This Cookie Policy explains how BPB Financial Services Private Limited (formerly Bhuraro Fintech Private Limited) uses cookies and similar tracking technologies on the Loan4Bank website, PWA and mobile apps (collectively, the “Platform”). Read it alongside our Privacy Policy.
1. What are cookies?
Cookies are small text files stored on your device by your browser. They are used to remember your actions and preferences (like sign-in) over a period of time. Similar technologies include local storage, session storage and pixel tags — we treat all of them collectively as “cookies” in this Policy.
2. Categories of cookies we use
- Essential (Strictly Necessary) — required for the Platform to function (login, security, CSRF protection). Cannot be disabled.
- Functional — remember your language / display preferences. Disabling these will require you to re-select preferences each visit.
- Analytics — help us understand aggregate usage so we can improve the Platform. Fully opt-in and only enabled after your explicit consent on first visit.
- Marketing — currently not deployed. If we ever enable them, we shall obtain fresh, explicit consent before doing so.
3. Cookies we currently place
| Name | Purpose | Type | Duration |
|---|---|---|---|
| l4b_session | Authenticated session identifier (JWT). Required for signed-in flows across Customer, Franchise, DSA and Admin portals. | Essential (first-party) | 7 days |
| cf_bm | Bot-management token issued by our edge / CDN to distinguish humans from automated traffic. | Essential (third-party) | 30 minutes |
| csrf_token | Anti-CSRF token attached to state-changing form submissions. | Essential (first-party) | Session |
| l4b_prefs | Stores your language / theme preferences. | Functional (first-party) | 180 days |
| _ga / _gid | Google Analytics — only enabled if you opt-in to analytics on first visit. Aggregated, non-identifying. | Analytics (third-party, opt-in) | 24 months / 24 hours |
4. Managing your cookies
Most browsers allow you to view, delete or block cookies from specific sites. Popular quick-links: Chrome, Firefox, Safari, Edge. Blocking essential cookies will impact login functionality.
5. Do-Not-Track
We honour browser Do-Not-Track (DNT) signals: if your browser sends DNT, we treat this as a withdrawal of consent for analytics and marketing cookies.
6. Third-party services
We use a small number of third-party services (edge CDN for bot protection, optional Google Analytics). Their cookies are governed by their own privacy policies. We do not permit third-party ad networks on the Platform.
7. Updates to this Policy
We update this Policy when the cookies we use change. Material changes will be notified via in-app banner. The “Last updated” date at the top always reflects the current version.
8. Questions?
E-mail our Grievance Officer at support@loan4bank.com or call +91 89496 31537.