Cookie Policy
Your privacy is important to us at Untitled. We respect your privacy regarding any
information we may collect from you across our website.
1. Introduction
This Cookie Policy explains how Cruisepay Finance Ltd (“CruisePay,” “we,” “our,” or “us”) uses cookies and similar tracking technologies on our website and platform (collectively, the “Site”). This Policy should be read in conjunction with our Privacy Policy. By using our Site, you consent to the use of cookies in accordance with this Policy. You can manage your cookie preferences as described in Section 6 below.
2. What Are Cookies?
Cookies are small text files that are placed on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used to make websites work efficiently, improve user experience, and provide information to the site operators. Cookies can be “persistent” (remaining on your device until they expire or you delete them) or “session” (deleted when you close your browser). In addition to cookies, we may use similar technologies such as web beacons (pixel tags), local storage, and device fingerprinting for the purposes described in this Policy.
3. Types of Cookies We Use
3.1 Strictly Necessary Cookies
These cookies are essential for the operation of our Site and Services. They enable core functionality such as secure login, session management, fraud prevention, and compliance with security requirements. These cookies cannot be disabled without impairing the functionality of our platform.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| session_id | Maintains your authenticated session and ensures secure access to your Account. | Session | First-party |
| csrf_token | Protects against cross-site request forgery attacks when submitting forms or transactions. | Session | First-party |
| device_trust | Recognizes trusted devices for multi-factor authentication and fraud prevention. | 90 days | First-party |
| consent_prefs | Stores your cookie consent preferences. | 12 months | First-party |
3.2 Functional Cookies
These cookies enable enhanced functionality and personalization, such as remembering your language preference, display settings, and recently used features.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| lang_pref | Remembers your preferred language for the platform interface. | 12 months | First-party |
| display_settings | Stores display preferences such as currency format and timezone. | 12 months | First-party |
| recent_beneficiaries | Caches recently used beneficiary details for faster transaction entry. | Session | First-party |
3.3 Analytics and Performance Cookies
These cookies collect information about how visitors use our Site. This information is used to improve the performance and usability of our Site. All data collected is aggregated and anonymized.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| _ga / _gid | Google Analytics — distinguishes unique users and tracks usage. | _ga: 2 yrs; _gid: 24 hrs | Third-party |
| _gat | Google Analytics — throttles request rate for data management. | 1 minute | Third-party |
| perf_metrics | Collects performance data for platform optimization. | 30 days | First-party |
3.4 Marketing and Advertising Cookies
CruisePay does not currently use marketing or advertising cookies. If this changes in the future, this Policy will be updated and your consent will be requested before any marketing cookies are placed.
4. Third-Party Cookies
Some cookies on our Site are placed by third-party service providers. These third parties have their own privacy and cookie policies. CruisePay does not control these third-party cookies. The third-party services we currently use include Google Analytics (analytics) and Identity verification service providers (fraud prevention).
5. Cookies and Compliance Obligations
Certain cookies used on our Site are necessary to comply with our legal obligations under the PCMLTFA, including session management for secure authentication and device recognition for fraud prevention. These cookies cannot be disabled.
6. Managing Your Cookie Preferences
6.1 Cookie Consent Banner
When you first visit our Site, you will be presented with a banner that allows you to accept or decline non-essential cookies. Strictly necessary cookies are always active.
6.2 Browser Settings
Most web browsers allow you to control cookies through their settings. You can delete individual cookies or block them entirely. Please note that disabling cookies may affect the functionality of our Site.
6.3 Opt-Out Links
You can opt out of Google Analytics tracking by installing the Google Analytics Opt-Out Browser Add-on.
7. Do Not Track Signals
Our Site does not currently respond to “Do Not Track” (DNT) browser signals, as there is no industry-standard interpretation for financial services platforms.
8. Data Retention for Cookies
Cookie data is retained for the periods specified in the tables above. Analytics data derived from cookies is retained in aggregated, anonymized form for up to 26 months.
9. International Data Transfers
Some cookie data may be processed outside Canada, including by Google LLC (United States). Where such transfers occur, appropriate safeguards are in place.
10. Changes to This Cookie Policy
We may update this Cookie Policy from time to time. Changes will be posted on our Site with an updated effective date.
11. Contact Information
If you have questions about this Cookie Policy, please contact:
Privacy Officer, Cruisepay Finance Ltd
44322 Yale Rd Unit 3B #180 Chilliwack , BC, V2R 4H1 Canada
Email: [email protected]