PAIO Cookie Policy

Think of cookies as digital memory - small text files that remember your preferences and help us understand how you use our payment services. They're essential for making our website work smoothly and securely.

Cookies are small text files stored on your device when you visit our website.

And they help us:

• Improve your user experience
• Ensure website functionality
• Enhance security
• Understand how our services are used

Our Cookie Types

Essential Security Cookies (You Can't Turn These Off)

These cookies are necessary for basic site functionality and security:

• __cfruid: Enables Cloudflare services for load-balancing and content delivery and serving DNS connection for website operators.
• AWSALB: Manages server clusters for optimal user experience (7-day duration)
• AWSALBCORS: Coordinates with AWSALB for load balancing (7-day duration)
• test_cookie: Verifies browser cookie support (1-day duration)

Analytics Cookies (Your Choice)

Help us understand how visitors use our services:

• c.gif (Microsoft): Tracks website navigation and user behavior
• CLID (Microsoft): Collects user behavior data for statistical reports (1-year duration)
• td (Google): Records statistical data for internal analytics

Marketing Cookies (Your Choice)

Enable personalized services and advertising:

• _fbp (Meta Platforms): Delivers targeted advertisement products (3-month duration)
• _gcl_au (Google): Optimizes advertisement efficiency (3-month duration)

Your Cookie Rights Control

• Accept or decline non-essential cookies
• Modify preferences anytime through our Cookie Dashboard
• Browser settings management option

Cookie Duration

Session Cookies: Temporary - deleted when you close your browser

Persistent Cookies: Stay longer (ranging from 1 day to 1 year)

Security Cookies: Updated each login for your protection

Third-Party Partners

We work with trusted partners who may set their own cookies:

• Cloudflare (Content delivery and security)
• Microsoft (Analytics)
• Google (Analytics and advertising)
• Meta Platforms (Advertising)

Analytics Cookies (Your Choice)

• Understanding how you use our payment services
• Improving user experience
• Service optimization
• Transaction pattern analysis

Preference Cookies (Your Choice)

• Language settings
• Regional settings
• Payment method preferences
• Dashboard customization

Browser Settings

You can control cookies through your browser:

• Block specific cookies
• Delete existing cookies
• Set cookie preferences

Note: Blocking essential cookies will affect our ability to provide secure services. Changes and Updates

We regularly review and update our cookie practices to ensure:

• Regulatory compliance
• Enhanced security
• Better service delivery

Transparency

• Clear labeling of all cookies
• Regular updates on cookie changes
• Detailed cookie audit available

Security

• Regular security reviews
• Encrypted data storage
• FCA compliance monitoring

Cookie Duration

• Session Cookies: Temporary - deleted when you close your browser
• Persistent Cookies: Stay longer for remembering your preferences
• Security Cookies: Updated each login for your protection

Third-Party Payment Partners

We work with regulated payment partners who may set their own cookies:

• Payment processors
• Fraud detection services
• Security providers

All third-party cookies comply with UK financial regulations and data protection laws.

Visit our Cookie Dashboard to:

• View active cookies
• Update preferences
• Enable/disable specific features

Changes and Updates

We regularly review and update our cookie practices to ensure:

• Regulatory compliance
• Enhanced security
• Better service delivery

This policy is regulated by the Financial Conduct Authority and complies with UK data protection laws.

Last Updated: April 4, 2025