Cookies

Effective date

January 2019

Koodoo Financial Limited, trading as Koodoo respects your privacy, and protecting your information is very important to us. Please read this Cookie Policy carefully before using our website or registering to use our services. That way, we hope you’ll understand our views and practices around your personal information, and how we will treat it. This Cookie Policy explains exactly how we’ll process any of your personal data.

By visiting koodoo.io you are accepting and consenting to the points described in this Cookie Policy. For the purpose of the Data Protection Act 2018 (the “Act”), the data controller is Koodoo Financial Limited of One Hammersmith Broadway, London, W6 9DL, UK.

Our data controller registration number is ZA287898. You can check our registration on the Data Protection Public Register by visiting the ICO website. References in this Cookie Policy and on our website to “we”, “our” or “us” are references to Koodoo Financial Limited. References to “you” and “your” means each natural or legal person who uses our website or the associated services.

1. Introduction

1.1

Koodoo Financial Limited uses cookies for a variety of reasons, including making sure that our website works as expected, remembering your preferences, and gathering data on the users of our website and our services.

1.2

By using our website (through any device) you consent to this Cookie Policy.

1.3

We are committed to protecting you and any information that we collect about you online (whether it’s anonymous or not). This section tells you about how and why we use cookies, and how this allows us to improve our service.

1.4

If you want to use our website, but don’t want us to set cookies in your browser, you can disable or remove the cookies. You can find out how to do this in section 5 below. Please bear in mind that disabling or removing cookies may impact the performance of our website, and our ability to provide our full services to you.

1.5

We reserve the right to make changes to our Cookies Policy. Any changes we may make to our Cookies Policy in the future will be posted on this page and, when necessary, we may tell you about important policy changes via email. Please check back frequently to see whether there are any updates or changes to our Cookies Policy. If you continue to use our website, we will take that as your agreement to any of those changes.

2. About Cookies

2.1

Cookies are files containing small amounts of information which are downloaded to your device when you visit a website. Your web browser (like Internet Explorer, Mozilla Firefox, Google Chrome or Safari) then sends these cookies back to our website [or application] on each subsequent visit. Cookies do not contain any information that personally identifies you.

2.2

We and our third party service providers use the information we get about you through the use of cookies for the following purposes:

2.2.1

To recognise your device(s) when you visit our website;

2.2.2

To remember if you’ve set any preferences on our website;

2.2.3

To temporarily store data – for example, this may be used as part of customer surveys;

2.2.4

To test new content and assess its performance;

2.2.5

To remember if you’ve been informed of our Cookies Policy, Privacy Policy and other Terms;

2.2.6

To track you as you use our website (we do this to track page usage, and see what paths have been used by visitors on our website; we also track the use of our Internet banner advertisements and other links from our marketing partners’ websites);

2.2.7

To improve our website’s usability;

2.2.8

To allow you to share pages with social networks such as LinkedIn, Facebook and Twitter, and to support social media components, like Facebook or Twitter (where our website uses a plugin from these third party platforms);

2.2.9

To make sure you don’t miss information that’s relevant to you (we target information to our users, such as website content, marketing campaigns, direct marketing emails, and Internet banner advertisements on our website and other websites);

2.2.10

To analyse use of our website (we do this for statistical analysis, sales and marketing research). To stop us setting these cookies you will need to set up your browser to reject all cookies (see more below).

2.3

We may also combine this web usage data with other information we have collected about you. We store this information so that we can have a better and more specific understanding of the way people are using our website, and their preferences and interests.

2.4

Cookies may be either “persistent” cookies or “session” cookies, depending on how long they are used.

2.5

Persistent cookies stay on your device after you have closed your browser, and allow a website to remember your actions and preferences. They are activated every time you visit the website where the cookie was generated. Sometimes persistent cookies are used by websites to provide targeted advertising based on your browsing history. They are stored by the browser and remain valid until their set expiry date (unless you delete the cookie before its expiry date).

2.6

Session cookies only last as long as you’re on the website, and they’re deleted when you close your browser. They help us keep track of things like how a particular device is navigating from page to page. This supports the website’s security or basic functionality.

2.7

Many of the cookies we use are session cookies. For example, they help us to ensure that your session is secure, and allow you to stay signed in to your Koodoo Financial Limited account while you move between pages.

3. More about the cookies we use

3.1

Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are set by (or on behalf of) the website you’re visiting. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below.

3.2

Third party cookies: In some cases, third parties manage some of our cookies for us – but we never allow them to use the cookies for any purpose other than those listed above.

3.3

Strictly necessary cookies: These cookies are required for our website to operate. For example, they may include cookies that let you to log into secure areas of our website (such as your Koodoo account).

3.4

Performance cookies: These cookies allow us to recognise and count the number of visitors to our site, and to seehowthey move around our website when they are using it. This helps us improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.

3.5

Functionality cookies: These cookies are used to recognise you when you return to our website. This lets us personalise our content for you, greet you by name, and remember your preferences (for example, your choice of language or region).

3.6

Analytics cookies: In order to keep our products and services easy to use and up-to-date, we use web analytics services to help us understand how people use our website. For example, we can see which parts of our services are most popular, identify when errors occur, and test different versions of a feature to see which one works best. These web analytics services may be designed and operated by other companies on our behalf. They do this using small invisible images known as “web beacons” or “tracking pixels” that may be included in the digital products and services on our website. For example, these may be used to count the number of times something has been seen. The web beacons are anonymous and do not contain or collect any information that identifies you.

3.7

Targeting cookies: These cookies record your visit to our website, the pages you have visited, and the links you have followed. We use this information to make what you see more relevant to your interests: from pages on our website to advertising you may be interested in. We may also share this information with third parties for this purpose. We use retargeting and online behavioural advertising to market Koodoo – this kind of advertising uses targeting cookies to deliver you more targeted advertising.

3.8

By using our website, you agree that we can place the above types of cookies on your device.

4. Cookies we use

Below is a full list of the cookies we use, together with a description of what they are used for, and whether they are first or third party cookies. For information about third party cookies, please visit the providers’ website.

CookieTypeDescription
Google Analytics and Google Tag ManagerPersistentThese are third party cookies used to track visitors, and collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. No personally identifiable information is stored. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the website from, and the pages they visited.
Google OptimizeSessionThis third party cookie allows us to test pages so that we can improve the usability of our site.
Facebook PixelPersistentA third party cookie used to track visitors, and collect information about how visitors use our site. We use this data to measure and improve our advertising.
Google AdWords PixelPersistentA third party cookie used to track visitors, and collect information about how visitors use our site. We use this data to measure and improve our advertising. tr
Bing PixelPersistentA third party cookie used to track visitors, and collect information about how visitors use our site. We use this data to measure and improve our advertising.
Twitter PixelPersistentA third party cookie used to track visitors, and collect information about how visitors use our site. We use this data to measure and improve our advertising.
LinkedIn PixelPersistentA third party cookie used to track visitors, and collect information about how visitors use our site. We use this data to measure and improve our advertising.

5. Turning off cookies

5.1

In most browsers, you can choose to reject cookies and/or turn off tracking features, and we provide instructions on how to do this below. However, please note that by doing so, parts of our website may no longer function expected. For example, if you delete cookies, any preferences they record will be lost. This includes, for example, where you have opted out from cookies, as this requires an opt-out cookie to be set.

5.2

If you’re mainly concerned about third party cookies, then we recommend you just reject those cookies, rather than all cookies. That way, we can still provide you with the functionality you expect.

5.3

If you do wish to stop your browser from accepting cookies, see the following pages:

5.3.1

Google Chrome;

5.3.2

Mozilla Firefox;

5.3.3

Safari;

5.3.4

Internet Explorer.

6. Contact us

If you have any questions about our cookies or this Cookies Policy, please contact us.

Email us at: [email protected];

Or write to us at:
Koodoo Financial Ltd,
1 Hammersmith Broadway,
London
W6 9DL

7. Further reading

Information on the ICO cookie guide can be found on the ICO website.