Cookie Policy
Learn how we use cookies to enhance your experience
This Cookie Policy explains how Ovr Finance, a product of JRM Creative Ventures LLC ("Ovr," "we," "our," or "us"), uses cookies and similar technologies to recognize you when you visit our website https://ovrfinance.io ("Site"). It describes what these technologies are, why we use them, and your rights to control our use of them — in compliance with U.S., EU/UK (GDPR), and international data protection laws.
2. Why We Use Cookies
We use cookies and related tracking technologies (e.g., web beacons, pixels, local storage) for the following purposes:
a. Strictly Necessary Cookies
Required for our website and app to function securely and properly.
Examples: login sessions, payment processing via Stripe, account linking through Plaid.
b. Performance & Analytics Cookies
Help us understand how visitors use our Site so we can improve usability and content.
Examples: Google Analytics, Squarespace Analytics.
c. Functionality Cookies
Allow the Site to remember preferences such as language, time zone, or saved login details.
d. Marketing & Advertising Cookies
Used to display personalized ads, measure performance, and analyze engagement.
Examples: Meta Pixel, Google Ads Conversion Tracking.
e. AI & Personalization Cookies
Enhance your experience with Ovr's AI tools — such as saving chat context or personalizing financial insights.
3. Third-Party Cookies
We collaborate with trusted partners who may set cookies through our Site. These include:
4. Managing Cookies
You can control your cookie preferences in several ways:
Consent Banner
When you first visit our Site, a banner will appear allowing you to accept, reject, or customize cookie preferences.
Browser Settings
Most browsers let you delete or block cookies.
Note: If you disable cookies, some parts of the Site may not function properly.
5. Your Privacy Rights
For California Residents (CCPA/CPRA)
Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), you have the right to:
- Know what personal data we collect, use, or share.
- Request deletion of your data.
- Opt out of "sale" or "sharing" of data for advertising purposes.
We do not sell your personal data. However, some third-party services may collect limited data that qualifies as "sharing." You can opt out anytime via our Cookie Preferences banner or by emailing support@ovrfinance.io.
For EU/UK Residents (GDPR)
Under the General Data Protection Regulation (GDPR) and UK GDPR, you have the right to:
- Access, correct, or erase your personal data.
- Withdraw consent at any time.
- File a complaint with your local Data Protection Authority.
Our lawful basis for processing is:
- Necessary cookies: Legitimate interest (for site operation).
- Analytics and marketing cookies: Consent (collected via the cookie banner).
6. Do Not Track (DNT)
Some browsers offer a "Do Not Track" setting. Because no standard exists for interpreting DNT signals, our Site does not currently respond to them.
7. Data Retention
We keep cookie-related data only as long as necessary to fulfill their purpose — typically up to 13 months for analytics and advertising cookies, unless otherwise required by law.
8. Updates to This Policy
We may revise this Cookie Policy to reflect changes in our practices or legal obligations. Any updates will be posted on this page with a new "Effective Date."
9. Contact Us
If you have any questions or concerns about this Cookie Policy or your data rights, please contact:
JRM Creative Ventures LLC (Ovr Finance)
111 Town Square Pl Ste 1238 PMB 877216
Jersey City, NJ 07310-1810, USA
support@ovrfinance.ioIf you are based in the EU or UK, please include "GDPR Inquiry" in your email subject line.