Cookie Policy

1. What are cookies?

Cookies are small text files placed on your device when you visit a website. They help us:

• make our website and dashboard work
• remember your preferences
• understand how visitors use QloudPay
• improve performance and security

Cookies may be set by QloudPay (“first-party cookies”) or by third-party providers (“third-party cookies”).

2.1 Strictly necessary cookies

These cookies are essential for QloudPay to function. They enable:

• secure login
• session management
• payment processing
• fraud prevention
• basic site functionality

You cannot disable these cookies because the website will not work without them. Examples include session cookies, authentication cookies, and security and fraud-prevention cookies.

2.2 Performance and analytics cookies

These cookies help us understand how visitors use QloudPay so we can improve our services. They may collect:

• pages visited
• time spent on pages
• browser and device information
• error logs
• navigation patterns

We use analytics tools such as Google Analytics, dashboard analytics and performance monitoring tools. You can disable analytics cookies through your browser settings or cookie banner.

2.3 Functional cookies

These cookies allow QloudPay to remember your preferences, such as:

• language settings
• saved login options
• dashboard preferences

Disabling these cookies may affect your experience.

2.4 Marketing and communication cookies

These cookies help us:

• measure engagement with marketing messages
• understand how visitors interact with our website
• support advertising or referral campaigns (if enabled)

QloudPay does not use invasive tracking or behavioural advertising cookies. You can disable these cookies through the cookie banner.

3. Cookies used on payment pages

When customers use QloudPay payment links or QR payments, we may use cookies to maintain secure sessions, prevent fraud, ensure payment flows work correctly, support Open Banking redirection (via Plaid) and support card payments (via Stripe).

Stripe may also set cookies to detect fraud, manage card payment sessions and comply with card scheme requirements. Plaid may set cookies to support secure Open Banking redirection, maintain session integrity and comply with regulatory requirements. These cookies are strictly necessary for payments to function.

4. Third-party cookies

Third-party providers may set cookies when you use QloudPay, including:

• Stripe (card payments)
• Plaid (Open Banking flows)
• Google Analytics
• cloud hosting and CDN providers
• customer support or chat tools (if enabled)

These providers may collect information according to their own privacy policies.

5. How to manage cookies

Cookie banner: when you visit our website you can accept all cookies, reject non-essential cookies, or customise cookie preferences.

Browser settings: most browsers allow you to block cookies, delete cookies, restrict third-party cookies, or receive alerts when cookies are used.

Opt-out tools: some analytics or marketing providers offer opt-out tools.

If you disable cookies, the website may not function correctly, payments may not complete, and dashboard features may be limited.

6. Changes to this Cookie Policy

We may update this Cookie Policy from time to time. The latest version will always be available on our website.

7. Contact us

If you have questions about this Cookie Policy, email privacy@qloudpay.co.uk or write to 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom.