Cookie Policy

1. Introduction

This Cookie Policy explains how My Direct Debits ("we", "us", or "our"), operated by Voliciti Group Ventures Ltd, uses cookies and similar technologies when you visit our website at mddreminder.uk or use our application.

We are committed to transparency. We do not use analytics, advertising, or marketing cookies. We do not track your browsing behaviour across other websites. The only technologies we use are essential to making the service work.

2. What Are Cookies?

Cookies are small text files placed on your device by websites you visit. "Similar technologies" include localStorage and sessionStorage, which serve comparable purposes within your browser. These are used to remember preferences, maintain sessions, and ensure the website functions correctly.

3. Technologies We Use

We only use strictly essential technologies required for the service to function. These cannot be disabled without breaking the application.

3.1 Authentication Token (localStorage)

When you sign in, we store a secure authentication token (JWT) in your browser's localStorage. This keeps you logged in between visits so you don't have to re-enter your credentials each time. This token contains no personal data beyond your account identifier and expires automatically.

• Technology: localStorage (similar to cookies)
• Purpose: Authentication and session management
• Duration: Until you log out or the token expires (30 days)
• Category: Strictly essential

3.2 Cookie Consent Preference (localStorage)

We store your acknowledgement of this cookie notice so the banner is not shown on every visit.

• Technology: localStorage
• Purpose: Remember your consent acknowledgement
• Duration: Persistent until cleared
• Category: Strictly essential

3.3 Cloudflare (Third-Party)

Our website is served through Cloudflare, which may set a cookie (__cf_bm) to distinguish between humans and bots. This is essential for protecting the service against malicious traffic and denial-of-service attacks.

• Cookie: __cf_bm
• Set by: Cloudflare
• Purpose: Bot detection and security
• Duration: 30 minutes
• Category: Strictly essential (security)

3.4 Stripe (Third-Party)

If you choose to upgrade to Premium, you will be redirected to Stripe's secure checkout page. Stripe may set its own cookies during the payment process to prevent fraud and process your transaction securely. These cookies are set by Stripe on their domain, not by us.

• Set by: Stripe (checkout.stripe.com)
• Purpose: Payment processing and fraud prevention
• Duration: Varies (session to short-term)
• Category: Strictly essential (payment security)

4. What We Do NOT Use

To be completely clear, we do not use:

• Google Analytics or any other analytics cookies
• Advertising or marketing cookies
• Social media tracking pixels
• Cross-site tracking technologies
• Any technology that profiles your browsing behaviour

5. Managing Cookies

Since we only use essential technologies, disabling them may prevent the application from working correctly. However, you can manage cookies and localStorage through your browser settings:

• Chrome: Settings > Privacy and Security > Cookies and other site data
• Firefox: Settings > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Manage Website Data
• Edge: Settings > Cookies and site permissions

You can also clear your localStorage data by logging out of the application, which removes your authentication token.

6. Changes to This Policy

We may update this Cookie Policy from time to time. If we introduce any non-essential cookies in the future, we will update this policy and request your consent before setting them. The "Last updated" date at the top of this page indicates when this policy was last revised.

7. Contact Us

If you have any questions about our use of cookies or similar technologies, please contact us:

• Email: info@mddreminder.uk
• Phone: +44 (0) 7367 431859
• Web: mddreminder.uk