Cookie Policy

Effective Date: January 1, 2025

1. Introduction

This Cookie Policy explains how PayPetal uses cookies and similar tracking technologies when you use our website, mobile application, and related services. By continuing to use PayPetal, you consent to the use of cookies as described in this policy, unless you disable them through your browser or device settings.

2. What Are Cookies

Cookies are small text files stored on your device when you visit a website or use an application. They help us improve functionality, security, and user experience. We also use similar technologies such as pixels, SDKs, and local storage.

3. Types of Cookies We Use

3.1 Essential Cookies

These cookies are necessary for the platform to function properly. They enable:

  • Account login and authentication
  • Secure transactions
  • Fraud prevention and security features

Without these cookies, PayPetal services cannot function correctly.

3.2 Performance and Analytics Cookies

These cookies help us understand how users interact with PayPetal by collecting anonymized usage data, including:

  • App performance metrics
  • Feature usage patterns
  • Error tracking and diagnostics

This helps us improve stability and user experience.

3.3 Functional Cookies

These cookies remember your preferences and settings, such as:

  • Language settings
  • Saved preferences
  • User interface customization

3.4 Security Cookies

These cookies help protect your account and transactions by detecting:

  • Suspicious login attempts
  • Fraudulent or automated activity
  • Unauthorized access

4. Third-Party Cookies

We may allow trusted third-party service providers to place cookies on your device for:

  • Payment processing support
  • Analytics services
  • Fraud detection and security monitoring

These third parties operate under their own privacy and cookie policies.

5. How We Use Cookie Data

We use cookie-related data to:

  • Authenticate users securely
  • Improve platform performance
  • Detect and prevent fraud
  • Analyze usage trends
  • Enhance user experience and personalization

Cookies do not give us direct access to your personal files or device storage.

6. Managing Cookies

You can manage or disable cookies through your browser or device settings. However, disabling essential cookies may affect the functionality of PayPetal services, including login and transactions.

7. Data Retention

Cookie data is retained only for as long as necessary to fulfill its purpose. Some cookies are session-based and are deleted when you close your browser, while others may persist for a defined period.

8. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology, regulations, or our services. Any updates will be posted on our platform, and continued use of PayPetal constitutes acceptance of the updated policy.

9. Contact Us

If you have any questions about this Cookie Policy, please contact us:

  • Email: contactus@paypetalhq.com
  • Phone: +234 (0) 7077319147
  • Address: 2 Ogo Oluwa Estate, Airport, Ibadan, Oyo State, Nigeria

By using PayPetal, you acknowledge that you have read and understood this Cookie Policy.