Cookie Policy

Effective Date: March 25, 2026Last Updated: March 25, 2026Version: 1.3

Our Approach to Cookies

CAIRL uses a minimal number of cookies to keep our service running securely. We believe in a privacy-first approach: essential cookies only by default, optional cookies require your explicit consent, and we never use advertising or tracking cookies.

This Cookie Policy explains what cookies we use, why we use them, and how you can control them. You can manage your cookie preferences at any time using the Cookie Preference Center where available on this page.

What Are Cookies

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, keep you logged in, and provide security features. Some cookies are strictly necessary for the site to function; others are optional.

Cookies We Use

Essential Cookies (Always Active)

These cookies are required for the Service to function. They cannot be disabled without breaking core functionality. Essential cookies are processed under legitimate interest as they are strictly necessary to provide the Service.

CookiePurposeDurationProvider
Session cookieKeeps you logged in and maintains your authenticated sessionSession (expires when browser closes) or up to 30 days if "remember me" is selectedCAIRL (Auth.js)
CSRF tokenProtects against cross-site request forgery attacksSessionCAIRL (Auth.js)
Cookie consentRemembers your cookie preferences so we don't ask repeatedly1 yearCAIRL
Cloudflare TurnstileDistinguishes real users from automated traffic during verification flows. Collects browser and device signals for bot protection.SessionCloudflare

Functional Cookies (Optional — Require Your Consent)

These cookies improve your experience but are not strictly necessary. They are only set after you provide consent.

CookiePurposeDurationProvider
Theme preferenceRemembers your light/dark mode selection1 yearCAIRL
Locale preferenceRemembers your language selection1 yearCAIRL

Analytics Cookies (Optional — Require Your Consent)

These cookies help us understand how visitors use our site so we can improve the experience. Analytics cookies are disabled by default and only activated with your explicit consent.

CookiePurposeDurationProvider
None currently activeWe do not currently use any analytics cookies. If we add analytics in the future, they will appear here and will require your consent before activation.

We do not use Google Analytics, Facebook Pixel, or any third-party behavioral tracking tools. If we introduce analytics in the future, we will update this policy and require fresh consent through the Cookie Preference Center.

Third-Party Cookies

Some of our service providers may set cookies when you interact with their features:

CookiePurposeDurationProvider
StripeFraud prevention and payment security during checkoutVariesStripe
PlaidSession management during bank account linkingSessionPlaid

These third-party cookies are subject to the respective provider's cookie and privacy policies. They are only active when you engage with payment or banking features. These providers may process data as independent controllers and may transfer data internationally. Their use of cookies is governed by their respective privacy and cookie policies.

Cookies We Never Use

  • Advertising cookies — We do not serve ads and do not use cookies for ad targeting. Ever.
  • Cross-site tracking cookies — We do not track your activity across other websites or services.
  • Fingerprinting — We do not use fingerprinting techniques for advertising or cross-site tracking. Security providers (such as bot protection services) may process device and browser signals solely for fraud prevention.

How to Control Cookies

Cookie Preference Center

CAIRL provides a Cookie Preference Center where available on this page, allowing you to manage optional cookie categories. When available, you can:

  • View every cookie active on your device, organized by category
  • See the purpose, provider, and duration of each cookie
  • Toggle optional cookie categories on or off at any time
  • Review your current consent status

Your preferences are saved immediately and apply to all future page loads. You can return to this page at any time to change your settings.

Essential cookies cannot be disabled because the Service cannot function without them. All other cookie categories default to off and are only activated after you provide explicit consent. Consent is collected in a freely given, specific, informed, and unambiguous manner in accordance with applicable data protection laws.

Through Your Browser

Most browsers also allow you to block or delete cookies through their settings. Be aware that blocking essential cookies may prevent you from using the Service. Common browser cookie settings:

  • Chrome: Settings → Privacy and Security → Cookies
  • Firefox: Settings → Privacy & Security → Cookies
  • Safari: Preferences → Privacy → Manage Website Data
  • Edge: Settings → Privacy, Search, and Services → Cookies

Cookie Consent Banner

When you first visit CAIRL, a consent banner will ask you to accept or configure cookies. You can:

  • Accept essential only — Only strictly necessary cookies will be set (default)
  • Manage preferences — Opens the Cookie Preference Center on this page
  • Accept all — Enables all cookie categories

You can change your preferences at any time by returning to this page.

Updates to This Policy

We may update this Cookie Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top of this page. If we introduce new cookie categories or change how existing cookies work, we will reset your consent preferences and require fresh consent through the Cookie Preference Center. Material changes to cookie practices will also be reflected in our Privacy Policy.

Contact

If you have questions about our use of cookies, contact us: