Effective date and last updated: 6 October 2026 · Applies to: NxtBanking (a product of Laraware Private Limited), its websites, APIs, dashboards and partner platforms.
1. What cookies are
Cookies are small text files stored on your device when you visit a site. They help the site work, remember your preferences and understand how it is used. Similar technologies include local storage, pixels and device identifiers, and are included where we say "cookies".
2. Cookies we use
| Type | Purpose | Examples | Can you refuse? |
|---|---|---|---|
| Strictly necessary | Log-in, session security, load balancing, fraud prevention, remembering your cookie choice | Session and CSRF cookies | No. The site cannot work without them |
| Preferences | Remember settings such as language or form entries | UI settings | Yes |
| Analytics | Count visits and see which pages and features are used, to improve the site. Data is aggregated | Web analytics tools | Yes |
| Marketing | Measure campaigns and show relevant ads | Advertising pixels such as Meta Pixel | Yes. Used only with consent where required |
3. Third-party cookies
Some cookies are placed by third parties such as analytics and advertising providers. They have their own policies. We do not control their cookies.
4. How long cookies last
Session cookies are deleted when you close the browser. Persistent cookies remain for a set period, up to 26 months, or until you delete them.
5. Managing cookies
- Use the cookie banner or preferences on our site, where shown, to accept or reject non-essential cookies, and change your choice at any time.
- Your browser settings let you block or delete cookies. Blocking essential cookies may stop parts of the site, including login, from working.
- You can opt out of interest-based advertising through your device and ad-platform settings.
6. Personal data
Where cookies collect personal data, it is processed as described in our Privacy Policy and with your consent where the law requires it.
7. Changes
We may update this Cookie Policy. The latest version and its effective date are on this page.
Contact us
| Purpose | Contact |
|---|---|
| General and customer support | support@laraware.com |
| Refund and failed transaction queries | refunds@laraware.com |
| Legal, compliance and grievance escalation | legalteam@laraware.com |
| Phone | 0731-4621515 |
| Registered and correspondence address | Laraware Private Limited, B-2/64, Vibhutikhand, Gomtinagar, Lucknow, Uttar Pradesh 226010, India |