Cookie Policy

1. Introduction

1. 1.1 This Cookie Policy explains how Aryze uses cookies and similar technologies when you access or use Aryze Pay by Bank services (the “Services”), including websites, checkout environments and embedded payment flows.
2. 1.2 The Services are provided under the Aryze brand by Aryze ApS, Bredgade 3, 1260 Copenhagen, Denmark (“Aryze”, “we”, “us”).
3. 1.3 This Cookie Policy should be read together with Aryze's Privacy Policy.

2. What Are Cookies

1. 2.1 Cookies are small text files that are stored on your device when you visit a website or use an online service.
2. 2.2 Cookies allow a service to recognise your device and store certain information about your preferences or actions.
3. 2.3 Similar technologies may also be used, including:
   • local storage
   • session storage
   • pixels
   • SDKs
   • tracking scripts

   For simplicity, all such technologies are referred to as “cookies” in this Policy.

3. How We Use Cookies

Aryze uses cookies to:

• ensure the Services function correctly
• enable secure payment flows
• maintain session integrity
• detect and prevent fraud
• improve performance and reliability
• analyse usage and user behaviour
• remember user preferences where applicable

4. Types of Cookies We Use

5. Third-Party Cookies

1. 5.1 Aryze may use third-party providers that place cookies or similar technologies on your device. These may include:
   • analytics providers
   • infrastructure providers
   • fraud prevention services
   • hosting and performance providers
2. 5.2 Where relevant, the Services may interact with:
   • your Bank
   • payment infrastructure providers (including Mastercard Open Banking connectivity)
   • regulated partners such as Volt
3. 5.3 These third parties may set their own cookies in accordance with their own privacy policies.
4. 5.4 Aryze does not control third-party cookies.

6. Legal Basis and Consent

1. 6.1 Strictly necessary cookies are used based on Aryze's legitimate interest in providing a secure and functional service.
2. 6.2 All non-essential cookies (including analytics and functional cookies where required by law) are only used where you have provided consent.
3. 6.3 You can manage your cookie preferences through:
   • the cookie banner presented to you
   • your browser settings

7. Cookie Duration

1. 7.1 Cookies may be:
   • Session cookies (deleted when you close your browser)
   • Persistent cookies (stored for a defined period)
2. 7.2 Retention periods vary depending on the purpose of the cookie.

8. Managing Cookies

1. 8.1 You can control and manage cookies through your browser settings.
2. 8.2 You can:
   • block cookies
   • delete existing cookies
   • set preferences for certain websites
3. 8.3 Please note that disabling strictly necessary cookies may prevent the Services from functioning properly.

9. International Data Transfers

1. 9.1 Data collected through cookies may be processed outside the United Kingdom or European Economic Area.
2. 9.2 Where this occurs, appropriate safeguards are implemented in accordance with applicable law.

10. Updates to This Policy

1. 10.1 We may update this Cookie Policy from time to time.
2. 10.2 Updated versions will be made available through the Services.

11. Contact