Cookie Policy

Meridian S.A. ("Meridian", "Company", "we", "our", or "us") uses cookies and similar technologies to improve the security, functionality, performance, and usability of the Meridian Platform.

This Cookie Policy explains how Meridian uses cookies and related technologies when Users access the Platform.

This Policy should be read together with the:

2. Scope

This Policy applies to all Meridian interfaces, including:

Website
Telegram Web Applications
mobile applications
business dashboard
merchant dashboard
APIs where technically applicable
other official Meridian interfaces

Some technologies described in this Policy may not apply to every Platform interface.

3. What Are Cookies?

Cookies are small text files stored on a User's device that enable websites and applications to recognize devices, maintain sessions, remember preferences, improve security, and collect usage information.

Meridian may also use similar technologies that perform comparable functions, including:

local storage
session storage
browser storage
security tokens
device identifiers
software development kits (SDKs)
application storage technologies

For purposes of this Policy, all such technologies are collectively referred to as "Cookies" unless otherwise specified.

4. Types of Cookies

Meridian may use:

Essential Cookies
Security Cookies
Functional Cookies
Performance Cookies
Analytics Cookies
Preference Cookies
Session Cookies
Persistent Cookies
Third-Party Cookies

Not every category is used in every Service.

5. Why We Use Cookies

Cookies help Meridian:

authenticate Users
maintain secure sessions
remember preferences
improve Platform performance
detect fraud
enhance cybersecurity
measure Platform usage
troubleshoot technical issues
improve user experience
comply with security requirements

6. Essential Cookies

Essential Cookies are necessary for the operation of the Platform.

These Cookies may be used for:

user authentication
session management
account security
load balancing
fraud prevention
security monitoring

Without Essential Cookies, certain Services may not function properly.

7. Security Cookies

Security Cookies help Meridian protect the Platform against:

unauthorized access
session hijacking
account compromise
automated attacks
malicious activity
credential abuse

Security Cookies may operate automatically whenever Users access the Platform.

8. Performance Cookies

Performance Cookies help Meridian understand how the Platform performs.

Such Cookies may collect information relating to:

page loading times
application performance
service availability
system diagnostics
error reporting

Performance information is generally aggregated where reasonably practicable.

9. Analytics Cookies

Analytics Cookies assist Meridian in understanding how Users interact with the Platform.

Analytics may include:

page visits
navigation patterns
feature usage
session duration
interaction with Platform functionality
technical diagnostics

Analytics information helps Meridian improve the Platform and develop new Services.

10. Functional Cookies

Functional Cookies enable the Platform to remember User preferences and provide enhanced functionality.

These Cookies may be used to:

remember language preferences
remember display settings
retain accessibility preferences
remember interface configurations
support user personalization
improve navigation across the Platform

Disabling Functional Cookies may affect certain Platform features.

11. Marketing and Communication Cookies

Where permitted by Applicable Law and where applicable to the Services, Meridian may use Cookies or similar technologies to measure the effectiveness of communications and improve User engagement.

Such technologies may be used to:

measure campaign performance
understand interaction with communications
improve educational content
evaluate product announcements
prevent duplicate communications

Meridian does not use Cookies to sell Users' Personal Data.

Where consent is required by Applicable Law, Marketing Cookies will only be used after the appropriate consent has been obtained.

Users may withdraw such consent at any time through available preference settings, where applicable.

12. Third-Party Technologies

Meridian may use trusted third-party technologies to support the operation of the Platform.

These technologies may include services relating to:

infrastructure hosting
content delivery
identity verification
fraud prevention
cybersecurity
analytics
performance monitoring
customer support
application diagnostics

Third-party providers may use their own Cookies or similar technologies in accordance with their respective privacy and cookie policies.

Meridian does not control the cookies or technologies operated directly by independent third parties. Users should review the applicable policies of such providers where appropriate.

13. Managing Cookies

Users may control the use of Cookies through browser settings, device settings, or other available controls.

Depending on the browser or device used, Users may be able to:

accept Cookies
reject Cookies
delete stored Cookies
block third-party Cookies
receive notifications before Cookies are stored

Disabling certain Cookies may reduce the functionality, security, or performance of the Platform.

Essential Cookies required for authentication, security, and core Platform functionality generally cannot be disabled without affecting the availability of the Services.

14. Browser and Device Settings

Most modern browsers and operating systems provide settings allowing Users to manage Cookies and similar technologies.

Users are encouraged to consult the documentation provided by their browser, operating system, or device manufacturer for information on:

deleting Cookies
blocking Cookies
managing site permissions
clearing browser storage
controlling device identifiers

Meridian cannot guarantee that all Platform features will operate correctly if browser or device settings restrict the use of required technologies.

15. Do Not Track

Some web browsers support "Do Not Track" ("DNT") signals.

Because there is currently no universally accepted standard governing the interpretation of DNT signals, Meridian does not guarantee that the Platform will respond to such signals in a particular manner.

Meridian may review its practices if recognized technical or legal standards relating to DNT become widely adopted.

16. Data Protection

Information collected through Cookies and similar technologies may constitute Personal Data under applicable data protection laws.

Where such information qualifies as Personal Data, it is processed in accordance with the Meridian Privacy Policy and applicable legal requirements.

Meridian implements appropriate administrative, technical, and organizational safeguards designed to protect information collected through Cookies.

17. Changes to this Cookie Policy

Meridian may update this Cookie Policy from time to time to reflect:

changes in Applicable Law
regulatory guidance
technological developments
security improvements
operational changes
new Platform features
business developments

Updated versions become effective upon publication unless a later effective date is specified.

Where required by Applicable Law, Meridian will provide reasonable notice of material changes.

Continued use of the Platform following publication constitutes acceptance of the updated Cookie Policy.

19. Contact Information

Questions regarding this Cookie Policy may be submitted through Meridian's official communication channels published on the Platform.

Privacy-related requests concerning Cookies or similar technologies should be directed to the designated contact information made available by Meridian.

20. Effective Date

This Cookie Policy is effective from the date stated above and remains in force until amended or replaced by Meridian S.A.