Company  (“Ukpay” or "we" or “our”) use “cookies” and other technologies when you use its websites, mobile sites, or mobile apps. This notice applies additional to any other Terms of Use or contract provision for the particular Ukpay service being used.

In this notice, we explain how you can control which cookies are used and learn more about cookies and similar technologies. If you want to know more about how Ukpay handles your data, you can find more information in our Privacy Policy.

What are cookies and similar technologies, and what do they do?

Cookies and similar technologies are used to gather information from website visitors, for specific purposes.

Cookies

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website and mobile application owners in order to make their websites and apps work, or to work more efficiently, as well as to provide reporting information.

Ukpay uses cookies to do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences and generally improving your browsing experience. We also use them to help ensure that any ads you see on our sites and those of others are more relevant to you and your interests.

If you visit our websites, mobile sites, or use our mobile apps, we will deploy cookies and similar technologies to provide an online service more suited to the device you connect from, as well as to prevent and detect fraud and to help keep you secure. When you visit our websites from any device (e.g. mobile device or PC), we collect information about your use of the site, such as information about the device or browser you use to access the site (including device type, operating system, screen resolution, etc.), the way you interact with the site, and the IP address your device connects from.

This allows us, for example, to monitor the traffic patterns of users from one page within our Websites to another, to deliver or communicate with cookies, to understand whether you have come to our Websites from an online advertisement displayed on a third-party website, to improve site performance and to measure the success of e-mail marketing campaigns.

In many instances, our online services are reliant on cookies to function properly, and so declining cookies will impair their functioning, e.g. you may not be able to initiate or complete some activities within our secure online services unless these cookies or similar technologies are installed. Additionally, please note that we may not be able to process certain transactions if you are physically located in certain countries.

Cookies set by the website/app owner (in this case, Ukpay) are called "first party cookies". Cookies set by parties other than the website/app owner are called "third-party cookies". Third-party cookies enable third-party features or functionality to be provided on or through the website/app (e.g. such as advertising, interactive content and analytics). The parties that set these third-party cookies can recognise your computer both when it visits the website in question and also when it visits certain other websites.

Cookies and some of the similar technologies we use can also be disabled on your device settings or browser, but this may significantly impact the ability for our websites, mobile sites, or mobile apps to work on your devices.

Pixel Tags

We also use similar technologies such as ‘pixel tags’ and ‘JavaScript’ to undertake these tasks. Pixel tags and JavaScript are tiny graphics files that contain a unique identifier that enable us to recognise when someone has visited our Websites or opened an e-mail that we have sent them.

JavaScript and some of the similar technologies we use can also be disabled on your device settings or browser, but this may significantly impact the ability for our websites, mobile sites, or mobile apps to 

work on your devices.

Flash Cookies

Our websites may also use so-called "Flash Cookies" to, among other things, collect and store information about your use of our services, fraud prevention and detection and for other site operations, such as adverts and video.

Flash Cookies are also known as Local Shared Objects or "LSOs", and are used on sites using Flash Player to store user data. If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash Player to block Flash Cookies storage using the tools contained in the Website Storage Settings Panel. You can also control Flash Cookies by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash Cookies, how to prevent Flash LSOs from being placed on your computer without your being asked, and how to block Flash Cookies that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash Cookies may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with our services or online content.

What do the cookies do?

There are different types of cookies which are used for different purposes. In this section, we describe five different functions, but be aware that not all these types will be used on every website you visit and some cookies may fit into multiple categories.

‘Strictly necessary’ cookies

These cookies are necessary for the website to function correctly and cannot be switched off in our systems.

They are usually only set in response to actions made by you which amount to a request for services. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work. They are activated when you visit our website and remain active for the duration of your visit.

‘Strictly necessary’ cookies store data which can be used to: remember your privacy preferences; allow you to log in or fill in forms; move around the website and use its features, such as accessing secure areas of the website; meet our legal and regulatory requirements, for example, anti-money laundering and fraud prevention; secure your account and prevent it being misused by others.

‘Performance’ cookies

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site to give you a better service.

They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not be able to use your experience of the site to monitor and improve its performance.

Performance cookies can be used to: record where visitors click on each page and track which services they look for; log error messages from web pages; help improve the websites to make information and services quicker and easier to access on both desktop and mobile browsers.

 ‘Functional’ cookies

These cookies allow the website to remember choices you make (such as your username, language or the region you are in) and provide enhanced, more personal features.

For instance, a website may be able to provide you with local weather reports or traffic news by storing in a cookie the region in which you are currently located. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites. So, basically, these cookies remember choices you make to improve your user experience.

‘Targeting’ cookies

These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of advertising campaigns.

They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organisations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organisation. So, basically, these cookies collect information about your browsing habits in order to make advertising relevant to you and your interests.

If you disable these cookies, you will still see advertising, but it will not be profiled to show content and offers of most interest to you.

‘Social Media’ cookies

These cookies are set by a range of social media services where we have added them to the site to enable you to share our content with your friends and networks.

They are capable of tracking your browser across other sites and building up a profile of your interests. This may impact the content and messages you see on other websites you visit. If you do not allow these cookies you may not be able to use or see these sharing tools and any content of offers provided may be of less relevance to you.

Cookies in Emails

We use cookies and similar technology in some of our emails which contain hyperlinks, each of which has a unique tag. They help us to understand how you interact with our emails and are used to improve our future email communications to you.

If you click on links contained in the email it will allow us to track your use of our website and enable us to show content and offers of most interest to you.

If you do not wish to accept cookies from any one of our emails, simply close the email before downloading any images or clicking on any links. You can also set your browser to restrict cookies or to reject them entirely. These settings will apply to all cookies whether included on websites or in emails. If you have configured your computer to automatically display images, or if you have added us to your email "address book" (or "safe senders" list), or if you have configured your computer to have "weak" security, cookies might be set at the same time as you download, open or read an email from us. If you would prefer for this not to happen, you should disable the automatic displaying of images, or remove us from your address book or strengthen your security settings. 

How does Ukpay work with third parties to show you tailored ads?

We work with third parties, such as advertisers, publishers, social media networks, search engines and agencies, to improve the relevance of the adverts we serve.

In providing tailored ads we will associate your interactions on our websites with information about how you use your account. We use cookies to collect your information and we do this to gain insights into your interests so that the messages we deliver to you are more relevant to your needs. We do not provide this combined insight data to advertisers or to third party sites that display our tailored ads. We simply ask them to display specific ads to you. Advertisers and other third parties may assume that users who interact with or click on a tailored ad or content are part of the group that the ad or content is directed towards (e.g., users in a particular geographical area, or users who purchased or browsed for ‘Skrill Money Transfer’) and thus may infer details about you.

Our aim in using these technologies is to provide you with relevant offers and adverts based on the information we hold and your use of our services, including information that others are able to lawfully supply.

If you choose to opt-out of targeting cookies in our cookies settings we won’t place any targeting cookies or similar technologies on your device, but you may still see adverts, however, these will not be as relevant to you.

If you choose to opt-out of Digital Media marketing in your account settings we won’t use your data to analyse trends in your use of your account, or to improve the way we target users across these platforms in e.g. custom audience/lookalike campaigns where we ask our partners to deliver messages on their platforms to certain customers or share non-personally identifying attributes about our existing customers to these platforms to locate similar prospects/leads. Opting out will mean you may still see adverts from us, but again they will be less relevant to you.

Who does Ukpay work with to show you tailored ads?

Learn more about who we work with, and how to access their privacy policies and notices here.

Ukpay uses third party advertisers (or advertising companies working on their behalf) to deliver content, including ads, directly to your browser or device. On occasion we may use these third parties’ own cookies in the process of delivering this content. These cookies may also be used to measure the effectiveness of our ads and show you more relevant advertising content.

The main agencies we use, whose privacy pages we have linked to, include:

Amazon Advertising
Bing
Facebook
Google

Instagram

LinkedIn

Twitter