1. Introduction to Cookies and Similar Technologies

This Cookie Policy explains how RNFAI ("we," "our," or "us") uses cookies and similar technologies when you visit our website and use our AI-powered risk management platform. This policy should be read in conjunction with our Privacy Policy and Terms of Service.

Cookies are small text files that are placed on your computer, smartphone, or other device when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners about how their site is being used.

We use cookies and similar technologies to enhance your experience on our platform, provide personalized content, analyze usage patterns, ensure security, and deliver our services effectively. By continuing to use our website and platform, you consent to our use of cookies as described in this policy.

This policy covers all cookies and similar technologies used across our platform, including our main website, client portals, mobile applications, and any other digital services we provide.

2. Types of Cookies We Use

We use several different types of cookies to provide and improve our services. Each type serves a specific purpose in delivering our AI-powered risk management platform:

3. Third-Party Cookies and Services

We work with trusted third-party service providers who may set cookies on our behalf to help us deliver our services effectively:

Analytics and Performance Services

• Google Analytics: Provides detailed website and platform usage analytics to help us improve user experience
• Application Performance Monitoring: Third-party tools that monitor platform performance and identify technical issues
• User Experience Analytics: Services that help us understand user behavior and optimize our interface
• Error Reporting Services: Tools that help us identify and resolve technical problems quickly

Security and Infrastructure Services

• Content Delivery Networks (CDN): Services that improve platform performance and security
• DDoS Protection: Security services that protect our platform from malicious attacks
• Bot Detection: Services that identify and block malicious automated traffic
• Fraud Prevention: Tools that help protect against fraudulent access and activities

Communication and Support Services

• Customer Support Platforms: Tools that enable us to provide effective customer support
• Email Service Providers: Services that help us deliver important platform notifications and updates
• Video Conferencing: Platforms used for client consultations and training sessions

Third-Party Privacy Policies: These third-party services have their own privacy policies and cookie practices. We encourage you to review their policies to understand how they handle your information.

4. Cookie Duration and Lifecycle

We use both session cookies and persistent cookies, each serving different purposes and having different lifespans:

Session Cookies

• Temporary Nature: These cookies are automatically deleted when you close your browser or end your session
• Security Purpose: Primarily used for authentication and security during your active session
• Platform Functionality: Enable core platform features while you're actively using our services
• No Long-term Storage: Do not persist on your device after your session ends

Persistent Cookies

• Extended Duration: Remain on your device for a specified period or until manually deleted
• Convenience Features: Remember your preferences and settings between sessions
• Performance Optimization: Help improve platform performance on subsequent visits
• Analytics Purposes: Enable us to analyze usage patterns over time

Typical Retention Periods

• Authentication Cookies: 24 hours to 30 days, depending on security settings
• Preference Cookies: 1 year to 2 years, or until manually cleared
• Analytics Cookies: 2 years, with periodic refresh
• Security Cookies: Session-based or up to 24 hours
• Performance Cookies: 30 days to 1 year

5. Managing Your Cookie Preferences

You have several options for controlling how cookies are used on your device and within our platform:

6. Impact of Disabling Cookies

While you have the right to disable cookies, doing so may significantly affect your experience with our platform:

Functional Impact

• Authentication Issues: You may need to log in repeatedly or experience login difficulties
• Lost Preferences: Your dashboard customizations and preferences will not be saved
• Reduced Functionality: Some platform features may not work properly or at all
• Security Concerns: Certain security features may be compromised
• Performance Issues: The platform may load more slowly or less efficiently

User Experience Impact

• Repetitive Actions: You may need to re-enter information and preferences frequently
• Generic Experience: Personalization features will not function
• Limited Analytics: We may not be able to improve the platform based on usage patterns
• Support Challenges: It may be more difficult to provide technical support

Essential Cookies: Please note that strictly necessary cookies cannot be disabled as they are required for the platform to function securely and properly.

7. Mobile Applications and Device-Specific Technologies

Our mobile applications and device-specific services may use technologies similar to cookies:

Mobile App Technologies

• Local Storage: Store preferences and settings locally on your mobile device
• Device Identifiers: Use device-specific identifiers for analytics and security purposes
• Push Notification Tokens: Store tokens to deliver relevant notifications
• Crash Reporting: Collect anonymous crash data to improve app stability
• Performance Metrics: Monitor app performance and user experience

Managing Mobile Technologies

• App Settings: Control data collection through in-app privacy settings
• Device Settings: Use device-level privacy controls and permissions
• Notification Management: Control push notifications through device settings
• Data Reset: Clear app data and reset preferences through device settings

8. International Data Transfers and Cookie Data

Cookie data may be transferred internationally as part of our global service delivery:

Transfer Safeguards

• Adequacy Decisions: Transfers to countries with adequate data protection standards
• Standard Contractual Clauses: Use of approved contractual protections for international transfers
• Encryption: All cookie data is encrypted during transfer and storage
• Access Controls: Strict controls on who can access cookie data across jurisdictions

Regional Compliance

• GDPR Compliance: Full compliance with European Union cookie and privacy regulations
• CCPA Compliance: Adherence to California Consumer Privacy Act requirements
• PIPEDA Compliance: Compliance with Canadian privacy legislation
• Local Laws: Compliance with applicable local privacy and cookie laws

9. Updates and Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements:

Notification Process

• Policy Updates: Update the "Last updated" date at the top of this policy
• User Notification: Notify users of significant changes through our platform or email
• Advance Notice: Provide reasonable notice before implementing material changes
• Consent Updates: Request renewed consent for changes that affect your rights
• Version Control: Maintain previous versions of the policy for reference

Types of Changes

• New Cookie Types: Addition of new categories of cookies or tracking technologies
• Third-Party Updates: Changes to third-party services and their cookie practices
• Legal Updates: Changes required by new laws or regulations
• Technical Updates: Changes due to new technologies or platform improvements

Continued Use: Your continued use of our platform after policy updates constitutes acceptance of the revised Cookie Policy.

10. Contact Information and Cookie Inquiries

If you have questions about our use of cookies, this Cookie Policy, or wish to exercise your rights regarding cookie data, please contact us:

We are committed to addressing your cookie-related concerns promptly and will respond to your inquiries within the timeframes required by applicable law. For urgent privacy matters, please call our main number and request to speak with our Privacy Officer.