Cookie Policy

Last Updated: October 1, 2025

Welcome to Zepay Money's Cookie Policy. EVYAPARPAY TECHNOLOGIES PRIVATE LIMITED, operating under the brand name Zepay Money, uses cookies and similar technologies to enhance your experience on our website and mobile applications. This policy explains what cookies are, how we use them, and your choices regarding their use.

1. What Are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile) when you visit a website. They help websites remember information about your visit, making your browsing experience more efficient and personalized.

Key Features of Cookies:

• Small data files stored locally on your device
• Help websites remember your preferences and settings
• Enable personalized content and functionality
• Improve website performance and user experience
• Can be session-based or persistent

2. Types of Cookies We Use

Essential Cookies:

• Authentication Cookies: Keep you logged in during your session
• Security Cookies: Protect against fraudulent activities
• Session Management: Maintain your session state across pages
• Load Balancing: Distribute traffic across our servers

Functional Cookies:

• Language Preferences: Remember your selected language
• User Interface: Save your display preferences
• Form Data: Remember information you've entered
• Accessibility: Support accessibility features you've enabled

Performance Cookies:

• Analytics: Collect information about website usage
• Speed Optimization: Help us improve page load times
• Error Tracking: Help us identify and fix technical issues
• A/B Testing: Enable us to test different features

Marketing Cookies:

• Advertising: Show relevant advertisements
• Personalization: Customize content based on your interests
• Campaign Tracking: Measure marketing campaign effectiveness
• Social Media: Enable social media sharing features

3. How We Use Cookies

For Financial Services:

• Transaction Security: Verify and secure your transactions
• Fraud Prevention: Detect and prevent fraudulent activities
• Session Management: Maintain secure sessions during transactions
• Payment Processing: Facilitate AEPS, UPI, and other payment services

For User Experience:

• Personalization: Remember your preferences and settings
• Service History: Show your recent transactions and activities
• Auto-fill: Remember frequently used information
• Language: Maintain your language preference

For Analytics and Improvement:

• Usage Analytics: Understand how you use our services
• Performance Monitoring: Track website and app performance
• Feature Testing: Test new features and improvements
• Error Tracking: Identify and resolve technical issues

4. Managing Your Cookie Preferences

Browser Settings:

You can manage cookies through your browser settings:

• Google Chrome: Settings > Advanced > Privacy and Security > Site Settings > Cookies
• Firefox: Options > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Manage Website Data
• Edge: Settings > Site Permissions > Cookies and Site Data

Cookie Consent Management:

• Granular Control: Choose which types of cookies to allow
• Consent Withdrawal: Change your preferences at any time
• Cookie Banner: Manage preferences through our website banner
• Opt-out Options: Disable non-essential cookies

Impact of Disabling Cookies:

• Some website features may not function properly
• You may need to re-enter information frequently
• Personalization features will be limited
• Security features may be affected

5. Third-Party Cookies

Analytics Providers:

• Google Analytics: Website traffic and user behavior analysis
• Adobe Analytics: Advanced user journey tracking
• Hotjar: User session recordings and heatmaps

Payment Partners:

• Payment Gateways: Secure transaction processing
• Banking Partners: AEPS and UPI service integration
• BBPS Providers: Bill payment service facilitation

Security Services:

• Fraud Detection: Advanced security and fraud prevention
• CDN Providers: Content delivery and website acceleration
• Monitoring Tools: Website performance and uptime monitoring

Communication Tools:

• Live Chat: Customer support chat functionality
• Email Services: Transactional and marketing emails
• SMS Providers: Transaction alerts and OTP services

6. Cookie Retention Periods

• Session Cookies: Deleted when you close your browser
• Short-term Cookies: 24 hours to 30 days
• Functional Cookies: Up to 1 year
• Analytics Cookies: Up to 2 years
• Marketing Cookies: Up to 2 years (with consent)

7. Mobile App Data

Our mobile applications may use similar technologies:

• Local Storage: Store app preferences and data
• Device Identifiers: Unique identifiers for security
• Push Notifications: Send transaction alerts and updates
• Analytics SDKs: Collect app usage statistics
• Crash Reporting: Identify and fix app issues

8. Legal Basis for Cookie Use

• Necessary Cookies: Legitimate interest for service provision
• Functional Cookies: Legitimate interest for user experience
• Analytics Cookies: Legitimate interest for service improvement
• Marketing Cookies: Consent-based usage
• Security Cookies: Legal obligation and legitimate interest

9. International Transfers

Some cookies may involve international data transfers:

• Data may be processed in countries outside India
• Adequate protection measures are in place
• Third parties comply with applicable data protection laws
• Regular reviews of international transfer mechanisms

10. Updates to Cookie Policy

We may update this Cookie Policy to reflect:

• Changes in our services or technology
• Legal or regulatory requirements
• Best practices in data protection
• User feedback and requests

We will notify users of significant changes through email, website notices, or app notifications.

11. Contact Information

For questions about our Cookie Policy:

• Email: risk@zepay.money
• Company: Zepay.money [EVYAPARPAY TECHNOLOGIES PRIVATE LIMITED]
• Address: Lucknow, Uttar Pradesh, India
• Website: zepay.money
• Customer Support: Available 24/7 through our platform

We are committed to transparency in our use of cookies and similar technologies. Your privacy and security are our top priorities, and we strive to provide you with clear information and control over your data.