Cookie Policy

Last updated: August 5, 2026

1. Introduction

This Cookie Policy explains how Jalda Fintech AB (Org.nr. 559482-9276, "Jalda", "we", "our", or "us") uses cookies and similar technologies when you access our website and services.

By using our services, you consent to the use of cookies in accordance with this policy. You can control cookie preferences through your browser settings.

2. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites recognize your device and remember information about your visit.

We use cookies and similar technologies (local storage, session tokens, device fingerprints) to provide and improve our payment services.

3. Types of Cookies We Use

3.1 Strictly Necessary Cookies

These cookies are essential for the operation of our payment services. They cannot be disabled without affecting core functionality.

  • Authentication tokens: To maintain your logged-in session
  • CSRF protection: To prevent cross-site request forgery attacks
  • Transaction state: To track payment flow and prevent duplicate charges
  • Security cookies: To detect and prevent fraud

Duration: Session or up to 30 days

3.2 Security and Fraud Prevention

We use cookies and device fingerprinting to protect against fraud and unauthorized access.

  • Device fingerprints: To detect device changes and prevent account takeover
  • Behavioral analytics: To identify suspicious transaction patterns
  • SIM swap detection: To correlate device and SIM card changes
  • Risk scoring tokens: To apply appropriate authentication requirements

Duration: Up to 90 days

3.3 Performance and Analytics

We collect aggregated data to understand how users interact with our services and identify technical issues.

  • Page views and navigation: To optimize user flows
  • Error tracking: To identify and fix technical problems
  • Performance metrics: To improve page load times
  • API latency monitoring: To ensure fast transaction processing

Duration: Up to 12 months (aggregated data only)

3.4 Functional Cookies

These cookies enhance your experience by remembering your preferences.

  • Language preferences: To display content in your preferred language
  • Currency display: To show amounts in SEK or EUR based on your location
  • UI preferences: To remember dashboard settings

Duration: Up to 12 months

4. Third-Party Cookies

We use select third-party services that may set cookies on your device:

  • AWS Services: For hosting, authentication, and data storage (CloudFront, Cognito, DynamoDB)
  • Security Providers: For device fingerprinting and fraud detection
  • WebAuthn/FIDO2: For biometric authentication (no cookies, uses secure enclave)

We do not use third-party advertising cookies or tracking for marketing purposes.

5. How We Use Cookies

Cookies help us:

  • Authenticate users and maintain secure sessions
  • Process payments and prevent fraud
  • Comply with PSD2 strong customer authentication requirements
  • Detect SIM swap and device changes to protect your account
  • Remember your preferences and settings
  • Analyze aggregated usage patterns to improve services
  • Troubleshoot technical issues

6. Managing Cookies

You can control cookies through your browser settings:

Browser Settings

Most browsers allow you to refuse or accept cookies, delete existing cookies, and set preferences for specific websites. Consult your browser's help documentation for instructions.

Impact on Services

Disabling strictly necessary cookies will prevent you from using Jalda payment services. Disabling functional cookies may reduce convenience but will not block core payment functionality.

Mobile Devices

On mobile devices, you can control tracking through your device's privacy settings (iOS: Settings > Privacy > Tracking; Android: Settings > Google > Ads).

7. Do Not Track Signals

We respect browser Do Not Track (DNT) signals for analytics and functional cookies. However, strictly necessary and security cookies remain active to provide payment services and fraud protection.

8. Data Minimization

In line with GDPR principles, we:

  • Use cookies only when necessary for legitimate purposes
  • Collect minimal data required for each purpose
  • Avoid persistent identifiers where session tokens suffice
  • Anonymize or aggregate data whenever possible
  • Delete cookies and stored data according to retention schedules

9. Cookie Consent

Under EU ePrivacy Directive and GDPR:

  • Strictly necessary cookies do not require consent
  • Functional and analytics cookies require opt-in consent in the EU
  • You can withdraw consent at any time through browser settings
  • Consent preferences are stored locally (not shared with third parties)

10. Updates to This Policy

We may update this Cookie Policy to reflect changes in technology, legal requirements, or our services. The "Last updated" date at the top indicates the most recent revision.

11. Contact Us

For questions about our use of cookies:

Jalda Fintech AB

Organization number: 559482-9276

Stockholm, Sweden

Email: privacy@jalda.io