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MiarichPay
Cookie Policy – MiarichPay

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:

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.