Cookie Policy
1. Introduction
This Cookie Policy explains how Andray Finance Limited (“Andray Finance,” “we,” “us,” or “our”) uses cookies and similar tracking technologies on our website and digital lending platform (the “Service”). This policy should be read alongside our Privacy Policy and Terms of Use.
By using our Service, you consent to the use of cookies as described in this policy. You can manage your preferences at any time through our cookie consent manager or your browser settings.
2. What Are Cookies?
Cookies are small text files that are placed on your computer, smartphone, or other device when you visit a website. They are widely used to make websites work efficiently, remember your preferences, and provide information to the website owners.
We also use similar tracking technologies such as web beacons, pixels, and local storage (collectively referred to as “cookies” in this policy).
3. Why We Use Cookies
We use cookies for the following essential purposes:
- To Enable Core Functionality: Necessary for the Service to operate, such as secure login, session management, and transaction processing.
- To Improve Performance & Analytics: To understand how visitors interact with our Service, which pages are popular, and to identify and fix errors. This helps us improve user experience.
- To Enhance Functionality: To remember your preferences (like language or region) and provide enhanced, more personalized features.
- For Security: To protect your data and our Service from fraudulent activity and cyber attacks.
- For Marketing (with your consent): To deliver relevant advertisements about our lending products and services on other websites you visit, and to measure the effectiveness of our marketing campaigns.
4. Types of Cookies We Use
We classify our cookies into the following categories:
Category | Purpose | Examples | Managed By |
Strictly Necessary | Essential for the Service to function. Cannot be switched off. | User authentication, security, load balancing, remembering cookie preferences. | Cannot be refused as they are essential. |
Performance / Analytics | Help us understand how users interact with our site, anonymously. | Google Analytics, Hotjar (anonymized data on page visits, clicks, navigation). | You can manage via consent manager. |
Functional | Enable enhanced, personalized features by remembering choices you make. | Language preferences, remembered username (not password), regional settings. | You can manage via consent manager. |
Targeting / Advertising | Used to build a profile of your interests and show relevant ads on other sites. | Facebook Pixel, Google Ads, LinkedIn Insight Tag. | Requires your explicit consent. |
5. Third-Party Cookies
Some cookies are placed by third-party services that appear on our pages (e.g., analytics providers, social media platforms). We do not control the dissemination of these third-party cookies. For more information, please review the respective third party’s privacy and cookie policy.
6. How to Manage Your Cookie Preferences
a) Cookie Consent Manager: Upon your first visit to our Service, you will be presented with a cookie consent banner. You can accept all, reject non-essential, or customize your preferences. You can revisit and change these settings at any time by clicking on “Cookie Settings” or “Manage Cookies” in the website footer.
b) Browser Settings:You can also control and delete cookies through your web browser settings. Please note that if you disable Strictly Necessarycookies, parts of our Service may not work, and you may not be able to access your loan account or complete transactions.
- Google Chrome: https://support.google.com/accounts/answer/32050
- Mozilla Firefox: https://support.mozilla.org/en-US/kb/delete-cookies-remove-info-websites-stored
- Safari: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
- Microsoft Edge: http://support.microsoft.com/kb/278835
c) Online Advertising Opt-Out:To opt out of interest-based advertising from many participating companies, you can visit:
- Your Online Choices (for Nigeria/EU): http://www.youronlinechoices.com/
- Digital Advertising Alliance (DAA): http://optout.aboutads.info/
- Network Advertising Initiative (NAI): http://optout.networkadvertising.org/
Note: Opting out does not mean you will no longer see online ads; it means the ads you see will not be tailored to your interests.
7. Data Protection & Your Rights
Andray Finance Limited is committed to protecting your personal data in accordance with the Nigeria Data Protection Act (NDPA) 2023. Under the NDPA, you have rights regarding your personal data, including the right to access, rectification, erasure, and objection to processing. For more details, please see our Privacy Policy.
If you have any questions about how we use cookies or your data, you can contact our Data Protection Officer (DPO).
8. Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in technology, regulation, or our services. We will notify you of any material changes by posting the new policy on this page with an updated “Last Updated” date. We encourage you to review this page periodically.
9. Contact Us
If you have any questions, concerns, or requests regarding this Cookie Policy or our use of cookies, please contact us at:
Email: [email protected]
Attention: The Data Protection Officer
