Cookie Policy

1. About This Policy

1.1 This Cookie Policy explains how Paxtra Inc. (Paxtra, we, us or our) uses cookies and similar technologies on www.usepaxtra.com and on our web application and any mobile application we introduce (together, the Platform).

1.2 It should be read with our Privacy Policy, which explains how we handle personal information more generally, and our Terms of Service.

2. What Are Cookies?

2.1 Cookies are small text files that a website places on your device when you visit it. They help a site work, remember your choices, keep it secure, and understand how it is used.

2.2 Cookies can be session cookies, which disappear when you close your browser, or persistent cookies, which stay for a set period. They can be first-party, set by us, or third-party, set by another organisation whose service we use.

3. Why We Use Cookies

We group cookies into the categories below. Section 4 distinguishes cookies used on the current marketing website from cookies that apply only if later application, payment or security features are enabled.

4. Cookies We Use

4.1 Table A lists cookies used on the current marketing website (www.usepaxtra.com), after the relevant consent where required. Table B lists cookies that apply only if signed-in application accounts, Stripe checkout or Cloudflare bot protection are enabled; they are not set by the current marketing website. Providers can change their cookies, and we update these tables when they do, before any new technology is switched on.

Table A — Cookies used on the current marketing website

Google Ads conversion cookies, including _gcl_au and _gcl_aw, are not used on the current marketing website, because Google Ads conversion tracking is not installed. Google Tag Manager Preview for this website does not include an AW- conversion tag. If we enable Google Ads later, we will list those cookies here before switching them on and ask for consent again where required.

Table B — Cookies for future signed-in application, payment or security features. These are not set by the current marketing website.

4.2 The Stripe cookies in Table B are set by Stripe only when a page loads Stripe’s payment code. That does not happen on the current marketing website. Stripe is responsible for them, and describes them in its own privacy and cookie documentation, available at https://stripe.com/privacy and https://stripe.com/cookies-policy/legal.

5. Third-Party Cookies and Links

5.1 Some cookies are set by organisations other than Paxtra. On the current marketing website, after you agree, that includes Google (analytics) and Meta and TikTok (advertising). Stripe (payment security and fraud prevention) and Cloudflare (security) cookies are set only if those services are enabled, which they are not on the current marketing website. Google Ads conversion cookies are not currently used. If you agree to analytics or marketing cookies, these providers receive information about your visit, may combine it with information they already hold, and may process it in other countries, including the United States. These organisations have their own privacy and cookie policies, and we do not control the cookies they set.

5.2 Many Paxtra Transactions begin on social media or messaging apps. Paxtra is independent of those platforms. If you follow a link from or to them, they may set their own cookies under their own policies, which we do not control.

6. Your Choices and Consent

6.1 Strictly necessary cookies are used without asking for your consent, because they are needed to provide the Platform.

6.2 All other cookies (analytics, marketing and any functional cookies we add later) are used only if you agree. When you first visit, a cookie banner gives you three equally prominent choices: Accept All, Reject Optional, or Manage Preferences. Google Analytics 4, the Meta Pixel and the TikTok Pixel stay switched off until you agree to the relevant category. Google Ads conversion tags are not currently installed. Closing the banner, scrolling or continuing to browse does not count as consent. We use Google Consent Mode so that Google’s tags do not run before you consent. Your choices apply across our website and our application.

6.3 You can change or withdraw your consent at any time through the “Cookie Settings” link, which stays available on every page. We remember your choices for six months using the paxtra_consent cookie, and ask again after that, or sooner if we materially change the technologies we use or why we use them. Withdrawing consent does not affect what happened before you withdrew it.

6.4 Declining optional cookies will not stop you creating an account, signing in or using essential payment services. We keep a record of your cookie choices so that we can respect them and show that we did.

7. Managing Cookies in Your Browser

7.1 Most browsers let you see, block or delete cookies in their settings. The steps differ by browser, so check the help pages for Chrome, Safari, Firefox, Edge or whichever you use.

7.2 If you block or delete strictly necessary cookies, parts of the Platform may not work. For example, you may not be able to stay signed in or complete a payment securely.

7.3 Global Privacy Control and Do Not Track. We recognise Global Privacy Control (GPC) signals. If your browser sends one, we switch off optional marketing tracking, and do not use your information for advertising or share it for advertising purposes, unless you have made a valid choice that allows it. We also recognise the Do Not Track (DNT) signal: if it is on and you have not explicitly agreed to optional tracking, we keep analytics and marketing tracking switched off. An explicit consent choice you make is respected over a DNT signal. Neither signal stops the cookies needed for signing in, security, fraud prevention and payments.

8. Similar Technologies

8.1 Besides cookies, we use similar technologies that store or read information on your device or in your browser. The table below lists Paxtra’s own local storage and session storage on the current marketing website. Server logs record technical information such as your IP address and the pages requested, for security and troubleshooting. Some of our providers may also use local storage or similar identifiers after you agree to analytics or marketing. Where they do, they follow the same consent rules as cookies.

8.2 If you agree to marketing cookies, we use the Meta Pixel and the TikTok Pixel. These are small pieces of code that tell those providers about your visit and actions on the Platform, such as signing up. They load only after you agree. We do not currently load Google Ads tags. We do not send passwords, payment card details, identity documents or dispute evidence to analytics or advertising providers.

9. Changes to This Policy

9.1 We may update this policy when we change the cookies we use, or when the law changes. We will post the new version with an updated date. If a change affects how we use non-essential cookies, we will ask for your consent again where the law requires it.

10. Contact

10.1 If you have a question about this policy or how we use cookies, email our privacy contact at the address above.

10.2 If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada or the privacy regulator in your province or territory.