Cookie Policy

1.1 Definition and Purpose of Cookies

This payment website (hereinafter referred to as the "Website", domain: www.payworldcard.com) uses Cookies and similar tracking technologies (such as pixel tags, HTML5 local storage, and session storage) to provide users with a safer, more convenient, and personalized USD payment service experience. Cookies are small text data files sent by the Website's server to the user's device (computer, mobile phone, tablet, etc.) and stored thereon when the user visits the Website. Their core purposes include, but are not limited to:

• Account Security Assurance: Verifying the user's login identity (e.g., identifying the logged-in status, preventing unauthorized account access), encrypting the transmission process of USD payment instructions, and ensuring the integrity of transaction information during transmission and storage to avoid tampering or theft of payment instructions;
• Service Experience Optimization: Automatically recording the user's common settings (e.g., default payment currency as USD, language preference, frequently used USD receiving account information, and payment page display mode) to reduce repeated operations for the user. For example, the user does not need to reselect the USD currency or fill in the frequently used USD receiving account when visiting the Website next time;
• Service Iteration Support: Identifying service bottlenecks (e.g., low payment success rate in the USD recharge step, slow page loading) by analyzing anonymized Website traffic data (such as page views, user stay time, jump paths in the USD payment process, and operation failure nodes), and optimizing system performance and function design in a targeted manner;
• Risk Prevention and Control: Identifying abnormal transaction behaviors (e.g., logging in with an uncommon device, making large-value USD payments in an unusual location, and attempting USD transfers multiple times in a short period) based on data recorded by Cookies, such as device identifiers, common login locations, and USD transaction operation habits, and triggering risk verification mechanisms (e.g., SMS verification codes, facial recognition) to prevent risks such as account theft and fraudulent payments, in compliance with anti-money laundering and international USD payment security compliance requirements.

1.2 Types and Management of Cookies

(1) Strictly Necessary Cookies

This type of Cookies is the foundation for the operation of the core functions of the USD payment service, and there is no alternative technical solution. Disabling them will prevent the user from normally using the core services of the Website. Specifically, they include:

• Account Authentication Cookies: Storing the user's login session identifier (e.g., Session ID) to ensure that the user does not need to log in repeatedly within the same browser session, and they will automatically become invalid after the session ends (when the browser is closed);
• Transaction Security Cookies: Recording temporary verification information during the USD payment process (e.g., encryption key for USD payment instructions, transaction session identifier) to ensure the continuity and security of the USD payment process;
• Basic Function Cookies: Supporting the normal loading of Website pages, submission of USD transaction forms (e.g., filling in the USD payment amount, confirming USD receiving information), and cross-page data transmission and other basic operations.

Users cannot disable this type of Cookies through the Website settings. If they are forcibly deleted or disabled through the browser, problems such as login failure, interruption of the USD payment process, and inability to query USD transaction records may occur.

(2) Functional Cookies

They are used to remember the user's personalized operation preferences and improve the convenience of the USD payment service, without collecting personally sensitive information. Specifically, they include:

• Preference Setting Cookies: Storing the user's selected default payment method (e.g., bound USD settlement bank card, priority of USD balance payment), frequently used delivery address (only storing the address identifier, not the complete address text), language (e.g., Chinese/English), time zone, etc. The validity period is 1 year (calculated from the last time the preferences were modified);
• Service Record Cookies: Recording the user's recent USD transaction query conditions (e.g., "USD transactions in the last 30 days", "USD transfer transactions") and frequently used operation menus (e.g., "My USD Bill", "Account Security Settings") for the user's quick access. The validity period is 6 months.

Users can disable this type of Cookies through browser settings. After disabling, the Website will not be able to remember the above preferences, and the user needs to reselect the USD payment method, fill in the address and other information every time they visit, but this will not affect the use of the core USD payment functions.

(3) Analytical Cookies

Provided by third-party analysis tools (such as Google Analytics, Baidu Statistics) cooperating with the Website, they are only used to collect anonymized Website usage data and are not associated with the user's personal identity information (e.g., name, ID card number, USD bank card number). Their specific purposes include:

• Traffic Statistics: Counting the number of daily unique visitors to the Website, page views, and the number of clicks on each USD service module (e.g., "USD Recharge" button, "USD Withdrawal" entry, "Help Center - USD Transaction Guide");
• Behavior Analysis: Analyzing the user's jump path in the USD payment process (e.g., the conversion rate from the "USD Recharge" page to the "Select USD Payment Method" page, the abandonment rate at a certain step) and average operation time, and identifying user operation pain points (e.g., users frequently exit due to unclear USD exchange rate instructions);
• Device and Browser Adaptation: Counting the type of devices (mobile phones/computers) and browser versions used by users to optimize the display effect and compatibility of the USD transaction pages of the Website on different devices.

The validity period of this type of Cookies is 13 months. Users can manage them in the following ways:

• Browser Settings: In browsers such as Chrome (Settings - Privacy and Security - Site Settings - Cookies and site data), Safari (Settings - Safari - Privacy and Security - Manage Cookies and Website Data), and Firefox (Settings - Privacy & Security - Cookies and Site Data), select "Block third-party Cookies" or delete the Cookies related to the analysis tools separately;
• Third-Party Tool Settings: Disable the USD transaction data tracking for this Website by accessing the "user opt-out" page on the official website of the analysis tool (e.g., the "Google Analytics Opt-out Browser Add-on" page of Google Analytics) and following the guidelines.

(4) Methods for Managing Cookies

Users can control the use of Cookies through the following multiple channels. The specific operation paths are as follows:

• Browser Settings:
  • Chrome Browser: After opening the browser, click the "three dots" icon in the upper right corner → select "Settings" → click "Site Settings" in the "Privacy and Security" section → select "Cookies and site data". You can choose "Allow all Cookies", "Block third-party Cookies", or "Block all Cookies (not recommended)". You can also search for "payworldcard.com" through "See all Cookies and site data" to delete the Cookies related to this Website;
  • Safari Browser (Mobile Version): Open the "Settings" of the mobile phone → find and click "Safari" → in the "Privacy and Security" section, enable "Block all Cookies" or "Prevent Cross-Site Tracking". You can also click "Manage Cookies and Website Data" and search for "payworldcard.com" to delete the related Cookies;
  • Firefox Browser: Click the "three horizontal lines" icon in the upper right corner → select "Settings" → find "Cookies and Site Data" in the "Privacy & Security" section. You can choose "Accept all Cookies" or "Only accept Cookies from sites you visit", or click "Manage Data" to delete the Cookies of this Website.
• Website Settings: After logging in to the account, the user enters the "Privacy Settings" page in "Personal Center - Account Security". In the "Cookie Preference Management" module, they can check "Allow Functional Cookies" and "Allow Analytical Cookies" (by default, only "Strictly Necessary Cookies" are checked). After modification, click "Save Settings" to take effect. The modification record will be synchronized to the user's account, and there is no need to reset it when logging in next time;
• Third-Party Tool Management: For analytical Cookies, users can access the privacy settings page on the official website of the third-party tool (e.g., the "Privacy & Terms" page of Google Analytics) and enable the "data tracking opt-out" function according to the guidelines. After opting out, the tool will no longer collect the user behavior data of this Website.

1.3 Data Protection and User Rights

• The Website adopts multiple security protection measures for the data collected by Cookies, including: data transmission encryption (using HTTPS protocol), storage encryption (using AES-256 encryption algorithm for sensitive data), and access permission control (only authorized technical operation and maintenance personnel can access, and multi-factor authentication is required) to prevent data leakage, tampering, or abuse;
• Users have the following rights regarding their personal data related to Cookies:
  • Right to Inquiry: Check the type of current Cookies, the collected data items (e.g., USD payment preference settings, operation records), and the validity period through "Personal Center - Privacy Settings - Cookie Data Inquiry";
  • Right to Correction: If the preference settings recorded by Functional Cookies are found to be incorrect (e.g., the default USD payment method is displayed incorrectly), the user can modify them directly through "Privacy Settings" or contact customer service for assistance in correction;
  • Right to Deletion: Except for Strictly Necessary Cookies, users can delete Functional Cookies and Analytical Cookies through browser or Website settings, or apply to delete historical Cookie data through customer service (the processing will be completed within 1 working day after the application is submitted);
  • Right to Withdraw Consent: Users can cancel their consent to Functional Cookies and Analytical Cookies in "Privacy Settings" at any time. After withdrawal, the Website will stop collecting relevant data, but this will not affect the legal use of the data collected before the withdrawal (except for anonymized data used for service optimization);
• If there is any change to the Cookie Policy (e.g., adding new types of Cookies, adjusting the validity period, changing third-party cooperative tools), the Website will notify users through the following methods 7 working days before the change takes effect:
  • Publish a "Cookie Policy Update Notice" in the announcement bar at the top of the Website's homepage, including the content of the change and the effective time;
  • Send a notification email to the user's registered email address (email subject: 【Important Notice】Update to PayWorldCard Cookie Policy);
  • Pop up a policy update prompt window when the user logs in, and the user can continue to use the service only after clicking "Confirm and Understand";

The revised Policy shall take effect from the effective time specified in the notice. The user's continued use of the Website's services shall be deemed as acceptance of the revised Policy.