Cookie Policy
Effective date: 11 October 2026
This Cookie Policy explains how Fincharta Limited uses cookies and similar technologies. It supplements the Privacy Policy.
What are cookies?
Cookies are small text files that websites store on your device. Some are strictly necessary (without them the site does not work). Others are optional.
How Fincharta uses cookies
We use the minimum cookies needed to operate the service, plus one optional referral cookie that we set only if you agree to it. We deliberately do not use behavioural advertising cookies, cross-site tracking pixels, or marketing analytics cookies.
Strictly necessary cookies
These keep you signed in and protect against fraud. Without them the service cannot function. They do not require consent under UK PECR.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| __session | Clerk | Authentication session | Session |
| __client_uat | Clerk | Authentication state validation | 1 year |
| __cf_bm | Cloudflare (via Clerk) | Bot detection / fraud prevention | 30 minutes |
| sb-access-token | Supabase | Database session token | Session |
| sb-refresh-token | Supabase | Database session refresh | Session |
| fc_consent | Fincharta (first-party, fincharta.com and app.fincharta.com) | Remembers your cookie choice, so we don't ask again | 12 months |
Referral cookie (optional, only with your consent)
Some people come to Fincharta through a partner, such as their accountant, using the partner's link. If you accept "Referral" in our cookie banner, we remember the partner's code so they're credited when you sign up. We set this cookie only after you accept. If you decline or ignore the banner, nothing is stored: the code stays in the link, and you can type it into the "Referral code (optional)" box when you sign up.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| _ref | Fincharta (first-party, app.fincharta.com) | To credit the partner who referred you | 30 days |
Functional cookies
Remember your preferences. Set only after you have signed in.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| fincharta-theme | Fincharta | Light/dark mode | 1 year |
| fincharta-currency | Fincharta | Display currency | 1 year |
Payment cookies
If you visit our pricing page or initiate a subscription, Stripe sets cookies for fraud detection.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
| __stripe_mid | Stripe | Fraud prevention | 1 year |
| __stripe_sid | Stripe | Fraud prevention | 30 minutes |
Analytics — no cookies
We use Plausible Analytics for usage measurement. Plausible is privacy-friendly and does not set cookies. It measures visits without tracking individual users. Our own page counter works the same way: it sets no cookies and stores nothing in your browser.
What we do not use
- Google Analytics, Hotjar, Mixpanel, Amplitude, Segment — none used
- Facebook Pixel, LinkedIn Insight Tag, Twitter pixel, TikTok pixel — none used
- Programmatic advertising cookies — none used
- Cross-site tracking — none used
Your choices
Strictly necessary cookies don't need your consent under UK PECR. The referral cookie is optional: we ask first in the cookie banner and set it only if you accept. You can change your choice at any time with the "Cookie settings" link at the bottom of every page on fincharta.com and in the app's menu. Turning it off removes the referral cookie. Our overall data processing is covered by the Privacy Policy.
You can still:
- Block or delete cookies in your browser settings (may break authentication)
- Use private/incognito browsing
- Use browser-level tracking protection
Changes
We update this policy whenever we add or remove a cookie. The effective date at the top reflects the most recent change.