1. Cookie Policy of Talu Cards Limited

Welcome to Talu Card Limited (TaluCard). As we are in development phase, this Cookie Policy applies universally to all digital platforms and services offered by TaluCard, including our website, mobile and web-based applications and our range of services in partnership by Blukite Finance. Our use of cookies extends across all these platforms to ensure a seamless and efficient user experience.

Cookies are small text files stored on your device (be it a computer, mobile phone, tablet, or any other device) when you interact with our digital services. They play a crucial role in enhancing website functionality, enabling ease of navigation, and ensuring the efficiency of our web and mobile applications. Additionally, cookies assist us in gathering insights about the usage patterns and preferences of our users, allowing us to tailor our services and content more effectively.

By engaging with any of TaluCard's services or platforms, you agree to the use of cookies as described in this policy. We provide detailed information on the types of cookies we use, their specific purposes, and guidance on how you can manage or remove them, ensuring you have control over your privacy and data.

2. Types and Purposes of Cookies Used at TaluCard

At TaluCard, our use of cookies is designed to enhance and streamline your experience on our website and applications. Here, we detail the types of cookies we use, their specific functions, and the impact of disabling them:

2.1 Necessary Cookies:

2.2 Performance Cookies:

2.3 Functionality Cookies:

2.4 Targeting/Advertising Cookies:

Please be aware that disabling cookies, particularly Necessary and Functionality cookies, may significantly affect your user experience and the efficiency of the services we offer.

3. Accessibility & Cookies: Supporting Users with Disabilities and the Ageing Community

At TaluCard, we are committed to ensuring that our digital platforms are accessible and user-friendly for everyone, including people living with disabilities and members of the ageing community. Cookies play a vital role in this commitment by enabling us to optimise our website and applications to suit the diverse needs of all our users.

We encourage users to enable cookies that support these accessibility functions. However, we also understand the importance of choice and control over personal data. If you choose to disable certain types of cookies, we strive to maintain as much of the accessibility functionality as possible, but some personalisation features may be affected.

TaluCard is dedicated to ongoing improvement in accessibility and inclusivity, and we welcome feedback from our users to help us in this endeavour.

3.1 Accessibility Support via Chatbot

To further support our commitment to accessibility and user assistance, TaluCard is pleased to introduce a chatbot feature on our cookie policy page. This feature is designed to provide real-time support and clarification regarding our cookie policy, especially beneficial for users who might have specific questions or need additional guidance.

We believe that this chatbot feature will make understanding and navigating our cookie policy more accessible and straightforward, aligning with our goal to create an inclusive digital environment for all our users.

4. Cookie Duration

At TaluCard, we use different types of cookies, each with its own duration on your device. Understanding these durations helps you better manage your data and privacy preferences:

4.1 Session Cookies:

These cookies are temporary and are designed to last only while your browser is open. They are automatically deleted once you close your browser. Session cookies are typically used to maintain your session as you navigate through our website or app, ensuring a consistent and seamless experience.

4.2 Persistent Cookies:

Unlike session cookies, persistent cookies remain on your device for a pre-defined period, even after you close your browser. The duration of these cookies can vary depending on their purpose but is usually set to a standard timeframe that best serves the intended functionality. For example:

4.3 Cookie Renewal:

It is important to note that the duration of cookies can be reset. For instance, every time you visit our website or use our app, some persistent cookies may renew, extending their lifespan from that point.

4.4 User Control:

You have control over cookie management on your device. Most web browsers allow you to view, manage, and delete cookies. Remember, deleting or blocking certain types of cookies, especially necessary and functionality cookies, might affect your user experience on our platforms.

At TaluCard, we regularly review and update our cookie practices to ensure they align with best practices and regulatory requirements, keeping the privacy and preferences of our users at the forefront.

5. Third-Party Cookies

In addition to the cookies that we set directly (first-party cookies), TaluCard also utilises certain third-party cookies on our website and applications. These cookies are set by external companies or services, and their purposes vary from enhancing user experience to providing us with valuable insights or advertising content. Here is an overview of how these third-party cookies operate and their purpose:

Please be aware that if you choose to block or disable third-party cookies, it may impact certain features and functionalities provided by external services on our platforms.

TaluCard is committed to ensuring transparency in the use of third-party cookies and we encourage users to review the privacy policies of these third-party services for more detailed information.

6. User Consent and Accessibility Assistance

At TaluCard, we are dedicated to making our cookie consent process both legally compliant and accessible to all users, including those with disabilities and the ageing community.

6.1 Consent Mechanism:

Our website and applications feature a cookie consent banner or pop-up upon your first visit. This tool informs you about our cookie usage and allows you to give explicit consent for different cookie categories (Necessary, Performance, Functionality, Targeting/Advertising), along with the option to customise your preferences.

6.2 Accessibility in Consent Process:

6.3 Managing Preferences:

You have complete control over your cookie preferences and can modify them anytime. Detailed instructions are provided in the consent banner and our cookie settings tool.

6.4 Consent Records and Updates:

We maintain a record of your preferences and periodically prompt you to review and confirm your settings to ensure they remain current.

TaluCard's commitment to accessibility is reflected in our user-centric approach to cookie consent. By integrating features like the EA icon, we ensure that our cookie consent process is accessible and easy to navigate for all our users.

7. How to Control and Delete Cookies

At TaluCard, we believe in empowering you to manage your data privacy. You have the ability to control and delete cookies through your web browser settings. Here’s how you can do this in some of the most commonly used browsers:

7.1 Google Chrome:

7.2 Mozilla Firefox:

7.3 Safari (for Mac):

7.4 Microsoft Edge:

7.5 Mobile Devices:

Please note that if you choose to block or delete cookies, it might affect the functionality of our website and the services we offer. Some preferences and settings might be lost, and you may need to re-enter information that was previously stored in cookies.

For more detailed guidance, we recommend referring to the 'Help' section of your browser or visiting the browser's official website.

8. Policy Updates

At TaluCard, we are committed to staying up to date with the latest data protection practices and legal requirements. To reflect this commitment, our cookie policy may be updated periodically.

8.1 Update Frequency:

We review our cookie policy annually to ensure it aligns with any new legal requirements, technological advancements, and best practices in data privacy and protection. Additionally, we may perform more frequent reviews and updates as necessary, especially in response to significant changes in legislation or our own data processing activities.

8.2 Notification of Changes:

Whenever we make changes to our cookie policy, we will take steps to ensure you are informed:

8.3 Version and Date:

Each update to our cookie policy will include the version number and the date of the most recent revision, so you can easily track any changes made.

8.4 Ongoing Accessibility:

We are committed to ensuring that notifications of policy updates are accessible to all users, including those with disabilities or those part of the ageing community. Notifications will be compatible with screen readers and other assistive technologies, and presented in clear, easy-to-understand language.

We encourage you to review our cookie policy periodically to stay informed about how we use cookies and protect your data. Your continued use of our website and services after any changes indicates your acceptance of these updates.

9. Policy Updates

We at TaluCard value open communication with our users. If you have any questions, concerns, or need further clarification about our cookie policy, please feel free to contact us. Our team is ready to assist you with any inquiries you may have.

We encourage you to reach out with any feedback or inquiries regarding our cookie usage. Your input is valuable to us and helps in enhancing our services and policies.

10. Legal Compliance and Framework

TaluCard is committed to upholding the highest standards of data privacy and protection, ensuring our cookie policy and practices comply with all applicable laws and regulations. This includes adherence to major data protection regulations such as the General Data Protection Regulation (GDPR) and the ePrivacy Directive, among other regional laws.

TaluCard’s dedication to legal compliance in data privacy is unwavering. For any concerns or inquiries regarding our compliance with data protection laws, please feel free to contact us. We are committed to addressing all queries and ensuring our users’ data is handled responsibly and in line with all legal standards.

Closing Statement

Thank you for taking the time to understand our Cookie Policy at TaluCard. We are deeply committed to respecting your privacy and ensuring the highest standards of data protection. Our use of cookies is designed to enhance your experience on our platforms, always keeping in mind the importance of your privacy and the trust you place in us.

We encourage you to revisit this policy periodically for any updates, as we continually strive to improve our practices and maintain transparency. Your continued use of our website and services signifies your understanding and acceptance of this policy.

If you have any questions, concerns, or feedback about this policy or how we handle your data, please do not hesitate to contact us. We value your opinions and are always here to assist you.