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Cookie Policy

How we use cookies to enhance your experience

Last updated: 15 July 2025

Table of Contents

Introduction

At StelloWave, we use cookies and similar technologies to provide you with a better, faster, and safer experience when using our bill payment platform. This Cookie Policy explains what cookies are, how we use them, and how you can control them.

By using our platform, you consent to our use of cookies in accordance with this policy. If you do not agree with our use of cookies, you should set your browser preferences accordingly or refrain from using our website.

What are Cookies?

Cookies are small text files that are stored on your device (computer, tablet, or mobile) when you visit a website. They help websites remember information about your visit, such as your preferences and login status, making your next visit easier and more useful.

Cookies cannot access, read, or modify any other data on your computer, and they cannot be used to spread viruses or malware. They are simply data files that help improve your browsing experience.

Types of Cookies We Use

1. Essential Cookies (Required)

These cookies are necessary for our platform to function properly and cannot be disabled.

What they do:

  • Maintain your login session
  • Remember your payment preferences during checkout
  • Ensure security and prevent fraud
  • Enable core platform functionality
  • Support two-factor authentication

2. Performance & Analytics Cookies

These cookies help us understand how you use our platform so we can improve it.

What they do:

  • Track page views and user interactions
  • Measure website performance and loading times
  • Identify popular features and content
  • Help us detect and fix technical issues
  • Generate usage statistics (anonymized)

3. Functional Cookies

These cookies enable enhanced functionality and personalization.

What they do:

  • Remember your language and currency preferences
  • Save your theme settings (light/dark mode)
  • Store your frequently used bill payment details
  • Personalize content and recommendations
  • Remember your notification preferences

4. Marketing & Advertising Cookies (Optional)

These cookies are used to deliver relevant advertisements and track campaign effectiveness.

What they do:

  • Show you relevant ads on other websites
  • Measure the effectiveness of our advertising campaigns
  • Prevent you from seeing the same ads repeatedly
  • Track conversions and referrals
  • Enable social media sharing features

How We Use Cookies

Security & Authentication

  • Verify your identity when you log in
  • Protect against unauthorized access
  • Enable secure payment processing
  • Support two-factor authentication

User Experience

  • Remember your preferences and settings
  • Provide personalized bill payment suggestions
  • Save your payment methods securely
  • Enable quick payments and auto-fill features

Analytics & Improvement

  • Analyze platform usage patterns
  • Identify and fix technical issues
  • Optimize performance and loading times
  • Develop new features based on user needs

Communication

  • Send relevant notifications and updates
  • Provide customer support
  • Share important security alerts
  • Deliver service announcements

Third-Party Cookies

We work with trusted third-party service providers who may also set cookies on your device. These partners help us provide essential services such as payment processing, fraud prevention, and analytics.

Payment Processors

Paystack, Flutterwave, and other payment providers

These cookies ensure secure payment processing and fraud prevention.

Analytics Services

Google Analytics, Hotjar (if applicable)

Help us understand user behavior and improve our platform.

Customer Support

Tawk.to, Intercom (if applicable)

Enable live chat and customer support features.

Security Services

Cloudflare, reCAPTCHA

Protect against spam, abuse, and security threats.

Managing Your Cookie Preferences

You have several options for managing cookies on our platform:

Browser Settings

You can control cookies through your browser settings. Here's how:

Chrome

Settings → Privacy and security → Cookies and other site data

Firefox

Settings → Privacy & Security → Cookies and Site Data

Safari

Preferences → Privacy → Manage Website Data

Edge

Settings → Cookies and site permissions → Cookies and site data

StelloWave Platform Settings

When logged in, you can manage your cookie preferences in your account settings:

• Dashboard → Settings → Privacy Preferences

• Customize which optional cookies you allow

• Update your preferences at any time

⚠️ Important Notice

Disabling essential cookies may affect platform functionality, including your ability to log in, make payments, and access certain features. We recommend keeping essential cookies enabled for the best experience.

Questions About Our Cookie Policy?

If you have any questions about our use of cookies or this policy, please don't hesitate to contact us:

Email: privacy@stellowave.com

Phone: +234 (0) 123 456 7890

Live Chat: Available 24/7 on our platform

We're committed to transparency and will respond to your inquiry within 48 hours.

Contact Support
This policy is part of our commitment to your privacy and data protection.
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