Cookie Policy

Last updated: May 20, 2025

1. Introduction

This Cookie Policy explains how GrinaPay ("we", "us", or "our") uses cookies and similar technologies when you visit our website, mobile application, or use our services (collectively, the "Services").

By using our Services, you consent to the use of cookies and similar technologies in accordance with this Cookie Policy.

2. What Are Cookies?

Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently and provide information to the website owners. Cookies can be "persistent" or "session" cookies. Persistent cookies remain on your device when you go offline, while session cookies are deleted as soon as you close your web browser.

3. Types of Cookies We Use

We use the following types of cookies:

3.1 Essential Cookies

These cookies are necessary for the website to function properly. They enable core functionality such as security, network management, and account access. You cannot opt out of these cookies.

3.2 Performance Cookies

These cookies collect information about how visitors use our website, such as which pages they visit most often and if they receive error messages. They help us improve how our website works and understand user behavior.

3.3 Functionality Cookies

These cookies allow the website to remember choices you make (such as your language preference or the region you are in) and provide enhanced, personalized features.

3.4 Targeting/Advertising Cookies

These cookies are used to deliver advertisements that are more relevant to you and your interests. They are also used to limit the number of times you see an advertisement and help measure the effectiveness of advertising campaigns.

4. Regional Cookie Regulations

4.1 European Union

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, we comply with the EU ePrivacy Directive (Cookie Law) and the General Data Protection Regulation (GDPR) regarding cookies and similar technologies. This means:

• We obtain your consent before placing non-essential cookies on your device
• We provide clear and comprehensive information about the cookies we use
• We make it easy for you to withdraw your consent and manage your cookie preferences
• We only use essential cookies without consent

4.2 United States

If you are located in the United States, various state laws may apply to our use of cookies and similar technologies:

• California: Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), cookies that identify you or your device may be considered "personal information" and "sharing" of personal information, giving you the right to opt out
• Virginia, Colorado, Connecticut, Utah: These states' privacy laws give consumers the right to opt out of targeted advertising and profiling, which often involves cookies

4.3 Africa

If you are located in Africa, various data protection laws may apply to our use of cookies:

• South Africa: Under the Protection of Personal Information Act (POPIA), cookies that collect personal information are subject to the same requirements as other forms of personal information processing
• Nigeria: The Nigeria Data Protection Regulation (NDPR) requires consent for processing personal data, which may include data collected through cookies
• Other African countries: We comply with applicable cookie and tracking technology regulations in all countries where we operate

5. Third-Party Cookies

Some cookies are placed by third parties on our behalf. Third parties include search engines, providers of measurement and analytics services, social media networks, and advertising companies. These third parties may use cookies, web beacons, and similar technologies to collect information about your use of our Services and other websites.

We use the following third-party services that may place cookies on your device:

• Google Analytics (analytics)
• Facebook Pixel (advertising)
• Stripe (payment processing)
• Intercom (customer support)
• Hotjar (user behavior analysis)

6. Similar Technologies

In addition to cookies, we may use other similar technologies, such as:

6.1 Web Beacons

Small graphic images (also known as "pixel tags" or "clear GIFs") that may be included on our Services and that typically work in conjunction with cookies to identify our users and user behavior.

6.2 Local Storage

Technologies like HTML5 localStorage and IndexedDB that provide web applications with methods and protocols for storing client-side data.

6.3 Mobile Device Identifiers

Unique identifiers associated with your mobile device, such as the device ID, advertising ID, or other identifiers.

7. Managing Cookies

Most web browsers allow you to manage your cookie preferences. You can set your browser to refuse cookies, or to alert you when cookies are being sent. The methods for doing so vary from browser to browser, and from version to version. However, managing cookies through your browser settings could impact your experience using our Services.

You can generally find information on how to manage cookie settings on browser websites. Here are links to information for common browsers:

• Google Chrome
• Mozilla Firefox
• Apple Safari
• Microsoft Edge

7.1 Region-Specific Opt-Out Mechanisms

Depending on your location, you can opt out of some third-party cookies through the following services:

• EU/UK: Your Online Choices (EU)
• US: Digital Advertising Alliance
• Global: Google Analytics Opt-out Browser Add-on

8. Cookie Consent

When you first visit our website, you may be presented with a cookie banner that allows you to accept or decline non-essential cookies. You can change your preferences at any time by clicking on the "Cookie Preferences" link in the footer of our website.

The way we obtain and manage consent varies by region to comply with local laws:

• EU/UK: We use an explicit opt-in consent mechanism
• US: We provide a clear notice and opt-out mechanism
• Africa: We follow the specific requirements of each country's data protection laws

9. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology, regulation, or our business practices. Any changes will become effective when we post the revised Cookie Policy. Your continued use of our Services following these changes means that you accept the revised Cookie Policy.

10. Contact Us

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

GrinaPay Privacy Office
Email: info@grinapay.com
Address: 8 The Green Street R Dover, DE 19901, United States