1. What Are Cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners to make their websites work, or to work more efficiently, as well as to provide reporting information.

Cookies set by the website owner (in this case, Livuma) are called "first-party cookies". Cookies set by parties other than the website owner are called "third-party cookies". Third-party cookies enable third-party features or functionality to be provided on or through the website (such as advertising, interactive content, and analytics).

2. Why Do We Use Cookies?

We use first-party and third-party cookies for several reasons. Some cookies are required for technical reasons for our website to operate, and we refer to these as "essential" or "strictly necessary" cookies. Other cookies enable us to track and target the interests of our users to enhance the experience on our website. Third parties serve cookies through our website for analytics, personalization, and advertising purposes.

The specific types of first and third-party cookies served through our website and the purposes they perform are described below:

3. Types of Cookies We Use

Essential Cookies

These cookies are strictly necessary to provide you with services available through our website and to use some of its features, such as access to secure areas. Without these cookies, services you have asked for, like secure login accounts, would not be possible.

Functionality Cookies

These cookies allow our website to remember choices you make when you use our website, such as remembering your login details or language preferences. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you visit our website.

Analytics and Performance Cookies

These cookies collect information that is used either in aggregate form to help us understand how our website is being used or how effective our marketing campaigns are, or to help us customize our website for you. We use analytics cookies from services like Google Analytics.

Targeting and Advertising Cookies

These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests.

Social Media Cookies

These cookies are used when you share information using a social media sharing button or engage with our content on or through a social site. The social network will record that you have done this.

Payment Processor Cookies

When you make a payment through our platform, our payment processor (Xendit) may set cookies to facilitate secure payment processing, prevent fraud, and maintain your payment session. These cookies are essential for processing payments and ensuring transaction security.

Identity Verification (KYC) Cookies

When you complete identity verification through our KYC provider (Didit), they may set cookies to maintain your verification session, securely handle document uploads, and ensure the integrity of the verification process. These cookies are necessary for the identity verification process to function properly.

4. Cookie Reference Table

The table below lists the specific cookies set on our platform, their purpose, provider, type, and lifetime.

Third-party providers may also set additional cookies not listed here in accordance with their own policies. Analytics and marketing cookies are only set after you accept them in the cookie consent banner.

5. How Can You Control Cookies?

You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences in the following ways:

Browser Controls

Most browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience, since it will no longer be personalized to you. It may also stop you from saving customized settings like login information.

Cookie Management Tools

We provide a cookie consent tool when you first visit our website that allows you to accept or decline different types of cookies. You can change your preferences at any time by clicking on the "Cookie Preferences" link in the footer of our website.

Third-Party Opt-Out Tools

For cookies served by third parties, you can use their own opt-out tools. For example, you can opt out of Google Analytics by installing Google's opt-out browser add-on.

6. Other Tracking Technologies

Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called "tracking pixels" or "clear gifs"). These are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our website or opened an email that we have sent them.

This allows us, for example, to monitor the traffic patterns of users from one page within our website to another, to deliver or communicate with cookies, to understand whether you have come to our website from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of email marketing campaigns.

7. Do Not Track

Some browsers have incorporated "Do Not Track" (DNT) features that can send a signal to the websites you visit indicating you do not wish to be tracked. Because there is not yet a common understanding of how to interpret the DNT signal, our website does not currently respond to browser DNT signals. Instead, you can use the range of other tools we provide to control data collection and use, including the cookie management tool described above.

8. Changes to This Cookie Policy

We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.

The date at the top of this Cookie Policy indicates when it was last updated.

9. More Information

If you have any questions about our use of cookies or other technologies, please email us at [email protected].

Please also see our Privacy Policy for more information about how we collect, use, and share your information.