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Cookie Policy

Last updated: 15 January 2025 · Effective: 15 January 2025

GDPR · ePrivacy · NDPR compliant

MyroPay Technologies Ltd ("MyroPay", "we", "us", or "our") uses cookies and similar tracking technologies to improve your experience on our platform. This Cookie Policy explains what cookies are, how we use them, and how you can manage your preferences.

This policy applies to all MyroPay services, including our website (myropay.com), web application (app.myropay.com), and mobile applications. By continuing to use our platform, you consent to our use of cookies as described in this policy, except where you have set your preferences otherwise.

Table of contents
1. What are cookies? 2. How we use cookies 3. Categories of cookies we use 4. Detailed cookie table 5. Third-party cookies 6. How to control and delete cookies 7. Cookie consent management 8. Updates to this policy 9. Contact us

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 help us recognise your device, remember your preferences, and understand how you interact with our platform. Cookies are widely used to make websites work more efficiently and provide useful information to website operators.

We also use similar technologies such as local storage, session storage, and pixels. For simplicity, we refer to all these technologies as "cookies" throughout this policy.

2. How we use cookies

We use cookies for the following purposes:

  • Essential functionality: to enable core features like login, authentication, security, and transaction processing. Without these cookies, the platform would not work properly.
  • Preferences and personalisation: to remember your language preferences, currency settings, theme (light/dark), and other customisations.
  • Performance and analytics: to understand how users interact with our platform, which features are most popular, and where we can improve. This helps us enhance the user experience.
  • Security: to detect and prevent fraud, unauthorised access, and other security threats.
  • Session management: to maintain your session state as you navigate between pages, ensuring a seamless experience.

We do not use cookies for marketing or advertising purposes. We do not share your cookie data with advertisers or ad networks. Your privacy is our priority.

3. Categories of cookies we use

Essential (Strictly Necessary) Cookies Always active

These cookies are necessary for the platform to function and cannot be switched off in our systems. They are usually set in response to actions you take, such as logging in, filling in forms, or setting security preferences. You can set your browser to block these cookies, but some parts of the platform will then not work.

Legal basis: Our legitimate interest to provide a functioning service and comply with security obligations.

Functional (Preference) Cookies Opt-in required

These cookies enable enhanced functionality and personalisation, such as remembering your language preferences, currency choices, and dashboard layout. They are non-essential to the core service but improve your experience.

Legal basis: Your consent (GDPR Art. 6(1)(a) and Art. 7).

Analytics (Performance) Cookies Opt-in required

These cookies allow us to count visits and traffic sources, so we can measure and improve the performance of our platform. They help us understand which pages are most and least popular, and how users navigate the site. All data is aggregated and anonymised.

Legal basis: Your consent (GDPR Art. 6(1)(a) and Art. 7).

Marketing Cookies Not used

MyroPay does not use marketing or advertising cookies. We do not track your browsing behaviour for advertising purposes, nor do we share data with third-party advertisers. We believe in privacy-first financial services.

Status: Not applicable — we do not deploy marketing cookies.

The table below lists the specific cookies we use on our platform:

Cookie Name Purpose Type Duration Data shared
myro_session Maintains your authenticated session Essential Session Session ID (anonymised)
myro_csrf CSRF protection for forms and API requests Essential Session Security token
myro_secure Enhanced security flag for HTTPS Essential Session Security flag
myro_prefs Stores user preferences (language, currency, theme) Functional 6 months Preference selections
myro_device Device fingerprint for fraud prevention Essential 12 months Device ID (hashed)
_ga Google Analytics — distinguishes unique users Analytics 2 years Client ID (anonymised)
_ga_* Google Analytics — session and campaign data Analytics 2 years Session data (aggregated)
myro_consent Stores your cookie consent preferences Essential 12 months Consent status
myro_notice_dismissed Remembers when you've dismissed a notice Functional 3 months Dismissal timestamp

Note: Session cookies are deleted when you close your browser. Persistent cookies remain on your device for the duration listed or until you manually delete them.

5. Third-party cookies

We use a limited number of third-party services that may set cookies on your device. These services are carefully selected for their strong privacy and security practices.

  • Google Analytics (GA4): We use Google Analytics to understand how users interact with our platform. Data is collected in an anonymised and aggregated form. We have enabled IP anonymisation in our GA4 configuration. Learn more about Google's privacy practices.
  • Cloudflare: Our CDN and security provider uses cookies for performance optimisation and bot detection. These are essential for the platform's security and performance.
  • GitHub: We use GitHub to host our documentation. GitHub may set cookies when you visit our documentation pages. Learn more about GitHub's privacy policy.

We do not use Facebook pixels, LinkedIn Insights, TikTok pixels, or any other social media tracking on our platform. We do not share cookie data with any advertising network or data broker.

6. How to control and delete cookies

You have the right to decide whether to accept or reject cookies. You can control and manage cookies in several ways:

Manage via our cookie consent tool

When you first visit our platform, you will see a cookie banner that allows you to accept all cookies, accept essential-only, or manage your preferences. You can change your preferences at any time by clicking the "Cookie preferences" link in the footer of our website, or by opening the cookie banner again (available at the bottom of every page).

Browser settings

Most web browsers allow you to control cookies through their settings. You can choose to block all cookies, delete existing cookies, or set your browser to alert you when a cookie is being set. Below are links to instructions for the most common browsers:

Opt-out of analytics

You can opt-out of Google Analytics tracking entirely by installing the Google Analytics Opt-out Browser Add-on. This add-on prevents Google Analytics from tracking your visits to our site.

Important note

Blocking essential cookies may affect the functionality of our platform. For example, you may not be able to log in, make transactions, or access certain features. We recommend only blocking cookies if you understand the implications.

We use a consent management platform that records your preferences and respects your choices. Here's how we handle consent:

  • First-time visitors: When you first visit our platform, you will see a cookie banner asking for your consent to non-essential cookies. Essential cookies are always active because they are necessary for the platform to function.
  • Your choices: You can choose to "Accept all" (consent to functional and analytics cookies), "Essential only" (consent only to essential cookies), or manage specific preferences.
  • Withdrawing consent: You can withdraw your consent at any time by updating your preferences. We will then stop using non-essential cookies on your device.
  • Consent records: We keep a record of your consent (date, time, and choices) for compliance purposes. This record is stored securely and not used for any other purpose.

For users in the EU and UK, our consent management process complies with the ePrivacy Directive and GDPR. For users in Nigeria, it complies with the NDPR requirements for consent.

8. Updates to this policy

We may update this Cookie Policy from time to time to reflect changes in our practices, legal requirements, or technology. When we make material changes, we will notify you by email (if you are a registered user) and/or by placing a prominent notice on our platform.

The "Last updated" date at the top of this page will always show the most recent version. We encourage you to review this policy periodically.

9. Contact us

If you have any questions about our use of cookies or this Cookie Policy, please contact us:

  • Email: privacy@myropay.com
  • DPO: dpo@myropay.com
  • Post: Data Protection Officer, MyroPay Technologies Ltd, 18a farm Villa Estate, Chevron Alt drive, Lekki, Lagos, Nigeria
This policy was last reviewed by our Data Protection Officer on 15 January 2025 and is compliant with the EU ePrivacy Directive, EU General Data Protection Regulation (GDPR), UK GDPR, Nigeria Data Protection Regulation (NDPR), and Ghana Data Protection Act.