Cookie Policy

1. Introduction

This Cookie Policy explains how Seamless Payments, Inc. (“SeamlessPay,” “we,” “our,” or “us”) uses cookies, tracking technologies, and similar data collection mechanisms when you access or interact with SeamlessPay.com and related services, portals, applications, APIs, or digital interfaces (collectively, the “Services”).

Because SeamlessPay operates payments infrastructure, fraud-prevention tools, authentication technologies, and compliance-sensitive systems, certain cookies and tracking technologies are essential to maintaining security, service integrity, regulatory compliance, and operational performance.

By continuing to use our Services, you acknowledge the use of cookies as described in this Policy, subject to applicable consent requirements under relevant law.

2. What Are Cookies

Cookies are small text files stored on your device when you visit a website. They allow systems to:

• Recognize devices and sessions
• Maintain secure authenticated connections
• Analyze performance and usability
• Detect fraud or abuse
• Support regulatory compliance obligations
• Improve service reliability and user experience

Cookies may be first-party (set by SeamlessPay) or third-party (set by trusted service providers).

3. Categories of Cookies We Use

Strictly Necessary Cookies
These cookies are essential for the operation, security, and reliability of our Services. They cannot be disabled without impairing functionality.

They include cookies used for:

• Secure session authentication
• Payment workflow integrity
• Tokenization infrastructure support
• Fraud monitoring and transaction verification
• Load balancing and system stability
• Compliance logging and audit requirements

Because of the financial infrastructure nature of our Services, these cookies may operate even where consent exemptions apply under applicable law.

Performance and Analytics Cookies
These cookies help us understand how visitors interact with our Services so we can improve performance, usability, and reliability.

Typical uses include:

• Page performance measurement
• Error monitoring
• Infrastructure optimization
• User experience improvements
• Feature adoption analysis

Analytics data is generally aggregated and pseudonymized wherever feasible.

Functional Cookies
These cookies enhance user experience by remembering preferences or configuration choices.

Examples include:

• Language or regional settings
• Interface customization
• Authentication persistence
• Developer portal configuration preferences

These cookies improve usability but are not strictly required for basic site functionality.

Security and Fraud Prevention Cookies
Given SeamlessPay’s role in payment processing and risk mitigation, certain cookies support:

• Fraud detection models
• Bot identification
• Account protection measures
• Transaction anomaly detection
• Risk scoring signals
• PCI-aligned security controls

These cookies may operate continuously to protect merchants, partners, and consumers.

Marketing and Communications Cookies (Where Applicable)
Where permitted by law and user consent, these cookies help:

• Measure marketing effectiveness
• Deliver relevant informational content
• Track engagement with educational resources
• Improve outreach communications

SeamlessPay does not sell personal data obtained via cookies.

4. Third-Party Cookies

We may use trusted third-party providers to support:

• Analytics and performance monitoring
• Security and fraud prevention
• Infrastructure reliability
• Customer support tools
• Marketing effectiveness measurement

These providers are contractually obligated to use data only for defined business purposes consistent with confidentiality, data protection, and regulatory compliance requirements.

5. Cookie Duration

Cookies may be:

Session Cookies:
Expire automatically when you close your browser.

Persistent Cookies:
Remain until expiration or manual deletion. These support:

• Security continuity
• Fraud monitoring
• User preference retention
• Infrastructure optimization

Retention periods vary based on operational necessity, legal obligations, and security considerations.

6. Your Choices and Controls

Depending on your jurisdiction, you may have rights to:

• Accept or reject non-essential cookies
• Configure browser cookie settings
• Delete existing cookies
• Control tracking preferences
• Exercise privacy rights under applicable law

Browser settings generally allow you to block or delete cookies, but doing so may impair functionality, especially within secure payment environments.

7. Data Protection and Privacy Integration

Cookie-derived data may be combined with other information as described in our Privacy Policy for purposes including:

• Service delivery
• Fraud prevention
• Compliance obligations
• Performance optimization
• Customer support

SeamlessPay implements administrative, technical, and organizational safeguards designed to protect data consistent with:

• PCI DSS expectations
• Applicable privacy laws (including GDPR where applicable)
• Financial services security standards
• Industry best practices

8. International Users

If you access our Services from outside the United States, cookies and related data may be processed in jurisdictions with different data protection frameworks.

Where legally required, SeamlessPay implements safeguards such as:

• Standard contractual clauses
• Data processing agreements
• Security controls aligned with cross-border compliance obligations

9. Updates to This Policy

We may update this Cookie Policy periodically to reflect:

• Regulatory developments
• Technology changes
• Security requirements
• Service enhancements

Updated versions will be posted with a revised “Last Updated” date.

10. Contact Information

For questions regarding this Cookie Policy, data practices, or privacy rights:
Privacy Office
Seamless Payments, Inc.

Email: privacy@seamlesspay.com
Website: seamlesspay.com