Last Updated: May 4, 2025
IMPORTANT NOTICE
This Cookie Policy explains how Pencive LLC uses cookies and similar tracking technologies. Please read this policy carefully to understand how we collect and process data about your online activity.
This Cookie Policy explains how Pencive LLC ("Pencive," "we," "us," or "our") uses cookies and similar tracking technologies when you visit our website, use our application, or interact with our services (collectively, the "Service"). This policy provides detailed information about what cookies are, why we use them, the types of cookies we use, and how you can control your cookie preferences.
When you first visit our website, you will see a cookie consent banner. This banner gives you the option to:
You can change your cookie preferences at any time by clearing your browser cookies and revisiting our site, which will prompt the cookie consent banner to reappear.
Cookies are small text files that are stored on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and provide information to the website owners. Cookies are essential for certain features and functionalities of modern websites.
Cookies can be classified in several ways:
Web beacons (also known as pixel tags or clear GIFs) are tiny, transparent images that are placed on websites or in emails. They help track user engagement by collecting information when users view a page or email containing these technologies.
Local storage (including HTML5 local storage and localStorage) allows websites to store data on your device in a way that's similar to cookies but can offer larger storage capacity and additional features.
Fingerprinting techniques create a unique identifier based on your browser configuration, installed plugins, time zone, language, and other settings to recognize your device without relying on cookies.
We use cookies and similar technologies for various purposes, including:
These cookies are essential for the operation of our Service and enable you to navigate and use its features. Without these cookies, our Service would not function properly. They are typically only set in response to actions you take, such as setting privacy preferences, logging in, or filling out forms.
Examples of Strictly Necessary Cookies:
| Cookie Name | Purpose | Duration |
|---|---|---|
| auth_session | Maintains your login session | Session |
| xsrf-token | Helps prevent cross-site request forgery attacks | Session |
| cookie_consent | Stores your cookie consent preferences | 1 year |
These cookies collect information about how you use our Service, such as which pages you visit most often, if you encounter any error messages, and how you navigate through our Service. This data helps us improve the performance of our Service and enhance user experience.
Examples of Performance and Analytics Cookies:
| Cookie Name | Purpose | Duration |
|---|---|---|
| _ga | Used by Google Analytics to distinguish users | 2 years |
| _gid | Used by Google Analytics to distinguish users | 24 hours |
| _gat | Used by Google Analytics to throttle request rate | 1 minute |
These cookies enable our Service to remember choices you make (such as your username, language preference, or region) and provide enhanced, personalized features. They may also be used to remember changes you have made to customizable parts of our Service.
Examples of Functionality Cookies:
| Cookie Name | Purpose | Duration |
|---|---|---|
| user_preferences | Stores user preferences like theme and dashboard layout | 1 year |
| language | Remembers your language preference | 1 year |
| recently_viewed | Tracks recently viewed accounts or reports | 30 days |
These cookies are used to deliver advertisements more relevant to you and your interests, limit the number of times you see an advertisement, and help measure the effectiveness of advertising campaigns. They remember that you have visited a website and this information may be shared with other organizations, such as advertisers.
Examples of Targeting and Advertising Cookies:
| Cookie Name | Purpose | Duration |
|---|---|---|
| _fbp | Used by Facebook to deliver advertisements | 3 months |
| _gcl_au | Used by Google AdSense for experimenting with advertisement efficiency | 3 months |
We may allow third-party services to use cookies and similar technologies through our Service. These third parties may collect information about your online activities over time and across different websites when you use our Service.
We use analytics services, such as Google Analytics, to help us understand how users engage with our Service. These services may use cookies, web beacons, and other tracking technologies to collect and analyze information about your use of our Service.
You can learn more about how Google Analytics collects and processes data by visiting: https://policies.google.com/technologies/partner-sites
Our Service uses Plaid to connect to your financial institutions. Plaid may use cookies or similar technologies to maintain secure connections and facilitate data retrieval from financial institutions. For more information about how Plaid handles data, please review their Privacy Policy.
We may partner with third-party advertising companies to manage and deliver ads on our behalf across the internet and in applications. These companies may use cookies and similar technologies to collect information about your interactions with our Service and other websites. This information may be used to, among other things, deliver advertising targeted to your interests and understand the effectiveness of our advertising.
Our Service may include integrations with social media platforms, such as Facebook, Twitter, and LinkedIn. These platforms may set cookies when you use their features (such as social sharing buttons) even if you don't click on them. These cookies are controlled by the respective social media platforms, and we encourage you to review their cookie policies.
When you first visit our Service, you will be presented with a cookie banner that allows you to accept or decline non-essential cookies. You can change your preferences at any time by clicking on the "Cookie Preferences" link in the footer of our website.
Most web browsers allow you to manage your cookie preferences through their settings. You can typically:
Please note that if you choose to block or delete cookies, you may not be able to access certain areas or features of our Service, and some functionality may be impaired.
Here are links to instructions for managing cookies in common browsers:
Many analytics providers offer opt-out mechanisms:
You can opt out of interest-based advertising through the following industry tools:
Some browsers have a "Do Not Track" feature that signals to websites that you visit that you do not want to have your online activity tracked. Due to the lack of a common interpretation of Do Not Track signals across the industry, we currently do not respond to Do Not Track browser signals or mechanisms. We will continue to monitor developments around this technology.
We support and honor the Global Privacy Control (GPC) signal. When we detect that your browser has enabled GPC:
You can enable GPC by using a supported browser or browser extension. Learn more about Global Privacy Control at globalprivacycontrol.org.
Cookies and similar technologies may collect personal data (such as your IP address, device identifiers, or browsing patterns) as defined in our Privacy Policy. When this occurs, we process such data in accordance with our Privacy Policy.
In some cases, we may combine information collected through cookies and similar technologies with other personal information we have about you to create a more personalized experience and improve our Service.
The information collected through cookies and similar technologies may be transferred to and processed in countries other than the one in which you reside. These countries may have data protection laws that are different from those in your country.
By using our Service, you consent to the transfer of your information to countries outside your country of residence, including the United States, where we are headquartered. We take appropriate measures to ensure that your personal information remains protected in accordance with this Cookie Policy and applicable law.
Our Service is not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child under the age of 18, we will take steps to delete the information as soon as possible.
We may update this Cookie Policy from time to time to reflect changes in technology, regulation, or our business practices. Any changes will become effective when we post the revised Cookie Policy on our Service. We encourage you to periodically review this page for the latest information on our cookie practices.
If we make material changes to this Cookie Policy, we will notify you by email or by means of a notice on our Service prior to the changes becoming effective.
If you are located in the European Union or the United Kingdom, our legal basis for collecting and using your personal information through cookies depends on the specific cookies involved:
You have the right to withdraw your consent at any time by adjusting your cookie preferences as described in Section 5 of this Cookie Policy.
If you have any questions about our use of cookies or this Cookie Policy, please contact us at:
Email: