Information about our use of Cookies
1) Information about us
2) Other applicable terms
3) What are Cookies?
4) Types of Cookies
5) Use of Cookies
6) Disabling Cookies
7) What is the legislation?


1) Information about us (“our site”) (“our site”)

This website is operated by Currency Matters Limited (“we”) of Glenbourne House, 63 Burscough Street, Ormskirk, Lancashire L39 2EL. Currency Matters Limited (Company Registration No: 4461030) is regulated by the Financial Conduct Authority (FCA) as an Authorised Payment Institution, FCA Registration No: 537841 and registered with HM Revenue and Customs as a Money Service Business (MSB), MSB Registration No: 12140232. In the UAE we are regulated by the DFSA as a Representative Office, No. F003134. In the USA we are registered as a MSB under the Bank Secrecy Act with the Financial Crimes Enforcement Network (Fin CEN).
This Cookies Policy (and the documents referred to within it) explains what Cookies are and how they are used by us on this site.

By using any part of our site (including accessing or browsing) you indicate that you accept and agree to abide by all the policies in this Cookies Policy which are supplemental to the Terms of Use. If you do not agree to the policies of this Cookies Policy, please refrain from using our site.

2) Other Applicable Terms
This Cookies Policy refers to and should be read in conjunction with the following additional site terms and policies, which also apply to your use of our site:

• Our “Terms of Use” set out the basis on which you may make use of our site
• Our “Privacy Policy” sets out the terms on which we process any personal data we collect from you or that you provide to us. By using our site, you consent to such processing and you warrant that all data provided by you is accurate
• Our “Acceptable Use Policy” sets out the permitted uses and prohibited uses of our sites. When using our sites you must comply with this Acceptable Use Policy

3) What Are Cookies?

Cookies are text files containing small amounts of information which are downloaded to your device when you visit a site. Cookies are then sent back to the originating site on each subsequent visit, or to another site that recognises that cookie. Cookies are useful because they allow a site to recognise a user’s device. Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improve the user experience. They can also help to ensure that adverts you see online are more relevant to you and your interests.

A cookie is used by a website to send ‘state information’ to a Users’ browser and for the browser to return the state information to the website. The ‘state information’ can be used for authentication, identification of a User session, User preferences, shopping cart contents, or anything else that can be accomplished through storing text data on the User’s computer.

Cookies cannot be programmed, cannot carry viruses, and cannot install malware on the host computer. However, they can be used to track users’ browsing activities.

Cookies are used by most websites for a variety of reasons; often very practical reasons to do with the operation of the website. However, they are also used to monitor how people are using the website: i.e. which pages are visited and how long a visitor spends on each page. Each “visitor session” is tracked even though no effort may be made to try to identify them in person.

4) Types of Cookies

The cookies used on this site have been categorised based on the categories found in the ICC UK Cookie guide. By using our site, you agree that we can place these types of cookies on your device.

We use four types of cookies on this site:

“Strictly necessary” cookies let you move around the website and use essential features like secure areas and online billing. These cookies don’t gather any information about you that could be used for marketing or remembering where you’ve been on the internet.

“Performance” cookies collect information about how you use our website e.g. which pages you visit, and if you experience any errors. These cookies don’t collect any information that could identify you – all the information collected is anonymous and is only used to help us improve how our website works.

“Functionality” cookies allow the site to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other sites.

The functionality cookies that we use allow us to monitor patterns of traffic on our website, accurately measure the success of our marketing campaigns and allow you to interact with social media while on our site. These cookies are stored on your computer and will expire after a set period of time.

“Targeting and Advertising” cookies: Our site uses cookies to provide links to third party Social Media services such as Twitter and LinkedIn. These cookies recognise users of these social media sites when you view content on our sites. They also allow you to quickly share content across social media, through the use of simple sharing buttons. Social Media sites may subsequently use information about your visit to target advertising to you on other sites. For this reason, these cookies are categorised as “Targeting” cookies.

You can control whether or not these cookies are used, but preventing them may stop us from offering you some services on our site. All of these cookies are managed by third parties, and you may alternatively use the third parties’ own tools to prevent these cookies.

5) Use of Cookies

We use cookies to:
• Distinguish you from other users of our site and so provide you with information that is more relevant to you and your interests, and improve our targeting
• Evaluate our sites’ advertising and promotional effectiveness
• Help stop our online-forms from being used to send spam-email
• Help us to improve our site
• Help us to provide visitors to our site a good experience when they browse our site
• Make our websites easier for visitors to use and enhance their journey through our site
• Monitor usage so we can spot trends and make improvements

We use cookies to identify individuals in the following circumstances:
• If they visit the website via a hyperlink inserted in an email or newsletter sent by us to a named or generic email address: we store some personal information in cookies where a visitor has been identified following any of the three specified activities (we don’t share the anonymous data collected with anyone)
• When they submit an enquiry via the capture pop-up form which appears on our website
• When they submit an enquiry via the contact forms on our website

We use a cookie to remember your cookie preferences this has a couple of consequences: for example, data-submission via forms, as well as user-registration, user-login, and many other features of the websites cannot work fully without using cookies.

We use first-party (our own) and third-party (partner companies) cookies to support these activities
We believe that our use of cookies is very necessary for the smooth functioning of our website.
We do not believe that they pose any threat to your personal privacy or online security and we recommend that you indicate that you will “allow” cookies.
6) Disabling Cookies
You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies or by disabling them when asked. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site.

If you “disable” cookies you will find that most of the website works as expected although functions that rely on cookies are obviously disabled and the interactive functions of the website will not operate: These functions include using online forms (e.g. our enquiry form) or any feature that requires login. We record this disabling action so you don’t get asked the question again.

If you delete all your cookies you will have to tell us your preference again.

If you use a different device, computer profile or browser you will have to tell us your preference again.

7) What is the Legislation?

The original EU legislation that became known as the E-Privacy Directive was published in 2003 and implemented as European Directive – 2002/58/EC. It deals with the protection of privacy in the electronic communications sector. In 2009 the Directive was amended by Directive 2009/136/EC that included a requirement to seek consent for cookies and similar technologies. The EU Directive entered UK law on 26th May 2011 as “The Privacy and Electronic Communications (EC Directive) (Amendment) Regulations 2011”. It is regulated by the Information Commissioner’s Office (ICO) who decided that enforcement would commence from 26th May 2012.

The legislation now states that you must be able to opt-out from having cookies stored on your computer.

If you do not opt out, the websites will continue to set cookies as necessary. This approach of “implied opt-in” is specifically discussed and approved in the guidance notes issued by the Information Commissioner’s Office (the organisation charged with enforcement of this legislation).