Legal & Policies

Cookie Policy

Last updated  15 September 2026

BilaFundi Cookie Policy

1. Introduction

This Cookie Policy explains how BilaFundi ("BilaFundi", "we", "us", or "our") uses cookies and similar technologies when you access or use the BilaFundi website, applications, and related services.

BilaFundi is a digital platform that connects clients, property owners, contractors, technical handymen, service providers, material suppliers, and other construction professionals.

Cookies and similar technologies help us:

  • Keep users securely logged in;

  • Maintain sessions;

  • Protect accounts and the platform from fraud and abuse;

  • Remember user preferences;

  • Maintain platform functionality;

  • Understand how users interact with BilaFundi;

  • Improve performance and usability;

  • Support payment processing; and

  • Improve the overall BilaFundi experience.

This Cookie Policy should be read together with the BilaFundi Privacy Policy and BilaFundi Security and Data Protection Agreement.

2. What Are Cookies?

Cookies are small text files that websites may store on your computer, smartphone, tablet, or other internet-enabled device.

When you visit BilaFundi, cookies may allow our systems to recognize your browser or device and remember certain information between requests or visits.

Cookies can perform different functions. Some are essential to the operation and security of the website, while others help us understand usage or remember preferences.

3. Similar Technologies

In addition to traditional cookies, BilaFundi and its service providers may use technologies such as:

  • Local storage;

  • Session storage;

  • Pixels;

  • Web beacons;

  • Device identifiers;

  • Browser identifiers;

  • Security tokens; and

  • Similar technologies.

For simplicity, this Policy refers to these technologies collectively as "cookies" where appropriate.

4. Categories of Cookies We Use

BilaFundi may use the following categories of cookies:

  1. Essential Cookies;

  2. Security and Fraud-Prevention Cookies;

  3. Functional Cookies;

  4. Analytics Cookies;

  5. Performance Cookies;

  6. Payment-Related Cookies; and

  7. Third-Party Cookies.

Some cookies may fall into more than one category depending on their function.

5. Essential Cookies

Essential cookies are necessary for core BilaFundi functionality.

Without these cookies, important parts of the platform may not function correctly.

Essential cookies may be used to:

  • Maintain login sessions;

  • Authenticate users;

  • Maintain secure sessions;

  • Process requests;

  • Remember temporary application state;

  • Maintain security tokens;

  • Protect against cross-site request forgery;

  • Maintain server-side session state; and

  • Support essential platform functionality.

Because these cookies are necessary for the operation and security of the platform, they generally cannot be disabled through BilaFundi's optional cookie controls.

Disabling essential cookies through your browser may prevent you from using certain BilaFundi functionality.

6. Session Cookies

BilaFundi may use session cookies to maintain your authenticated session.

For example, when you log into your BilaFundi account, a session cookie may allow the platform to recognize subsequent requests as belonging to your authenticated session.

Session cookies may be used to:

  • Keep you logged in;

  • Maintain navigation between pages;

  • Maintain temporary account state;

  • Authenticate requests; and

  • Prevent unauthorized session use.

Session cookies may expire when you log out, close your browser, or after a defined period of inactivity, depending on the implementation.

7. CSRF Security Cookies

BilaFundi may use security tokens, including cookies associated with Cross-Site Request Forgery (CSRF) protection.

CSRF protection helps prevent malicious websites from causing a user's browser to unintentionally submit unauthorized requests to BilaFundi while the user is authenticated.

These cookies or tokens are security mechanisms and are considered essential to secure platform operation.

8. Google reCAPTCHA

BilaFundi may use Google reCAPTCHA on areas such as:

  • Registration;

  • Login;

  • Password recovery;

  • Forms; and

  • Other areas vulnerable to automated abuse.

reCAPTCHA helps BilaFundi distinguish legitimate users from automated systems and can assist with:

  • Bot prevention;

  • Account abuse prevention;

  • Credential-stuffing mitigation;

  • Spam prevention;

  • Automated registration prevention; and

  • Security monitoring.

Google may collect technical and interaction information as part of providing the reCAPTCHA service.

The processing of information by Google is subject to Google's applicable terms and privacy practices.

Where technically appropriate, BilaFundi may adjust or replace its anti-abuse mechanisms as its security requirements evolve.

9. Functional Cookies

Functional cookies allow BilaFundi to remember preferences and settings so that users do not need to repeatedly configure the platform.

These may include preferences such as:

  • Sidebar state;

  • Interface preferences;

  • Selected platform mode;

  • Provider mode;

  • Organisation mode;

  • Previously selected settings;

  • Language preferences, where supported;

  • Display preferences; and

  • Other user-interface settings.

Functional cookies generally improve convenience but may not be strictly necessary for the core operation of every part of the platform.

10. Analytics Cookies

BilaFundi may use analytics technologies to understand how people use the platform.

Analytics help us understand questions such as:

  • Which pages receive the most visits?

  • Which features are used most frequently?

  • How users navigate the platform;

  • Where users encounter errors;

  • How users interact with forms;

  • Which areas of the platform require improvement; and

  • How the platform performs across different devices.

We may use third-party analytics providers, including:

  • Google Analytics; and

  • Microsoft Clarity.

These providers may use cookies or similar technologies and may process information relating to website usage.

11. Google Analytics

BilaFundi may use Google Analytics to obtain aggregated and statistical information about platform usage.

Depending on the configuration, Google Analytics may process information such as:

  • Pages visited;

  • Approximate geographic information;

  • Browser and device information;

  • Referral information;

  • Session information;

  • Interaction events;

  • Traffic sources; and

  • Other usage information.

BilaFundi uses analytics information primarily to understand platform performance and improve its services.

Analytics data may be processed by Google in accordance with Google's applicable privacy practices and contractual arrangements.

Where supported by the implementation, BilaFundi may configure analytics to reduce unnecessary collection and improve privacy.

12. Microsoft Clarity

BilaFundi may use Microsoft Clarity to understand how users interact with the platform.

Clarity may provide information about:

  • Page interactions;

  • Clicks;

  • Scrolling;

  • Navigation;

  • User-interface interactions;

  • Session behavior;

  • Technical issues; and

  • Other interaction patterns.

This information may help BilaFundi identify usability problems and improve the platform.

Microsoft may process information collected through Clarity according to its applicable privacy and data-handling practices.

Where appropriate, BilaFundi may configure Clarity to reduce or exclude sensitive information from collection.

13. Payment Cookies

When a user makes a payment through BilaFundi, the payment provider may use cookies or similar technologies as part of the payment process.

BilaFundi uses Pesapal as a payment service provider where applicable.

Payment-related cookies may be used for purposes such as:

  • Processing transactions;

  • Maintaining payment sessions;

  • Preventing payment fraud;

  • Maintaining payment security;

  • Authenticating payment requests;

  • Supporting transaction functionality; and

  • Detecting suspicious activity.

BilaFundi does not intentionally use cookies to store a user's complete card number, card security code, or mobile-money PIN.

Payment information may be processed directly by the applicable payment provider.

14. Third-Party Cookies

Some cookies may be placed by third-party services used by BilaFundi.

These may include services supporting:

  • Security;

  • Analytics;

  • Payments;

  • AI functionality;

  • Customer support;

  • Authentication;

  • Infrastructure;

  • Embedded content; or

  • Other platform functionality.

Third-party cookies are controlled by the relevant third-party service and may be subject to that provider's own privacy policies and terms.

BilaFundi does not control every technical aspect of cookies placed by third-party providers.

15. Why We Use Cookies

BilaFundi uses cookies and similar technologies for legitimate operational and business purposes, including:

Security

To:

  • Protect accounts;

  • Detect suspicious activity;

  • Prevent unauthorized access;

  • Reduce automated abuse; and

  • Protect against common web attacks.

Authentication

To:

  • Maintain login sessions;

  • Authenticate requests;

  • Maintain account state; and

  • Protect authenticated functionality.

Platform Functionality

To:

  • Remember preferences;

  • Maintain application state;

  • Support navigation; and

  • Deliver requested features.

Analytics

To:

  • Measure usage;

  • Identify technical issues;

  • Understand feature adoption;

  • Improve usability; and

  • Improve platform performance.

Payments

To:

  • Support secure payment transactions;

  • Maintain payment sessions; and

  • Assist payment providers with fraud prevention.

16. Cookies and Personal Information

Cookies do not necessarily identify you directly.

However, cookie identifiers may sometimes be associated with information that can reasonably be linked to a particular user, account, device, or session.

Where cookie information constitutes personal information under applicable law, BilaFundi will handle it in accordance with applicable data-protection requirements.

Our Privacy Policy provides additional information about:

  • Information we collect;

  • How we use personal information;

  • Data sharing;

  • Data retention;

  • User rights; and

  • International data transfers.

17. Cookie Lifetimes

Cookies may have different lifetimes.

Session Cookies

These generally expire when the relevant browser session ends or when the authentication session expires.

Persistent Cookies

These remain on your device for a defined period or until they are manually deleted.

The actual lifetime of a cookie may vary depending on:

  • Its purpose;

  • The provider;

  • The platform configuration;

  • Security requirements; and

  • Applicable legal requirements.

BilaFundi may periodically review cookie lifetimes and modify them where appropriate.

18. Managing Cookies Through Your Browser

Most modern browsers allow users to:

  • View cookies;

  • Delete cookies;

  • Block cookies;

  • Block third-party cookies;

  • Allow cookies from selected websites; and

  • Configure cookie preferences.

Browser controls vary between browsers and devices.

If you disable or delete essential cookies, BilaFundi may not function correctly.

For example, you may be unable to:

  • Log in;

  • Maintain an authenticated session;

  • Submit certain forms;

  • Complete certain transactions; or

  • Access core platform functionality.

19. Analytics Opt-Out

Users who do not want certain Google Analytics information associated with their browser activity may use Google's available analytics opt-out mechanisms.

BilaFundi may also modify its analytics configuration over time to provide additional privacy controls.

Because third-party services can change their technologies and policies, users should consult the relevant provider's current documentation for the most accurate information.

20. Do Not Track Signals

Some browsers provide a "Do Not Track" setting.

Because there is currently no universally consistent technical standard for interpreting such signals across all websites and services, BilaFundi may not respond to every browser-based Do Not Track signal.

Where legally required, BilaFundi will comply with applicable requirements concerning recognized privacy signals.

21. Cookies on Shared Devices

Users should exercise caution when accessing BilaFundi from:

  • Public computers;

  • Shared computers;

  • Internet cafés;

  • Workplace devices;

  • Shared mobile devices; or

  • Devices used by other people.

Users should log out after using BilaFundi on a shared device.

Failure to log out may allow another person with access to the device or browser to access an active BilaFundi session.

22. Security of Cookies

BilaFundi may apply security attributes to cookies where appropriate, including mechanisms designed to reduce unauthorized access to cookie information.

Depending on the purpose and technical requirements, cookies may use attributes such as:

  • Secure;

  • HttpOnly; and

  • SameSite.

These mechanisms help reduce certain risks but do not provide absolute security.

Users should also protect their devices, browsers, and account credentials.

23. Fraud Prevention and Cookies

Cookies and similar identifiers may be used as part of BilaFundi's security and fraud-prevention systems.

For example, BilaFundi may use technical information to identify:

  • Abnormal login behavior;

  • Automated activity;

  • Repeated suspicious requests;

  • Account-abuse patterns;

  • Transaction anomalies; or

  • Other indicators of potentially fraudulent behavior.

This information may be combined with other security signals where appropriate.

Fraud-prevention measures may result in legitimate activity being temporarily restricted where automated systems identify a potential security risk.

24. Location and Cookies

Cookies themselves are not necessarily GPS location data.

However, information collected through cookies, analytics, IP addresses, or other technologies may sometimes provide an approximate indication of a user's geographic region.

BilaFundi may also process location information that users voluntarily provide when using platform features, such as:

  • Project locations;

  • Service areas;

  • Provider locations; or

  • Locations relevant to matching clients with providers.

Additional information is provided in the BilaFundi Privacy Policy.

25. Cookies and AI Features

Certain BilaFundi features may use third-party AI services.

Cookies may be used to maintain the user's platform session and functionality surrounding an AI feature.

Cookies themselves are not intended to serve as a substitute for the data-handling disclosures applicable to AI services.

Where information submitted to an AI feature is transmitted to a third-party AI provider, that processing is governed by the applicable BilaFundi Privacy Policy and relevant third-party service arrangements.

26. Children's Privacy

BilaFundi is not intended to encourage children to create accounts or provide personal information where doing so would be unlawful.

BilaFundi does not intentionally use cookies to collect unnecessary information from children.

If a parent or guardian believes that information has been collected improperly, they may contact:

info@bilafundi.com

27. International Users

BilaFundi may use third-party service providers that operate infrastructure in different countries.

As a result, information associated with cookies and similar technologies may be processed outside the country in which a user accesses BilaFundi.

Where applicable, BilaFundi seeks to apply appropriate safeguards for international data transfers.

28. Changes to This Cookie Policy

BilaFundi may update this Cookie Policy from time to time.

Changes may occur when we:

  • Introduce new platform functionality;

  • Add or remove third-party services;

  • Change analytics providers;

  • Change payment providers;

  • Introduce new security technologies;

  • Modify cookie configurations; or

  • Respond to legal or regulatory requirements.

When material changes are made, BilaFundi may update the Last Updated date and provide additional notice where appropriate.

Users are encouraged to review this page periodically.

29. Contact Us

If you have questions or concerns about BilaFundi's use of cookies or similar technologies, contact us at:

BilaFundi

Email: info@bilafundi.com

For privacy or data-protection requests, please use a subject such as:

"Cookie & Privacy Request"

For security incidents, please use:

"Security Incident"

30. Summary

BilaFundi uses cookies and similar technologies primarily to:

  • Keep users securely logged in;

  • Protect against fraud and automated abuse;

  • Maintain essential platform functionality;

  • Remember user preferences;

  • Understand how users use BilaFundi;

  • Improve platform performance;

  • Support secure payments; and

  • Improve the overall user experience.

Some cookies are essential and cannot be disabled without affecting core functionality. Other cookies, such as analytics and functional cookies, may depend on the user's available privacy controls and the applicable configuration.

By continuing to use BilaFundi, users acknowledge that cookies and similar technologies may be used as described in this Policy, subject to applicable law and available controls.

BilaFundi

Security & Privacy Contact: info@bilafundi.com

© 2026 BilaFundi Works. All rights reserved.

info@bilafundi.com