Cookie Policy

1. What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, keep you logged in, and improve your browsing experience.

Setubills uses cookies and similar tracking technologies to provide, protect, and improve our services.

2. Types of Cookies We Use

2.1 Essential Cookies (Strictly Necessary)

These cookies are required for our platform to function and cannot be disabled:

2.2 Preference Cookies (Functional)

These cookies remember your choices and preferences:

2.3 Analytics Cookies (Performance)

These cookies help us understand how you use our platform:

Note: We do not use third-party analytics services (Google Analytics, Facebook Pixel, etc.). All analytics are collected internally and anonymized.

3. Session Storage and Local Storage

In addition to cookies, we use browser storage mechanisms:

3.1 Local Storage

• dashboard_state - Remembers dashboard layout preferences
• recent_transactions - Caches recent transaction data for offline viewing
• form_autosave - Auto-saves form data to prevent data loss

3.2 Session Storage

• active_tab - Remembers active tab within session
• transaction_draft - Temporarily stores incomplete transactions

Important: Sensitive data (passwords, PINs, API keys) is NEVER stored in cookies or local storage.

4. How We Use Cookies

4.1 Authentication and Security

• Keep you logged in across pages
• Protect against unauthorized access
• Prevent CSRF (Cross-Site Request Forgery) attacks
• Detect suspicious login patterns
• Enforce session timeouts for security

4.2 User Experience

• Remember your preferences and settings
• Maintain shopping cart or transaction state
• Provide personalized content
• Prevent repeated display of notifications

4.3 Performance and Analytics

• Understand which features are most used
• Identify and fix technical issues
• Improve page load times
• Measure platform performance

4.4 Fraud Prevention

• Detect unusual transaction patterns
• Identify potential account takeover attempts
• Track login locations and devices

5. Third-Party Cookies

We minimize third-party cookies. The following third parties may set cookies when you use our services:

5.1 Payment Processors

When you fund your wallet, payment gateways (Paystack, Flutterwave, etc.) may set cookies to process payments securely. These are governed by their respective privacy policies.

5.2 CDN Services

We use Content Delivery Networks (CDNs) to serve static assets (CSS, JavaScript, fonts). These may set performance cookies but do not track your activity.

5.3 API Services

Network providers (MTN, Glo, Airtel, 9Mobile) may set cookies when processing your transactions through their APIs.

6. Managing Cookies

6.1 Browser Settings

You can control cookies through your browser settings:

• Chrome: Settings → Privacy and Security → Cookies and site data
• Firefox: Options → Privacy & Security → Cookies and Site Data
• Safari: Preferences → Privacy → Manage Website Data
• Edge: Settings → Privacy, search, and services → Cookies

6.2 Cookie Preferences

6.3 Impact of Blocking Cookies

If you disable or block cookies:

• ❌ You will not be able to log in to your account
• ❌ Transactions cannot be processed
• ❌ Your preferences will not be saved
• ❌ Security features will be compromised
• ✅ You can still browse public pages (landing, pricing)

7. Mobile App Tracking

Our mobile applications use device identifiers instead of cookies:

• Android: Advertising ID, Device ID (for security only)
• iOS: IDFA (Identifier for Advertisers), Device ID

These identifiers are used for:

• Session management and authentication
• Push notification delivery
• Fraud detection and security
• App performance monitoring

You can reset these identifiers in your device settings (Settings → Privacy → Advertising).

8. Cookie Retention

9. Do Not Track (DNT)

Some browsers offer a "Do Not Track" (DNT) signal. Currently, there is no universal standard for how websites should respond to DNT signals.

We respect your privacy choices and use minimal tracking. Essential cookies required for platform functionality will still be used regardless of DNT settings.

10. Children's Privacy

Our services are not intended for users under 18. We do not knowingly set cookies on devices used by children or collect data from minors.

11. Updates to This Policy

We may update this Cookie Policy to reflect:

• Changes in cookie usage
• New browser technologies
• Legal or regulatory requirements
• Platform feature updates

The "Last Updated" date at the top of this page indicates when changes were last made.

12. Contact Us

For questions about our use of cookies or to exercise your privacy rights:

• Email: setubillsinfo@gmail.com
• Phone: 09134512038