Last Updated: 29 July 2026
1. Introduction
SWIFT99 PAY INC (“SWIFT99 PAY INC”, “we”, “our”, or “us”) uses cookies and similar tracking technologies on our website to improve user experience, enhance security, analyse website performance, and provide reliable access to our international money transfer services.
This Cookie Policy explains what cookies are, how we use them, and how you can manage your cookie preferences when using our website.
This policy should be read together with our Privacy Policy and Terms and Conditions.
SWIFT99 PAY INC is incorporated in Ontario, Canada (Corporation No. OCN 710626623) and is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Registration No. C10001639, under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).
2. What Are Cookies?
Cookies are small text files placed on your device (computer, smartphone, or tablet) when you visit a website.
Cookies allow websites to recognise your device, remember your preferences, improve functionality, and understand how users interact with online services.
Cookies do not typically contain information that directly identifies you, but certain information collected through cookies may be linked with personal information we hold about you.
3. How We Use Cookies
SWIFT99 PAY INC uses cookies for the following purposes:
Website Functionality
We use cookies to:
Enable essential website features.
Remember your preferences.
Maintain secure account sessions.
Improve navigation and accessibility.
Security and Fraud Prevention
We use cookies and similar technologies to:
Protect customer accounts.
Detect suspicious activity.
Prevent unauthorised access.
Support security monitoring.
Performance and Analytics
We use cookies to understand:
How visitors use our website.
Which pages are viewed most frequently.
Website performance and technical issues.
Ways to improve our services.
Customer Experience
Cookies help us:
Provide a smoother user experience.
Remember user settings.
Improve website functionality.
4. Types of Cookies We Use
Essential Cookies
These cookies are necessary for the operation of our website and cannot usually be disabled.
They help with:
Account login functionality.
Secure access.
Transaction processes.
Website security.
Without these cookies, some website features may not function properly.
Functional Cookies
These cookies allow our website to remember choices you make and provide enhanced functionality.
Examples include:
Language preferences.
Display preferences.
User settings.
Analytics Cookies
These cookies help us understand how visitors interact with our website.
They may collect information such as:
Pages visited.
Time spent on pages.
Browser type.
Device information.
General location information.
This information helps us improve website performance and user experience.
Security Cookies
These cookies support security measures by helping us:
Identify unusual activity.
Protect accounts.
Reduce fraud risks.
Maintain secure transactions.
Marketing Cookies
Where applicable, marketing cookies may be used to:
Measure advertising effectiveness.
Understand user interests.
Improve communication about our services.
We only use these cookies where permitted by applicable laws.
5. Third-Party Cookies
Some cookies may be placed by trusted third-party service providers that support our website operations.
These may include providers for:
Website analytics.
Security services.
Customer support tools.
Payment and technology services.
Third parties may process information according to their own privacy policies.
SWIFT99 PAY INC does not control third-party cookies and recommends reviewing the privacy policies of those providers.
6. How Long Cookies Remain on Your Device
Cookies may be:
Session Cookies
These cookies are temporary and are deleted when you close your browser.
Persistent Cookies
These cookies remain on your device for a specific period or until manually deleted.
The duration of cookies depends on their purpose and the service provider that creates them.
7. Managing Your Cookie Preferences
You can control or delete cookies through your browser settings.
Most browsers allow you to:
View stored cookies.
Delete existing cookies.
Block certain cookies.
Receive notifications before cookies are placed.
Please note that disabling essential cookies may affect the functionality, security, or availability of certain parts of our website.
8. Cookies and Personal Information
Cookies may collect technical information such as device details, browser information, and website activity.
Where cookie information is combined with personal information, we handle it according to our Privacy Policy and applicable data protection laws.
9. Data Protection and Privacy
SWIFT99 PAY INC takes reasonable measures to protect information collected through cookies and similar technologies.
We follow applicable privacy and data protection requirements and maintain appropriate safeguards to protect customer information.
10. Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect:
Changes to our website.
Changes in technology.
Regulatory requirements.
Updates to our services.
Any changes will be published on this page with an updated revision date.
11. Contact Us
If you have questions about this Cookie Policy or how we use cookies, please contact us.
SWIFT99 PAY INC
Ontario, Canada
Website: https://swift99inc.com