Cookie Policy - Payxem
Last updated: 24 April 2026
What Are Cookies?
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences, improve your experience, and provide analytics about how the site is used.
Payxem primarily uses local storage and session storage (similar browser technologies) rather than traditional cookies. These work the same way but are managed by your browser and are not sent to servers with every request.
Where this policy applies
This policy covers all Payxem-owned surfaces, including:
payxem.com(this marketing site)app.payxem.com(the Payments web app)pxem.linkandpxem.link/@username(your Digital Business Card){username}.payxem.com(your Portfolio page)hi.payxem.com(legacy cards host)
Payxem public pages (Cards, Portfolios, pay links) generally do not set tracking cookies for visitors. Request-level logs (IP, user agent, referrer, country) may still be recorded to prevent abuse, rate-limit traffic, and power the page owner’s analytics. See the Privacy Policy for details on public page visitor logs.
Storage We Use
Essential Storage (Required)
These are necessary for the platform to function. You cannot opt out of these.
| Storage Name | Purpose | Duration |
|---|---|---|
| Authentication Token | Keeps you logged in and verifies your identity | Until logout |
| User Profile | Caches your name and role for display | Until logout |
| PIN Lock Hash | Stores your security PIN (hashed, not readable) | Until removed |
| Biometric Credential | Enables fingerprint/face login | Until disabled |
| Session Verification | Confirms PIN was entered this session | Session (closed with browser) |
| Service Worker Cache | Stores app files for fast loading and offline access | Until app update |
Functional Storage (Optional)
These improve your experience but are not required for the platform to work.
| Storage Name | Purpose | Duration |
|---|---|---|
| Install Banner Dismissed | Remembers if you dismissed the app install prompt | Permanent |
| Current Tab Selection | Remembers which section you were viewing | Session |
Analytics (Optional)
We use analytics to understand how people use Payxem so we can improve the platform.
| Service | Used On | Purpose | Duration | Privacy Policy |
|---|---|---|---|---|
| Umami Cloud | App + Website | Privacy-focused analytics: page views, device type, country | No cookies set (cookieless) | Umami Privacy |
| Google Analytics | Website only (payxem.com) | Page views, user flow, referral source | 2 years | Google Privacy Policy |
What We Track:
- Pages you visit
- Time spent on the platform
- Browser and device type
- Country and region (not exact location)
- How you found Payxem (referral source)
What We DON’T Track:
- Your personal information (name, email, address)
- Your financial data or transaction details
- Your exact location or IP address (beyond country/region)
- Anything across other websites you visit
Note: Umami is privacy-focused and does not use cookies. It collects anonymous usage data without tracking individual users.
Third-Party Cookies
When you use payment processors through Payxem, they may set their own cookies:
Payment Processors:
- Stripe (for card payments, Apple Pay, Google Pay)
- PayPal (for PayPal payments)
These cookies are controlled by the respective payment providers. Review their privacy policies:
How We Use Storage
Security:
- Keep your account secure with authentication tokens
- Protect your account with PIN lock and biometric login
- Prevent unauthorized access
Functionality:
- Remember your login status
- Cache your profile for fast page loads
- Provide offline access through service worker
Performance:
- Understand how people use the platform (via analytics)
- Identify technical issues
- Improve features and user experience
Legal Compliance:
- Meet regulatory requirements
- Maintain audit logs where required
Managing Your Preferences
Essential Storage
You cannot disable essential storage as it is required for the platform to function. If you clear this data, you will be logged out and need to sign in again.
Optional Storage
Browser Settings: Most browsers allow you to control cookies and local storage through their settings:
Opt Out of Analytics:
- Google Analytics: Google Analytics Opt-out
- Umami: No opt-out needed, Umami does not use cookies or track individual users
Mobile Devices:
- iOS: Settings > Safari > Block All Cookies
- Android: Settings > Site Settings > Cookies
Do Not Track (DNT)
Some browsers offer a “Do Not Track” signal. We do not track users across other websites, so enabling DNT will not change how we collect data on Payxem.
Data Retention
Session Storage: Deleted when you close your browser Local Storage: Stored until you log out or clear browser data Analytics Data: Retained for 26 months, then automatically deleted Service Worker Cache: Cleared on app updates or when admin pushes an update
Cookies and Privacy
This policy is part of our Privacy Policy. By using Payxem, you agree to our use of cookies and similar technologies as described here.
Your Rights:
- Access information about what data we store locally on your device
- Clear all stored data by logging out and clearing browser data
- Withdraw consent for optional analytics at any time
- Request deletion of analytics data by contacting us
Children’s Privacy
Payxem is not intended for users under 18. We do not knowingly collect data from children.
Updates to This Policy
We may update this Cookie Policy to reflect changes in technology or regulations. Updates will be posted on this page with a new “Last Updated” date.
Material Changes: If we make significant changes to how we use cookies or storage, we will notify you via email or platform notification.
Contact Us
Questions about our use of cookies and storage?
Email: support@payxem.com Subject Line: “Cookie Policy Question”
Your use of Payxem is subject to this Cookie Policy, our Terms of Service, and our Privacy Policy.
