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TeleGiro Cookie Policy
Last Updated: November 19, 2025
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, cash transaction services, and international remittances, and your choices regarding their use.
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.
We use cookies for the following purposes:
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 |
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 |
These cookies support secure bank account linking and verification services provided through Plaid Inc.
Cookie Name | Cookie Value | Purpose | Duration |
|---|---|---|---|
| plaid_link_token | Authentication token | Secures bank account linking process | 30 minutes |
| plaid_session | Session identifier | Maintains Plaid connection session | Session |
| bank_verification_status | Verification status | Tracks bank account verification status | 90 days |
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 |
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 |
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 |
We work with trusted partners to provide our services. These partners may set their own cookies:
You have several options for managing 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.
You can manage non-essential cookies through:
Our banking cookies ensure:
Payment-related cookies enable:
Bank account verification cookies provide:
Cash transaction cookies support:
Remittance service cookies provide:
All cookies containing sensitive financial information are:
As our payment platform provider, Checkbook may set cookies to:
As our bank account verification provider, Plaid may set cookies to:
Plaid's use of your information is subject to their privacy policy, available at https://plaid.com/legal/#end-user-privacy-policy
As our cash transaction services providers, ATM network operators may use cookies to:
We use analytics services to improve our platform. These services use cookies to:
We use cookies based on:
We may update this Cookie Policy to reflect:
Updates become effective upon posting to our website. We encourage you to review this policy periodically.
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
This policy complies with applicable regulations including:
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© 2025 TeleGiro, Inc. All Rights Reserved.
Florida Money Transmitter License #FT230000431
New Jersey Money Transmitter License #2305779
FinCEN MSB Registration
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