Cookie Policy
Learn how we use cookies to enhance your experience
1. Introduction
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 (www.ovrfinance.io), mobile applications (iOS and Android apps), and related services including email communications and support portals.
This Policy describes:
- •What these technologies are
- •Why we use them
- •Your rights to control our use of them
- •How to manage your preferences
1.1 Legal Compliance
We comply with cookie and tracking laws including:
3. Why We Use Cookies
3.1 Essential Functionality
- • Maintain secure login sessions
- • Remember your consent preferences
- • Enable core features (payment processing, account management)
- • Prevent fraud and abuse
- • Load balance and optimize performance
3.2 Performance and Analytics
- • Understand how visitors use our website and app
- • Identify popular features and content
- • Detect bugs and errors
- • Measure site speed and performance
- • Optimize user experience
3.3 Personalization
- • Remember your preferences (language, timezone, display settings)
- • Provide personalized financial insights
- • Customize content based on your interactions
- • Save your progress in multi-step processes
3.4 Marketing and Advertising
- • Measure effectiveness of marketing campaigns
- • Display relevant advertisements (with your consent)
- • Prevent showing the same ad repeatedly
- • Understand which channels drive signups
3.5 Security
- • Detect suspicious activity and prevent fraud
- • Verify your identity
- • Secure payment transactions
- • Prevent cross-site request forgery (CSRF)
We do NOT:
- • Sell cookie data to third parties
- • Use cookies to track you across unrelated websites without consent
- • Store sensitive personal information in cookies (passwords, SSNs, financial details)
5. Third-Party Cookies
We work with trusted third-party providers who may set cookies:
| Provider | Purpose | Privacy Policy | Opt-Out |
|---|---|---|---|
| Google Analytics | Website analytics | View | Opt-Out |
| Google Ads | Advertising, conversion tracking | View | Opt-Out |
| Meta (Facebook/Instagram) | Ad measurement, campaign tracking | View | Opt-Out |
| TikTok | Ad measurement | View | Essential |
| Stripe | Payment processing | View | Essential |
| Plaid | Bank account linking | View | Essential |
| Firebase | Authentication, notifications | View | Essential |
Data Processing Agreements
We maintain Data Processing Agreements (DPAs) with third parties that limit their use of data to specified purposes, require GDPR and CCPA compliance, mandate security safeguards, and specify data retention limits.
6. Mobile App Tracking
6.1 iOS App Tracking
Apple App Tracking Transparency (ATT): When you first open our iOS app, you'll see Apple's tracking permission prompt if we use tracking for advertising or data sharing with third parties.
How to manage:
- • iOS: Settings → Privacy & Security → Tracking
- • Turn off tracking for Ovr Finance specifically
- • Reset IDFA: Settings → Privacy & Security → Tracking → Reset Advertising Identifier
In-App Purchase Tracking:
- • We track add-on purchases (AI recalibration, autopay) for fraud prevention and feature optimization
- • Purchase data is linked to your account, not your IDFA
- • We do NOT share purchase data with advertisers or third parties
6.2 Android App Tracking
How to manage:
- • Android 12+: Settings → Privacy → Ads
- • Opt out of personalized ads
- • Delete advertising ID
7. Managing Cookies
7.1 Cookie Consent Banner
When you first visit our website, you'll see a cookie consent banner with options:
Accept All
Consent to all cookies
Reject Non-Essential
Only essential cookies enabled
Customize
Choose which categories to enable
Learn More
Link to this Cookie Policy
7.4 Opt-Out of Advertising Cookies
Industry Opt-Out Tools:
7.5 Consequences of Disabling Cookies
If you disable ALL cookies:
- ❌ Cannot log in or maintain session
- ❌ Cannot complete payment transactions
- ❌ Cannot link bank accounts
- ❌ Settings and preferences not saved
If you disable NON-ESSENTIAL cookies:
- ✅ Full functionality maintained
- ✅ Secure login and payments work
- ⚠️ Analytics data not collected
- ⚠️ Personalized ads disabled
8. Your Privacy Rights
8.1 California Residents (CCPA/CPRA)
- Right to Know: What personal information is collected via cookies
- Right to Opt-Out of Sale/Sharing: We do NOT sell cookie data
- Right to Delete: Request deletion of cookie data
- Do Not Sell My Personal Information: Available in website footer
8.2 EU/EEA Residents (GDPR)
- Consent Requirement: Non-essential cookies require explicit consent
- Right to Withdraw Consent: Change cookie preferences anytime
- Right to Access: Request information about cookie data collected
- Right to Erasure: Request deletion of cookie data
- Right to Lodge Complaint: File complaint with your local supervisory authority
8.3 UK Residents (UK GDPR & PECR)
Same rights as EU residents. Consent required for non-essential cookies (PECR Regulation 6). Right to complain to ICO (Information Commissioner's Office).
9. Do Not Track and Global Privacy Control
9.1 Do Not Track (DNT)
We currently do NOT respond to DNT signals due to no universal standard for DNT implementation. Use our cookie preferences tool for more granular control.
9.2 Global Privacy Control (GPC)
✅ We honor GPC signals for users in California, Colorado, and Connecticut.
If we detect GPC signal, we automatically:
- • Disable non-essential cookies
- • Opt you out of advertising cookies
- • Treat as "Do Not Sell or Share" request
10. Cookie Data Retention
| Cookie Type | Typical Retention | Deletion |
|---|---|---|
| Session Cookies | Until browser closes | Automatic |
| Login Sessions | 30 days or logout | Manual or automatic |
| Consent Preferences | 1 year | Manual or automatic |
| Analytics Cookies | 2 years | Automatic expiration |
| Advertising Cookies | 90 days - 1 year | Automatic expiration |
11. Legal Compliance
11.1 EU ePrivacy Directive
Consent required for non-essential cookies before storage. Clear information about cookies must be provided. Opt-in, not opt-out for non-essential cookies.
11.2 GDPR
Personal data in cookies subject to GDPR. Consent must be freely given, specific, informed, unambiguous. Pre-ticked boxes not valid consent. Consent can be withdrawn easily.
11.4 CCPA/CPRA (California)
Right to opt-out of "sale" or "sharing" for advertising. Right to know what's collected via cookies. Right to delete cookie data. "Do Not Sell or Share My Personal Information" link provided.
12. Policy Updates
We may update this Cookie Policy to reflect changes in cookie usage, new legal requirements, new cookie technologies, or user feedback.
Material Changes:
- • Updated "Last Updated" date
- • Cookie banner notification on next visit
- • Email notification (for significant changes)
- • 30 days' notice before material changes take effect
Continued use after changes = acceptance. Previous versions available upon request at privacy@ovrfinance.io.
13. Contact Us
Cookie Questions
Email: privacy@ovrfinance.io
Subject: "Cookie Policy Inquiry"
Response Time: 5 business days
Privacy Requests
Email: privacy@ovrfinance.io
Response Time: 30 days (45 for complex requests)
Mailing Address
JRM Creative Ventures LLC
Attn: Privacy Officer / Cookie Policy
111 Town Square Pl Ste 1238 PMB 877216
Jersey City, NJ 07310-1810
United States
Cookie Quick Reference
| Category | Can Disable? | Purpose |
|---|---|---|
| Essential | ❌ No | Login, security, payments |
| Analytics | ✅ Yes | Improve website |
| Functionality | ✅ Yes | Remember preferences |
| Advertising | ✅ Yes | Measure ad performance |
| AI/Personalization | ✅ Yes | Enhance recommendations |
Contact: privacy@ovrfinance.io
Last Updated: December 2025 | Next Review Date: April 2026
© 2025 JRM Creative Ventures LLC. All rights reserved. Ovr Finance™ is a trademark of JRM Creative Ventures LLC.