Cookie Policy
MiarichPay – Transparent Cookie Usage
Effective Date: June 20, 2025
1. What Are Cookies?
Cookies are small text files that are stored on your device when you visit our website or use our services. They help us provide you with a better experience by remembering your preferences, keeping you logged in, and helping us understand how you use our services.
Your Control: You have full control over cookies and can manage your preferences at any time through your browser settings or our cookie preference center.
This Cookie Policy explains what cookies we use, why we use them, and how you can control them. It should be read together with our Privacy Policy for a complete understanding of how we handle your information.
2. Types of Cookies We Use
Essential Cookies
Performance Cookies
Functional Cookies
Marketing Cookies
3. Specific Cookies We Use
Below is a detailed list of the cookies used on our platform:
Cookie Name | Purpose | Duration | Type |
---|---|---|---|
miarich_session | Maintains user session and login state | Session | Essential |
miarich_csrf | Cross-site request forgery protection | Session | Essential |
miarich_preferences | Stores user preferences and settings | 1 year | Functional |
miarich_analytics | Website usage analytics and performance | 2 years | Performance |
miarich_marketing | Marketing campaign tracking | 1 year | Marketing |
4. Third-Party Cookies
We also use third-party services that may set their own cookies:
Analytics Services
- Google Analytics: Helps us understand website usage patterns
- Hotjar: Provides user behavior analytics and feedback
- Mixpanel: Tracks user interactions and engagement
Security Services
- Cloudflare: Provides security and performance optimization
- reCAPTCHA: Protects against automated abuse
Customer Support
- Intercom: Powers our customer support chat system
- Zendesk: Manages customer support tickets
Third-Party Control: These services have their own cookie policies. We recommend reviewing their policies to understand how they use cookies.
5. How We Use Cookies
Essential Functions
- Maintaining your login session
- Protecting against security threats
- Enabling secure transactions
- Remembering your language preferences
- Load balancing across our servers
Improving Your Experience
- Personalizing content and recommendations
- Remembering your dashboard preferences
- Providing relevant help and support
- Streamlining the user interface
Analytics and Optimization
- Understanding how our services are used
- Identifying areas for improvement
- Measuring performance and reliability
- Testing new features and functionality
6. Cookie Consent and Management
Initial Consent
When you first visit our website, we display a cookie banner that explains our use of cookies and requests your consent for non-essential cookies. You can:
- Accept all cookies
- Reject non-essential cookies
- Customize your cookie preferences
- Learn more about each cookie category
Managing Your Preferences
You can change your cookie preferences at any time by:
- Using our Cookie Preference Center
- Adjusting your browser settings
- Contacting our support team
- Using browser extensions or tools
Easy Access: Look for the “Cookie Preferences” link in our website footer to access your settings at any time.
7. Browser Settings
Blocking Cookies
Most browsers allow you to control cookies through their settings. You can typically:
- Block all cookies
- Block third-party cookies only
- Delete existing cookies
- Set cookies to expire when you close your browser
- Receive notifications when cookies are set
Browser-Specific Instructions
- Chrome: Settings > Privacy and Security > Cookies
- Firefox: Options > Privacy & Security > Cookies
- Safari: Preferences > Privacy > Cookies
- Edge: Settings > Cookies and Site Permissions
Impact on Functionality: Blocking or deleting cookies may affect the functionality of our website and services. Some features may not work properly without certain cookies.
8. Mobile App Cookies
Our mobile applications may also use similar technologies to cookies:
Local Storage
- App preferences and settings
- Temporary session data
- Offline functionality support
- Performance optimization
Mobile Identifiers
- Device identifiers for analytics
- Push notification tokens
- App usage tracking
- Security and fraud prevention
You can manage these through your device settings or app preferences.
9. Data Retention
Different types of cookies are retained for different periods:
Session Cookies
Deleted automatically when you close your browser or log out of your account.
Persistent Cookies
- Essential cookies: Until you log out or clear browser data
- Functional cookies: Up to 1 year
- Analytics cookies: Up to 2 years
- Marketing cookies: Up to 1 year
Cookies are automatically deleted when they reach their expiration date, or you can delete them manually through your browser settings.
10. International Transfers
Some of our third-party service providers may be located outside your country, which means cookie data may be transferred internationally. We ensure that:
- Appropriate safeguards are in place
- Data protection standards are maintained
- Transfers comply with applicable laws
- Your rights are protected regardless of location
11. Do Not Track
We respect “Do Not Track” browser settings and other privacy preferences:
- We honor browser Do Not Track signals
- Marketing cookies are disabled when DNT is enabled
- Analytics cookies may be limited or anonymized
- Essential cookies remain necessary for functionality
Privacy by Default: We implement privacy-friendly defaults and respect your privacy choices across all our services.
12. Children’s Privacy
Our services are not intended for children under 18, and we do not knowingly collect information from children. If you are a parent or guardian and believe we have collected information about a child, please contact us immediately.
We take additional precautions to protect children’s privacy and comply with applicable laws such as COPPA.
13. Updates to This Policy
We may update this Cookie Policy from time to time to reflect:
- Changes in our cookie usage
- New legal requirements
- Technology updates
- Service improvements
We will notify you of significant changes through our website banner, email notifications, or other appropriate means. Continued use of our services after such notices constitutes acceptance of the updated policy.
14. Your Rights
Depending on your location, you may have specific rights regarding cookies and personal data:
- Right to consent: Clear, informed consent for non-essential cookies
- Right to withdraw: Withdraw consent at any time
- Right to object: Object to certain types of processing
- Right to access: Information about cookies and data collected
- Right to deletion: Request deletion of cookie data
15. Contact Us
If you have questions about our use of cookies or need help managing your preferences:
MiarichPay Headquarters
Company Name: Finanz-DATA GmbH Beratungs- und Softwarehaus
Email: [email protected]
Phone: +49 3621 45100
Address: Helenenstr. 3, 99867 Gotha,Deutschland
Business Hours: Monday – Friday, 9:00 AM – 6:00 PM EST
Website: miarichpay.com
You can also access our Cookie Preference Center directly from our website footer to manage your settings instantly.