Cookie Policy

1. Introduction

This Cookie Policy explains how Paybydemand ("we", "us", "our", or "the Platform") uses cookies and similar tracking technologies when you visit our website and use our services. This policy should be read in conjunction with our Privacy Policy and Terms of Use.

2. What Are Cookies?

Cookies are small text files that are placed on your device (computer, tablet, or mobile device) when you visit a website. Cookies are widely used to make websites work more efficiently and to provide information to website owners.

Cookies can be "persistent" or "session" cookies:

• Persistent cookies remain on your device for a set period or until you delete them
• Session cookies are temporary and are deleted when you close your browser

3. How We Use Cookies

We use cookies and similar technologies for the following purposes:

3.1 Essential Cookies

These cookies are necessary for the Platform to function properly. They enable core functionality such as security, network management, and accessibility. You cannot opt out of essential cookies as they are required for the Platform to operate.

Essential cookies include:

• Authentication cookies to keep you logged in
• Security cookies to protect against fraud and unauthorized access
• Load balancing cookies to distribute traffic across servers
• Session management cookies to maintain your session

3.2 Functional Cookies

These cookies enhance the functionality of the Platform by remembering your preferences and choices, such as language settings, theme preferences, and form data. These cookies improve your user experience.

Functional cookies include:

• Preference cookies that remember your settings
• Language selection cookies
• Form data cookies that remember information you've entered

3.3 Analytics Cookies

These cookies help us understand how visitors interact with the Platform by collecting and reporting information anonymously. This helps us improve the Platform's performance and user experience.

Analytics cookies may collect:

• Pages visited and time spent on pages
• Click patterns and navigation paths
• Device and browser information
• Traffic sources and referral information

3.4 Performance Cookies

These cookies collect information about how you use the Platform, such as which pages you visit most often and if you receive error messages. These cookies help us improve the performance of the Platform.

4. Third-Party Cookies

In addition to our own cookies, we may use third-party cookies from trusted partners. These third parties may set cookies on your device when you use the Platform. We do not control these third-party cookies, and you should review the privacy policies of these third parties for more information.

4.1 Analytics Providers

We may use analytics services such as Google Analytics, Vercel Analytics, or similar services to help us analyze how users interact with the Platform. These services may use cookies to collect information about your use of the Platform.

4.2 Email Service Providers

We use email service providers to send demand letters and notifications. These providers may use cookies or tracking pixels in emails to track email delivery and open rates.

5. Types of Cookies We Use

The following table describes the types of cookies we use:

6. Managing Cookies

You have the right to accept or reject cookies. Most web browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies if you prefer. However, if you choose to decline cookies, some features of the Platform may not function properly.

6.1 Browser Settings

You can control cookies through your browser settings. Here are links to instructions for popular browsers:

• Google Chrome
• Mozilla Firefox
• Safari
• Microsoft Edge

6.2 Cookie Consent

When you first visit the Platform, you may be presented with a cookie consent banner. You can accept or reject non-essential cookies through this banner. You can also change your cookie preferences at any time by adjusting your browser settings or contacting us.

6.3 Opt-Out Tools

You can opt out of certain third-party cookies by visiting the opt-out pages of the relevant third-party providers:

• Google Analytics Opt-Out
• Other third-party opt-out tools as applicable

7. Local Storage and Similar Technologies

In addition to cookies, we may use other storage technologies such as:

• Local Storage: Data stored locally in your browser
• Session Storage: Temporary data stored for the duration of your session
• Web Beacons: Small images embedded in emails or web pages
• Pixel Tags: Tracking pixels used to monitor email opens and website visits

These technologies serve similar purposes to cookies and are subject to the same controls and preferences.

8. Do Not Track Signals

Some browsers include a "Do Not Track" (DNT) feature that signals to websites you visit that you do not want to have your online activity tracked. Currently, there is no standard for how DNT signals should be interpreted. As such, we do not currently respond to DNT signals. We will continue to monitor developments around DNT technology and may update this policy accordingly.

9. Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of material changes by posting the updated Cookie Policy on the Platform and updating the "Last updated" date.

10. Contact Us

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

Email: support@balogunharold.com