Cookie Policy

Stefa Pay Inc. · Version 1.1 · Last updated: 4 October 2026

1. Introduction

This Cookie Policy explains what cookies are and how Stefa Pay Inc. ("Stefa Pay", "we", "us" or "our") uses them when you visit our website at s-pay.io and use the services offered through it (together, the "Site"). It should be read together with our Privacy Notice.

Stefa Pay Inc. is a company incorporated in the Province of Ontario, Canada, registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a money services business under number N300001170, with its registered office at 1110 Finch Avenue West, Unit 220, North York, Ontario, M3J 2T2, Canada. The company is also registered with the Bank of Canada as a payment service provider under the Retail Payment Activities Act (RPAA), registered since 9 September 2026.

2. What is a cookie

A cookie is a small text file that a website places on your device (computer, tablet or phone) when you visit it. Cookies let the website recognise your device, remember your preferences and understand how the Site is used. Similar technologies such as pixels, local storage and tags are covered by this Policy and referred to as "cookies".

3. What this Site stores in your browser

This Site does not set cookies. It does not use analytics, advertising or tracking technologies. It stores the following items in your browser's local storage. They stay on your device and are not sent to our servers.

sp-cookie-consent Always activeStrictly necessary. Remembers your choice in the cookie notice. Kept until you clear your browser data.

sp-lang and sp-lang2 OptionalFunctionality. Remember the language you choose. Stored only if you allow Functionality in the cookie notice. Kept until you clear your browser data.

Fonts are served from our own domain, so loading a page does not send your IP address to a third-party font service. Our hosting provider receives standard server logs (such as your IP address and browser type) when a page is loaded.

4. Consent

When you first visit the Site, a notice explains what is stored. The item that remembers your choice is strictly necessary and is stored automatically. The language item is stored only if you choose "Accept all" or turn on Functionality. "Necessary only" keeps just the necessary item and removes the language item. Your choice is stored and you can change it at any time.

5. How to delete the stored items

You can change your choice at any time using the "Cookie settings" link in the footer of the Site. You can also delete the stored items by clearing site data in your browser settings (usually under Options, Preferences or Privacy).

6. Change cookie settings

To review or update your cookie choices, open the "Cookie settings" link in the Site footer at any time and save your new preferences.

7. Changes to this Policy

We may update this Cookie Policy from time to time to reflect changes in technology, law or our practices. The "Last updated" date at the top shows when it was last revised. Material changes will be notified through the Site.

8. Contact

If you have questions about this Cookie Policy or how we use cookies, contact us:

Email: info@s-pay.io
Phone: +1 450 485 9061
Address: 1110 Finch Avenue West, Unit 220, North York, Ontario, M3J 2T2, Canada