Cookie Policy

HouseholdSure SA

1. Introduction

This Cookie Policy explains how HouseholdSure SA ("we," "us," or "our") uses cookies and similar tracking technologies on our platform ("the Platform").

By using the Platform, you consent to the use of cookies as described in this policy, in accordance with the Protection of Personal Information Act (POPIA) and the Electronic Communications and Transactions Act (ECTA).

2. What Are Cookies?

Cookies are small text files stored on your device (computer, tablet, or mobile phone) when you visit a website. Cookies help websites recognize your device and remember information about your visit.

Types of cookies:

• Session cookies: Temporary cookies deleted when you close your browser
• Persistent cookies: Cookies that remain on your device for a set period or until you delete them
• First-party cookies: Set by HouseholdSure SA
• Third-party cookies: Set by external services we use (e.g., analytics providers)

3. Why We Use Cookies

We use cookies to:

• Enable core functionality: Keep you logged in, remember your preferences
• Improve performance: Monitor application speed and reliability
• Understand usage: Analyze how members use the Platform to improve features
• Enhance security: Detect and prevent fraud, protect against unauthorized access
• Provide support: Troubleshoot issues reported by members

4. Types of Cookies We Use

4.1 Essential Cookies (Strictly Necessary)

These cookies are required for the Platform to function and cannot be disabled.

Cookie Name	Purpose | Duration
session_id	Keeps you logged in	Session
csrf_token	Protects against cross-site request forgery	Session
cookie_consent	Remembers your cookie preferences	1 year

4.2 Performance and Analytics Cookies

These cookies help us understand how members interact with the Platform.

Cookie Name	Provider | Purpose | Duration
_ga	Google Analytics	Analyzes website traffic	2 years
_gid	Google Analytics	Distinguishes users	24 hours
_gat	Google Analytics	Throttles request rate	1 minute

Note: Google Analytics is configured to anonymize IP addresses in compliance with POPIA.

4.3 Functional Cookies

These cookies enhance your experience but are not essential.

Cookie Name	Purpose | Duration
preferred_language	Remembers language preference	1 year
theme_preference	Remembers light/dark mode preference	1 year
timezone	Adjusts times to your timezone	1 year

4.4 Security and Fraud Prevention

These cookies help us detect and prevent security threats.

Cookie Name	Purpose | Duration
device_fingerprint	Identifies suspicious login patterns	90 days
mfa_verified	Remembers trusted devices for MFA	30 days

5. Third-Party Cookies

We use trusted third-party services that may set their own cookies:

5.1 Payment Gateways

When you make a payment, our payment provider (Paystack) may set cookies to process your transaction securely. Paystack has its own privacy and cookie policies.

5.2 Support and Communication

• WhatsApp Business: If you interact with our WhatsApp widget, Meta may set cookies
• Email service providers: May track email opens and clicks (you can opt out)

5.3 Analytics

• Google Analytics: Helps us understand Platform usage (anonymized IP addresses)

6. How to Control Cookies

You have several options to control or limit cookies:

6.1 Browser Settings

Most browsers allow you to:

• View cookies: See which cookies are stored on your device
• Block cookies: Prevent websites from setting cookies
• Delete cookies: Remove cookies already stored
• Block third-party cookies: Allow only first-party cookies

How to manage cookies in popular browsers:

• Chrome: Settings → Privacy and security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Cookies and website data
• Edge: Settings → Cookies and site permissions → Manage and delete cookies

6.2 Platform Cookie Settings

You can manage non-essential cookies in your account settings under Privacy → Cookie Preferences.

6.3 Opt-Out of Analytics

Google Analytics: Install the Google Analytics Opt-out Browser Add-on

6.4 Do Not Track (DNT)

We honor browser Do Not Track (DNT) signals where technically feasible. When DNT is enabled, we:

• Disable analytics cookies
• Limit tracking to essential functions only

Note: Blocking essential cookies may affect Platform functionality (e.g., you may not be able to log in).

7. Mobile App Considerations

If you use the HouseholdSure SA Android app (TWA - Trusted Web Activity):

• The app uses web-based storage, not traditional cookies
• You can clear app data in Android Settings → Apps → HouseholdSure SA → Storage
• Some device identifiers may be used for security and fraud prevention

8. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in:

• The cookies we use
• Legal requirements
• Technology and best practices

We will post the updated policy on the Platform with a new "Last Updated" date. Continued use constitutes acceptance of changes.

9. More Information

For questions about cookies or this policy, contact us:

HouseholdSure SA Email: info@householdsuresa.co.za Phone: 087 265 0015 Hours: Monday–Friday, 08:00–17:00 SAST

For more information about how we use your personal information, see our Privacy Policy.

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Your privacy matters to us. We use cookies responsibly to provide a secure, reliable, and user-friendly platform.