Effective Date: January 1, 2026

Western Mercantile Agency, Inc. (“WMA,” “we,” “our,” or “us”) uses cookies and similar tracking technologies on our website and consumer portal (the “Portal”) to support secure access, enhance functionality, and improve user experience.

Cookies are small text files stored on your device that help websites operate efficiently and securely.

1. Categories of Cookies We Use

We may use the following categories of cookies:

Essential Cookies

These cookies are necessary for the Portal to function properly. They support core features such as:

·         Login authentication

·         Fraud prevention

·         Security monitoring

·         Payment session integrity

Essential cookies cannot be disabled through our systems.

Performance and Analytics Cookies

These cookies help us understand how visitors interact with the Portal by collecting aggregated usage information. This data allows us to evaluate and improve Portal performance and user experience.

Functional Cookies

These cookies enable enhanced features and personalization, such as:

·         Remembering user preferences

·         Supporting chat or communication tools

·         Maintaining continuity during payment or account activity

2. Sale or Sharing of Cookie Data

Western Mercantile Agency, Inc., does not sell personal information collected through cookies.

We do not use cookies for targeted advertising or cross-context behavioral advertising as defined under California law.

We may share limited aggregated or de-identified usage information with analytics service providers solely to support website performance and security.

3. Your Choices and Controls

You may manage or disable cookies through your browser settings. Please note that restricting certain cookies may impact Portal functionality and may limit access to secure features.

For additional information regarding consumer privacy rights, please refer to our Privacy Notice.

4. Updates to This Notice

We may update this Cookie Notice from time to time. Any changes will be posted on this page with a revised effective date.