COOKIE POLICY

1.2 Why We Use Cookies

We use cookies and similar technologies to:

• Ensure the proper functioning and security of our Platform
• Remember your preferences and settings
• Authenticate users and prevent fraudulent activity
• Analyze how our Platform is used to improve our services
• Measure the effectiveness of our communications

3. Strictly Necessary Cookies

Consent Required: No (these cookies are essential for the Platform to function)

These cookies are essential for the operation of our Platform. They enable core functionality such as security, authentication, and accessibility. The Platform cannot function properly without these cookies, and they cannot be disabled.

3.1 Security Cookies

These cookies are critical for protecting your account and transactions:

4. Functional Cookies

Consent Required: Yes

Functional cookies enable enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these features may not function properly.

4.1 Third-Party Functional Cookies

5. Analytics and Performance Cookies

Consent Required: Yes

These cookies collect information about how visitors use our Platform, such as which pages are visited most often and whether users receive error messages. The information collected is aggregated and anonymous. We use this information to improve how our Platform works.

5.1 First-Party Analytics

5.2 Google Analytics

We use Google Analytics to understand how visitors interact with our Platform.

Google Analytics Data Processing:

• IP Anonymization: Enabled (your IP address is anonymized before storage)
• Data Sharing: Disabled with Google products and services
• Data Retention: Set to 14 months
• User-ID: Not enabled

For more information about Google Analytics, please visit: https://policies.google.com/privacy

Opt-out: You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on: https://tools.google.com/dlpage/gaoptout

5.3 Other Analytics Providers

6. Marketing and Advertising Cookies

Consent Required: Yes

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 to help measure the effectiveness of advertising campaigns.

Important Note: Monitiva does not sell your personal data to advertisers. We use marketing cookies solely to:

• Measure the effectiveness of our own marketing campaigns
• Understand how users find our Platform
• Improve our marketing communications

6.1 Advertising Platform Cookies

6.2 Attribution and Conversion Tracking

7. Social Media Cookies

Consent Required: Yes

These cookies are set by social media services that we have added to the Platform to enable you to share our content with your networks. They are capable of tracking your browser across other sites and building a profile of your interests.

Note: If you choose to share content via social media, those platforms will set their own cookies according to their privacy policies. We recommend reviewing the cookie policies of the respective social media platforms:

• Facebook: https://www.facebook.com/policies/cookies/
• Twitter/X: https://twitter.com/privacy
• LinkedIn: https://www.linkedin.com/legal/cookie-policy

8. Payment and Verification Cookies

Consent Required: No (necessary for service delivery)

These cookies are set by our payment processors and identity verification partners to enable secure transactions and compliance with regulatory requirements.

8.1 Payment Processing

8.2 Identity Verification (KYC)

9. Similar Technologies

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

9.1 Web Beacons (Pixel Tags)

Small transparent images embedded in web pages or emails that allow us to:

• Track whether emails have been opened
• Measure campaign effectiveness
• Understand user behavior on our Platform

9.2 Local Storage

Browser local storage that allows us to:

• Store larger amounts of data locally
• Maintain application state
• Cache data for improved performance

9.3 Session Storage

Similar to local storage but cleared when the browser session ends:

• Temporary form data
• Navigation state
• Session-specific preferences

9.4 Device Fingerprinting

We may collect technical information about your device for security and fraud prevention purposes:

• Screen resolution
• Installed fonts
• Browser plugins
• Time zone
• Language settings

This information is used solely for security purposes and to protect your account from unauthorized access.

10. Managing Your Cookie Preferences

10.1 Cookie Consent Banner

When you first visit our Platform, you will see a cookie consent banner that allows you to:

• Accept All Cookies: Enable all cookie categories
• Reject Non-Essential: Only enable strictly necessary cookies
• Customize: Choose which cookie categories to enable

10.2 Changing Your Preferences

You can change your cookie preferences at any time by:

• Cookie Settings Link: Click on "Cookie Settings" in the footer of our website
• Email Request: Contact us at privacy@monitiva.com
• Browser Settings: Use your browser's cookie management features

10.3 Browser-Level Controls

Most browsers allow you to control cookies through their settings. Here's how to manage cookies in popular browsers:

For mobile devices:

• iOS Safari: Settings → Safari → Privacy & Security
• Android Chrome: Settings → Site Settings → Cookies

10.4 Do Not Track (DNT) Signals

Our Platform currently does not respond to Do Not Track (DNT) browser signals. However, you can use the cookie management options described above to control tracking on our Platform

10.5 Global Privacy Control (GPC)

We honor Global Privacy Control (GPC) signals where required by applicable law. If your browser sends a GPC signal, we will treat it as a request to opt out of non-essential cookies.

11. Impact of Disabling Cookies

11.1 Strictly Necessary Cookies

If you block strictly necessary cookies:

• You will not be able to log in to your account
• Security features may not function properly
• You may not be able to complete transactions
• The Platform may become unusable

Recommendation: Do not disable strictly necessary cookies.

11.2 Functional Cookies

If you disable functional cookies:

• Your preferences will not be remembered between visits
• You may need to re-enter information each time you visit
• Some features like saved beneficiaries may not work
• Customer support chat may not function properly

11.3 Analytics Cookies

If you disable analytics cookies:

• We will have less insight into how to improve our services
• You may still see the same content and features
• Your user experience will not be directly affected

11.4 Marketing Cookies

If you disable marketing cookies:

• You will still see advertisements, but they may be less relevant
• We cannot measure the effectiveness of our marketing campaigns
• Your experience on our Platform will not be directly affected

12. Cookies and International Transfers

Some of our cookie providers may process data outside of Canada. When this occurs, we ensure appropriate safeguards are in place:

For more information about international data transfers, please see our Privacy Policy.

13. Cookies and Children

Our Platform is not intended for use by individuals under 18 years of age. We do not knowingly collect cookie data from children. If you believe a child has used our Platform, please contact us at privacy@monitiva.com.

14. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect:

• Changes in the cookies we use
• Changes in applicable laws and regulations
• Changes in our business practices

14.1 Notification of Changes

We will notify you of material changes by:

• Updating the "Last Updated" date at the top of this policy
• Displaying a notice on our Platform
• Resetting your cookie preferences if new consent is required

14.2 Version History

15. Legal Basis for Cookie Use

15.1 Under Canadian Law (PIPEDA)

We rely on the following legal bases for using cookies:

• Implied Consent: For strictly necessary cookies that are essential for the Platform to function
• Express Consent: For all other cookies, obtained through our cookie consent mechanism

15.2 Under Quebec Law (Act 25)

For Quebec residents:

• We provide clear information about our use of cookies before setting them
• We obtain express consent for non-essential cookies
• We provide easy mechanisms to withdraw consent

15.3 Under EU Law (GDPR and ePrivacy Directive)

For EU/EEA users:

• Strictly Necessary Cookies: Legitimate interest (no consent required)
• All Other Cookies: Express consent obtained via our cookie banner

16. Third-Party Cookie Policies

For detailed information about how our third-party partners use cookies, please refer to their privacy and cookie policies:

17. Contact Us

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

Paytex Solutions Ltd. (Monitiva)

18. Cookie Inventory Summary

Quick Reference Table

— End of Cookie Policy —

This Cookie Policy is part of our commitment to transparency and compliance with PIPEDA, Quebec's Act 25, GDPR, and the ePrivacy Directive.

Last reviewed: December 2025