1. What Are Cookies?
Cookies are small text files stored on your device (browser, computer, or mobile phone) that contain information about your browsing activity, preferences, and session state. When you visit Dire Money, our servers may send cookies to your device, and your device sends those cookies back to us with each subsequent request. Cookies enable us to recognize you, maintain your session, personalize your experience, and analyze platform usage.
2. Types of Cookies We Use
Essential Cookies (Required): These cookies are necessary for Dire Money to function. They enable basic operations such as:
- User authentication and session management
- Account security and multi-factor authentication
- CSRF (Cross-Site Request Forgery) protection
- Platform stability and load balancing
- Compliance logging and evidence trail documentation
Essential cookies cannot be disabled. If you block essential cookies, the Dire Money platform will not function properly.
Performance Cookies (Optional): These cookies help us measure and improve platform performance by collecting anonymous usage data:
- Page load times and performance metrics
- Feature usage patterns and user flow analysis
- Error rates and system stability indicators
- Geographic distribution of traffic
Performance data is aggregated and does not identify individual users.
Functional Cookies (Optional): These cookies store your preferences and settings to improve your experience:
- Language and locale preferences
- Display theme selection (if available)
- Saved UI preferences and layout choices
- Recent transaction or account filters
Analytics Cookies (Optional): We may use analytics providers (such as Google Analytics) to understand how visitors use our website:
- Anonymous usage statistics and traffic trends
- Visitor demographics and interests (aggregated)
- Content engagement and bounce rate analysis
Analytics cookies are subject to the analytics provider's privacy policy and data retention practices.
3. Third-Party Cookies
We may use third-party cookies from:
- Analytics providers: To measure website and platform performance
- Identity verification vendors: To complete KYC verification workflows
- Payment processors: To facilitate secure transaction processing
- Security providers: To prevent fraud and detect unauthorized access
- Content delivery networks: To optimize asset delivery and performance
Third-party cookies are subject to those providers' privacy policies. We recommend reviewing them to understand how these vendors process your data.
4. Cookie Retention & Duration
Cookies are retained for the following periods:
- Session cookies: Deleted when you close your browser (typically 24 hours maximum)
- Essential authentication cookies: Retained for the duration of your active session plus 7 days for account recovery purposes
- Performance & analytics cookies: Retained for up to 90 days before automated deletion
- Functional preference cookies: Retained for up to 1 year, or until manually cleared by you
- Tracking cookies: Deleted when you opt out or clear browser cookies
You can manually delete cookies anytime through your browser settings.
5. Cookie Consent & Opt-Out
Consent Banner: When you first visit Dire Money, a cookie consent banner appears. This banner allows you to:
- Accept all cookies (essential + optional)
- Accept only essential cookies (minimum functionality)
- Customize cookie preferences by category
- Access this Cookie Policy for detailed information
Your Choices: Your cookie preferences are saved in a persistent cookie. You can change your preferences at any time by revisiting the cookie banner or accessing your account settings (if logged in).
Essential Cookies Cannot Be Opted Out: Essential cookies for security, authentication, and compliance are mandatory for platform operation. If you reject essential cookies, you will not be able to use Dire Money Services.
6. Browser Cookie Settings
You can control cookies through your browser settings:
- Chrome: Settings → Privacy and Security → Cookies and Other Site Data
- Firefox: Preferences → Privacy → Cookies and Site Data
- Safari: Preferences → Privacy → Cookies and Website Data
- Microsoft Edge: Settings → Privacy and Security → Cookies and Site Permissions
Most browsers allow you to:
- Block all cookies (not recommended for Dire Money)
- Block third-party cookies only
- Clear cookies when you exit the browser
- Whitelist specific domains (allow Dire Money, block others)
Blocking essential cookies will prevent you from accessing or using Dire Money.
7. Similar Technologies
In addition to cookies, we may use similar tracking technologies:
- Web beacons/pixels: Invisible 1x1 images that track page views and email opens
- Local Storage: Browser-based data storage that persists even after cookies are cleared
- Session Storage: Temporary browser storage used during your active session
- Device fingerprinting: Identifying your device based on browser and hardware characteristics (for fraud prevention only)
These technologies serve similar purposes to cookies and are subject to the same preferences and opt-out mechanisms where possible.
8. Do Not Track (DNT) Signals
Some browsers and browser extensions send "Do Not Track" (DNT) signals to websites. Dire Money does not respond to or honor DNT signals for the following reasons:
- Essential cookies for security and authentication must be used regardless of DNT status
- Compliance with financial services regulations requires transaction logging and audit trails
- No industry-standard protocol exists for DNT implementation
Your explicit cookie preferences (set through our banner) take precedence over DNT signals.
9. Cookies & Compliance Obligations
As a US-registered money transmitter and NFA member, we use cookies and tracking technologies to:
- Maintain immutable audit logs of all user account activity
- Document user authentication and session activity for AML/KYC compliance
- Track transaction sequences and user behavior patterns for fraud detection
- Preserve evidence logs for regulatory review and dispute resolution
These compliance-focused cookies are non-negotiable and cannot be opted out of. However, we limit their scope to what is strictly necessary for regulatory and security purposes.
10. California Consumer Privacy Act (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with additional rights regarding cookies and tracking technologies:
- Right to Know: You can request what categories of cookies and tracking technologies we use
- Right to Delete: You can request deletion of non-essential cookies (essential cookies cannot be deleted)
- Right to Opt-Out of Sale: While we do not "sell" cookies or tracking data, if a sale of personal information occurs, you have the right to opt out
- Opt-Out Preference Signal: We honor "Global Privacy Control" (GPC) opt-out signals for optional cookies (not essential cookies)
To exercise CCPA rights, contact support@diremoneyllc.co.com.
11. European Union GDPR
If you are located in the EU, cookies are subject to GDPR requirements:
- Lawful Basis: We only use cookies based on your explicit consent (optional cookies) or legitimate interest / legal obligation (essential cookies)
- Consent Management: Our cookie banner provides transparent, granular consent options
- Data Transfer: By using Dire Money, you consent to cookies and personal data being processed in the United States
- Your Rights: You have the right to access, delete, and correct personal data collected through cookies
Note: Dire Money is a US financial services provider. Full GDPR compliance may be limited.
12. Changes & Contact Information
We may update this Cookie Policy periodically. Material changes will be communicated via email or prominent website notice. Your continued use of Dire Money following such updates constitutes acceptance of the updated policy.
For questions about cookies, opt-out requests, or to adjust your cookie preferences:
DIRE MONEY TRANSMITTER LLC
Email: support@diremoneyllc.co.com
Phone: +1 360 748 2605
Address: 9000 Renton Ave S Unit 1, Seattle, WA 98118, USA
Last Updated: April 2026
