{"id":97774,"date":"2026-05-01T16:16:46","date_gmt":"2026-05-01T20:16:46","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=97774"},"modified":"2026-05-01T16:16:48","modified_gmt":"2026-05-01T20:16:48","slug":"think-before-you-accept-smart-choices-around-cookies-and-app-permissions","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/think-before-you-accept-smart-choices-around-cookies-and-app-permissions\/","title":{"rendered":"Think Before You Accept: Smart Choices Around Cookies and App Permissions"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\"><p>Pause and evaluate app permissions and cookie requests before accepting.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Grant essential access (i.e. banking app needing camera access) but question unnecessary requests (i.e. gaming app asking for contacts).<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Accept essential cookies for smoother browsing but limit third-party cookies that track activity across sites.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Review settings regularly and customize preferences.<\/p><\/li>\n<li class=\"wp-block-rbc-list-item\"><p>Trust your instincts \u2013 deny intrusive requests and adjust later if needed.<\/p><\/li>\n<\/ul>\n<\/div><\/div><br>\n\n\n\n<p>It\u2019s a moment you know all too well \u2013 you\u2019re downloading an app or browsing a website when a pop-up appears:&nbsp;<em>Allow access? Accept cookies?<\/em><\/p>\n\n\n\n<p>In everyday life, many digital users will move quickly past these pop-ups and tap \u201caccept\u201d or \u201callow\u201d just to get where they\u2019re going. But these prompts are more than formalities \u2013 they are small, but important, decisions about your personal data.<\/p>\n\n\n\n<p>The good news is that you don\u2019t need to overthink every click \u2013 a little awareness goes a long way. Here\u2019s how to understand what you\u2019re agreeing to, and how to make choices that work for you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-app-permissions\">Understanding app permissions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-are-app-permissions\">What are app permissions?<\/h3>\n\n\n\n<p id=\"h-\">App permissions define what parts of your device an app can access \u2013 like your location, camera, contacts, microphone or files. When you grant access, you\u2019re allowing the app to collect and use that data. Some permissions are essential to how the app works. Others\u2026 not so much.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-permissions-make-sense\">When permissions make sense<\/h3>\n\n\n\n<p id=\"h-\">Some access requests are reasonable \u2013 and in fact necessary for the app to function properly. For example:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">A banking app needs access to your camera to deposit cheques.<\/li>\n    <li class=\"wp-block-rbc-list-item\">A messaging app needs access to your contacts to send messages.<\/li>\n    <li class=\"wp-block-rbc-list-item\">A navigation app needs access to your location to provide directions.<\/li>\n<\/ul><br>\n\n\n\n<p id=\"h-\">These permissions ultimately support the core functionality of the app and improve your experience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-simple-way-to-evaluate-permissions\">A simple way to evaluate permissions<\/h3>\n\n\n\n<p id=\"h-\">Most app permissions are there to make things work smoothly. Still, if a request feels unrelated to what the app does, it\u2019s worth taking a closer look.<\/p>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\">Permission type<\/th><th scope=\"col\">When it\u2019s helpful<\/th><th scope=\"col\">When it\u2019s worth thinking twice<\/th><\/tr><\/thead><tbody><tr><td>Location<\/td><td>Maps, ridesharing, fitness tracking<\/td><td>Shopping apps tracking your location in the background<\/td><\/tr><tr><td>Camera<\/td><td>Mobile banking, QR scanning, video calls<\/td><td>A calculator or currency converter requesting camera access<\/td><\/tr><tr><td>Contacts<\/td><td>Messaging or social apps<\/td><td>A game or photo filter app asking to access your full contact list<\/td><\/tr><tr><td>Microphone<\/td><td>Voice notes, calls, virtual assistants<\/td><td>A puzzle game or note-taking app requesting microphone access<\/td><\/tr><tr><td>Storage\/ files<\/td><td>Photo editing, document uploads<\/td><td>A simple utility app (i.e. flashlight) requesting access to all files<\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>A good rule of thumb is to ask yourself:&nbsp;<em>Does this permission clearly support the app\u2019s purpose?<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-when-to-pause-before-clicking-allow\">When to pause before clicking \u201callow\u201d<\/h3>\n\n\n\n<p id=\"h-\">Not all permission requests are necessary. Some apps ask for more access than they need, often to collect additional data.<\/p>\n\n\n\n<p id=\"h-\">Because some permissions can introduce real risks, it\u2019s a smart idea to slow down before clicking \u201callow.\u201d Here are a few examples:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><strong>Background access<\/strong>: Some permissions allow apps to collect data even when you\u2019re not actively using them.<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Location tracking<\/strong>: Continuous access can build a detailed picture of where you live, work and spend time.<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Camera and microphone access<\/strong>: In rare cases, apps can misuse this access to record audio or video without your awareness.<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Contacts access<\/strong>: Your address book can be used for marketing \u2013 or even for phishing attempts targeting people you know.<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>File access<\/strong>: Photos and documents may contain sensitive personal or financial information.<\/li>\n<\/ul><br>\n\n\n\n<p>You don\u2019t need to avoid permissions altogether \u2013 but being selective and intentional about what permissions you do grant can boost your digital security.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-understanding-cookies\">Understanding cookies<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-the-basics-of-cookies\">The basics of cookies<\/h3>\n\n\n\n<p id=\"h-\">Cookies are small pieces of data stored in your browser. They help websites remember things about you, such as login details, preferences or items in your cart.<\/p>\n\n\n\n<p id=\"h-\">Their widespread use \u2013 and the pop-ups you now see everywhere \u2013 largely stems from privacy regulations like the European General Data Protection Regulation (GDPR), which requires websites to give users more transparency and control over how their data is collected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-first-party-vs-third-party-cookies\">First-party vs. third-party cookies<\/h3>\n\n\n\n<p>Not all cookies serve the same purpose \u2013 or are managed by the same parties:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><strong>First-party cookies<\/strong> are set by the website you\u2019re visiting. They help with things like staying logged in or saving your preferences.<\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Third-party cookies<\/strong>, meanwhile, are set by external parties, often for tracking and advertising across multiple sites.<\/li>\n<\/ul><br>\n\n\n\n<p>The distinction is important because third-party cookies can track your activity across multiple websites \u2013 not just the one you\u2019re currently visiting.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-happens-when-you-accept-cookies\">What happens when you accept cookies?<\/h3>\n\n\n\n<p id=\"h-\">By clicking \u201caccept\u201d when presented with that inevitable cookie pop-up, you may be allowing websites to:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\">Remember your preferences and login details<\/li>\n    <li class=\"wp-block-rbc-list-item\">Track your browsing activity<\/li>\n    <li class=\"wp-block-rbc-list-item\">Personalize content and ads<\/li>\n<\/ul><br>\n\n\n\n<p>Some cookies make your experience smoother and more efficient. Others, however, allow your data to be collected and shared more widely than you might expect.<\/p>\n\n\n\n<div class=\"wp-block-group has-text-reg-font-size is-nowrap is-layout-flex wp-container-core-group-is-layout-ad2f72ca wp-block-group-is-layout-flex\">\n<table class=\"table-swipe wp-block-rbc-responsive-table-block is-style-table-striped\"><thead><tr><th scope=\"col\"><strong>When cookies are helpful<\/strong><\/th><th scope=\"col\"><strong>When to be more selective<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Faster logins \u2013 no need to re-enter credentials<\/td><td>When a site pushes \u201cAccept All\u201d without clear options to customize<\/td><\/tr><tr><td>Personalized experience \u2013 content is tailored to your interests<\/td><td>When third-party cookies are enabled, as your data may be shared with unknown external parties<\/td><\/tr><tr><td>Shopping convenience \u2013 saved carts and preferences<\/td><td>When you\u2019re on an unencrypted website (no lock icon), where data may not be securely protected<\/td><\/tr><\/tbody><\/table>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Keep in mind, you don\u2019t have to reject all cookies \u2013 but you don\u2019t have to accept them all either.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-stay-in-control-digital-privacy-best-practices\">How to stay in control: Digital privacy best practices<\/h2>\n\n\n\n<p id=\"h-\">You don\u2019t need to be a privacy expert to make smart choices online. A few simple habits can help you stay in control without adding friction to your day.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n    <li class=\"wp-block-rbc-list-item\"><strong>Pause before you accept<\/strong>\n    <p>Avoid accepting cookies and allowing app permissions by default. If a permission or cookie request feels unrelated, it\u2019s okay to question it \u2013 and it\u2019s okay to say no.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Customize your choices<\/strong>\n    <p>Look for options like \u201cEssential Only\u201d or \u201cManage Preferences\u201d on websites. For apps, choosing \u201cWhile Using the App\u201d instead of \u201cAlways Allow\u201d keeps access tied to when you actually need it.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Check your settings from time to time<\/strong>\n    <p>Permissions aren\u2019t permanent. A quick review every few months can help you spot anything that no longer makes sense.<\/p><\/li>\n    <li class=\"wp-block-rbc-list-item\"><strong>Trust your instincts<\/strong>\n    <p>If something feels overly intrusive or unnecessary, trust that instinct. You can always grant access later if you change your mind.<\/p><\/li>\n<\/ul><br>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block inner-section-ocean section-inner  has-e-4-eeff-background-color has-background\" style=\"border-radius:0x\">\n<p class=\"has-text-align-center\">For more tips and resources on protecting your digital data, bookmark and visit<\/p>\n\n\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/www.rbc.com\/cyber-security\/index.html?_gl=1*1iusvl3*_gcl_au*MzE4MTc0MjA0LjE3NzMzMzg1NTQ.*_ga*Mzc4NjE5MTE5LjE3MjQ2ODM1NjE.*_ga_89NPCTDXQR*czE3NzY3ODk3NzMkbzIzNyRnMSR0MTc3Njc4OTgwNiRqMjckbDAkaDA.&amp;_ot=1776789845234-1%3A1%2C2%3A1%2C3%3A1%2C4%3A1\" target=\"_blank\" data-dig-id=\"LP-97774-50a993ed\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC\u2019s Cyber Security Hub\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">RBC\u2019s Cyber Security Hub<\/a>.<\/p>\n<\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\">FAQs<\/h2>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2274956a\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2274956a\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97774-2274956a\" aria-controls=\"accordion2274956a\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Do I have to accept cookies to use a website?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Do I have to accept cookies to use a website?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2274956a\" role=\"region\" aria-labelledby=\"accordion-title2274956a\"><div class=\"collapse-inner\">\n<p>No. Many sites allow you to accept only essential cookies. Regulations like the GDPR were designed to give you control over your data and browsing history. Keep in mind, on some sites, some features may be limited when you refuse cookies.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title2a72b3ba\" class=\"collapse-toggle collapsed\" data-target=\"#accordion2a72b3ba\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97774-2a72b3ba\" aria-controls=\"accordion2a72b3ba\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Can I change app permissions later?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Can I change app permissions later?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion2a72b3ba\" role=\"region\" aria-labelledby=\"accordion-title2a72b3ba\"><div class=\"collapse-inner\">\n<p>Yes. You can adjust permissions anytime in your device settings.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleed7a34f5\" class=\"collapse-toggle collapsed\" data-target=\"#accordioned7a34f5\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97774-ed7a34f5\" aria-controls=\"accordioned7a34f5\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Are all app permissions risky?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Are all app permissions risky?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordioned7a34f5\" role=\"region\" aria-labelledby=\"accordion-titleed7a34f5\"><div class=\"collapse-inner\">\n<p>No. Many app permissions are necessary for apps to function. The key is to make sure they align with the app\u2019s purpose.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title846904a1\" class=\"collapse-toggle collapsed\" data-target=\"#accordion846904a1\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97774-846904a1\" aria-controls=\"accordion846904a1\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"What should I do when a cookie pop-up appears?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>What should I do when a cookie pop-up appears?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion846904a1\" role=\"region\" aria-labelledby=\"accordion-title846904a1\"><div class=\"collapse-inner\">\n<p>Look for \u201cManage Preferences\u201d or \u201cEssential Only\u201d instead of automatically selecting \u201cAccept All.\u201d<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titleff663b46\" class=\"collapse-toggle collapsed\" data-target=\"#accordionff663b46\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-97774-ff663b46\" aria-controls=\"accordionff663b46\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"Should I avoid third-party cookies completely?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>Should I avoid third-party cookies completely?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionff663b46\" role=\"region\" aria-labelledby=\"accordion-titleff663b46\"><div class=\"collapse-inner\">\n<p>Not necessarily, but it\u2019s worth being selective. They often involve sharing your data beyond the site you\u2019re visiting, which can reduce your control over how it\u2019s used.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s easy to accept cookies or allow app permissions without a second thought \u2013 but these quick choices shape how your data is collected and used. Here\u2019s how to stay in control without disrupting your digital life.<\/p>\n","protected":false},"author":90,"featured_media":97775,"parent":57322,"menu_order":0,"template":"wp-custom-template-mmm-sticky-nav","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[524,135],"rbc_content_type":[31],"rbc_audience":[261,110,231,59,39,93,49,61],"rbc_lob_group":[133],"rbc_difficulty_level":[33],"rbc_mmm_category":[321,376,304,375],"class_list":["post-97774","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-cyber-security","tag-cyber-tips","rbc_content_type-article","rbc_audience-black","rbc_audience-business-owners","rbc_audience-indigenous","rbc_audience-newcomer","rbc_audience-parents","rbc_audience-seniors","rbc_audience-students","rbc_audience-youth","rbc_lob_group-cyber-security","rbc_difficulty_level-beginner","rbc_mmm_category-cyber-security","rbc_mmm_category-cyber-security-for-business","rbc_mmm_category-money-academy","rbc_mmm_category-understanding-cyber-safety"],"acf":{"contently_publication_id":"","custom_author":"Royal Bank of Canada","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":[{"title":"Understanding app permissions","url":"#h-understanding-app-permissions"},{"title":"Understanding cookies","url":"#h-understanding-cookies"},{"title":"How to stay in control: Digital privacy best practices","url":"#h-how-to-stay-in-control-digital-privacy-best-practices"},{"title":"FAQs","url":"#h-faqs"}],"rbc_toc_for_mmm_action":"Generate Table Of Contents"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Accepting cookies or allowing app permissions without a second thought quickly shapes how your data is collected and used. 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