1. Introduction
This Cookie Policy explains how PayLTR ("we", "us", "our") uses cookies and similar tracking technologies on the PayLTR platform.
By using our website, you agree that certain cookies may be stored on your device unless you disable them.
You may modify your preferences at any time via the Cookie Settings link in the footer.
2. What Are Cookies?
Cookies are small text files placed on your device when you visit a website.
They allow the website to recognise your device and improve your experience.
Cookies can be:
- Session cookies (deleted when you close the browser)
- Persistent cookies (stored until they expire or are removed)
- First-party cookies (set by PayLTR)
- Third-party cookies (set by external providers)
3. Types of Cookies We Use
A. Strictly Necessary Cookies
These cookies are essential to operate our website and cannot be disabled. They include:
- Security & session management
- Authentication tokens
- Form submission tools
- Load balancing and routing
Without these cookies, the platform may not function correctly.
B. Functional Cookies
These cookies enhance usability and allow certain features to operate, such as:
- Saving language preferences
- Remembering login state
- Autocomplete fields
These cookies may be disabled, but some features may become unavailable.
C. Analytical & Performance Cookies
Used to understand how users interact with PayLTR so we can improve the platform.
We use tools such as:
- Google Analytics (IP anonymised)
- Built-in analytics from Replit hosting (if used)
- Other GDPR-compliant analytics services
We do not track personal behaviour outside our platform.
D. Marketing & Tracking Cookies
Used only with explicit consent. These include:
- LinkedIn Insights Tag
- Meta Pixel
- Google Ads conversions
- Email marketing tags (MailerLite or similar)
These cookies help us understand the performance of marketing campaigns. They are never activated without consent.
4. Third-Party Cookies
Third-party services may store cookies on your device when used on PayLTR, such as:
- Ponto (for PSD2 bank authentication pages)
- Algoan (credit scoring visualisation components)
- Qred (redirect-based application handover)
- Payment processors (Stripe or Mollie)
We ensure that these services meet GDPR compliance and are contractually bound to data protection requirements.
5. Cookie Retention Periods
Retention depends on cookie type:
- Strictly necessary: until session ends
- Functional: up to 12 months
- Analytics: 14 to 26 months
- Marketing: up to 12 months (only with consent)
Users may delete cookies manually at any time.
6. Cookie Consent & Withdrawal
When you first visit our website:
- A cookie banner will appear
- You may accept all cookies, reject all cookies, or manage preferences
- Only strictly necessary cookies load by default
You can withdraw consent at any time via the Cookie Settings link.
7. Managing Cookies in Your Browser
You may block or delete cookies through browser settings.
Helpful links:
- Chrome: chrome://settings/cookies
- Safari: Preferences → Privacy
- Firefox: about:preferences#privacy
- Edge: edge://settings/content/cookies
Disabling essential cookies may limit website functionality.
