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Cookie Policy

1. Introduction

This Cookie Policy explains how Kobopay Inc. (“Kobopay,” “we,” “us,” or “our”) uses cookies, pixels, software development kits, local storage, device identifiers, analytics technologies, and similar technologies collectively referred to as “cookies” in connection with our websites, mobile applications, dashboards, APIs, and online Services.

This Cookie Policy should be read together with our Privacy Policy.

2. What cookies are

Cookies are small files or pieces of information stored on your browser, device, or app. They help websites and apps remember information about your visit, device, preferences, login session, security status, and interactions.

Similar technologies may include pixels, tags, SDKs, local storage, session storage, device identifiers, and tracking scripts.

3. Types of cookies we use

3.1 Strictly necessary cookies

These cookies are required for the Services to function. They help with:

  • Account login and authentication.
  • Session management.
  • Security and fraud prevention.
  • Load balancing.
  • Consent preference storage.
  • Payment flow completion.
  • Form submission.
  • Account and dashboard functionality.

You cannot disable strictly necessary cookies through our cookie preference tools because the Services may not work without them.

3.2 Performance and analytics cookies

These cookies help us understand how users interact with the Services. They may collect information about pages visited, features used, errors, crashes, referral sources, device type, session duration, and interaction patterns.

We use this information to improve performance, fix issues, understand adoption, and enhance user experience.

3.3 Functional cookies

Functional cookies help remember your preferences and settings, such as:

  • Language preference.
  • Region or country selection.
  • Display preferences.
  • Previously entered form information.
  • Dashboard preferences.
  • Support chat state.

3.4 Advertising and marketing cookies

Where permitted by law and subject to your choices, we may use advertising and marketing cookies to:

  • Measure marketing campaign performance.
  • Understand referral sources.
  • Deliver relevant content.
  • Limit repeated advertising.
  • Attribute signups to campaigns or partners.
  • Build audiences for Kobopay marketing.

We do not use marketing cookies where consent is required unless appropriate consent has been obtained.

3.5 Security, compliance, and fraud prevention technologies

Because Kobopay provides financial technology services, we may use cookies and similar technologies for security, compliance, and fraud prevention, including:

  • Device fingerprinting.
  • Bot detection.
  • Login risk analysis.
  • Account takeover prevention.
  • Transaction risk scoring.
  • Abuse detection.
  • Sanctions, fraud, and compliance controls.

These technologies help protect users, Kobopay, partners, and the financial system.

4. Third-party cookies

Some cookies may be placed by third parties that provide services to us, such as analytics providers, fraud prevention providers, identity verification providers, customer support tools, advertising platforms, payment processors, and embedded content providers.

Third-party providers may process information according to their own privacy policies. We encourage you to review their policies and available opt-out tools.

5. Cookie consent and preferences

Where required by law, we will request your consent before using non-essential cookies. You can manage cookie preferences through our cookie banner, cookie preference centre, browser settings, device settings, or other tools we provide.

You may withdraw or change cookie consent at any time.

If you block or delete cookies, some Services may not function properly.

6. Browser and device controls

Most browsers allow you to block, delete, or manage cookies. Mobile devices may also allow you to control advertising identifiers, app tracking permissions, location access, and push notification permissions.

Your settings may need to be adjusted separately on each browser and device you use.

7. Do Not Track and global privacy controls

Some browsers offer “Do Not Track” or global privacy control signals. Our response to these signals may depend on applicable law, technical feasibility, and the specific Services you use. Where required by applicable law, we will honor recognized opt-out signals.

8. Updates to this Cookie Policy

We may update this Cookie Policy from time to time. We will post the updated version with a new “Last updated” date. Where required, we will provide additional notice or request consent for material changes.

9. Contact

For questions about this Cookie Policy, contact:

Kobopay Inc.Email: hello@kobopay.coAddress: 8 Nelson St. W, Brampton, ON L6X 1B7, Canada