This Cookies Policy explains how VALAR GLOBAL SERVICES LIMITED (“ValarPay”) uses cookies and similar tracking technologies on our website, mobile application, and digital platforms.

1. What Are Cookies?

Cookies are small text files stored on your device that help us enhance security, improve performance, analyse usage, and remember your preferences.

2. Types of Cookies We Use

• Essential Cookies: Required for login, session management, security, and transaction functions.
• Performance & Analytics Cookies: Help us analyse crash logs, navigation patterns, and user engagement.
• Functional Cookies: Remember your preferences, settings, and personalization options.
• Security Cookies: Detect fraud, unusual login attempts, and protect account integrity.
• Advertising Cookies (If Enabled): Used to deliver relevant promotions from ValarPay.
  *Note: ValarPay does not show third-party ads inside the app.*

3. Why We Use Cookies

• To keep your session active
• To analyse and improve app performance
• To personalise your experience
• To enhance security and detect fraud
• To remember device and usage preferences

4. Third-Party Cookies

Some cookies may be placed by trusted partners such as analytics providers, cloud hosting services, KYC verification platforms, and payment processors. All third parties operating on our behalf are required to comply with NDPR and applicable data privacy laws.

5. Managing Cookies

You can manage cookies via:

• Your browser settings
• Device privacy controls
• Clearing cached data
• Disabling specific categories of cookies

Disabling essential cookies may limit your ability to use some features of the ValarPay platform.

6. Changes to This Policy

We may update this Cookies Policy occasionally. Changes will be posted on the ValarPay website or app, and the “Last Updated” date will be refreshed accordingly.

7. Contact Us

VALAR GLOBAL SERVICES LIMITED

Address: 23, OGAGIFO STREET, OFF DBS ROAD, BEFORE GQ SUITES, ASABA, DELTA STATE.

Email: support@valarpay.com

Phone: 02013309609