Cookie Policy

Effective Date: October 1, 2025
Last Updated: October 1, 2025

1. Introduction

Transfer Charges ("we," "our," "us") uses cookies and similar tracking technologies on www.transfercharges.com (the "Service"). This Cookie Policy explains what cookies are, how we use them, and how you can manage them.

2. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and improve your experience.

Types of Storage We Use:

• Cookies: Small text files
• Local Storage: Browser-based storage
• Session Storage: Temporary browser storage
• Pixels/Beacons: Invisible tracking images

3. Categories of Cookies We Use

3.1 Essential Cookies (Always Active)

Purpose: Required for basic website functionality

Examples:

• Session management
• Security tokens
• Load balancing
• User preferences (theme, language)

Retention: Session or up to 1 year
Can be disabled: No (website will not function properly)

3.2 Analytics Cookies

Purpose: Understand how visitors use our website
Provider: Google Analytics

Data Collected:

• Page views and navigation paths
• Time spent on pages
• Browser and device information
• Geographic location (country/city level)
• Traffic sources

Specific Cookies:

• _ga: Distinguishes unique users (2 years)
• _gid: Distinguishes unique users (24 hours)
• _gat: Limits request rate (1 minute)
• _ga_*: Maintains session state (2 years)

Retention: Up to 26 months
Can be disabled: Yes

3.3 Advertising Cookies (Future Implementation)

Purpose: Display relevant ads and measure ad effectiveness
Potential Providers: Google AdSense, other ad networks

Data Collected:

• Ad interactions
• Conversion tracking
• Interest categories
• Remarketing data

Retention: Varies by provider (typically 30-390 days)
Can be disabled: Yes

3.4 Functional Cookies

Purpose: Enhanced functionality and personalization

Examples:

• Saved calculations
• Comparison preferences
• Display settings

Retention: 30 days to 1 year
Can be disabled: Yes (reduced functionality)

4. Third-Party Cookies

We use services that may set their own cookies:

Google Analytics

• Purpose: Website analytics
• Privacy Policy: https://policies.google.com/privacy
• Opt-out: https://tools.google.com/dlpage/gaoptout

Future Advertising Partners

• Will be disclosed when implemented
• Will require separate consent
• Will include opt-out mechanisms

5. How to Manage Cookies

5.1 Through Our Cookie Banner

When you first visit our site, you can:

• Accept all cookies
• Accept only essential cookies
• Customize your preferences
• Access this policy for more information

5.2 Through Browser Settings

Most browsers allow you to:

• View existing cookies
• Delete cookies
• Block all or third-party cookies
• Set cookie preferences per website

Browser Help Pages:

• Chrome: chrome://settings/cookies
• Firefox: about:preferences#privacy
• Safari: Preferences > Privacy
• Edge: edge://settings/privacy
• Opera: opera://settings/privacy

5.3 Through Privacy Settings

Access our Privacy Settings (footer link) to update preferences anytime.

5.4 Mobile App Controls

• iOS: Settings > Privacy > Tracking
• Android: Settings > Google > Ads

6. Impact of Disabling Cookies

Essential Cookies

• Cannot be disabled
• Required for basic functionality

Analytics Cookies

• No impact on core functionality
• We lose insights to improve service

Advertising Cookies

• No personalized ads
• May see irrelevant advertisements

Functional Cookies

• Lost preferences and settings
• Need to reconfigure on each visit

7. Cookie List

8. Updates to Cookies

We may add new cookies as we:

• Implement new features
• Add third-party services
• Improve analytics
• Begin advertising

Significant changes will require renewed consent.

9. Do Not Track (DNT)

Our website does not respond to browser DNT signals. However, you can control tracking through:

• Our cookie preferences
• Browser settings
• Third-party opt-outs

10. Global Privacy Control (GPC)

We respect GPC signals where legally required. When detected, we:

• Limit data sharing
• Disable non-essential cookies
• Apply privacy preferences

11. Children's Privacy

Our Service is not directed to children under 13. We do not knowingly use cookies to collect data from children.

12. International Users

European Users (GDPR)

• Explicit consent required for non-essential cookies
• Right to withdraw consent anytime
• Data processed under legitimate interest or consent

California Users (CCPA)

• Right to opt-out of "sale" of personal information
• We do not sell personal information
• Cookies used for analytics and advertising only

13. Contact Information

For cookie-related questions:

Email: privacy@transfercharges.com
Website: www.transfercharges.com/contact
Data Protection Officer: dpo@transfercharges.com

14. Changes to This Policy

We may update this Cookie Policy to reflect:

• New cookies or technologies
• Legal requirements
• Service changes

Updates will be posted here with a new "Last Updated" date.

Your Privacy Choice: To manage your cookie preferences, click the "Privacy Settings" link in our website footer or adjust your browser settings.