Cookie Policy

Last Updated: January 29, 2026

This Cookie Policy explains how BRIO COMMERCE INC. ("we," "us," or "our") uses cookies and similar tracking technologies on the ExpenseBRIO App. In alignment with the Personal Information Protection and Electronic Documents Act (PIPEDA), we are committed to being transparent about how we collect and process your data through cookies and related technologies.

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website or use an application. They serve multiple purposes, from maintaining your login session to helping us understand how you use our services.

Cookies can be categorized as:

• Session Cookies: Temporary cookies that expire when you close your browser. They enable essential features like maintaining your login session.
• Persistent Cookies: Remain on your device for a set period or until you manually delete them. They remember your preferences across visits.
• First-Party Cookies: Set directly by ExpenseBRIO App to provide core functionality and improve your experience.
• Third-Party Cookies: Set by external services we use (like analytics providers) to help us understand usage patterns.

2. Why We Use Cookies

We use cookies and similar technologies for several critical purposes that enhance your experience and protect your financial data:

2.1 Essential Security and Functionality

• Secure Authentication: Maintain your encrypted login session and verify your identity
• Fraud Prevention: Detect and prevent unauthorized access and suspicious activity
• CSRF Protection: Guard against cross-site request forgery attacks
• Session Management: Ensure seamless navigation between pages without repeated logins

2.2 Performance and Analytics

• Usage Analysis: Understand how users interact with our app to identify improvement opportunities
• Error Detection: Identify and resolve technical issues quickly
• Load Optimization: Ensure our servers can handle traffic efficiently during peak hours
• Feature Effectiveness: Measure which features provide the most value to users

2.3 Personalization and User Experience

• Preference Storage: Remember your language, dashboard layout, and notification settings
• Customized Insights: Provide financial recommendations tailored to your spending patterns
• Saved Settings: Maintain your chosen categories, budgets, and savings goals

3. Types of Cookies We Use

3.1 Strictly Necessary Cookies

These cookies are essential for ExpenseBRIO App to function properly. Without them, you cannot log in or access your account. They cannot be disabled without severely impacting the service.

Cookie Name	Purpose	Duration
exp_session_id	Maintains your encrypted login session and authentication status	Session
csrf_token	Protects against cross-site request forgery (CSRF) attacks	Session
exp_consent_store	Stores your cookie consent preferences to comply with PIPEDA	1 Year
security_token	Validates secure API requests between client and server	Session

3.2 Performance and Analytical Cookies

These cookies help us measure site performance, understand user behavior patterns, and identify areas for improvement. All data collected is aggregated and anonymized.

Cookie Name	Purpose	Duration
_ga	Google Analytics - Distinguishes unique users (anonymized data)	2 Years
_gid	Google Analytics - Distinguishes users within 24-hour period	24 Hours
analytics_session	Tracks user interactions and feature usage within the app	30 Days

Note: You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.

3.3 Functional Cookies

These cookies enable personalized features and remember your preferences to provide an enhanced, customized experience.

Cookie Name	Purpose	Duration
user_preferences	Stores your app settings, notification preferences, and customization	1 Year
language	Remembers your selected language preference	1 Year
dashboard_layout	Saves your customized dashboard widget arrangement	6 Months

4. Third-Party Cookies and Services

We carefully select third-party service providers that may set their own cookies on your device. Each partner is contractually bound to maintain PIPEDA-level security and privacy standards.

4.1 Google Analytics

We use Google Analytics to understand aggregate user behavior and improve our services. Google Analytics collects anonymized data about:

• Page views and session duration
• Geographic location (country/city level only)
• Device type and browser information
• Navigation paths and feature usage

Google Analytics data is anonymized and cannot identify individual users. For more information, review Google's Privacy Policy.

4.2 Payment Processors

When you subscribe to premium features, our PCI-compliant payment processors (such as Stripe) may set cookies to:

• Facilitate secure payment transactions
• Prevent fraudulent activity
• Remember your payment preferences (with your consent)

We do not have control over third-party payment processor cookies. Please review their respective privacy policies for details.

4.3 Security and Fraud Prevention

We use specialized security services that may employ cookies to:

• Detect and prevent bot attacks
• Identify suspicious login patterns
• Protect against distributed denial-of-service (DDoS) attacks

5. Browser Local Storage

In addition to cookies, ExpenseBRIO App uses browser local storage technology to store certain data directly on your device. This includes:

• Cookie Consent Status: Your acceptance or rejection of optional cookies
• Temporary Session Data: Cached information to improve page load times
• Offline Capabilities: Limited data to enable basic functionality when temporarily offline
• Performance Cache: Static resources (images, scripts) to speed up subsequent visits

Local storage data persists until you clear it through your browser settings or until ExpenseBRIO App explicitly removes it. Unlike cookies, local storage data is not automatically transmitted to our servers with every request.

6. Managing Your Cookie Preferences

6.1 Cookie Consent Banner

When you first visit ExpenseBRIO App, you'll see a cookie consent banner explaining our use of cookies. By clicking "I Accept," you consent to all cookies described in this policy. Your consent preference is stored to prevent the banner from reappearing on subsequent visits.

6.2 Browser-Level Cookie Controls

Most modern web browsers provide built-in tools to manage cookies. You can:

• View all cookies stored by ExpenseBRIO App
• Delete existing cookies individually or all at once
• Block all cookies (not recommended for ExpenseBRIO App)
• Block only third-party cookies
• Set up notifications when new cookies are placed

How to manage cookies in popular browsers:

• Google Chrome: Settings → Privacy and Security → Cookies and other site data
• Mozilla Firefox: Settings → Privacy & Security → Cookies and Site Data
• Apple Safari: Preferences → Privacy → Manage Website Data
• Microsoft Edge: Settings → Cookies and site permissions → Manage and delete cookies

6.3 Impact of Disabling Cookies

7. Do Not Track (DNT) Signals

Some web browsers offer a "Do Not Track" (DNT) feature that sends a signal to websites requesting not to be tracked. Currently, there is no universal standard for how websites should respond to DNT signals, and different browsers implement DNT differently.

ExpenseBRIO App does not currently respond to DNT browser signals. However, we respect your privacy and offer comprehensive manual cookie management options as described in this policy. We collect only the data necessary to provide and improve our services, and we never sell your personal information.

8. PIPEDA Compliance and Your Rights

In accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Know What Data Is Collected: This policy transparently describes all cookies and tracking technologies we use
• Withdraw Consent: You can disable optional cookies at any time through browser settings
• Request Information: Contact us to learn more about how cookie data is processed
• File a Complaint: If you believe we have violated your privacy rights, you can file a complaint with the Office of the Privacy Commissioner of Canada

9. Changes to This Cookie Policy

We may update this Cookie Policy periodically to reflect changes in our practices, technologies, or legal requirements. Significant changes will be communicated through:

• Email notifications to registered users
• Prominent notices on our website and app
• Updates to the "Last Updated" date at the top of this policy

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies. Continued use of ExpenseBRIO App after changes indicates your acceptance of the updated policy.

10. Contact Us

If you have questions about our cookie practices, this Cookie Policy, or your rights under PIPEDA, please contact us: