Cookie Policy

This Cookie Policy explains how PL Payments, Inc. utilizes cookies, pixels, web beacons, software development kits ("SDKs"), tracking technologies, scripts, analytics tools, and similar technologies (collectively, "Cookies and Tracking Technologies") in connection with your access to and use of www.prolifepayments.com and related digital services.

This Cookie Policy should be read together with our Privacy Policy and Website Terms of Use. By continuing to access or use our website, you acknowledge and agree that PL Payments, Inc. may utilize Cookies and Tracking Technologies as described in this Cookie Policy, subject to applicable law.

Because PL Payments, Inc. operates as a payment orchestration platform, independent sales organization ("ISO"), and software-as-a-service provider within the financial services industry, certain Cookies and Tracking Technologies may also be utilized to support security, fraud prevention, operational integrity, risk management, and compliance-related functions associated with our website and related technologies.

PL Payments, Inc. may utilize a variety of technologies to collect, process, analyze, store, or transmit information relating to website usage, system performance, device characteristics, and user interactions.

These technologies may include, without limitation:

• browser cookies
• HTTP cookies
• session cookies
• persistent cookies
• local storage technologies
• pixels and tracking tags
• web beacons
• embedded scripts
• analytics technologies
• device recognition technologies
• log files
• and similar automated data collection mechanisms

Such technologies may collect information regarding:

• browser type and version
• operating system
• device identifiers
• IP address
• approximate geolocation information
• pages visited
• session duration
• referral URLs
• clickstream activity
• interactions with website content
• and technical diagnostics relating to website functionality and security

Certain information may be collected automatically when you access or interact with the website.

PL Payments, Inc. may utilize several categories of Cookies and Tracking Technologies in connection with operation of the website.

3.1 Essential or Strictly Necessary Cookies

Essential or Strictly Necessary Cookies are required for the website to function properly and securely. These Cookies support core operational functionality including page navigation, session management, load balancing, network management, security controls, and fraud prevention measures.

Because these Cookies are necessary for operation of the website, disabling them may impair website functionality or prevent portions of the website from operating correctly.

3.2 Functional Cookies

Functional Cookies are utilized to enhance website functionality, personalization, and user experience. These Cookies may remember user preferences, settings, language selections, browser configurations, or previously submitted information to improve usability and operational efficiency.

Functional Cookies may also assist in maintaining continuity between website sessions and improving accessibility and navigation features.

3.3 Security and Fraud Prevention Cookies

PL Payments, Inc. may utilize Cookies and Tracking Technologies designed to support cybersecurity, fraud detection, abuse prevention, operational integrity, system monitoring, and risk management activities.

Such technologies may assist in:

• identifying suspicious or malicious activity
• detecting unauthorized access attempts
• monitoring website traffic anomalies
• protecting user accounts and systems
• preventing automated abuse or scraping
• and supporting compliance, security investigations, or incident response procedures

Because PL Payments, Inc. operates within the financial services ecosystem, certain security-related tracking technologies may be necessary to help protect the website, users, Processing Partners, and related infrastructure from fraud, cybersecurity threats, and unauthorized activity.

3.4 Analytics and Performance Cookies

Analytics and Performance Cookies are utilized to measure website traffic, analyze user interactions, evaluate website performance, identify operational issues, and improve website functionality and user experience.

These technologies may collect information regarding:

• website visitation patterns
• session activity
• navigation behavior
• page engagement metrics
• traffic sources
• browser and device characteristics
• and website performance diagnostics

Analytics information may be aggregated or de-identified where appropriate and may be used to improve website operations, content effectiveness, and system stability.

PL Payments, Inc. utilizes Cookies and Tracking Technologies for legitimate business, operational, compliance, and security purposes including:

• operating and maintaining website functionality
• enhancing user experience and website performance
• maintaining session continuity
• supporting cybersecurity and fraud prevention activities
• protecting systems and infrastructure
• detecting unauthorized activity or abuse
• analyzing website traffic and operational metrics
• diagnosing technical issues
• improving products, services, and website functionality
• complying with legal, regulatory, and contractual obligations
• and maintaining the overall integrity and security of the website environment

PL Payments, Inc. does not utilize Cookies or Tracking Technologies to sell personal information to third parties.

PL Payments, Inc. does not utilize tracking technologies for cross-context behavioral advertising or unrelated third-party marketing purposes.

Some cookies on our Site are set by third-party services that appear on our pages. We do not control the use of these third-party cookies and their privacy practices are governed by the respective third party's privacy policy. Third parties who may set cookies on our Site include, but are not limited to:

• ZOHO PageSense — website analytics and heatmapping. ZOHO Privacy Policy
• Google Analytics — aggregated traffic and behavior analytics (if enabled). Google Privacy Policy
• Payment Processors — session tokens and security cookies required for secure payment flows
• Embedded Content Providers — cookies set by third-party content embedded on our pages

We encourage you to review the privacy policies of these third parties to understand how they use the information collected by their cookies.

Most web browsers permit users to control Cookies and Tracking Technologies through browser settings, preferences, or related controls. Depending upon your browser or device configuration, you may be able to:

• block certain cookies
• delete stored cookies
• receive notifications before cookies are placed
• restrict tracking technologies
• or disable portions of automated data collection

Please note that disabling or restricting certain Cookies may impair website functionality, reduce operational performance, limit available features, or affect security-related protections.

Certain analytics providers or third-party technologies may also offer independent opt-out mechanisms or privacy controls through their own platforms.

Depending upon your state of residence and applicable law, you may also have additional rights regarding automated data collection, tracking technologies, or personal information as described in our Privacy Policy.

Certain web browsers may transmit "Do Not Track" ("DNT") signals or similar privacy preference mechanisms. Because there is currently no universally accepted standard governing DNT signals, PL Payments, Inc. does not guarantee that the website will respond to or honor all such signals.

PL Payments, Inc. reserves the right to evaluate and modify its response to DNT technologies as legal standards and industry practices evolve.

Information collected through Cookies and Tracking Technologies may be retained for varying periods depending upon the nature and purpose of the technology utilized, operational requirements, security considerations, analytics needs, legal obligations, or system integrity requirements.

PL Payments, Inc. implements commercially reasonable administrative, technical, and organizational safeguards designed to protect information collected through Cookies and Tracking Technologies from unauthorized access, disclosure, misuse, or alteration.

However, no internet-based technology or electronic storage system can be guaranteed to be completely secure.

PL Payments, Inc. reserves the right to amend, update, modify, or replace this Cookie Policy at any time and without prior notice or consent.

Any modifications become effective immediately upon posting to the website unless otherwise indicated. Continued use of the website following publication of updated terms constitutes acknowledgment of the revised Cookie Policy.

This Cookie Policy shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

All questions regarding this Cookie Policy may be directed to: