Legal
Cookie Policy
Learn how Pearlixa uses cookies and how you can control them.
Last Updated: 28 January 2026
Complete Cookie Inventory
Below is a complete list of cookies used on our website. This table is updated whenever our cookie usage changes.
| Cookie Name | Purpose | Duration | Type | Provider |
|---|---|---|---|---|
| session_token | Maintains your authenticated session | 24 hours | Essential | None (First-party) |
| csrf_token | Prevents cross-site request forgery attacks | Session | Essential | None (First-party) |
| auth_state | Stores authentication state for secure login | 7 days | Essential | None (First-party) |
| rate_limit_id | Enforces API rate limits and prevents abuse | 1 hour | Essential | None (First-party) |
| persona_preference | Remembers your selected user persona (trader/investor/etc) | 1 year | Preference | None (First-party) |
| theme_mode | Stores your dark/light mode preference | 1 year | Preference | None (First-party) |
| cookie_consent | Records your cookie consent preferences | 1 year | Essential | None (First-party) |
| risk_warning_accepted | Records acceptance of risk warning popup | 30 days | Essential | None (First-party) |
| __stripe_mid | Fraud prevention for payment processing | 1 year | Essential | Stripe (stripe.com/privacy) |
| __stripe_sid | Payment session identifier | Session | Essential | Stripe (stripe.com/privacy) |
What Are Cookies?
- Cookies are small text files placed on your device to store information about your usage.
- We also use similar technologies such as local storage or pixels where appropriate.
- Cookies help keep your session secure and enable product functionality.
- We use minimal cookies focused on security, functionality, and user preferences - NOT advertising or tracking.
Types of Cookies We Use
- ESSENTIAL COOKIES: Required for login, session management, security controls, rate limiting, and fraud prevention. These cannot be disabled without breaking core functionality.
- PREFERENCE COOKIES: Remember your settings such as theme, persona selection, and UI preferences. Disabling these resets your preferences on each visit.
- ANALYTICS COOKIES: We currently do NOT use third-party analytics cookies. We may implement privacy-focused analytics in the future, which would require your explicit consent.
Consent Management
- Essential cookies are set automatically as they are strictly necessary for the website to function.
- Preference cookies are set when you make choices (e.g., selecting a persona). You implicitly consent by making these choices.
- If we add analytics cookies in the future, we will present a clear consent banner before any are set.
- Your consent preferences are stored in the "cookie_consent" cookie and honored for 1 year.
- You can withdraw consent at any time by clearing cookies in your browser settings or contacting us.
Third-Party Cookies
- STRIPE: Our payment processor Stripe sets cookies for fraud prevention and secure payment processing. See: stripe.com/privacy
- NO ADVERTISING COOKIES: We do NOT use Google Analytics, Facebook Pixel, or any advertising/tracking cookies.
- NO CROSS-SITE TRACKING: We do not permit any third party to track you across other websites using cookies set on our platform.
- Third-party cookies are limited to essential services (payments) and are governed by those providers' privacy policies.
Session Duration & Security
- Login sessions expire after 24 hours of inactivity for security.
- If you select "Remember me" during login, sessions may last up to 7 days.
- Sessions are invalidated immediately when you log out.
- CSRF tokens are regenerated with each session to prevent request forgery attacks.
- We use secure, HTTP-only cookies for sensitive tokens to prevent JavaScript access.
Local Storage & Similar Technologies
- We use browser local storage to store: UI state, cached API responses for performance, and feature flags.
- Local storage data remains until you clear browser data or we programmatically remove it.
- We do NOT store sensitive information (tokens, passwords) in local storage.
- Local storage is used to persist your risk warning acceptance (30 days) to avoid repeated popups.
How to Control Cookies
- BROWSER SETTINGS: You can configure your browser to refuse all cookies or alert you when cookies are set.
- DISABLING ESSENTIAL COOKIES: Warning - this will prevent login and break core functionality.
- CLEARING COOKIES: You can delete all cookies at any time through your browser settings. This will log you out and reset preferences.
- OPT-OUT OF ANALYTICS: If we implement analytics cookies, you can opt out via our cookie banner or by enabling "Do Not Track" in your browser.
- Contact privacy@pearlixa.com if you need assistance managing your cookie preferences.
No Warranty
- We strive to keep this cookie information accurate but do not guarantee third-party practices beyond our control.
- Changes to your browser, device, or third-party services may affect cookie behaviour.
- This policy forms part of our Terms of Service and Privacy Policy.
- We may update this policy as our cookie usage changes. Material changes will be notified.
Important Service Disclaimer
- Pearlixa is a technology and information service provider ONLY. We are NOT a registered investment adviser, broker-dealer, or financial institution.
- We are NOT registered with the SEC, FCA, or any other financial regulatory authority. Nothing on this website constitutes financial advice.
- Cookies and analytics data are used solely to improve our information service. No data collected influences or constitutes investment recommendations.
- All investment decisions are your sole responsibility. Always consult qualified, licensed financial professionals before investing.