Cookie Policy

This Cookie Policy explains what cookies are, how we use them at Smart Allowance (Mesada Inteligente), and how you can manage them. This policy complements our Privacy Policy and Terms of Use.

1. What Are Cookies?

Cookies are small text files stored on your device (computer, smartphone, tablet) when you visit a website. They allow the website to recognize your device and remember information about your visit, such as your preferences and previous actions.

Cookies can be:

• Session Cookies: Temporary; deleted when you close your browser.
• Persistent Cookies: Remain on your device for a set period or until you delete them.
• First-party Cookies: Set by Smart Allowance.
• Third-party Cookies: Set by other domains (e.g., Google Analytics).

2. How We Use Cookies

Smart Allowance uses cookies to improve your experience and ensure the platform works properly. We categorize our cookies as follows:

2.1. Strictly Necessary Cookies

These cookies are essential for the platform to function and cannot be disabled. They include:

Cookie Name	Purpose	Duration
token	Stores the JWT authentication token to keep you signed in to the platform	Session or until logout
user	Stores basic information about the signed-in user (name, email, role)	Session or until logout
cookieConsent	Records your cookie consent preferences	365 days

Legal Basis: Strictly necessary for the service you asked for, so no consent is required — Article 7, IX and Article 10 of the LGPD, and the exemption in Article 5(3) of the ePrivacy Directive for the EEA and UK.

2.2. Preference Cookies

These cookies store your preferences and personalized settings:

Cookie Name	Purpose	Duration
theme	Stores your theme preference (light/dark)	365 days
language	Stores your language preference	365 days

Legal Basis: Your consent. Under the GDPR and the ePrivacy Directive, cookies that are not strictly necessary require consent before they are set — legitimate interest is not enough. Under the LGPD we rely on legitimate interest (Article 10). You can withdraw consent at any time through the cookie banner.

2.3. Analytics Cookies (Public Pages Only)

We use analytics cookies EXCLUSIVELY on public pages (landing page, sign-up page, and login) to understand how visitors interact with the site and to improve our services.

Provider	Cookies	Purpose	Duration
Google Analytics	_ga, _gid, _gat	Analyze site traffic, understand visitor behavior, improve marketing	2 years (_ga), 24 hours (_gid), 1 minute (_gat)

Legal Basis: Consent (Article 7, I, LGPD) — you can accept or refuse these cookies through the cookie banner.

Data Collected: IP address (anonymized), pages visited, time spent, traffic source, device type, and browser.

More information: Google Privacy Policy

3. Cookies We Do NOT Use

Smart Allowance does NOT use:

• ❌ Marketing or Advertising Cookies
• ❌ Social Media Cookies in authenticated areas
• ❌ Behavioral Tracking Cookies
• ❌ Ad Personalization Cookies

4. How to Manage Cookies

4.1. Consent Banner

When you visit Smart Allowance for the first time, we display a cookie banner that allows you to:

• Accept All: Consent to all types of cookies.
• Reject Non-Essential: Allow only strictly necessary cookies.
• Cookie Settings: Choose which categories of cookies to accept.

4.2. Browser Settings

You can manage or delete cookies through your browser settings:

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

Please note: Disabling essential cookies may affect the platform's functionality, preventing login and access to features.

4.3. Third-Party Tools

To opt out of Google Analytics cookies:

• Google Analytics Opt-out Browser Add-on

5. Updating Your Preferences

You can change your cookie preferences at any time by:

• Deleting cookies from your browser
• Accessing the consent banner again (it will reappear if you delete the consent cookie)
• Contacting us at: contact@smartallowance.app

6. Cookies and Personal Data

Some cookies may collect personal data (such as your IP address). The processing of this data is described in our Privacy Policy and complies with the Brazilian General Data Protection Law (LGPD — Law No. 13,709/2018).

You have the following rights regarding your data collected via cookies:

• Confirmation that processing takes place
• Access to the data
• Correction of incomplete, inaccurate, or outdated data
• Anonymization, blocking, or deletion
• Revocation of consent

7. Changes to this Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our cookie practices, technologies, or legal requirements.

Significant changes will be communicated through an in-platform notification or by email. The date of the last update is indicated at the top of this page.

8. Governing Law

This Cookie Policy is governed by the following Brazilian laws:

• The Brazilian General Data Protection Law (LGPD — Lei Geral de Proteção de Dados, Law No. 13,709/2018)
• The Brazilian Internet Civil Framework (Marco Civil da Internet, Law No. 12,965/2014)
• The Brazilian Consumer Protection Code (Código de Defesa do Consumidor, Law No. 8,078/1990)

9. Contact

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Last updated: August 22, 2026
Version 1.0