Cookie Policy

This Cookie Policy explains what cookies are, which cookies and similar technologies are used on http://localhost:3000, and how you can control them.

1. What cookies are

Cookies are small text files placed on your device when you visit a website. They store information that allows the site to remember preferences or to measure usage. Some cookies are set by the site you are visiting (first-party), others by services embedded in it (third-party).

2. Categories used on this site

Strictly necessary

Required for the site to function. Always on. Cannot be disabled through the cookie banner. Used for session security, CSRF protection, storing your cookie consent record, and remembering your theme preference.

Analytics (consent required)

• Google Analytics 4: measures site usage and performance.
• Microsoft Clarity: session recording and heatmaps for usability analysis.

Marketing or tracking

None at this time.

Functional or preferences

Theme preference (dark or light) stored in localStorage.

3. Cookie details

Indicative cookie names are listed below. Actual cookie names set by third-party tools can change. Where unsure, consult the provider's own policy.

• op_session (first-party, strictly necessary, session duration): authenticated session.
• op-consent (first-party, strictly necessary, 12 months): your cookie consent record.
• op-theme (first-party, functional, 12 months): theme preference.
• _ga, _ga_* (Google Analytics 4, analytics, up to 14 months): usage analytics.
• _clck, _clsk (Microsoft Clarity, analytics, up to 12 months): session analytics.
• cf_chl_* (Cloudflare Turnstile, strictly necessary, short-lived): captcha challenge state.

4. Third-party cookies

Third-party providers operate under their own privacy and cookie policies:

• Google Analytics 4: policies.google.com/privacy
• Microsoft Clarity: privacy.microsoft.com
• Cloudflare: cloudflare.com/privacypolicy
• secserv.me: payment processor; cookies are set on its own checkout domain, not on ownpayltd.com.

5. How to manage cookies

You can change your consent at any time by opening the cookie preferences from the cookie banner. Most browsers also let you block or delete cookies through their settings. Blocking strictly necessary cookies will break parts of the site such as login or payment.

6. Updates

We update this Cookie Policy when the cookies used on the site change. The effective date is updated when the policy is revised.