LAST UPDATED: JANUARY 2026

This Cookie Policy explains how PearMonie (“PearMonie”, “we”, “our”, or “us”), owned and operated by PearWheel Nigeria Limited, uses cookies and similar tracking technologies when you access or interact with our website, mobile application, and related online platforms (collectively, the “Services”).

This Policy should be read alongside our Privacy Policy, which provides additional information on how we collect, use, store, and protect personal data.

What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, or mobile phone) when you visit a website or use an application. They enable the website or app to recognise your device, remember your preferences, and analyse how users interact with the Services, thereby improving functionality and user experience.

Cookies may be categorised as follows:

• Session Cookies: Temporary cookies that are deleted when you close your browser.

• Persistent Cookies: Cookies that remain on your device for a defined period or until deleted.

• First-Party Cookies: Cookies placed directly by PearMonie.

• Third-Party Cookies: Cookies placed by third-party service providers integrated into our Services.

How We Use Cookies

We use cookies for the following purposes:

Essential Cookies
These cookies are strictly necessary for the operation, security, and integrity of our Services. They enable core functions such as user authentication, access control, fraud prevention, and session management. Disabling these cookies may impair the proper functioning of the Services.

Performance and Analytics Cookies
These cookies collect information about how users interact with our Services, including page visits, navigation paths, traffic sources, and error reports. The information collected helps us analyse usage patterns and improve the performance and usability of our Services. We may use reputable third-party analytics providers for these purposes.

Functional Cookies
Functional cookies allow our Services to remember your preferences, such as language selection, region, and display settings. These cookies enhance personalisation and provide a more seamless user experience.

Advertising and Targeting Cookies
Where applicable, these cookies are used to deliver relevant content and advertisements, limit the number of times you see an advert, and measure the effectiveness of advertising campaigns. They may also track browsing behaviour across different websites or platforms, subject to your consent.

Third-Party Cookies
Certain third-party service providers (such as analytics, advertising, or social media partners) may place cookies on your device when you interact with our Services. We do not control these cookies, and their use is governed by the respective third parties’ privacy and cookie policies.

Your Cookie Choices

You have several options for managing and controlling cookies:

• Browser Settings: Most web browsers allow you to manage cookies through their settings, including blocking or deleting cookies or receiving notifications when cookies are placed on your device. Please note that disabling essential cookies may affect the availability and functionality of certain features.

• Cookie Consent Banner: Upon your first visit to our website or app, you may be presented with a cookie consent banner allowing you to accept all cookies, reject non-essential cookies, or customise your preferences.

• Third-Party Opt-Out Tools: Some third-party analytics or advertising providers offer specific opt-out mechanisms, which may be accessed through their respective platforms.

Data Protection and Compliance

Any personal data collected through cookies is processed in accordance with Applicable Law (as defined in the Privacy Policy) and our Privacy Policy. You have the right to withdraw your consent for non-essential cookies at any time, request access to data collected via cookies, and request the deletion of data where appropriate.

For further details on your rights, please read our Privacy Policy.

Updates to This Cookie Policy

We may update this Cookie Policy from time to time. When changes are made, we will update the “Last Updated” date at the top of the Cookie Policy. Where a change materially affects how we use cookies or impacts your choices, we will provide additional notice where appropriate (e.g., website notice or in-app notification).

We encourage you to review this Cookie Policy periodically.

Contact Us

If you have any questions, concerns, or requests relating to this Cookie Policy or our data protection practices, please contact us using the details below:

• Email: info@pearmonie.com

• Phone: +234 803 289 3982