Cookie Policy
Last updated 29 July 2026
This Cookie Policy explains how Betaling Africa ("Betaling", "we", "us", or "our") uses cookies and similar technologies when you access or use our websites, mobile applications, customer portals, Treasury Network platform, OTC Desk, digital wallets, and other online services (collectively, the "Services").
This Cookie Policy should be read together with our Privacy Policy and Terms of Service, which explain how we collect, use, disclose, and protect your personal information.
By continuing to use our Services, you acknowledge the use of cookies and similar technologies as described in this Policy, subject to your preferences where consent is required by applicable law.
1. What are cookies?
Cookies are small text files that are downloaded onto your computer, smartphone, tablet, or other device when you visit a website or use an application. Cookies enable websites and applications to recognise your device, remember information about your visit, improve functionality, enhance security, personalise your experience, and help website owners understand how their services are being used.
In addition to traditional browser cookies, Betaling may also use similar technologies, including local storage, session storage, software development kits (SDKs), tracking pixels, web beacons, application programming interfaces (APIs), device identifiers, advertising identifiers, browser fingerprinting technologies, server logs, and similar technologies that collect technical or usage information. For simplicity, all of these technologies are referred to collectively in this Cookie Policy as "cookies."
Cookies may be set directly by Betaling ("first-party cookies") or by trusted third parties acting on our behalf ("third-party cookies"). Cookies may also be:
- Session Cookies, which expire when you close your browser; or
- Persistent Cookies, which remain on your device until they expire or are deleted.
2. Why we use cookies
Betaling uses cookies and similar technologies for a variety of legitimate business, security, operational, analytical, and compliance purposes. Depending on the Services you use, cookies may be used for the following purposes.
2.1 Essential and security purposes
These cookies are necessary for the operation of our Services and cannot generally be disabled because they are required to:
- authenticate users and maintain secure login sessions;
- protect user accounts and detect fraudulent activity;
- prevent account takeover and monitor suspicious login attempts;
- verify devices and enable multi-factor authentication;
- protect against cyberattacks and prevent abuse of our Services;
- maintain platform integrity and transaction security;
- support secure payment processing and wallet functionality; and
- comply with regulatory security requirements.
Without these cookies, certain features of the Services may not function properly.
2.2 Functional cookies
These cookies allow us to remember your preferences and personalise your experience. They may be used to remember your preferred language, preferred currency, accessibility settings, display preferences, notification preferences, dashboard settings, login preferences, previously selected options, and other account customisations. These cookies improve convenience but are generally not essential to the operation of the Services.
2.3 Performance and analytics cookies
We use analytics cookies to better understand how customers interact with our Services. These cookies help us analyse website traffic, monitor application performance, identify system errors, improve website speed, optimise customer journeys, understand which features are most frequently used, evaluate user engagement, improve navigation, identify usability issues, measure platform performance, and develop new products and features. Analytics information is generally aggregated and does not directly identify individual users unless necessary for fraud prevention or security.
2.4 Communication and marketing cookies
Where permitted by applicable law and subject to your preferences, we may use cookies to measure the effectiveness of marketing campaigns, understand how users interact with our emails, prevent duplicate marketing communications, personalise communications, improve customer engagement, evaluate promotional campaigns, and provide relevant product updates. Betaling does not sell your personal information to advertisers.
2.5 Compliance and risk management
Because Betaling provides regulated financial services, certain cookies are used to assist with fraud prevention, AML monitoring, transaction integrity, sanctions compliance, account security, audit logging, regulatory compliance, operational resilience, cybersecurity monitoring, and risk management. Some cookies help us maintain evidence required by financial regulators and support investigations into suspected fraud or security incidents. These cookies are necessary for the lawful operation of our regulated financial services.
3. Types of cookies we use
| Category | Purpose | Can you turn them off? |
|---|---|---|
| Strictly necessary | Required for the Services to function. These keep you securely signed in (for example, session and refresh tokens stored in secure, HttpOnly cookies), protect against fraud, support security, and balance traffic. We do not store authentication tokens in browser local storage. | No. The Services will not work properly without them. |
| Functional / preferences | Remember choices you make, such as language, currency display, and interface settings, to give you a more personalised experience. | Yes, but some features may be less convenient. |
| Performance / analytics | Help us understand how visitors use the Services, which pages are visited, and where issues occur, so we can improve them. This data is used in aggregate. | Yes, where required we ask for your consent first. |
| Marketing | Help us measure and, where you have opted in, deliver relevant communications and understand their effectiveness. | Yes, set only with your consent. |
4. Cookies we set
The specific cookies in use are listed below. Names and durations may change as we update the Services; we will keep this list current.
| Cookie | Type | Duration | Purpose |
|---|---|---|---|
betaling-app-auth-token |
Strictly necessary | 10 minutes | Maintains your secure signed-in session. |
betaling-app-auth-refresh |
Strictly necessary | Up to 7 days | Securely renews your session (HttpOnly). |
betaling-cookie-consent |
Functional | 12 months | Records the cookie choice you made on the banner. |
| Analytics cookies | Analytics | — | None are currently set. This table and the consent banner will be updated before any analytics cookies are deployed. |
5. Third-party cookies
Certain cookies and similar technologies used on the Services are placed by trusted third parties that provide services to or on behalf of Betaling. These third parties assist us with, among other things, website and application analytics, payment processing, identity verification, fraud detection and prevention, cybersecurity monitoring, customer authentication, sanctions and compliance screening, customer communications, cloud hosting, content delivery, performance monitoring, technical support, customer relationship management, product improvement, and marketing analytics where permitted by applicable law.
Examples of such third parties may include:
- analytics providers (such as Google Analytics or equivalent providers);
- payment processors and payment gateways;
- banking and settlement partners;
- identity verification providers;
- fraud prevention service providers;
- cloud infrastructure providers;
- customer support platforms;
- communication providers (email, SMS, and push notifications);
- advertising measurement providers (where consent has been obtained); and
- other technology partners engaged by Betaling.
These third parties may collect technical information relating to your device and use of the Services in accordance with their own privacy policies and cookie notices. Betaling does not control the cookies placed by independent third parties. We encourage you to review their respective privacy and cookie policies before using their services. A list of our principal third-party service providers is available in our Privacy Policy and may be updated from time to time.
6. How long cookies remain on your device
Session cookies
Session cookies are temporary cookies that exist only while your browser or application session remains active. They are automatically deleted once you close your browser, log out of your account, or end your application session. Session cookies are primarily used for secure authentication, fraud prevention, maintaining your login session, preserving transaction information during a session, and improving website functionality.
Persistent cookies
Persistent cookies remain stored on your device until they reach their predetermined expiry date, you manually delete them, or your browser removes them. Persistent cookies are commonly used to remember your preferences, recognise returning users, improve customer experience, measure website performance, maintain security settings, and facilitate future logins where appropriate.
The retention period for individual cookies depends on their purpose and is specified in the table in Section 4. Betaling periodically reviews the cookies we use and removes cookies that are no longer necessary.
7. Managing your cookie preferences
You have control over the cookies used on your device, subject to certain legal and technical limitations. You may manage your cookie preferences in the following ways.
7.1 Cookie consent banner
When you first visit the site you can accept all cookies or reject non-essential cookies through the cookie banner. You can change your choice at any time by clearing the cookies set by this site from your browser — the banner will reappear on your next visit and you can make a new choice. Changes to your preferences generally take effect immediately, although certain cookies may remain active until they expire or are deleted.
7.2 Browser settings
Most internet browsers allow you to view, delete, or block cookies (including third-party cookies), receive notifications before cookies are stored, and configure browser-specific cookie preferences. Instructions are generally available through your browser's Help section. Please note that disabling cookies may affect the availability or functionality of certain features of the Services, including secure login, wallet functionality, payment processing, and user preferences.
7.3 Mobile device settings
If you access the Services using a mobile device, you may also manage advertising identifiers, application permissions, device identifiers, location permissions, app tracking preferences, and notification permissions through your device's operating system settings.
7.4 Analytics opt-out
Certain analytics providers offer mechanisms that allow you to opt out of analytics tracking. Where available, you may use these mechanisms in addition to your browser settings and the cookie banner.
7.5 Essential cookies
Some cookies are classified as strictly necessary because they are essential for protecting your Account, authenticating users, preventing fraud, enabling secure transactions, complying with legal obligations, maintaining website functionality, and providing the Services requested by you. Because these cookies are essential to the operation and security of the Services, they generally cannot be disabled.
8. Your consent
Where applicable law requires consent, Betaling will request your consent before placing non-essential cookies on your device. Consent may be requested through a cookie banner or pop-up when you first access the Services. You may accept all cookies, reject non-essential cookies, customise your cookie preferences, or withdraw previously given consent at any time. Withdrawal of consent does not affect the lawfulness of processing carried out before such withdrawal.
Where cookies are necessary for providing the Services requested by you, protecting platform security, complying with legal obligations, or preventing fraud, such cookies may continue to be used without consent where permitted by applicable law.
9. Do Not Track (DNT)
Certain web browsers include a feature known as "Do Not Track" (DNT), which allows users to indicate a preference not to be tracked across websites. At present, there is no universally accepted technical or legal standard governing how websites should respond to DNT signals. Accordingly, Betaling currently does not respond differently to browser-based Do Not Track signals. Instead, you may manage cookies through the cookie banner, browser settings, mobile device settings, and the controls described in this Cookie Policy. If industry standards or applicable laws relating to Do Not Track evolve, Betaling may update its practices accordingly.
10. Changes to this Cookie Policy
Betaling may update this Cookie Policy from time to time to reflect changes in applicable laws or regulations, developments in technology, improvements to our Services, changes to our use of cookies or similar technologies, changes to our third-party service providers, or operational or business developments.
Whenever we make material changes to this Cookie Policy, we will:
- update the "Last updated" date appearing at the top of this page;
- publish the revised Cookie Policy on our website and applications;
- where appropriate, notify users by email, website notice, or in-app notification; and
- obtain your consent where required by applicable law.
We encourage you to review this Cookie Policy periodically. Your continued use of the Services after the effective date of any updated Cookie Policy constitutes your acknowledgement of the revised Policy, except where applicable law requires your express consent.
11. Contact us
If you have any questions, concerns, or requests regarding this Cookie Policy or Betaling's use of cookies and similar technologies, please contact our privacy team at support@betaling-africa.com.
Nigeria: Betaling Africa Tech Limited (RC 1885537)
United States: Betaling Africa Inc, 8 The Green, Ste A,
Dover, DE 19901, United States
We will endeavour to respond to cookie-related enquiries within the timeframes required under applicable data protection laws. Where necessary, we may request additional information to verify your identity before responding to your request.