Information about us
www.currencymatters.co.uk (“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 USA we are registered as an 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.
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 “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
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.
- 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
- 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 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.
Types of Cookies
We use three types of cookies on this site:
“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.
- Cookie consent - Stores the user's cookie consent state for the current domain
“Statistics” 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.
- _ga - Registers a unique ID that is used to generate statistical data on how the visitor uses the website.
- _gat - Used by Google Analytics to throttle request rate
- _gid - Registers a unique ID that is used to generate statistical data onhow the visitor uses the website.
- Collect - Used to send data to Google Analytics about the visitor's device and behaviour. Tracks the visitor across devices and marketing channels.
The “Marketing” 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.
- r/collect - This cookie is used to send data to Google Analytics about the visitor's device and behaviour. It tracks the visitor across devices and marketing channels.
- rc::c – This cookie is used for Google Analytics as above.
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.
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.
You can learn how to manage cookies on your web browser by following the Browser Cookies Guide.
Third Party Cookies
This site uses Google Analytics which is one of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.
For more information on Google Analytics cookies, see the official Google Analytics page.
Third party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit which helps us to understand how we can improve the site for you.
From time to time we test new features and make subtle changes to the way that the site is delivered. When we are still testing new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most.
The Google AdSense service we use to serve advertising uses a DoubleClick cookie to serve more relevant ads across the web and limit the number of times that a given ad is shown to you. For more information on Google AdSense see the official Google AdSense privacy FAQ.
We use adverts to offset the costs of running this site and provide funding for further development. The behavioural advertising cookies used by this site are designed to ensure that we provide you with the most relevant adverts where possible by anonymously tracking your interests and presenting similar things that may be of interest.
We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including;
will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies.
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.
Hopefully that has clarified things for you and as was previously mentioned if there is something that you aren't sure whether you need or not it's usually safer to leave cookies enabled in case it does interact with one of the features you use on our site.
However if you are still looking for more information then you can contact us through one of our preferred contact methods:
By Post to:
The Data Protection Officer Currency Matters Limited Glenbourne House
63 Burscough Street Ormskirk