Cookie Policy | NillarPay

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work, remember your preferences, and provide website owners with useful analytical information.

Similar technologies include web beacons (tiny images embedded in web pages), local storage, and session storage. This Policy covers all such technologies when used on pay.nillar.com.

This Cookie Policy applies only to our website at pay.nillar.com. The NillarPay mobile application uses device storage and app-level preferences, not browser cookies.

2. Types of Cookies We Use

Essential Cookies

Always Active

These cookies are strictly necessary for the website to function. Without them, core features like page navigation, security, and account access cannot work. You cannot opt out of essential cookies.

Examples:

Session authentication cookies
CSRF (Cross-Site Request Forgery) protection tokens
Load balancing cookies
Cookie consent preference cookies

Analytics Cookies

Requires Consent

These cookies help us understand how visitors interact with our website — which pages are most visited, how long users stay, and where they come from. This data is used in aggregate and anonymised form.

Examples:

Page view tracking
User journey analysis
Error rate monitoring
Traffic source tracking

Preference (Functional) Cookies

Requires Consent

These cookies remember choices you make to provide a more personalised experience. For example, they may remember your language preference or display settings.

Examples:

Language preference cookies
Theme/display preference cookies
Remembered form data (non-sensitive)

Marketing Cookies

Requires Consent

If we use any marketing or retargeting tools, these cookies track your browsing activity to help display relevant content. We will always seek your explicit consent before placing marketing cookies.

Examples:

Retargeting pixel cookies
Campaign tracking cookies

3. Cookie Purposes in Detail

Security: Protecting your account and preventing CSRF attacks and session hijacking.
Authentication: Keeping you logged in during your browser session.
Fraud detection: Identifying unusual access patterns that may indicate account compromise.
Performance optimisation: Ensuring fast and reliable page load times.
Analytics: Understanding how our website is used to improve user experience.
A/B testing: Testing different versions of web pages to find the best experience.
Compliance: Storing your cookie consent preference.

4. Cookie Consent

When you first visit pay.nillar.com, you will see a cookie consent banner. You can:

Accept all cookies — enables all cookie categories.
Reject non-essential cookies — only essential cookies will be set.
Customise preferences — choose which categories to enable.

4.1 Withdrawing Consent

You can change your cookie preferences at any time by clicking the "Cookie Settings" link in our website footer or by clearing cookies in your browser settings. Note that withdrawing consent may affect some website functionality.

4.2 Consent and NDPA

Our cookie consent mechanism complies with the Nigeria Data Protection Act (NDPA) 2023 and associated regulations. We do not place non-essential cookies without your freely given, specific, and informed consent.

5. Managing Cookies in Your Browser

You can control cookies through your browser settings. Here are instructions for common browsers:

Google Chrome

Settings → Privacy and Security → Cookies

Mozilla Firefox

Options → Privacy & Security → Cookies

Safari (iOS/macOS)

Settings → Safari → Privacy & Security

Microsoft Edge

Settings → Privacy, Search & Services → Cookies

Disabling essential cookies in your browser will prevent you from logging in and using most website features. We recommend only blocking non-essential cookies.

6. Third-Party Cookies

Some cookies on our website may be set by third-party service providers we use. These third parties may include analytics providers. Each third-party provider has their own privacy and cookie policies which we encourage you to review.

We do not permit third-party advertising networks to place cookies on our website without your explicit consent. We regularly audit third-party cookies to ensure they are necessary and compliant.

7. Policy Updates

We may update this Cookie Policy from time to time. When we make significant changes, we will update the effective date and notify you through our website cookie consent banner or via email.

For questions about our use of cookies, please contact us at: privacy@nillar.com