Cookie Policy
What cookies we use, why, and how to manage your preferences.
Last updated: March 1, 2026
This Cookie Policy explains how Karma Speaks (“we,” “us,” “our”), operated by Meganathan Gnanamani, uses cookies and similar technologies when you visit karmaspeaks.com.
1. What Are Cookies?
Cookies are small text files placed on your device by a website. They allow the site to remember information about your visit — such as your preferred currency or session state — making future visits faster and more useful.
We also use related technologies including local storage and session storage where cookies are less suitable.
2. Cookies We Use
Essential Cookies
These cookies are strictly necessary for the website to function. They cannot be disabled without breaking core features. No consent is required for these.
| Cookie | Purpose | Duration |
|---|---|---|
sb-access-token | Supabase authentication session token | Session |
sb-refresh-token | Supabase session refresh token | 7 days |
currency | Stores your detected currency (INR or USD) for price display | 1 year |
__Host-next-auth.csrf-token | CSRF protection for form submissions | Session |
Functional Cookies
These cookies remember your preferences to improve your experience. They are set only with your consent.
| Cookie | Purpose | Duration |
|---|---|---|
ks_timezone | Remembers your detected timezone for displaying session times correctly | 1 year |
ks_cookie_consent | Stores your cookie consent preferences | 1 year |
Analytics Cookies
Analytics cookies help us understand how visitors use the site so we can improve it. These are blocked until you provide consent via our cookie banner.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
_ga | Google Analytics 4 | Distinguishes unique users for traffic analytics | 2 years |
_ga_XXXXXXXX | Google Analytics 4 | Session and pageview counting | 2 years |
_gtm_* | Google Tag Manager | Tag management container | Session |
IP addresses are anonymised before being sent to Google Analytics. We do not share Analytics data with third parties.
Payment Cookies
Payment session cookies are set by our payment processors when you proceed to checkout. These are essential for completing your transaction.
| Provider | Purpose | Duration |
|---|---|---|
| Razorpay | Payment session and fraud detection | Session |
| PayPal | Payment authentication and session state | Session – 1 year |
Payment cookies are governed by Razorpay's Privacy Policy and PayPal's Privacy Policy.
3. Managing Cookies
You can manage your cookie preferences in the following ways:
- Cookie banner: When you first visit our site, a banner allows you to accept or decline non-essential cookies. You can revisit these preferences via the “Cookie Settings” link in the footer.
- Browser settings: All modern browsers let you block or delete cookies. See your browser's help documentation (Chrome, Firefox, Safari, Edge) for instructions.
- Google Analytics opt-out: Install the Google Analytics Opt-out Browser Add-on.
Note: blocking essential cookies will prevent login and currency detection from working correctly.
4. Third-Party Cookies
We embed third-party services that may set their own cookies:
- Zoom: Video consultation links may load Zoom's session cookies when you join a call.
- Google Fonts: Served directly from our CDN; no Google Fonts cookies are set.
We have no control over third-party cookies. Review each provider's privacy policy for details.
5. Updates to This Policy
We may update this Cookie Policy as our services evolve or as new legal requirements emerge. The “Last updated” date at the top of this page reflects the most recent revision. Continued use of our site after changes constitutes acceptance.
6. Contact
For cookie-related questions, contact us at support@karmaspeaks.com.
Karma Speaks — operated by Meganathan Gnanamani, Bangalore, Karnataka, India.
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