TeleGiro Cookie Policy
Last Updated: July 10, 2025
Introduction
At TeleGiro, Inc. ("TeleGiro", "we," "us," or "our"), we use cookies and similar technologies on our website (www.telegiro.com), mobile applications, and digital financial services platform. This Cookie Policy explains what cookies are, how we use them in our comprehensive financial services including digital banking, domestic payments, and international remittances, and your choices regarding their use.
What Are Cookies?
Cookies are small text files that are placed on your device when you visit a website or use our mobile applications. They allow our platform to recognize your device and remember information about your visit, such as your preferences, settings, and banking session information. Cookies are essential for providing secure financial services and improving your user experience.
How We Use Cookies
We use cookies for the following purposes:
1. Essential Cookies
These cookies are necessary for our platform to function properly and cannot be switched off. They enable core functionality including security, authentication, banking operations, and payment processing.
| Cookie Name | Cookie Value | Purpose | Duration |
|---|---|---|---|
| TeleGiroGUID | Device info | Identifies trusted devices for secure banking access | 1 year |
| TeleGiroUser | Encrypted email | Maintains your secure login session | Session |
| SessionToken | Unique token | Secures your banking session | 24 hours |
| _RequestVerificationToken | Unique Token | Protects against CSRF attacks | Session |
2. Banking & Payment Services Cookies
These cookies are essential for providing our digital wallet, banking, and payment services through our partnership with Checkbook Inc.
| Cookie Name | Cookie Value | Purpose | Duration |
|---|---|---|---|
| checkbook_session | Session ID | Maintains Checkbook API connection | Session |
| wallet_id | Encrypted wallet ID | Identifies your digital wallet | 1 year |
| payment_preferences | Payment settings | Remembers preferred payment methods | 6 months |
| transaction_token | Transaction ID | Tracks payment processing status | 7 days |
| ach_verification | Verification status | ACH account verification status | 90 days |
3. Security & Compliance Cookies
These cookies help us meet regulatory requirements and protect your account from fraud.
| Cookie Name | Cookie Value | Purpose | Duration |
|---|---|---|---|
| mfa_token | Authentication token | Multi-factor authentication | 30 days |
| compliance_status | Compliance flags | BSA/AML compliance verification | 90 days |
| fraud_score | Risk assessment | Fraud prevention monitoring | Session |
| identity_verified | Verification status | Identity verification for FinCEN | 1 year |
| device_fingerprint | Device signature | Device recognition for security | 6 months |
4. Functionality and Personalization Cookies
These cookies enable enhanced functionality and personalization across our financial services.
| Cookie Name | Cookie Value | Purpose | Duration |
|---|---|---|---|
| _culture | Language code | Language preference | 1 year |
| timezone_offset | Time zone | Local time display for transactions | 1 year |
| ui_preferences | UI settings | Dashboard customization | 6 months |
| notification_prefs | Alert settings | Transaction notification preferences | 1 year |
5. Analytics and Performance Cookies
These cookies help us understand how you use our services and improve performance.
| Cookie Name | Cookie Value | Purpose | Duration |
|---|---|---|---|
| _ga | Google Analytics ID | Usage analytics | 2 years |
| _gid | Google Analytics ID | Session analytics | 24 hours |
| transaction_analytics | Usage patterns | Payment service analytics | 30 days |
| banking_metrics | Feature usage | Digital wallet usage metrics | 90 days |
6. Third–Party Service Cookies
We work with trusted partners to provide our services. These partners may set their own cookies:
- Checkbook Inc.: Payment processing and digital wallet services
- Banking Partners: Secure banking infrastructure
- Google Analytics: Usage analytics and performance monitoring
Your Cookie Choices
You have several options for managing cookies:
Essential Cookies
Essential cookies required for banking and payment services cannot be disabled while using our platform. Disabling these cookies will prevent you from accessing your account and conducting financial transactions.
Non-Essential Cookies
You can manage non-essential cookies through:
- Browser Settings: Modify your browser settings to accept or reject non-essential cookies
- Device Settings: Change privacy settings on mobile devices
- Cookie Preferences: Use our cookie preference center (available upon login)
Important Considerations
- Disabling certain cookies may limit functionality of our financial services
- Some features like saved payment methods require cookies to function
- Security features like device recognition rely on cookies for protection
Cookies and Financial Services
Digital Banking Services
Our banking cookies ensure:
- Secure session management for FBO accounts
- Encrypted storage of banking preferences
- Compliance with banking regulations
- Protection against unauthorized access
Payment Processing
Payment-related cookies enable:
- Secure transaction processing
- Payment method preferences
- Transaction history access
- Real-time payment status updates
International Remittances
Remittance service cookies provide:
- Exchange rate preferences
- Recipient information security
- Transaction tracking
- Compliance with international regulations
Data Security
All cookies containing sensitive financial information are:
- Encrypted using industry-standard encryption
- Transmitted only over secure HTTPS connections
- Subject to our comprehensive security measures
- Compliant with PCI-DSS standards
Third-Party Cookies and Services
Checkbook Inc.
As our payment platform provider, Checkbook may set cookies to:
- Maintain secure API connections
- Process payments efficiently
- Provide enhanced wallet features
- Ensure regulatory compliance
Analytics Providers
We use analytics services to improve our platform. These services use cookies to:
- Analyze usage patterns
- Identify technical issues
- Improve user experience
- Monitor platform performance
Legal Basis for Cookie Use
We use cookies based on:
- Legitimate Interest: For essential banking and security functions
- Consent: For analytics and personalization features
- Legal Obligation: For compliance and regulatory requirements
Updates to This Policy
We may update this Cookie Policy to reflect:
- Changes in our services or technology
- New regulatory requirements
- Expanded features or partnerships
- Security enhancements
Updates become effective upon posting to our website. We encourage you to review this policy periodically.
Contact Information
For questions about our cookie practices or to exercise your choices:
- Email: info@telegiro.com
- Phone: (323) 546-9392
- Mail: TeleGiro, Inc.
100 Almeria Ave Coral Gables, FL 33134
Regulatory Compliance
This policy complies with applicable regulations including:
- California Consumer Privacy Act (CCPA)
- General Data Protection Regulation (GDPR) where applicable
- Financial services privacy requirements
- FinCEN and BSA/AML regulations