Cookie Policy
Version 1.0 | Effective: April 2026 | FINTRAC MSB: 1001308627
1. What Are Cookies
Cookies are small text files that are placed on your device (computer, tablet, or mobile phone) when you visit a website. They are widely used to make websites work more efficiently, to provide a better user experience, and to supply information to website operators.
Cookies may be set by the website you are visiting (“first-party cookies”) or by third parties whose services the website uses (“third-party cookies”). Cookies can be “session cookies” (which are deleted when you close your browser) or “persistent cookies” (which remain on your device for a set period or until you delete them).
This Cookie Policy explains how Glacierpay Inc. (“Glacierpay,” “we,” “us,” or “our”) uses cookies and similar tracking technologies on our website at glacier-pay.com (the “Website”). This Policy should be read in conjunction with our Privacy Policy.
2. How We Use Cookies
Glacierpay uses cookies on our Website for the following purposes:
- Essential operations: To enable core functionality such as session management, user authentication, security protections, and load balancing, without which the Website cannot function properly;
- Performance improvement: To understand how visitors interact with our Website by collecting and reporting information on usage patterns, page views, and user journeys (planned implementation);
- User preferences: To remember your preferences, such as language settings and display configurations, so that we can personalise your experience;
- Security: To detect and prevent fraudulent activity, protect user accounts, and ensure the integrity of our platform.
We do not use cookies to serve targeted advertising. We do not sell or share cookie data with third parties for their own marketing purposes.
3. Types of Cookies We Use
3.1 Strictly Necessary Cookies
These cookies are essential for the Website to function and cannot be switched off in our systems. They are usually set in response to actions you take which amount to a request for services, such as logging in, setting your privacy preferences, or completing forms.
Strictly necessary cookies enable:
- Session management: Maintaining your authenticated session as you navigate between pages;
- Security: Implementing CSRF protection, preventing unauthorised access, and supporting secure authentication flows;
- Load balancing: Distributing traffic across our servers to ensure optimal performance and availability.
These cookies are always active and do not require your consent, as they are strictly necessary for the provision of the service you have requested. You can set your browser to block these cookies, but some parts of the Website may not function properly.
3.2 Performance & Analytics Cookies
Performance and analytics cookies allow us to measure and improve the performance of our Website. They help us understand which pages are the most and least popular, how visitors move around the site, and where visitors encounter errors.
Glacierpay plans to implement Google Analytics for this purpose. When deployed, these cookies will collect information including:
- Traffic volumes and sources;
- Page views and time spent on pages;
- User journeys and navigation paths;
- Browser type, device type, and operating system;
- Approximate geographic location (country/city level).
All information collected by these cookies is aggregated and anonymised. These cookies require your consent before being placed on your device. If you do not consent, these cookies will not be set and your browsing experience will not be affected.
3.3 Functional Cookies
Functional cookies enable the Website to provide enhanced functionality and personalisation. They may be set by us or by third-party providers whose services we have added to our pages.
Functional cookies support:
- Language preferences: Remembering your preferred language so the Website displays content accordingly;
- Display settings: Retaining your display preferences (such as theme or layout choices) across sessions.
These cookies require your consent. If you do not allow these cookies, some or all of these features may not function properly.
3.4 Marketing & Advertising Cookies
Marketing and advertising cookies are used to track visitors across websites and display advertisements that are relevant and engaging for the individual user.
Glacierpay does not currently use marketing or advertising cookies. This category is reserved for potential future use. Should we implement marketing cookies, this Policy will be updated accordingly, and your explicit consent will be obtained before any such cookies are placed on your device.
4. Cookie Table
The following table details the specific cookies used on the Glacierpay Website:
4.1 Strictly Necessary Cookies
| Cookie Name | Provider | Purpose | Duration | Type |
|---|---|---|---|---|
| __next | Glacierpay (First Party) | Next.js framework cookie for session state management and server-side rendering optimisation | Session | Strictly Necessary |
| next-auth.session-token | Glacierpay (First Party) | NextAuth.js session token for authenticated user session management and secure login persistence | 30 days | Strictly Necessary |
| next-auth.csrf-token | Glacierpay (First Party) | Cross-site request forgery protection token to secure form submissions and API requests | Session | Strictly Necessary |
| next-auth.callback-url | Glacierpay (First Party) | Stores the callback URL for authentication redirects after successful login | Session | Strictly Necessary |
4.2 Performance & Analytics Cookies (Planned)
| Cookie Name | Provider | Purpose | Duration | Type |
|---|---|---|---|---|
| _ga | Google Analytics (Third Party) | Distinguishes unique users by assigning a randomly generated number as a client identifier; used to calculate visitor, session, and campaign data | 2 years | Performance |
| _gid | Google Analytics (Third Party) | Distinguishes unique users for the current day; used to throttle request rate and aggregate daily usage statistics | 24 hours | Performance |
| _gat | Google Analytics (Third Party) | Throttles the request rate to Google Analytics servers, limiting data collection on high-traffic sites | 1 minute | Performance |
5. Managing Your Cookies
You have the right to decide whether to accept or reject cookies (other than strictly necessary cookies). You can manage your cookie preferences in the following ways:
5.1 Cookie Banner
When you first visit our Website, a cookie consent banner will be displayed allowing you to accept or reject non-essential cookies. You may change your preferences at any time by clicking the “Cookie Settings” link in the footer of our Website.
5.2 Browser Settings
Most web browsers allow you to control cookies through their settings. You can typically set your browser to block all cookies, block third-party cookies, accept all cookies, or delete cookies when you close your browser. Please note that blocking all cookies may impair the functionality of the Website.
Instructions for managing cookies in common browsers:
- Google Chrome:Settings → Privacy and Security → Cookies and other site data
- Mozilla Firefox:Settings → Privacy & Security → Cookies and Site Data
- Apple Safari:Preferences → Privacy → Manage Website Data
- Microsoft Edge:Settings → Cookies and site permissions → Manage and delete cookies and site data
5.3 Opt-Out of Google Analytics
When Google Analytics is implemented, you may opt out by installing the Google Analytics Opt-out Browser Add-on, available at tools.google.com/dlpage/gaoptout. This add-on prevents the Google Analytics JavaScript from sharing visit activity data with Google Analytics.
6. Consent Mechanism
Glacierpay is committed to ensuring that your cookie preferences are respected. Our consent mechanism operates as follows:
- Cookie banner: Upon your first visit to the Website, a clearly visible cookie consent banner is presented, providing you with a clear choice to accept or reject non-essential cookies;
- Granular consent:You may choose to accept or reject individual categories of non-essential cookies (Performance & Analytics, Functional, Marketing) rather than accepting or rejecting all at once;
- No pre-ticked boxes: Non-essential cookie categories are not selected by default. Your affirmative action is required to enable them;
- Withdraw consent at any time:You may withdraw or modify your consent at any time by accessing the “Cookie Settings” link available in the Website footer. Any cookies already placed will continue to function until they expire or you delete them through your browser settings;
- Consent record: We maintain a record of your cookie consent preferences for audit and compliance purposes.
7. Third-Party Cookies
In addition to our own first-party cookies, certain third-party services integrated into our Website may place cookies on your device. Glacierpay carefully selects third-party service providers and requires them to handle data in accordance with applicable privacy laws.
7.1 Sumsub Verification Widget
As part of our regulatory obligations under Canadian anti-money laundering legislation, we use the Sumsub identity verification widget during the client onboarding process. When you interact with the Sumsub widget, Sumsub may set its own cookies on your device for the purposes of:
- Managing the verification session;
- Preventing fraud during the identity verification process;
- Ensuring the security and integrity of submitted documents.
These cookies are classified as strictly necessary for the identity verification service. For further information, please refer to Sumsub's privacy policy.
7.2 Google Analytics (Planned)
When implemented, Google Analytics will set third-party cookies (as detailed in Section 4.2 above) to collect anonymised usage data. Google's use of data is governed by Google's Privacy Policy and the Google Analytics Terms of Service. We will implement IP anonymisation to ensure that your full IP address is not stored by Google.
8. Do Not Track Signals
Some web browsers transmit “Do Not Track” (“DNT”) signals to the websites you visit, indicating your preference not to be tracked. There is currently no universally accepted standard for how websites should respond to DNT signals.
Glacierpay honours Do Not Track signals. When we detect a DNT signal from your browser:
- We will not set any non-essential cookies on your device;
- We will not load third-party analytics or tracking scripts;
- Strictly necessary cookies will continue to function as they are essential for the operation of the Website.
9. Changes to This Policy
Glacierpay reserves the right to update this Cookie Policy at any time to reflect changes in our use of cookies, changes in technology, or changes in applicable law. When we make material changes:
- The revised Policy will be published on our Website with an updated “Effective Date”;
- We will notify you of material changes via a prominent notice on the Website or, where appropriate, via email;
- Where changes involve the introduction of new cookie categories or new third-party cookies, your consent will be re-obtained via the cookie banner;
- Continued use of the Website after the effective date of any changes constitutes acceptance of the updated Policy.
We encourage you to review this Policy periodically to stay informed about how we use cookies.
10. Contact
If you have any questions, concerns, or requests regarding this Cookie Policy or our use of cookies, please contact us:
| Contact Method | Details |
|---|---|
| [email protected] | |
| Company | Glacierpay Inc. |
| Jurisdiction | Ontario, Canada |
| Website | glacier-pay.com |
We will respond to your enquiry within a reasonable timeframe and in accordance with applicable data protection legislation.