Cookie Policy

This Cookie Policy explains how Paydios , operated by ZeroFlux Technologies, Inc. and its applicable affiliates and subsidiaries, uses cookies and similar technologies on paydios.io , the Paydios merchant platform, dashboards, applications, and related Services.

This Policy should be read together with the Paydios Privacy Policy and Terms & Conditions .

Cookies are small text files that websites store on your browser or device.

Cookies allow websites to recognize your browser, remember preferences, maintain sessions, improve security, and understand how users interact with a website.

Paydios may also use technologies similar to cookies, including:

• Pixels;
• Web beacons;
• Local storage;
• Device identifiers;
• Session technologies;
• Analytics technologies; and
• Similar tracking or measurement technologies.

For convenience, we refer to all of these technologies as “Cookies” in this Policy.

Paydios may use Cookies to:

• Keep users signed in;
• Maintain secure sessions;
• Remember user preferences;
• Protect accounts;
• Detect suspicious activity;
• Prevent fraud;
• Improve website performance;
• Understand how users use our website;
• Measure traffic and engagement;
• Improve our Services;
• Troubleshoot technical issues;
• Analyze marketing performance; and
• Provide relevant website functionality.

3.1 Strictly Necessary Cookies

These Cookies are required for the website or platform to function properly. They may be used for:

• Account authentication;
• Session management;
• Security;
• Fraud prevention;
• Load balancing;
• Form submission;
• Maintaining user preferences necessary for the Services; and
• Core website functionality.

These Cookies generally cannot be disabled through ordinary website settings because certain functions may not work without them.

3.2 Functional Cookies

Functional Cookies allow Paydios to remember preferences and provide enhanced functionality.

Examples may include:

• Language preferences;
• Region preferences;
• Dashboard preferences;
• Display settings; and
• Other user-selected settings.

3.3 Analytics and Performance Cookies

Paydios may use analytics technologies to understand how visitors interact with our website and Services.

These technologies may help us understand:

• Number of visitors;
• Pages viewed;
• Traffic sources;
• Approximate session duration;
• Device and browser information;
• Website performance;
• Errors and technical problems; and
• General usage patterns.

We may use third-party analytics providers for these purposes.

3.4 Security and Fraud-Prevention Technologies

Paydios may use Cookies and similar technologies to:

• Detect suspicious behavior;
• Protect accounts;
• Identify potentially fraudulent activity;
• Prevent abuse;
• Protect payment services;
• Detect bots or automated attacks; and
• Improve platform security.

These technologies may collect technical information such as:

• IP address;
• Device information;
• Browser characteristics;
• Session information;
• Login activity; and
• Other security-related signals.

3.5 Marketing and Advertising Technologies

Where applicable, Paydios may use Cookies or similar technologies to measure marketing campaigns or understand interactions with promotional content.

Paydios may work with third-party service providers for these purposes.

Paydios does not use Cookies to sell your personal information as a business practice.

Some Cookies may be placed by third-party service providers that support Paydios.

Third parties may include providers of:

• Analytics;
• Security;
• Fraud prevention;
• Customer support;
• Website infrastructure;
• Marketing;
• Advertising;
• Communication tools; and
• Other technical Services.

These third parties may process information according to their own privacy policies and applicable agreements.

Paydios does not control all third-party Cookies or third-party privacy practices.

Cookies may be either:

Session Cookies

These Cookies are deleted or expire when you close your browser or end the applicable session.

Persistent Cookies

These Cookies remain on your device for a specified period or until you delete them.

The duration of a Cookie may vary depending on its purpose and provider.

Depending on your location and applicable law, you may be able to control certain Cookies through:

• Your browser settings;
• Cookie-management tools;
• Website consent controls; or
• Other available privacy settings.

You may choose to block or delete Cookies through your browser.

However, disabling certain Cookies may cause portions of the Paydios website or platform to stop working correctly.

Most modern browsers allow you to:

• View Cookies;
• Delete Cookies;
• Block Cookies;
• Block third-party Cookies;
• Receive notifications before Cookies are stored; and
• Adjust privacy settings.

Instructions vary by browser.

Changing browser settings may affect your ability to use some Paydios Services.

Some browsers provide “Do Not Track” or similar privacy signals.

Because there is currently no universally consistent technical standard for interpreting all such signals, Paydios may not respond to every browser-based Do Not Track signal.

Where required by applicable law, Paydios will comply with applicable legally recognized privacy signals.

When you log in to Paydios, Cookies or similar technologies may be required for:

• Authentication;
• Session management;
• Security;
• Fraud prevention;
• Dashboard functionality;
• API-related functionality;
• Account preferences; and
• Other core Services.

These technologies are important for keeping Merchant accounts secure.

Paydios may use security and fraud-prevention technologies in connection with payment processing.

These technologies may help identify:

• Suspicious devices;
• Unusual login activity;
• Automated attacks;
• Potential account compromise;
• Payment fraud indicators; and
• Other security threats.

Certain security technologies may remain active even where optional Cookies are disabled.

Paydios serves users and Merchants internationally.

Cookies and related information may be processed in countries other than the country where you live.

International processing is described further in the Paydios Privacy Policy .

Where required by applicable law, Paydios will apply appropriate safeguards to personal information transferred internationally.

Some Cookie information may constitute personal information under applicable law.

Where this occurs, Paydios will handle that information in accordance with the Paydios Privacy Policy and applicable privacy laws.

The information collected may include:

• IP address;
• Device information;
• Browser information;
• Account identifiers;
• Website activity;
• Session information;
• Approximate location;
• Security information; and
• Other technical information.

Paydios may update this Cookie Policy from time to time.

Changes may be made due to:

• New technologies;
• New Services;
• Changes in Cookies used by Paydios;
• Changes in third-party providers;
• Legal or regulatory requirements; or
• Changes to Paydios's privacy practices.

The updated Policy will become effective when posted unless otherwise stated.

For privacy or Cookie-related questions:

legal@paydios.io

For general support:

help@paydios.io

For commercial inquiries:

sales@paydios.io

United States

ZeroFlux Technologies, Inc. / Paydios 169 Washington AveDover, NJ 07801 United States

Pakistan

ZeroFlux Technologies (Private) Limited Office No. 8, 4th Floor, Trade Center, Business Park B Block, Gulberg GreensIslamabad Capital TerritoryPakistan

By using the Paydios website or Services, you acknowledge that Cookies and similar technologies may be used as described in this Policy, subject to applicable law and any available Cookie or privacy controls.