This Cookie Policy explains how MySwiftBill (“we”, “us”, “our”) uses cookies and similar technologies when you visit or use our website, merchant dashboard, payment pages and related services (“Platform”).
This policy should be read together with our Privacy Policy, General Terms of Service, Data Retention & Protection Policy, KYC Policy and Anti-Money Laundering Policy.
Cookies are small text files that are stored on your device when you visit a website.
Cookies allow a website to recognise a device, remember certain information and provide functionality such as maintaining a login session.
We may also use similar technologies, such as local storage, session storage, pixels and other technologies that perform functions similar to cookies.
We may use cookies and similar technologies to:
We do not use cookies to store your password or sensitive payment credentials.
These cookies are required for the Platform to function properly. They may be used for authentication, login sessions, security, fraud prevention, session management, load balancing, and protecting forms and requests against unauthorised activity.
Because these cookies are necessary for the operation and security of the Platform, they generally cannot be disabled through our cookie settings without affecting certain Platform functionality.
| Cookie Type | Purpose |
|---|---|
| Authentication / session cookie | Keeps you logged in |
| Security cookie | Helps protect against malicious activity |
| CSRF / security token | Helps protect forms and requests |
| Load-balancing cookie | Helps route requests reliably |
Functional cookies allow the Platform to remember preferences and settings. For example, they may remember language preferences, display preferences, previously selected settings, and other preferences necessary to provide a consistent experience. These cookies may not be essential to the basic operation of the Platform.
Where enabled, we may use analytics technologies to understand how visitors use our website. Analytics information may help us understand which pages are visited, how users navigate the website, which features are used, website performance, errors and technical problems, and general usage trends. Where possible, analytics information will be configured to minimise the collection of unnecessary personal information.
MySwiftBill does not currently use cookies for behavioural advertising or targeted advertising. If we introduce marketing or advertising cookies in the future, we will update this Cookie Policy and provide appropriate choices or consent mechanisms where required by applicable law.
Our payment pages may use strictly necessary cookies or similar technologies required to:
Payment processing may also involve third-party payment providers. These providers may use their own cookies or similar technologies in connection with their services.
Some services integrated into our Platform may place cookies or use similar technologies. These services may include:
Third parties may process information in accordance with their own privacy and cookie policies.
We do not permit third parties to use cookies to access merchant passwords or sensitive payment credentials stored by MySwiftBill.
Session Cookies are temporary and are generally deleted when you close your browser or when your session expires. They may be used for authentication, security and normal Platform functionality.
Persistent Cookies remain on your device for a defined period or until they are manually deleted. They may be used to remember preferences or support analytics and other functionality.
Different cookies have different lifetimes. Strictly necessary session cookies may expire when your session ends. Other cookies may remain for a defined period depending on their purpose.
We seek to avoid keeping cookies for longer than reasonably necessary for the purpose for which they are used.
You can control cookies through your web browser. Most browsers allow you to:
However, disabling strictly necessary cookies may prevent some parts of the Platform from functioning properly, including login, security and payment-related features.
Where applicable, MySwiftBill will request consent before placing non-essential cookies or using similar technologies that require consent under applicable law.
Strictly necessary cookies may be used without consent where they are necessary to provide a service requested by the user or to operate and secure the Platform, subject to applicable law.
You may withdraw or change your cookie preferences where applicable.
Some cookies may be associated with information that can identify or relate to an individual. Where cookie information constitutes personal data, we will process it in accordance with applicable data protection laws and our Privacy Policy.
The Ghana Data Protection Act, 2012 (Act 843) establishes principles governing the collection and processing of personal data, including requirements relating to lawful processing, purpose limitation, data minimisation, security safeguards and data-subject rights.
We take reasonable technical and organisational measures to protect information associated with cookies and similar technologies. Security measures may include:
We may change cookie configurations as our security requirements evolve.
We may update this Cookie Policy from time to time to reflect changes in our services, cookies and technologies we use, third-party service providers, applicable laws or regulations, and our privacy and security practices.
The updated policy will be published on our website with a revised “Last Updated” date.
If you have questions about our use of cookies or similar technologies, contact us:
Effective Date: August 15, 2026
Last Updated: August 15, 2026