Applies to Website, Checkout/Cashier Pages, and Related Services

1. Overview

This Cookie Policy explains how Apex Advisory Group Ltd (“CyberPay”) uses cookies and similar technologies (“Cookies”) on our website, checkout/cashier pages, APIs, and related services (the “Sites”).

Cookies help us deliver the Sites, protect them from fraud and abuse, understand usage, and (where applicable) support marketing.

2. What Are Cookies and Similar Technologies?

Cookies are small text files stored on your device. We may also use local storage, pixels, tags, SDKs, and device identifiers. “Cookies” in this policy refers to all such technologies.

3. Categories of Cookies We Use

We may use:

• Strictly Necessary / Security Cookies: core functionality, session management, load balancing, fraud prevention, abuse detection, security controls.
• Functional Cookies: preferences and user experience.
• Analytics Cookies: performance and usage insights.
• Marketing Cookies: campaign measurement and marketing (where enabled).

4. Cashier/Checkout Pages – Security and Fraud/Abuse Controls (Important)

Checkout/cashier pages are high-risk surfaces for fraud and abuse. On these pages, CyberPay uses Strictly Necessary / Security Cookies and similar signals to:

• prevent payment fraud and account takeover
• detect bots and automated abuse
• manage session integrity and transaction security
• enforce risk controls and comply with legal obligations

Because these Cookies are necessary to provide secure payment processing and protect users/partners, they may not be disabled on cashier pages where required for security and fraud prevention. Blocking them may cause the payment flow to fail or be refused.

5. Consent and Controls

Depending on your location, consent rules may apply to analytics/marketing cookies. Where required, we provide a banner or preference tool.

You can also control Cookies via your browser/device settings. Blocking certain Cookies may prevent the Sites (especially cashier pages) from functioning.

6. Third-Party Cookies

Some Cookies may be set by third parties providing services to us (e.g., analytics, security, fraud prevention, infrastructure). Those parties may process information under their own policies.

7. Retention

Cookies may be session-based or persistent. Retention depends on purpose and configuration.

8. Updates

We may update this policy from time to time. The “Last updated” date shows the latest version.