences (language, currency settings)
• Store your display settings
• Provide a customized experience

3. Types of Cookies We Use

3.1 Essential Cookies (Strictly Necessary)

Purpose: Required for the website to function properly

Can You Opt Out? No - disabling these will break functionality

Duration: Session or up to 30 days

Legal Basis: Legitimate interest (necessary for service delivery)

3.2 Performance & Analytics Cookies

Purpose: Help us understand how flipzi.io is used to improve performance and usability

Can You Opt Out? Yes - see Section 5 below

Duration: 24 hours to 2 years

Google Analytics Cookies (Website Only)

Data Collected:

• Pages visited and time spent
• Device type (mobile, desktop, tablet)
• Browser type and version
• Operating system
• Approximate location (city/country level)
• Referral source (how you found us)
• Screen resolution

Data NOT Collected:

• Your email or name
• Your password
• Your watchlist or portfolio details
• Precise GPS location
• Personal identification

Provider: Google LLC
Privacy Policy: https://policies.google.com/privacy
Opt-Out: https://tools.google.com/dlpage/gaoptout

Microsoft Clarity Cookies (Website Only)

Data Collected:

• Session recordings (anonymized)
• Heatmaps (where users click/scroll)
• User journey through website
• Form interactions (not form content)

Data NOT Collected:

• Passwords or payment information
• Email addresses entered in forms
• Sensitive personal data

Provider: Microsoft Corporation
Privacy Policy: https://privacy.microsoft.com/
Opt-Out: Browser "Do Not Track" setting

Legal Basis: Consent (you can opt out)

3.3 Functional Cookies

Purpose: Remember your choices to provide enhanced features

Can You Opt Out? Yes (may affect experience)

Duration: 6-12 months

Legal Basis: Consent (optional, improves experience)

3.4 Mobile App Identifiers (Not Cookies)

The Flipzi mobile app does not use traditional browser cookies. For essential functionality, it may use limited identifiers:

Firebase Cloud Messaging (Push Notifications)

• Purpose: Deliver push notifications for price alerts
• Data: Device push token, app instance identifier
• Opt-Out: iOS Settings > Notifications > Flipzi, or Android Settings > Apps > Flipzi

Crash Reporting / Diagnostics

• Purpose: Identify crashes and improve app stability
• Scope: App-only diagnostics; does not track you across other companies' apps or websites
• Respects: Mobile OS privacy settings

Legal Basis: Legitimate interest (service functionality) and consent (notifications)

3.5 Cookies We Do NOT Use

We do NOT currently use:

Advertising Cookies

• No retargeting or remarketing pixels
• No third-party ad networks
• No behavioral advertising tracking

Social Media Cookies

• No Facebook Pixel
• No Twitter/X tracking
• No LinkedIn Insights
• No social sharing cookies

Cross-Site Tracking

• No following you across websites
• No browser fingerprinting for ads
• No data broker integrations

4. First-Party vs Third-Party Cookies

4.1 First-Party Cookies

Set by: Flipzi (flipzi.io domain)

Purpose: Essential functionality and preferences

Examples:

• Session management
• Login authentication
• User preferences

Control: You manage these via browser settings

4.2 Third-Party Cookies

Set by: External services (Google, Microsoft)

Purpose: Analytics and performance measurement on flipzi.io

Examples:

• Google Analytics measurement cookies
• Microsoft Clarity cookies for session replay/heatmaps

Control: You manage these via:

• Browser settings
• Opt-out tools (see Section 5)
• Privacy extensions

4.3 Our Policy on Third Parties

We only use third-party cookies from:

• Trusted providers with strong privacy policies
• Analytics purposes (not advertising)
• Services that support opt-out

We do NOT allow third parties to:

• Use cookies for their own independent purposes
• Sell data collected from our users
• Create advertising profiles based on Flipzi data

5. How to Manage Cookies

You have several options to control cookies:

5.1 Browser Settings

Google Chrome

1. Click menu (⋮) > Settings
2. Privacy and security > Cookies and other site data
3. Choose: "Block all cookies" or "Block third-party cookies"
4. Or click "See all cookies and site data" to delete specific ones

Safari (Mac/iOS)

1. Safari > Preferences > Privacy
2. Choose "Block all cookies" or manage individually
3. iOS: Settings > Safari > Block All Cookies

Firefox

1. Menu > Settings > Privacy & Security
2. Under "Cookies and Site Data," choose blocking options
3. Click "Manage Data" to delete specific cookies

Microsoft Edge

1. Menu (…) > Settings > Cookies and site permissions
2. Manage and delete cookies
3. Choose blocking preferences

5.2 Opt-Out of Specific Services

Google Analytics:

• Install browser add-on: https://tools.google.com/dlpage/gaoptout
• Available for Chrome, Firefox, Safari, Edge, Opera

Microsoft Clarity:

• Enable "Do Not Track" in your browser settings
• Clarity may respect DNT signals depending on configuration

Mobile App Diagnostics:

• iOS: Settings > Privacy & Security > Analytics & Improvements
• Android: Settings > Privacy (options vary by device)

5.3 Privacy Browser Extensions

These extensions can block analytics cookies:

• uBlock Origin (ad and tracker blocking)
• Privacy Badger (by Electronic Frontier Foundation)
• Ghostery (tracker blocking)
• Cookie AutoDelete (automatic cookie removal)

Note: These may interfere with flipzi.io functionality.

6. Cookie Lifespan & Expiration

6.1 How Long Cookies Last

6.2 Automatic Deletion

Cookies are automatically deleted when:

• You close your browser (session cookies)
• The expiration date is reached
• You clear your browser data
• You delete the Flipzi app (mobile)

6.3 Manual Deletion

You can manually delete cookies anytime via:

• Browser settings (see Section 5.1)
• Privacy extensions
• "Clear browsing data" options

Effect of deleting cookies:

• You'll be logged out of flipzi.io
• Your preferences will reset
• We won't remember your device
• You may see the cookie banner again

7. Do Not Track (DNT) Signals

7.1 What is Do Not Track?

"Do Not Track" is a browser setting that requests websites not track your activity. It's available in most browsers:

• Chrome: Settings > Privacy > Send "Do Not Track" request
• Firefox: Privacy > Enhanced Tracking Protection > Strict
• Safari: Privacy > Website tracking > Prevent cross-site tracking

7.2 Flipzi's DNT Response

Current Status:

• We do not use cross-site tracking regardless of DNT
• Some analytics providers may not honor DNT by default; you can use the opt-out tools in Section 5.2

8. Children's Privacy & Cookies

8.1 Age Requirement

Flipzi requires users to be at least 13 years old. We do not knowingly collect data from children under 13 via cookies or any other means.

8.2 Parental Controls

Parents can:

• Use browser parental controls to block third-party cookies
• Review cookies on devices used by minors
• Contact us to delete any data collected from minors

8.3 If We Discover Under-Age Use

If we learn cookies were set for a user under 13:

• We delete all cookies associated with that user
• We delete all associated data
• We terminate the account

9. Updates to This Cookie Policy

9.1 When We Update

We may update this Cookie Policy when:

• We add or remove cookies
• We integrate new third-party services
• Cookie regulations change
• User feedback requires clarification

9.2 Notification of Changes

We will notify you of material changes via:

• Email to registered users
• Banner notification on website
• In-app notification (mobile)
• Updated "Last Updated" date at top of policy

9.3 Review Recommendations

We recommend reviewing this Cookie Policy:

• When you see an update notification
• Annually as a privacy best practice
• Before changing your cookie preferences

10. International Users & Cookies

10.1 European Union (EU) Users

GDPR Compliance:

• We comply with EU Cookie Directive (ePrivacy Directive)
• We obtain consent for non-essential cookies
• You can withdraw consent anytime
• We respect GDPR data subject rights

Data Storage:

• Cookies stored on your device (your location)
• Cookie data processed on EU servers (Germany)
• Third-party analytics providers (Google, Microsoft) may process data globally

10.2 UK Users

UK GDPR & PECR:

• We comply with UK Privacy and Electronic Communications Regulations (PECR)
• Same cookie controls as EU users
• Data processed in compliance with UK GDPR

10.3 California Users (CCPA)

CCPA does not mandate cookie banners, but we provide transparency:

• We do not sell personal information collected via cookies
• You can opt out of analytics cookies
• You have right to know what cookies collect

11. Cookies & Your Privacy Rights

11.1 Right to Information

You have the right to know:

• What cookies are being set
• Why we use each cookie
• How long cookies last
• Who has access to cookie data

This Cookie Policy provides that transparency.

11.2 Right to Object

You can object to non-essential cookies:

• Block in browser settings
• Use opt-out tools (Section 5)

11.3 Right to Withdraw Consent

You can withdraw cookie consent anytime:

• Delete cookies manually
• Block future cookies in browser

Effect: Non-essential cookies will no longer be set.

11.4 Right to Data Access

You can request information about data collected via cookies:

• Email [email protected] with "Cookie Data Request"
• We'll provide analytics data associated with your account (if applicable)

11.5 Right to Deletion

You can request deletion of cookie data:

• Clear cookies manually in browser
• Request deletion of website analytics data (email [email protected])

12. Contact & Complaints

Cookie Data Requests

To request information about cookies we've set:

• Email: [email protected]
• Subject: "Cookie Data Request"
• Include: Your account email, specific concerns
• Response Time: Within 30 days (GDPR compliance)

Complaints & Data Protection Authorities

If you're unhappy with our cookie practices:

Step 1: Contact Us First

• Email [email protected] to resolve concerns
• We're committed to addressing issues

Step 2: File Official Complaint

• Bulgarian Authority: Commission for Personal Data Protection (CPDP)
  • Website: https://www.cpdp.bg/
  • Email: [email protected]
• EU Residents: Your local data protection authority
• UK Residents: Information Commissioner's Office (ICO)