Cookies policy

  1. Introduction
    1. Modulr uses cookies for a variety of purposes, including ensuring that our website functions as expected, remembering your preferences and gathering data on the users of our website and our services.
    2. By using our website (through any device) you agree that this Cookie Policy, together with our Privacy Policy and Website Terms of Use, applies to that use.
    3. We are committed to protecting you and any information (anonymous or otherwise) that we collect about you online. This section tells you about how and why we use cookies, and how this allows us to improve our service.
    4. If you wish to use our website, but would like us not to set cookies in your browser, you can disable or remove the cookies. Details on how to do this are set out in section 5 below. Please note that disabling or removing the cookies we or our third party service providers set may impact the functionality and security of our website and our ability to provide our services to you. Please note that you will not be able to use our website or the associated services if you do not accept our use of cookies.
    5. 1.5 We reserve the right to make changes to our Cookie Policy. Any changes we may make to our Cookie Policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Cookie Policy. Your continued use of our website is taken as your agreement to any such changes.
  2. About cookies
    1. Cookies are files containing small amounts of information which are downloaded to the device you use when you visit a website. Your web browser (such as 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. We and our reputable third party service providers may use the information we obtain about you through the use of cookies for the following purposes:
      1. To recognise your device(s) when you visit our website;
      2. To remember if you’ve set any preferences on our website;
      3. To temporarily store data as part of, for example, customer surveys;
      4. To test new content and evaluate its effectiveness;
      5. To remember if you’ve been informed of our Cookies Policy, Privacy Policy and other Terms;
      6. To track you as you navigate our website (including tracking page usage and paths used by visitors through our website; and tracking use of our Internet banner advertisements and other links from our marketing partners’ websites to our website);
      7. To improve our website’s usability;
      8. To allow you to share pages with social networks such as LinkedIn, Facebook and Twitter / to support social media components, like Facebook or Twitter (where our website uses a plugin from these third party platforms);
      9. To ensure you don’t miss information that is relevant to you (including targeting our website content, targeting our marketing campaigns and direct marketing emails, targeting our Internet banner advertisements on our website and on other websites);
      10. To analyse use of our website (including for statistical analysis, sales and marketing research).
    3. To stop us setting these cookies you will need to set up your browser to reject all cookies (see further below).
    4. We may also combine this web usage data with other information we have collected about you. We store this information so that we have a better and more specific understanding of the way users are using our website, and their preferences and interests, for the purposes set out above.
    5. Cookies may be either “persistent” cookies or “session” cookies, depending on how long they are used.
    6. Persistent cookies remain on your device after you have closed your browser, and allow a website to remember your actions and preferences. They are activated each time you visit the website where the cookie was generated. Sometimes persistent cookies are used by websites to provide targeted advertising based on the browsing history of the device. They are stored by the browser and remain valid until their set expiry date (unless deleted by the user before the expiry date).
    7. Session cookies only last for the duration of your visit and are deleted when you close your browser. They facilitate tasks such as allowing a website to identify that a user of a particular device is navigating from page to page, supporting website security or basic functionality.
    8. Many of the cookies we use are session cookies. For example, they help us to ensure the security of your session, and can also keep you signed in to your Modulr account while you move between pages.
  3. More about the cookies we use
    1. Whether a cookie is a first or third party cookie depends on which website the cookie comes from. First party cookies are those set by or on behalf of the website visited. All other cookies are third party cookies. We use both first party and third party cookies. You can read more about them below. Third party cookies: In some cases, some of these cookies are managed for us by third parties, but we don’t allow the third party to use the cookies for any purpose other than those listed above.
    2. Strictly necessary cookies; These are cookies that are required for the operation of our website. They include, for example, cookies that enable you to log into secure areas of our website such as your Modulr account.
    3. Performance cookies: They allow us to recognise and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
    4. Functionality cookies; These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
    5. 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 page or 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. These are used for example to count the number of times something has been seen. These web beacons are anonymous and do not contain or collect any information that identifies you.
    6. Targeting cookies; These cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
    7. By using our website, you agree that we can place the above types of cookies on your device.
  4. Cookies we use
    1. 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. Where a cookie is a third party cookie, please visit the providers’ website for more information.

      Cookie

      Type

      Description

      Google Analytics and Google Tag Manager

      Persistent

      These 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.

      Hubspot

      Persistent

      These are third party cookies used to track visitors and enable us to provide a customised experience for each visitor. For example, if you provide your contact details in one of our contact forms, these details will be stored and used to identify future visits. We do this so we can optimise the content each visitor interacts with and make the browsing experience more personal.

  5. Turning cookies off
    1. In all modern browsers you may elect to reject cookies and/or enable do not track features, and we provide instructions on how to do this below. Please note however that by doing so parts of our website may no longer function as 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.
    2. If your concerns are based around third party cookies, then we recommend you just reject those cookies, rather than all cookies so that we can still provide you with the functionality you expect.
    3. If you do wish to stop your browser from accepting cookies, see the following pages:
      1. Mozilla Firefox: preferences
      2. Google Chrome: cookies
      3. Internet Explorer: allow-cookies
      4. Safari: https://support.apple.com/kb/PH5042
  6. Contact us
    1. If you have any questions about our cookies or this Cookies Policy, please contact us on hello@modulrfinance.com
  7. Further reading
    1. For more information about cookies see the links below.
      1. Useful information about cookies can be found at: https://www.allaboutcookies.org
      2. The BBC Web Wise guide to cookies: https://www.bbc.co.uk/webwise/guides/about-cookies
      3. Information on the ICO cookie guide can be found on the ICO website: https://ico.org.uk/media/for-organisations/documents/1545/cookies_guidance.pdf
      4. A guide to behavioural advertising and online privacy has been produced by the Internet Advertising Bureau which can be found at: https://www.youronlinechoices.com/uk/download-guide