Cookies Policy

1. INTRODUCTION

This Cookies Policy (“Policy”) explains how PROSPER PROFESSIONAL DEVELOPMENT LIFE PRIVATE LIMITED (“PROSPER”, “Company”, “We”, “Us”, or “Our”) uses cookies, web beacons, pixels, software development kits (SDKs), local storage objects, device identifiers, and similar tracking technologies while operating its website, mobile applications, APIs, and associated digital platforms (collectively referred to as the “Platform”).

PROSPER PROFESSIONAL DEVELOPMENT LIFE PRIVATE LIMITED is a technology-enabled B2B financial services company engaged in providing digital payment services, merchant onboarding solutions, UPI services, BBPS services, AEPS services, Micro ATM services, wallet services, loan facilitation services, payment collection services, and various value-added financial services through its authorized network of agents, distributors, retailers, merchants, and business partners across India.

We recognize that privacy, security, transparency, and user control are essential principles of responsible data processing. This Cookies Policy explains:

• What cookies and similar technologies are;
• Why PROSPER uses cookies and tracking technologies;
• What categories of cookies are used;
• How cookie information is collected, processed, stored, and protected;
• How users can manage or withdraw cookie consent;
• How third-party cookies are used;
• The rights available to users regarding cookie-based data processing.

This Policy should be read together with our Privacy Policy, Terms and Conditions, Grievance Redressal Policy, and other applicable policies published by PROSPER.

By accessing, browsing, installing, or using the Platform, you acknowledge that you have read and understood this Cookies Policy and consent to the use of cookies and similar technologies as described herein.

2. SCOPE AND APPLICABILITY

This Policy applies to:

• Users accessing the PROSPER website;
• Users of PROSPER mobile applications;
• Merchants using PROSPER platforms;
• Agents and distributors associated with PROSPER;
• Business partners utilizing PROSPER services;
• Visitors accessing any digital interface operated by PROSPER.

This Policy governs the collection, storage, processing, and management of cookie-related information in both website and mobile application environments.

3. WHAT ARE COOKIES?

Cookies are small text files or data packets stored on a user’s browser, device, or application environment when visiting a website or using a digital platform. Cookies enable websites and applications to:

• Recognize returning users;
• Maintain secure sessions;
• Remember user preferences;
• Improve performance;
• Detect fraud;
• Analyze user behavior;
• Enhance user experience.

Cookies may be temporary (“Session Cookies”) or persistent (“Persistent Cookies”).

In addition to cookies, PROSPER may use:

• Web Beacons;
• Pixel Tags;
• Device Fingerprinting;
• SDKs;
• Local Storage Technologies;
• Session Storage;
• Authentication Tokens;
• Analytics Identifiers.

4. TYPES OF COOKIES USED BY PROSPER

PROSPER uses the following categories of cookies:

5. PURPOSE OF USING COOKIES

PROSPER uses cookies for lawful business purposes, including:

• Providing secure financial services;
• Maintaining user sessions;
• Preventing fraud;
• Complying with regulatory obligations;
• Improving website functionality;
• Enhancing user experience;
• Monitoring system performance;
• Personalizing content;
• Conducting analytics;
• Supporting customer service;
• Ensuring cyber security;
• Maintaining audit trails.

6. THIRD-PARTY COOKIES AND TRACKING TECHNOLOGIES

PROSPER may engage authorized third-party service providers for:

• Analytics services;
• Cloud infrastructure;
• Fraud monitoring;
• Customer support;
• Payment processing;
• Security monitoring.

Examples may include:

• Google Analytics;
• Firebase;
• Razorpay;
• AWS;
• Microsoft Azure;
• Payment gateways;
• Security monitoring providers.

All third-party service providers are subject to:

• Confidentiality agreements;
• Data processing agreements;
• Information security requirements;
• Applicable legal obligations.

7. USER CONSENT AND COOKIE PREFERENCES

When users first access the Platform, PROSPER displays a Cookie Consent Banner that allows users to:

• Accept all cookies;
• Reject non-essential cookies;
• Customize cookie preferences;
• Review cookie categories.

Users may withdraw or modify consent at any time.

8. MANAGING OR DISABLING COOKIES

Users can manage cookies through:

• Browser settings;
• Mobile device settings;
• In-app cookie preferences;
• PROSPER Cookie Preference Center.

Disabling certain cookies may affect:

• Login functionality;
• Payment processing;
• Session continuity;
• Security features;
• User preferences.

9. RETENTION OF COOKIE DATA

PROSPER retains cookie data only for the period necessary to fulfill legitimate business and regulatory purposes.

10. DATA SHARING AND PROTECTION

PROSPER does not sell, rent, or trade cookie information.

Cookie-related data may be shared only with:

• Authorized service providers;
• Payment partners;
• Security vendors;
• Regulatory authorities;
• Law enforcement agencies where legally required.

All data transfers are protected using:

• TLS 1.2+ encryption;
• AES-256 encryption;
• Multi-factor authentication;
• Role-based access controls.

11. USER RIGHTS

Under applicable laws, including the Digital Personal Data Protection Act, 2023, users have the right to:

• Access cookie-related personal information;
• Withdraw consent;
• Request correction;
• Request deletion;
• Restrict processing;
• File grievances;
• Seek regulatory remedies.

12. DATA LOCALIZATION

PROSPER stores cookie and analytics data on servers located in India and complies with applicable data localization requirements under Indian law.

13. POLICY UPDATES

PROSPER reserves the right to amend this Policy periodically due to:

• Regulatory changes;
• Technology changes;
• Business requirements;
• Security requirements.

Users shall be notified of material changes.

14. GRIEVANCE REDRESSAL