Cookie Policy

Last Updated: January 2026

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website or use an application. Cookies help websites remember your preferences, improve your user experience, and provide analytics about how the site is used. ElRoi Pay uses cookies and similar tracking technologies to enhance your experience and ensure the security of our Services.

2. Types of Cookies We Use

2.1 Essential Cookies

These cookies are necessary for the ElRoi Pay platform to function properly. They enable core functionality such as:

  • User authentication and session management
  • Security features and fraud prevention
  • Load balancing and service availability
  • Transaction processing and payment routing

Duration: Session cookies (deleted when you close your browser) or up to 30 days for persistent authentication.

Can be disabled: No. Disabling essential cookies will prevent you from using ElRoi Pay Services.

2.2 Performance and Analytics Cookies

These cookies help us understand how users interact with ElRoi Pay, allowing us to improve our Services. They collect information about:

  • Pages visited and features used
  • Time spent on different sections
  • Error messages and technical issues
  • User journey and navigation patterns
  • Device type, browser, and operating system

Duration: Up to 2 years

Can be disabled: Yes, through your browser settings or our cookie preferences.

2.3 Functional Cookies

These cookies remember your preferences and choices to provide a personalized experience:

  • Language preference (English/Français)
  • Currency display settings
  • Dashboard layout preferences
  • Notification settings
  • Recently used payment methods

Duration: Up to 1 year

Can be disabled: Yes, but this may affect your user experience.

2.4 Security and Fraud Prevention Cookies

These cookies help protect your account and detect suspicious activity:

  • Device fingerprinting for fraud detection
  • Login attempt monitoring
  • Unusual transaction pattern detection
  • Multi-factor authentication tokens

Duration: Up to 90 days

Can be disabled: No. These are essential for account security.

2.5 Marketing and Advertising Cookies

These cookies are used to deliver relevant advertisements and measure campaign effectiveness:

  • Targeted advertising based on your interests
  • Retargeting campaigns
  • Social media integration (Facebook, Twitter, LinkedIn)
  • Conversion tracking for marketing campaigns

Duration: Up to 1 year

Can be disabled: Yes, through your browser settings or our cookie preferences.

3. Third-Party Cookies

ElRoi Pay uses third-party services that may set their own cookies. These include:

Google Analytics

Used for website analytics and user behavior tracking.

Payment Processors

Banks, mobile money operators, and card networks may set cookies during payment processing.

Customer Support Tools

Live chat and support ticket systems may use cookies to maintain conversation history.

Social Media Platforms

Facebook, Twitter, and LinkedIn may set cookies when you interact with social sharing features.

We do not control third-party cookies. Please review the privacy policies of these third parties for more information about their cookie practices.

4. How to Manage Cookies

4.1 Browser Settings

Most web browsers allow you to control cookies through their settings. You can:

  • Block all cookies
  • Block third-party cookies only
  • Delete cookies after each browsing session
  • Set exceptions for specific websites

Instructions for popular browsers:

  • Chrome: Settings → Privacy and security → Cookies and other site data
  • Safari: Preferences → Privacy → Manage Website Data
  • Firefox: Options → Privacy & Security → Cookies and Site Data
  • Edge: Settings → Cookies and site permissions → Manage and delete cookies

4.2 ElRoi Pay Cookie Preferences

You can manage your cookie preferences directly in the ElRoi Pay app by going to Settings → Privacy → Cookie Preferences. Here you can enable or disable non-essential cookies.

4.3 Mobile App Tracking

On mobile devices, you can control tracking through your device settings:

  • iOS: Settings → Privacy → Tracking → Disable "Allow Apps to Request to Track"
  • Android: Settings → Google → Ads → Opt out of Ads Personalization

4.4 Opt-Out Links

You can opt out of certain third-party cookies:

5. Impact of Disabling Cookies

If you disable cookies, certain features of ElRoi Pay may not function properly:

  • You may need to log in every time you visit
  • Your preferences and settings will not be saved
  • Some payment features may not work correctly
  • Security features may be less effective
  • You may see less relevant content and advertisements

Note: Disabling essential cookies will prevent you from using ElRoi Pay Services entirely.

6. Cookie Consent

When you first visit ElRoi Pay, you will see a cookie consent banner. By clicking "Accept All Cookies," you consent to our use of all cookies as described in this policy. You can also click "Manage Preferences" to choose which types of cookies to allow. You can change your cookie preferences at any time through your account settings.

7. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. We will notify you of material changes by posting the updated policy on our website and in the app. The "Last Updated" date at the top of this policy indicates when it was last revised.

8. Contact Us

If you have questions about our use of cookies, contact us:

ElRoi Pay Privacy Team

Email: privacy@elroipay.com

Phone: +233 (0) 30 123 4567

Address: One Health Global Technologies FZ-LLC, Dubai, UAE

Quick Reference: Cookie Summary Table

Cookie TypePurposeDurationCan Disable?
EssentialAuthentication, securitySession - 30 daysNo
PerformanceAnalytics, improvementsUp to 2 yearsYes
FunctionalPreferences, personalizationUp to 1 yearYes
SecurityFraud preventionUp to 90 daysNo
MarketingAdvertising, campaignsUp to 1 yearYes