1. Introduction

This Cookies Policy (the "Policy") outlines how 1507612 B.C. LTD. [BC1507612] and its brand "CrossWavePay" ("CrossWavePay," "CrossWavePay" "we," "us," or "our") utilize cookies and similar technologies across our digital platforms, including our websites, mobile applications, and other services ("CrossWavePay Platform"). The Policy governs the relationship between you ("Client" or "you") and CrossWavePay in connection with your use of our services and the deployment of cookies and similar technologies to enhance your experience on the CrossWavePay Platform.

We encourage you to thoroughly review this Policy to understand how cookies are used, your rights concerning their use, and how they contribute to the overall functionality and optimization of our services. This Policy is designed to provide you with transparent and detailed information about the types of cookies we use, the purposes they serve, and the legal grounds for their deployment, including your consent, our legitimate interests, and the legitimate interests of third parties, in accordance with applicable laws and regulations.

Please note that this Policy is part of the broader CrossWavePay General Terms and Conditions and should be read in conjunction with our Privacy Policy. It does not apply to any digital services directed at children. By continuing to use the CrossWavePay Platform, you acknowledge and accept the use of cookies as described in this Policy.

2. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, tablet, etc.) by websites that you visit or by certain emails you open. These files are widely used across the internet to make websites function more efficiently and to provide information to the website owners. Cookies serve various purposes, such as enabling core site functionalities, improving user experience by remembering your preferences and settings, and allowing the collection of statistical data to optimize the performance and design of the website.

Cookies can be classified based on their duration and origin:

• Session Cookies are temporary files that are erased when you close your browser. These cookies allow websites to link your actions during a particular session and are essential for maintaining security as you navigate through pages.
• Persistent Cookies remain on your device for a specified period or until they are manually deleted. These cookies are useful for remembering your preferences and actions across multiple sessions, enhancing your experience on the website.

Cookies can also be classified based on their origin:

• First-Party Cookies are those set directly by the website you are visiting. They enable core functionalities such as security, authentication, and remembering your preferences.
• Third-Party Cookies are set by domains other than the one you are visiting. These are typically used for tracking and online advertising purposes, allowing us and our partners to deliver relevant content and measure the effectiveness of advertising campaigns.

Cookies and similar technologies, such as web beacons, pixels, and local storage, are also employed to track your interactions with the CrossWavePay Platform, analyze trends, administer the website, and gather demographic information about our user base as a whole. By continuing to use the CrossWavePay Platform, you consent to the placement of cookies on your device as outlined in this Policy.
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You have control over the use of cookies and can adjust your browser settings to refuse all or some cookies or to alert you when cookies are being sent. However, please be aware that disabling cookies may affect the functionality of the CrossWavePay Platform and your ability to access certain features.

3. How Do We Use Cookies?

At CrossWavePay, we utilize cookies and similar technologies for a variety of purposes, all aimed at enhancing your experience on our platform, ensuring security, and improving our services. These cookies serve multiple functions, ranging from recognizing your device when you revisit our platform to analyzing your interactions with our services to provide you with a more tailored and secure experience.

Recognition and Personalization. Cookies allow us to recognize you as a returning user of the CrossWavePay Platform. This recognition enables us to offer personalized content and features, such as recommending services that align with your preferences and displaying customized content based on your previous interactions. By remembering your settings, such as language preferences and login details, we ensure that your experience on our platform is seamless and consistent.

Performance and Analytics. We use cookies to monitor and analyze the performance of the CrossWavePay Platform. These analytics help us understand how users engage with our services, which features are most popular, and where improvements may be needed. By collecting data on your interactions with our platform, we can optimize the design, content, and functionality to better meet your needs. This information is typically aggregated and anonymized, meaning it does not personally identify you.

Security and Fraud Prevention. Cookies are crucial for maintaining the security of our platform. They help us detect and prevent fraudulent activities by monitoring unusual behavior and mitigating potential risks. For example, cookies enable us to identify when multiple failed login attempts occur, allowing us to take proactive measures to protect your account. Additionally, these technologies are used to verify your identity and ensure that your account is accessed only by authorized individuals.

Marketing and Advertising. We use cookies to deliver targeted advertisements that are relevant to your interests. By analyzing your behavior on our platform and, in some cases, across other websites, we can serve ads that are more likely to be of interest to you. This targeted approach helps us enhance the effectiveness of our marketing efforts while providing you with content that is more aligned with your preferences. We may also use cookies to track the performance of our advertising campaigns, allowing us to refine our strategies and measure their impact.

Functionality and User Experience. Cookies play a vital role in ensuring that the CrossWavePay Platform operates smoothly and efficiently. They enable essential features such as user authentication, session management, and load balancing, which are necessary for the platform to function correctly. By remembering your preferences and settings, cookies also help us provide a more intuitive and user-friendly experience, reducing the need for you to re-enter information each time you visit.

Third-Party Cookies. In some cases, we partner with third-party service providers who may place cookies on your device when you interact with the CrossWavePay Platform. These third-party cookies are used to collect information about your browsing habits and online behavior, which can then be used to deliver targeted advertising and analyze website traffic. While we do not control the data collected by third-party cookies, we ensure that these providers adhere to stringent data protection standards and use the information solely for the purposes agreed upon.

Aggregate Data Creation. Cookies also allow us to create aggregate data about user groups and categories, which can be used by us, our partners, and third-party providers to deliver tailored services and marketing promotions. This data helps us understand broader trends and user behaviors, enabling us to introduce new features and services that meet the evolving needs of our clients.

By leveraging cookies in these ways, CrossWavePay is able to offer a secure, personalized, and efficient platform experience that aligns with your expectations and preferences. However, you have the option to manage your cookie preferences through your browser settings, allowing you to control the extent to which cookies are used during your interactions with our platform.

4. Types of Cookies Used by CrossWavePay

At CrossWavePay, we utilize a variety of cookies to ensure our platform operates efficiently and delivers a seamless, customized experience to our users. These cookies serve different roles, from ensuring basic functionality to providing insights that help us improve our services. Below is a breakdown of the types of cookies we employ:

• Essential Cookies. Essential Cookies are critical for the functionality of the CrossWavePay Platform. These cookies enable core features, such as secure user authentication, session continuity, and access to protected areas of the platform. Without these cookies, certain essential services you request cannot be provided. While you may opt to block these cookies via your browser settings, doing so may significantly impair the performance and functionality of the platform, rendering some services inaccessible.
• Customization Cookies. Customization Cookies allow CrossWavePay to enhance your experience by remembering your preferences and choices, such as language settings or personalized content preferences. These cookies enable us to tailor the platform to your specific needs, ensuring that your interactions are smoother and more aligned with your expectations. If you choose to disable these cookies, certain features may not function optimally, limiting your ability to fully engage with our services.
• Analytical and Performance Cookies. Analytical and Performance Cookies collect anonymized data on how users interact with the CrossWavePay Platform. This includes metrics such as page load times, user navigation patterns, and the frequency of errors encountered. By analyzing this data, we gain insights into the areas where our platform can be improved, allowing us to make data-driven enhancements that elevate the user experience. The information gathered by these cookies is used solely for statistical analysis and performance optimization.
• Advertising and Targeting Cookies. Advertising and Targeting Cookies are used to deliver content and advertisements that are more relevant to your interests. These cookies track your interactions both within the CrossWavePay Platform and across other websites, enabling us and our advertising partners to create a profile of your preferences. This profile is then used to present you with advertisements and content that are tailored to your interests, enhancing the relevance and effectiveness of our marketing efforts. If you choose to opt-out of these cookies, you may still see advertisements, but they will be less personalized.
• Social Interaction Cookies. Social Interaction Cookies facilitate your engagement with social media networks by enabling sharing and interaction features on the CrossWavePay Platform. These cookies also allow social media platforms to track your online behavior across various websites, helping them build a profile that could influence the content and ads you see elsewhere on the internet. If you disable these cookies, your ability to share content or interact with social media features may be restricted.
• Temporary Session Cookies. Temporary Session Cookies are used to manage your interactions during a single session on the CrossWavePay Platform. These cookies are active only while your browser is open and are deleted once you log out or close the browser. They play a crucial role in maintaining the security and integrity of your session, ensuring that your actions are properly linked and authenticated during your visit.
• Long-Term Persistent Cookies. Long-Term Persistent Cookies remain on your device for a specified duration or until manually deleted. These cookies help us recognize returning users, retain your settings and preferences over time, and provide you with a consistent user experience. Additionally, these cookies support our efforts to deliver tailored content and marketing messages based on your previous interactions with the platform.
• Proprietary and External Cookies. Proprietary Cookies are directly set by CrossWavePay and are used primarily for the essential operation and customization of our platform. External Cookies are implemented by third parties, such as our analytics and advertising partners. These cookies collect data that helps us and our partners understand user behavior across different sites, contributing to more relevant advertising and a better overall experience. CrossWavePay ensures that any third-party cookies used on our platform comply with strict privacy standards and are employed only for the intended purposes.

By understanding the various types of cookies we employ, you can make informed decisions about your online experience. You have the autonomy to manage these cookies through your browser settings, giving you control over how your data is collected and used while interacting with the CrossWavePay Platform.

5. Why Do We Use Cookies?

We utilize cookies for a variety of purposes, including the following:

• To recognize you when you log in, allowing us to offer personalized recommendations, tailor content to your preferences, and provide customized features and services.
• To keep track of your specific settings, such as language preferences and interface configurations, ensure the platform consistently operates according to your personal preferences during each visit.
• To analyze how you and other users interact with the platform, gaining insights that enable us to refine our services, improve usability, and introduce new features that better meet your needs.
• To monitor usage patterns and detect potential threats, helping us safeguard your account and maintain the overall security and integrity of the CrossWavePay Platform.
• To compile aggregate data on our user base, allowing us and our partners to deliver targeted marketing campaigns and personalized advertisements that align with your interests, while preventing you from being overwhelmed by repetitive ads.
• To assess the effectiveness of promotional efforts and new features, ensuring our services remain cutting-edge and effective, while continuously enhancing your experience on the platform.

6. How To Manage Cookies?

At CrossWavePay, we prioritize giving you control over how cookies are utilized during your interaction with our platform. While cookies are integral to enhancing your user experience and ensuring the smooth operation of our services, we understand the importance of allowing you to manage or restrict their use according to your preferences.

Managing Cookies in Your Browser

Most modern web browsers offer the ability to manage cookies, including options to block, allow, or delete cookies entirely. To assist you in managing cookies according to your preferences, we have provided links to the support pages for the most commonly used browsers. These links offer detailed instructions on how to control cookie settings:

• Google Chrome: Manage cookies in Chrome
• Mozilla Firefox: Manage cookies in Firefox
• Safari: Manage cookies in Safari
• Microsoft Edge: Manage cookies in Edge

For mobile devices, you can also manage cookies through your browser settings. Here are the support links for the most common mobile browsers:

• Safari on iOS: Manage cookies in Safari for iOS

Cookie Management Tools

In addition to browser settings, there are several third-party tools available that offer enhanced control over cookies. These tools can automatically block tracking cookies, manage permissions on a per-site basis, and provide detailed insights into cookie activity.

Impact of Managing Cookies

It is important to note that blocking or restricting cookies, especially essential ones, may affect your experience on the CrossWavePay Platform. Certain features, such as secure login, session management, and personalized content delivery, rely on cookies to function correctly. Disabling these cookies could lead to a less optimal experience or limit your access to certain services.

We encourage you to periodically review your cookie settings to ensure they reflect your privacy preferences while still allowing you to enjoy the full functionality of the CrossWavePay Platform. For a deeper understanding of how cookies are used and their role in your user experience, please refer to our Cookies Policy.

By utilizing these tools and resources, you can effectively manage your cookie preferences, ensuring that your privacy is maintained while using the CrossWavePay Platform.

7. General Provisions

1. The content of this Policy is provided for informational purposes and general guidance. While we strive to ensure the accuracy and completeness of the information contained herein, CrossWavePay does not warrant or guarantee that the content is free from errors or inaccuracies. We disclaim any liability for any such inaccuracies or omissions to the fullest extent permitted by applicable law.
2. CrossWavePay reserves the right to modify, update, or enhance this Policy, including the list of cookies and their purposes, at any time. Such changes will take effect immediately upon being published on the CrossWavePay Platform unless otherwise specified. We recommend that you review this Policy periodically to stay informed about any revisions. Your continued use of the CrossWavePay Platform after changes have been made signifies your acceptance of the updated terms.
3. The section titles and headings used in this Policy are included for convenience only and do not influence the interpretation of any provisions.
4. The non-enforcement or delay in enforcing any right or provision of this Policy by CrossWavePay does not constitute a waiver of that right or provision. CrossWavePay retains the right to enforce any provision of this Policy at any time.
5. Your rights and obligations under this Policy are personal to you and cannot be assigned or transferred without the prior written consent of CrossWavePay. CrossWavePay reserves the right to assign or transfer its rights and obligations under this Policy to any third party, at any time and without notice, to the extent permitted by law.
6. This Policy has been drafted and executed in English. In the event that any translation of this Policy is provided, the English version shall prevail in the case of any discrepancies or conflicts.
7. If you have any questions, concerns, or require further clarification regarding this Policy or CrossWavePay’s data practices, please feel free to contact us at business@crosswavepay.com or reach out to our Data Protection Officer at business@crosswavepay.com.

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