Cookie policy

Cookie Settings

This cookie policy applies to the PagoFX website, as well as to any other platform through which you can obtain our services.

1. What are Cookies?

Cookies are small text files that are downloaded and stored in the user’s devices (computer/smartphone/tablet), whenever the user has access to the website. They enable the website to remember browsing preferences and to improve the user’s navigation by making the interaction between the user and the website faster and simpler.

2. What are cookies used for?

PagoFX S.A. (hereinafter, “PagoFX”, “we” or “us”) uses cookies to make PagoFX website work properly, help us understand our site traffic, and optimize user experience, including, providing personalised advertising.

Cookies also allow identifying the browser and device through which the user is accessing to the website. Accordingly, cookies are used in order to facilitate the next visit to the website and make it more useful.

3. How do we use them?

The cookies help the user to move around and use the website. Essential security features and functionalities may be affected if they were not installed, but in any case, it will be the user’s decision to enable them or not.

Namely, PagoFX website uses the following type of cookies:

3.1. Own cookies inserted by PagoFX

PagoFX uses its own technical cookies, which make it easier to browse the website and to ensure that its content is loaded efficiently. Such cookies allow the website to work correctly, so they are essential for using all the options and functionalities of the website.

PagoFX uses technical cookies that allow its website to remember choices that the user makes when he/she is using PagoFX services (like the language or the changes related with the text size, fonts, and other settings that the user can customise through his/her profile).

Accordingly, PagoFX inserts the following cookies on the website:

COOKIES INSERTED BY PAGOFX

Owner:PagoFX
Cookie type: Technical cookies

Cookie name:	Description:
CookieLawInfoConsent	It is used to remember whether the visitor has “accepted” the cookie policy (Retention period: 365 days)
cli_user_preference	It is used to store user preferences to provide them with content that is customized accordingly. (Retention period: 365 days)
viewed_cookie_policy	It records the user consent for the usage of the cookies upon accept and reject. (Retention period: 365 days)
counter_animation_enabled	Records if the user has visited the homepage previously so the initial animation can be skip (Retention period: 30 days)
banner_dismissed	It is used to remember whether the visitor has closed the promotional banner (Retention period: 1 day)

3.2. Third-party cookies

Third-party cookies are sent to the user’s terminal by a third party, different of PagoFX. Specifically, the third-party cookies used on this website are the following:

* Analytics cookies: They allow the entity owner of these cookies to monitor and to analyse the users’ behaviour on the website, in order to make improvements based on the users’ habits on such website.

* Social network and advertising cookies: They show third party advertising according to the users’ behaviour, whose information has been obtained through the continuous observation of their browsing habits, which allows the development of a specific profile to display advertising based on it. These cookies could imply the use of information provided by social network for the purpose of offering personalized advertising. The social network cookies could be also used to share the content that you see through our website.

THIRD-PARTY COOKIES

Owner: Google Analytics
Cookie type: Analytical/performance cookie

Cookie name:	Description:
_ga	Registers a unique ID that is used to generate statistical data on how the visitor uses the website. (Retention period: 24 months)
_gid	Registers a unique ID that is used to generate statistical data on how the visitor uses the website. (Retention period: 24 hours)
_gat	Used by Google Analytics to throttle request rate. (Retention period: Session)
_gaid	Registers a unique ID that is used to generate statistical data on how the visitor uses the website. (Retention period: Session)
_gac_<property-id>	Contains campaign related information for the user (Retention period: 90 days)
_gcl_au	Website statistics and optimising the functionality of the website. (Retention period: 3 months)

Owner: Google Analytics
Cookie type: Targeting/ Re-marketing cookies.

Cookie name:	Description:
collect	Used to send data to Google Analytics about the visitor’s device and behavior. Tracks the visitor across devices and marketing channels. (Retention period: Session)

Owner: Google Analytics
Cookie type: Content Experiments

Cookie name:	Description:
__utmx	For websites using Google Analytics content experiments, the following cookies are used for these features. (Retention period: 18 months)
__utmxx	For websites using Google Analytics content experiments, the following cookies are used for these features. (Retention period: 19 months)

Owner: Google/Doubleclick.net
Cookie type: Targeting/ Re-marketing cookies.

Cookie name:	Description:
test_cookie	This cookie is used to send data to Google Analytics about the visitor’s device and behaviour. It tracks the visitor across devices and marketing channels. Purpose: Used to check if the user’s browser supports cookies. (Retention period: Session)
r/collect	This cookie is used to send data to Google Analytics about the visitor’s device and behaviour. It tracks the visitor across devices and marketing channels. (Retention period: Session)

Owner: Facebook
Cookie type: Targeting/ Re-marketing cookies.

Cookie name:	Description:
fr	Used by Facebook to deliver a series of advertisement products on Facebook. (Retention period: 3 months)
_fbp	Used by Facebook to deliver a series of advertisement products on Facebook. (Retention period: Session)
tr	Used by Facebook to deliver a series of advertisement products such as real-time bidding from third-party advertisers. (Retention period: Session)

Owner: Youtube
Cookie type: Targeting/ Re-marketing cookies.

Cookie name:	Description:
GPS	Registers a unique ID on mobile devices to enable tracking based on geographical GPS location. (Retention period: Session)

Owner: Youtube
Cookie type: Analytical/Performance.

Cookie name:	Description:
PREF	Registers a unique ID that is used by Google to keep statistics of how the visitor uses YouTube videos across different websites. (Retention period: 8 months)
VISITOR_INFO1_LIVE	Registers a unique ID that is used by Google to keep statistics of how the visitor uses YouTube videos across different websites. (Retention period: 179 days)
YSC	Registers a unique ID to keep statistics of what videos from YouTube the user have seen. (Retention period: Session)
yt-remote-connected-devices, yt-remote-cast-installed,yt-remote-device-id, yt-remote-fast-check-period, yt-remote-session-name, yt-remote-session-app	Stores the user’s video player preferences using embedded YouTube video. (Retention period: Persistent)

Owner: Google Optimize.
Cookie type: Analytical/Performance.

Cookie name:	Description:
_gaexp, _opt_awcid, _opt_awmid, _opt_awgid, _opt_awkid, _opt_utmc	Enables us to compare user responses to different website pages and content, for a discrete amount of time. (Retention period: Depends on the length of the test but typically less than 90 days).

Owner: LinkedIn
Cookie type: Analytical/Performance.

Cookie name:	Description:
BizoData, BizoID, _bizo_bzid, _bizo_cksm, _bizo_np_stats	We use LinkedIn demographics data to better understand our audience. All data is anonymous and not tied to any LinkedIn profile. (Retention period: 30 mins – 180 days)

Owner: Twitter
Cookie type: Analytical/Performance.

Cookie name:	Description:
guest_id, Personalization_id	We use Twitter Analytics to enable us to monitor how our social presence is shaping traffic on our site. (Retention period: 2 years)

Owner: Taboola
Cookie type: Analytical/Performance/Targeting.

Cookie name:	Description:
taboola_session_id	Creates a temporary per session User ID. (Retention period: session)
t_gid	Assigns a unique User ID that Taboola uses for attribution and reporting purposes (Retention period: 1 year)
DNT	Maintains a record of the user’s instruction that Taboola not use her personal data for Taboola services. (Retention period: 5 years)
taboola_select	Maintains a record of whether the user performed an action in the “Taboola Select” feature. (Retention period: 1 year)
taboola_fp_td_user_id	Indicates that the user clicked on an item that was recommended by Taboola’s Services. This is used for reporting and analytics purposes. (Retention period: 1 year)
t_gid	Assigns a unique User ID that allows Taboola to recommend specific advertisements and content to this user. (Retention period: 1 year)
t_pid	Creates a unique User ID for private domain publishers. (Retention period: 1 year)
trc_cookie_storage	Assigns a unique User ID that is used for attribution and reporting purposes. (Retention period: 1 year)
_tb_sess_r	Used on websites of Taboola’s publisher Customers that utilize the Taboola Newsroom services. It maintains a session reference about the user’s visit to this particular website. (Retention period: 30 min)
_tb_t_ppg	Used on websites of Taboola’s publisher Customers that utilize the Taboola Newsroom services. This cookie is used to identify the referring website (i.e. the website that the user visited prior to arriving at this publisher’s website) (Retention period: 30 min)

Owner: Verizon
Cookie type: Analytical/Performance/Targeting

Cookie name:	Description:
DOT	We use Dot from Verizon Media to retarget or exclude users from any subsequent Verizon Media Native campaigns, as well as track any leads or purchases a user may go on to generate. (Retention period: 90 days)

Owner: PagoFX
Cookie type: Analytical/Performance/Targeting

Cookie name:	Description:
_p	Used to determine if a payment is the first one. When the value set to “1” then there has been previous transactions. This is a non-essential cookie. (Retention period: 1 year)

Owner: Sky Business
Cookie type: Analytical/Performance/Targeting

Cookie name:	Description:
_tq_id.TV-18722736-1.443d	This cookie will be used to analyse traffic to the website and is a non-essential cookie. (Retention period: 2 years)

Owner: Tradedoubler
Cookie type: Analytical/Performance/Targeting

Cookie name:	Description:
TRADEDOUBLER	Tradedoubler’s cookie sets for customers who have arrived on PagoFX’s website via an ad hosted on Tradedoubler’s network. They use this information to report on sales generated through PagoFX’s affiliate marketing channel. (Retention period: 1 year)

Owner:Intercom
Cookie type: Intercom – Customer support.

Cookie name:

Description:

intercom-id-xkbyppwd

An identifier for each browser session. This session cookie is refreshed on each successful logged-in ping, extending it to 1 week from that moment. The user can access the conversations and have data communicated on logged out pages for 1 week, as long as the sessions are not intentionally terminated with `Intercom(‘shutdown’);`, which usually happens on logout.
(Retention period: 1 week)

4. How to disable cookies?

Additionally, every browser allows users to disable cookies. Indeed, most browsers offer the possibility of managing cookies in order to obtain more precise control over privacy. These settings are located in the ‘’Options’’ or ‘’Preferences’’ tabs in the browser menu. In order to disable cookies in each browser, users may follow the instructions below:

1. Internet Explorer
2. Mozilla Firefox
3. Google Chrome
4. Safari
5. Microsoft Edge
6. Opera

5.- Processing of personal data

Responsible for processing:
The data controller is PagoFX Europe S.A./N.V.
Contact details of the Data Protection Officer:
You can also contact our Data Protection Officer at the postal address (Avenue des Nerviens 85B 27/08/2019, 1040 Etterbeek, Belgium) or by email at dpo@pagofx.com.
Purposes of the processing of personal data
The purposes of the processing of personal data are indicated in point 3 of the Cookie Policy (“How do we use them?”).
PagoFX uses its own technical cookies, because they are essential to use all the options and functionalities of the website.
The legal basis for the use of the other cookies is your consent, which you can manage and revoke through the Cookie Settings Panel by clicking here, or as indicated in point 4 (“How to disable cookies?”).
Recipients of personal data
PagoFX may share your personal data with the entities listed below:
The data may be communicated to public authorities and bodies, for the fulfilment of legal obligations.
Your personal data may be processed by suppliers, who will act on our behalf (as processors) as a consequence of their provision of services.
As for third party cookies, we remind you that these cookies (i) may be sent from a domain that is not managed by PagoFX or (ii) may be sent from our domain, but the information collected is managed by the third party.
International transfers of personal data
Personal data are generally processed in the European Economic Area (hereinafter referred to as the “EEA”) or in countries that guarantee an adequate level of protection for your personal data.
In certain situations, we may transfer your personal data outside the EEA. In such cases, we ensure the security and legitimacy of the data processing by requiring our suppliers to comply with applicable safeguards under data protection legislation (binding corporate rules, Privacy Shield – in case the supplier is located in the US – or standard data protection clauses adopted by the European Commission).
Data retention period
The data will be processed during the periods indicated in section 3 (“How do we use them?”) and provided that the consents remain in force.
In accordance with data protection regulations, PagoFX will keep your personal data for as long as the company needs it for the purposes for which it was collected, taking into account local laws and contractual obligations. When we no longer need such personal data, we will duly block it during the applicable statutes of limitation and/or retention periods established by law and may only process it for:
Comply with any applicable legal obligations; and
Make the personal data available to the competent public authorities, courts and tribunals or the public prosecutor’s office.
When these retention periods expire, we will physically destroy your personal data.
Data protection rights and claims before the Supervisory Authority
You can exercise your personal data rights (access, rectification and deletion, restriction of processing, data portability) by sending a communication to the PagoFX privacy team, providing a copy of a personal identification document:
The postal address of PagoFX: Avenue des Nerviens 85B 27/08/2019, 1040 Etterbeek, Belgium
Email of PagoFX: privacy@pagofx.com
Live chat via the PagoFX website
You can also contact our Data Protection Officer at the above-mentioned postal address or by e-mail at dpo@pagofx.com.
You can also file a complaint with the Belgian Data Protection Authority, Rue de la presse 35, 1000 Brussels, or by visiting their website: https://www.dataprotectionauthority.be/
Updating the cookie policy
This Cookie Policy may change depending on the cookies used by PagoFX.
PagoFX recommends that you review this document each time you access the APP website so that you are properly informed about how and what we use cookies for and to be aware of any changes related to cookies.

6. Any question?

We have tried to make this Cookies Policy as short and clear as possible, but if you would need additional information, you can get in contact with PagoFX at any time through any of the following means:

– PagoFX’s postal address: 85B, Avenue des Nerviens, 1040 Etterbeek (Brussels), Belgium

– PagoFX’s e-mail: privacy@pagofx.com

– Live chat through PagoFX’s website.

You may also contact our Data Protection Officer at the postal address indicated above or by email at dpo@pagofx.com. For additional information, related to the processing of your personal data, please check out our Privacy Policy.