Effective Date: April 1, 2026

Last Updated: April 1, 2026

This Cookie Policy explains how Eazr Digipayments Private Limited and its affiliates, subsidiaries, and controlled entities operating under the EAZR brand (“EAZR,” “we,” “our,” or “us”) use cookies and similar technologies on our websites, applications, communications, and digital services, including Hibiscus and related product experiences (collectively, the “Services”).

This Cookie Policy should be read together with our Privacy Policy and Terms of Service.

By continuing to use the Services, you acknowledge that cookies and similar technologies may be used as described in this Cookie Policy, subject to your settings and choices where applicable.

1. What are cookies?

Cookies are small text files that are placed on your browser, device, or system when you visit a website or use certain online services. They help websites and digital products function, remember preferences, understand usage patterns, maintain security, and improve performance.

We may also use similar technologies such as:

• pixels;

• web beacons;

• tags;

• SDKs;

• local storage;

• session storage;

• device identifiers;

• server-side logging mechanisms.

For simplicity, this Cookie Policy refers to these collectively as “cookies” unless the context requires otherwise.

2. Why we use cookies

We use cookies for legitimate operational, security, performance, analytics, and experience-related purposes, including to:

• keep the website and product functioning properly;

• maintain sessions and authentication state;

• remember your settings and preferences;

• improve performance and reliability;

• understand how users interact with our Services;

• measure traffic, flows, and feature usage;

• support fraud detection, abuse prevention, and security monitoring;

• help troubleshoot bugs and errors;

• improve product design, navigation, and content;

• measure the effectiveness of communications and campaigns;

• support premium financing, onboarding, or partner-integrated journeys where technically necessary.

3. Types of cookies we use

3.1 Strictly necessary cookies

These cookies are essential for the operation of the Services and cannot be switched off in many cases because they are needed for core functionality.

They may be used to:

• keep you signed in;

• maintain secure sessions;

• support login and authentication;

• remember privacy or cookie preferences;

• enable page navigation and core website functionality;

• support load balancing, network management, and site integrity;

• prevent fraud, abuse, and malicious activity.

Without these cookies, parts of the Services may not function properly.

3.2 Performance and analytics cookies

These cookies help us understand how visitors use our Services so we can improve performance, structure, reliability, and user experience.

They may be used to measure:

• page visits;

• session patterns;

• referral sources;

• feature usage;

• bounce rates;

• time spent on pages;

• performance and diagnostic events;

• crash and error patterns.

These cookies generally help us understand what is working, what is not, and where the product experience needs improvement.

3.3 Functionality cookies

These cookies help remember choices you make so that we can provide a more tailored experience.

They may remember:

• language preferences;

• region or location preferences;

• UI settings;

• consent choices;

• form progress;

• product experience preferences.

3.4 Communication and campaign cookies

These cookies may be used to understand how users interact with email links, campaign pages, onboarding funnels, or informational content.

They may help us measure whether a communication was opened, whether a link was used, or whether a visitor completed a particular journey after engaging with a communication.

3.5 Security cookies

These cookies and similar technical mechanisms may be used to detect suspicious behavior, support platform integrity, reduce fraud risk, identify misuse, and maintain a secure environment for users and partners.

3.6 Third-party cookies

Some cookies may be placed by third-party service providers that support areas such as:

• analytics;

• hosting;

• customer support tools;

• performance monitoring;

• fraud detection;

• communications;

• embedded services.

These third parties may collect information according to their own privacy policies and contractual arrangements with us.

4. What information cookies may collect

Depending on the type of cookie, the information collected may include:

• IP address;

• browser type and browser settings;

• device type and operating system;

• language preferences;

• approximate location inferred from IP;

• pages viewed;

• referral source;

• timestamps and session data;

• clicks, navigation flow, and interaction events;

• error logs and diagnostics;

• cookie identifiers and similar technical identifiers.

Cookies do not typically give us your name directly unless you separately provide that information in connection with your account or another interaction.

5. How cookies relate to personal data

In some cases, the information collected through cookies may qualify as personal data or may become associated with personal data that we already hold, such as when a cookie is tied to an account session, product usage history, or support interaction.

Where cookie-related data is linked to personal data, we process it in accordance with our Privacy Policy and applicable law. India’s DPDP Act, 2023 is the current statutory framework for digital personal data, and the DPDP Rules, 2025 set out implementation details on a phased basis.

6. First-party and third-party cookies

6.1 First-party cookies

These are cookies set directly by EAZR. We use them to operate the Services, preserve sessions, remember settings, maintain security, and improve product performance.

6.2 Third-party cookies

These are cookies or similar technologies set by service providers or integrated partners that help us support analytics, diagnostics, communications, infrastructure, embedded tools, security, and related technical operations.

We do not control every aspect of how third-party providers use data collected through their own technologies. You should review the relevant third-party privacy notices where applicable.

7. How long cookies remain on your device

Cookies may remain on your device for different periods depending on their purpose.

7.1 Session cookies

These are temporary and typically expire when you close your browser or end a session.

7.2 Persistent cookies

These remain on your device for a longer period or until manually deleted. They help remember settings, preferences, and recurring interactions across visits.

The actual duration depends on the specific cookie and its function.

8. Your cookie choices

You can manage cookies in several ways.

8.1 Browser controls

Most browsers allow you to:

• view cookies;

• block cookies;

• delete cookies;

• clear site data;

• restrict third-party cookies.

If you disable or block certain cookies, some parts of the Services may not work properly.

8.2 Device controls

Mobile operating systems and app environments may provide settings to limit tracking, reset identifiers, or control permissions relevant to analytics and related technologies.

8.3 In-product controls

Where available, we may provide settings or consent tools that allow you to manage non-essential cookies and similar technologies.

8.4 Consent banner or cookie notice

If required by applicable law or our implementation approach, we may present a cookie banner or preference center that enables you to accept, reject, or configure non-essential cookies.

9. Do Not Track and similar browser signals

Some browsers transmit “Do Not Track” or similar preference signals. Because there is no universally accepted standard for responding to these signals across all environments, our Services may not always respond to them in a uniform manner.

Where we implement specific consent or preference mechanisms, those settings will generally control your cookie choices more directly.

10. Cookies in emails and communications

Our emails or digital communications may contain technologies such as tracking pixels or tagged links that help us understand whether a communication was opened or whether a link was used.

We use this information to:

• improve communication quality;

• measure relevance and engagement;

• reduce repetitive or ineffective messaging;

• understand the performance of campaigns or updates.

You can reduce such tracking by disabling image loading in your email client or by opting out of promotional communications where available.

11. Security, fraud prevention, and incident response

Some cookies and related technical mechanisms are used for account protection, fraud monitoring, suspicious activity detection, abuse prevention, and platform integrity.

We may also use logs, identifiers, and similar technical signals to investigate incidents, enforce our terms, and support incident response.

CERT-In’s current directions require covered entities to report specified cyber incidents within 6 hours of noticing them or being informed of them.

12. Cross-border processing

Some cookie-related data may be processed by service providers located outside your jurisdiction, including providers supporting cloud hosting, analytics, infrastructure, customer support, or communications.

Where such processing occurs, we take reasonable steps to ensure appropriate safeguards consistent with applicable law and our contractual arrangements.

13. Changes to this Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in:

• our Services;

• our technology stack;

• our analytics and communications tools;

• legal or regulatory requirements;

• product and security practices.

If we make material changes, we may update the “Last Updated” date and provide notice through the website, application, or other appropriate channel.

14. Contact us

If you have questions about this Cookie Policy or our use of cookies and similar technologies, contact:

EAZR

Eazr Digipayments Private Limited

PLOT- 841, TOWER 1C, JUPITER TEXTILE MILL COMPOUND, , SENAPATI BAPAT MARG, ELEPHINSTONE, DELISLE ROAD, Delisle Road, Mumbai, Mumbai, Maharashtra, India, 400013

support@eazr.in

https://eazr.life