Last updated: 08.12.2025

This Cookies policy explains how HAYO (“we”, “us”, or “our”) uses cookies and similar technologies on www.hayopay.com (“Website”).

By using our Website, you agree to the use of cookies as described in this policy.

1. What are cookies?

Cookies are small text files that websites place on your device to improve your browsing experience. They help us understand how you use our Website, enhance performance, and enable certain functionalities.

2. What types of cookies we use

We use the following categories of cookies:

Essential cookies

These cookies are necessary for the Website to function properly. Without them, certain features may not work as intended.

Analytics cookies

These cookies help us understand how visitors interact with our Website. We use this information to improve the content, design, and overall user experience. Examples include cookies from Google Analytics or similar tools.

Performance cookies

Performance cookies help us monitor the stability and speed of the Website, ensuring smooth and reliable operation.

Preference cookies

These cookies allow the Website to remember your settings or preferences, such as language or region.

Marketing cookies

Marketing cookies help us deliver more relevant content and measure the effectiveness of our communication efforts. If used, such cookies may come from third-party providers (e.g., advertising partners).

3. How long do cookies stay on your device?

Cookies may remain on your device for different periods:

• Session cookies – deleted automatically when you close your browser.

• Persistent cookies – stored on your device until they expire or you delete them manually.

4. Third-party cookies

Some cookies may be placed by trusted third parties to support features such as analytics, embedded content, or performance monitoring. These providers include Google, Cloudflare, and other service vendors. We do not control how third-party cookies operate. For more details, refer to the respective providers’ privacy policies.

5. How to manage or disable cookies

You can manage cookies directly through your browser settings. Most browsers allow you to:

• Block cookies

• Delete existing cookies

• Receive notifications before cookies are stored

However, disabling certain cookies may affect your experience and limit some functionalities of the Website.

For more information, visit your browser’s help section.

6. Updates to this policy

We may update this Cookies policy occasionally to reflect changes in technology, legal requirements, or how we operate the Website. The “Last updated” date at the top of the page indicates the most recent revision.

7. Contact us

If you have questions about this Cookies policy or our approach to privacy, please contact us using the form available on our Website or via: contact@hayopay.com

Get in touch

We are actively building partnerships with payment providers, issuers and technology partners. For inquiries, collaboration opportunities or documentation requests, please contact us using the form available on our website or via e-mail.

© 2025 HAYO Pay