Cookie Policy

1. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used to make websites work efficiently, provide a better user experience, and supply information to the site owner.

Cookies can be "first-party" (set by us) or "third-party" (set by services we use). They can also be "session" cookies (deleted when you close your browser) or "persistent" cookies (remaining on your device for a set period or until you delete them).

2. How We Use Cookies

We use cookies for the following purposes:

2.1 Strictly Necessary Cookies

These cookies are essential for the operation of our Sites. They enable core functionality such as security, account authentication, and session management. You cannot opt out of these cookies as the Sites cannot function properly without them.

• Authentication cookies: Keep you signed in while you use the application
• Security cookies: Help detect and prevent fraudulent activity and protect your account
• Session cookies: Maintain your session state as you navigate between pages
• CSRF tokens: Protect against cross-site request forgery attacks

2.2 Functional Cookies

These cookies allow us to remember your preferences and provide enhanced, personalized features.

• Language preferences: Remember your selected language
• Display settings: Remember your preferred currency display, dark/light mode, and layout choices
• Recent activity: Remember your recent transaction recipients for convenience

2.3 Analytics Cookies

These cookies help us understand how visitors interact with our Sites by collecting and reporting information anonymously. This helps us improve the user experience.

• Google Analytics: Tracks page views, session duration, bounce rate, and user flow through the site
• Firebase Analytics: Provides insights into app usage patterns and user engagement

Analytics data is aggregated and anonymized. We do not use analytics cookies to identify individual users.

2.4 Marketing Cookies

We may use marketing cookies to deliver relevant advertisements and measure the effectiveness of our marketing campaigns. These cookies track your browsing activity across websites to build a profile of your interests.

We currently use minimal marketing cookies. If we expand our use of marketing cookies in the future, we will update this policy and provide appropriate consent mechanisms.

3. Similar Technologies

In addition to cookies, we may use other similar technologies:

• Local Storage: Used to store application data locally on your device for performance (e.g., caching user preferences)
• Session Storage: Temporary storage that is cleared when you close your browser tab
• Pixel Tags (Web Beacons): Small, transparent images used in emails or on web pages to track engagement
• Firebase SDK: Used for authentication, real-time database operations, and analytics within our web application

4. Third-Party Cookies

The following third-party services may set cookies when you use our Sites:

• Google (Analytics, Firebase): Site analytics and application infrastructure — Google Privacy Policy
• Sumsub: Identity verification during KYC — Sumsub Privacy Notice
• Stripe: Payment processing — Stripe Privacy Policy

We do not control how these third parties use cookies. Please refer to their respective privacy policies for more information.

5. Your Choices

You have several options for controlling cookies:

5.1 Browser Settings

Most web browsers allow you to control cookies through their settings. You can set your browser to block or delete cookies, or to alert you when a cookie is being set. Note that blocking or deleting cookies may affect the functionality of our Sites.

Instructions for popular browsers:

• Chrome: Settings → Privacy and Security → Cookies and other site data
• Firefox: Settings → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Privacy, search, and services → Cookies

5.2 Opt-Out of Analytics

You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

5.3 Do Not Track

Some browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not want your browsing activity tracked. We currently respond to DNT signals by disabling analytics cookies.

6. Data Retention

Cookie-related data is retained as follows:

• Session cookies: Deleted when you close your browser
• Authentication cookies: Expire after 30 days of inactivity
• Preference cookies: Retained for up to 12 months
• Analytics cookies: Data retained for up to 26 months (Google Analytics default)

7. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for operational, legal, or regulatory reasons. We will post any changes on this page and update the "Last Updated" date. We encourage you to review this policy periodically.

8. Contact Us

If you have questions about our use of cookies, please contact us: