Cookie Policy
Last updated: January 27, 2026
Introduction
This Cookie Policy explains how ChatPay ("we," "us," or "our") uses cookies and similar tracking technologies when you visit our website at www.chatpayhq.com and interact with our services. This policy should be read in conjunction with our Privacy Policy and Terms of Service.
By continuing to use our website and services, you consent to our use of cookies as described in this policy. You can manage your cookie preferences at any time through your browser settings.
Note: ChatPay's core service operates through WhatsApp, which is a third-party platform. This Cookie Policy primarily applies to our website. For information about WhatsApp's use of cookies and tracking technologies, please refer to Meta's Cookie Policy.
What Are Cookies?
Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.
Cookies can be "persistent" or "session" cookies:
- Persistent cookies: Remain on your device until they expire or you delete them. They help us recognize you as a returning visitor.
- Session cookies: Are temporary and deleted when you close your browser. They help us track your journey through our website during a single visit.
We also use similar technologies such as web beacons, pixels, and local storage to enhance your experience and analyze website usage.
Types of Cookies We Use
1. Essential Cookies
These cookies are strictly necessary for the operation of our website. They enable core functionality such as security, network management, and accessibility. Without these cookies, our website cannot function properly.
Examples:
- Authentication and login session management
- Security and fraud prevention
- Load balancing and website performance
- Cookie consent preferences
Can you opt out? No. These cookies are essential for the website to function.
2. Performance and Analytics Cookies
These cookies collect information about how visitors use our website, such as which pages are visited most often and error messages. This helps us improve our website's performance and user experience.
Examples:
- Google Analytics - website traffic and user behavior analysis
- Hotjar - heatmaps and user session recordings
- Error tracking and diagnostic tools
- Page load time and performance monitoring
Can you opt out? Yes. You can disable these cookies through browser settings or our cookie preferences.
3. Functionality Cookies
These cookies allow our website to remember your preferences and choices (such as language, region, or display settings) to provide a more personalized experience.
Examples:
- Language and region preferences
- Display settings (e.g., text size, theme)
- Previously viewed pages and content
- Customer support chat preferences
Can you opt out? Yes, but this may affect certain features and personalization.
4. Advertising and Targeting Cookies
These cookies are used to deliver relevant advertisements and marketing content. They track your browsing activity across different websites to build a profile of your interests.
Examples:
- Facebook Pixel - for targeted advertising on Facebook and Instagram
- Google Ads - for display advertising across Google's network
- LinkedIn Insight Tag - for B2B advertising
- Retargeting and remarketing campaigns
Can you opt out? Yes. You can opt out through browser settings, ad preference centers, or industry opt-out tools.
5. Social Media Cookies
These cookies enable social media features and allow you to share content from our website on social platforms. They are set by third-party social media services.
Examples:
- Facebook, Twitter, and LinkedIn share buttons
- Social media feed integrations
- Social login authentication
Can you opt out? Yes, but social sharing features may not work properly.
Third-Party Cookies and Services
We use various third-party services that may set cookies on your device. These third parties have their own privacy policies and cookie policies:
Google Services
- Google Analytics (analytics and reporting)
- Google Ads (advertising)
- Google Tag Manager (tag management)
Learn more: Google Cookie Policy
Meta Platforms (Facebook/WhatsApp)
- Facebook Pixel (advertising and analytics)
- WhatsApp Business API (service delivery)
Learn more: Meta Cookie Policy
Customer Support Tools
- Intercom or Zendesk (customer support chat)
- Help desk and ticketing systems
Payment and Security Partners
- Payment processors and gateways
- Fraud detection and prevention services
- Banking and financial services partners
How to Manage and Control Cookies
Browser Settings
Most web browsers allow you to control cookies through their settings. You can set your browser to:
- Block all cookies
- Block third-party cookies only
- Delete cookies when you close your browser
- Accept or reject cookies on a case-by-case basis
- Receive notifications when cookies are being set
Browser-Specific Instructions:
- Google Chrome: Settings → Privacy and Security → Cookies and other site data
- Safari: Preferences → Privacy → Cookies and website data
- Firefox: Options → Privacy & Security → Cookies and Site Data
- Microsoft Edge: Settings → Privacy, search, and services → Cookies and site permissions
- Mobile Browsers: Check your device's settings menu for cookie controls
Opt-Out Tools
You can also use industry opt-out tools to manage advertising cookies:
- Network Advertising Initiative (NAI): www.networkadvertising.org/choices/
- Digital Advertising Alliance (DAA): www.aboutads.info/choices/
- European Interactive Digital Advertising Alliance (EDAA): www.youronlinechoices.eu/
- Google Ads Settings: adssettings.google.com
Do Not Track (DNT)
Some browsers offer a "Do Not Track" (DNT) feature that sends a signal to websites requesting not to track your browsing. ChatPay respects DNT signals where technically feasible, though there is no industry standard for how to respond to DNT.
Important: Blocking or deleting cookies may affect your ability to use certain features of our website. Some functionality may not work properly if cookies are disabled.
Cookie Retention Periods
Different cookies have different retention periods:
| Cookie Type | Retention Period |
|---|---|
| Session cookies | Deleted when browser is closed |
| Essential cookies | Up to 1 year |
| Analytics cookies | Up to 2 years |
| Advertising cookies | Up to 13 months |
| Preference cookies | Up to 1 year |
Mobile Applications and WhatsApp
ChatPay's primary service operates through the WhatsApp messaging platform. WhatsApp uses various technologies to provide its services:
- WhatsApp does not use traditional browser cookies but may use similar technologies for authentication and service delivery
- Mobile advertising identifiers (such as Apple's IDFA or Google's AAID) may be used for analytics
- Device identifiers and information may be collected for security and fraud prevention
For information about WhatsApp's data practices, please review the WhatsApp Privacy Policy.
Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of significant changes by:
- Posting the updated policy on our website
- Updating the "Last updated" date at the top of this policy
- Sending notifications through our website banner or email (for material changes)
We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies.
Questions About Cookies?
If you have questions or concerns about our use of cookies, please contact us:
Email: hello@chatpayhq.com
WhatsApp: Message us through the ChatPay service
Postal Address: ChatPay Data Protection Officer, Lagos, Nigeria