Cookie Policy
We believe in full transparency. Learn how MoniCard utilizes cookies and device storage to keep your financial account safe, seamless, and dependable.
MoniCard never shares your financial browsing footprint with data brokers. Review our Privacy Policy.
1. What Are Cookies & Local Storage?
Understanding cookies, web storage, and security tokens.
Cookies are compact text files stored on your browser or mobile device when you access websites or applications. In tandem with cookies, MoniCard utilizes modern HTML5 local storage and encrypted cryptographic session tokens.
First-Party Cookies vs. Third-Party Cookies
OriginFirst-party cookies are issued directly by MoniCard domains (e.g., monicard.com) and are essential for user authentication and session security. We do not sell tracking space to third-party ad networks.
Session Cookies vs. Persistent Cookies
LifespanSession cookies expire automatically once you close your browser or log out of your account. Persistent cookies remain stored on your device for a defined duration or until manually purged, remembering your security settings and language.
Web Storage & Device Telemetry
ProtectionWe utilize secure LocalStorage and SessionStorage to store temporary UI states and encrypted fraud-prevention telemetry tokens without exposing your financial information.
2. Categories of Cookies We Use
How we categorize cookies and the specific operational role of each.
MoniCard categorizes cookies into four distinct functional tiers:
Strictly Necessary Cookies
MandatoryVital for logging in, generating CSRF attack defenses, maintaining your authenticated session, and loading virtual card interfaces securely. These cannot be disabled.
Security & Fraud Prevention
Core SecurityUsed by our risk engines to verify device consistency, detect credential stuffing, prevent unauthorized bot attacks, and protect against SIM-swap fraud.
Functional & Preferences
CustomizationRemember your preferred regional currency view, bilingual language selection (French / English), and interface customization settings.
Performance & Diagnostics
TelemetryCollect anonymized crash logs, latency data across cellular networks (MTN / Orange), and feature usage metrics to optimize app responsiveness.
3. Cookie Inventory & Lifespans
Complete technical table of cookies deployed across MoniCard services.
Below is a comprehensive list of first-party and trusted infrastructure cookies utilized across the MoniCard web and mobile app ecosystem.
| Cookie Identifier | Category | Domain / Provider | Lifespan | Purpose |
|---|---|---|---|---|
| __mc_session_id | Strictly Necessary | monicard.com | Session | Maintains authenticated user wallet state and session encryption. |
| __mc_csrf_token | Strictly Necessary | monicard.com | Session | Guards against Cross-Site Request Forgery during financial submissions. |
| __mc_device_fingerprint | Security & Fraud | monicard.com | 180 Days | Verifies recognized trusted devices to prevent unauthorized logins. |
| __mc_lang_pref | Functional | monicard.com | 365 Days | Stores selected interface language (English or Français). |
| __cf_bm / cf_clearance | Security & CDN | Cloudflare | 30 Minutes | DDoS protection, bot traffic suppression, and rate-limiting. |
| __mc_telemetry_opt | Performance | monicard.com | 90 Days | Records anonymized network latency during Mobile Money API calls. |
4. Managing Cookie Preferences
Step-by-step guidance on modifying, blocking, or deleting cookies.
You have full autonomy over non-essential cookies. You can modify your preferences at any time through your browser settings or directly via device controls.
Browser Configuration
Most browsers allow you to reject cookies or prompt you before accepting them. Access Settings / Privacy & Security in Google Chrome, Apple Safari, Mozilla Firefox, or Microsoft Edge.
Clearing Existing Cookies
You can purge all stored cookies at any time from your browser cache. Note that doing so will sign you out of your MoniCard web dashboard and require two-factor re-verification.
Impact of Disabling Cookies
Disabling strictly necessary cookies may render virtual card generation, live wallet updates, and transaction confirmations non-operational for security reasons.
5. Policy Revisions & Inquiries
How we notify you of cookie changes and contact details.
We may update this Cookie Policy from time to time to reflect technological upgrades, regulatory shifts, or the introduction of new banking capabilities.
Revision Notifications
NoticeWhen meaningful changes are made, we will alert you via an updated timestamp on this page and an in-app security notification prior to the changes taking effect.
Privacy Desk Inquiries
SupportFor questions regarding our cookie practices, please contact our Data Protection Officer at privacy@monicard.com or reach out via our Help Centre.
Have questions about cookies on your device?
Reach out to our privacy engineering team for answers on cookie security, token lifetimes, and telemetry controls.
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