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PRIVACY ARCHITECTURE • ZERO AD TRACKING • STRICT OPERATIONAL TOKENS

Cookie Governance & Tracking Disclosure

Effective Date: September 16, 2026 • Version 2.4 • Document ID: APX-POL-COOKIES-2026

Zero Third-Party Advertising Pledge

ApexPay respects digital sovereignty. We do not use cross-site behavioral tracking cookies, commercial ad-network pixels (e.g. Meta, Google Marketing Platform, TikTok), or commercial data-broker fingerprinting tools. We only deploy strictly essential operational cookies and user-selected UI state persistence.

1 Categories of Local Storage & Cookies Deployed

When you interact with the ApexPay platform, we store minimal essential state on your device categorized as follows:

Token Name Category Purpose Duration
__Host-apx_csrf Strictly Essential Protects against Cross-Site Request Forgery in token dispatch Session
apex_user_email Functional (Local) Caches verified waitlist token status in localStorage for instant retrieval 30 Days
apx_currency_pref Preference Persists chosen dashboard balance view (USD, EUR, GBP) 1 Year
_cfuvid / __cf_bm Security & DDoS Cloudflare edge rate limiting and automated bot defense 30 Minutes

2 Strictly Necessary vs. Optional Telemetry

Under the EU ePrivacy Directive (Directive 2002/58/EC) and UK Privacy and Electronic Communications Regulations (PECR), strictly necessary cookies (such as security tokens and session state) do not require prior consent because the platform cannot safely operate without them.

For non-essential performance diagnostics, we utilize self-hosted, privacy-first analytics with fully anonymized IP masks and zero cross-domain tracking.

3 Global Privacy Control (GPC) & Do Not Track (DNT) Signals

ApexPay automatically honors the Global Privacy Control (GPC) standard and browser Do Not Track header signals. When your browser transmits an enabled GPC signal (Sec-GPC: 1), our web servers automatically suppress all optional telemetry scripts without requiring any manual preference adjustments.

4 Managing Your Browser Storage Settings

You can inspect, block, or delete cookies at any time via your browser's native settings. Note that disabling strictly necessary security cookies will impair the ability to securely generate authentication tokens and access cards.

  • Google Chrome: Settings > Privacy and security > Third-party cookies.
  • Apple Safari: Settings > Safari > Advanced > Privacy & Cookies.
  • Mozilla Firefox: Settings > Privacy & Security > Enhanced Tracking Protection.
  • Microsoft Edge: Settings > Cookies and site permissions > Manage and delete cookies.

5 Contact Privacy Engineering

If you have questions regarding our cookie architecture or wish to request data verification under GDPR Article 15:

Privacy Engineering & Governance Desk
ApexPay Financial Technologies Inc.
500 Howard Street, Suite 400, San Francisco, CA 94105
Direct Inquiries: privacy@apexpay.io