Cookie Policy

Payoak.net uses cookies to distinguish you from other users of our Platform. This helps us to provide you with a good experience when you browse Payoak.net and allows us to improve our Platform. By continuing to use Payoak.net, you are agreeing to our use of cookies.

This Cookie Policy (hereinafter the “Cookie Policy”) applies to the collection of personal data and the use of “cookie” files and similar technologies on PayOak.net, including but not limited to the following PayOak sub-sites:

• Escrow Platform

• Blog

• Technical documentation

• Any support platform

and their mobile versions (collectively referred to as the “Website”).

Payoak.net (StoneBridge Technologies Limited), registered at 279 Herbert Macaulay Way, Sabo-Yaba, Lagos, Nigeria, is the sole controller of your personal data, which may be collected through contact forms and the use of cookies and similar technologies (apart from third-party cookies as described below). PayOak is also the administrator of the Website.

By continuing to use our services after this Cookie Policy is posted, you agree to the terms of this Cookie Policy. This constitutes our entire and exclusive Cookie Policy and supersedes any other versions.

1. What are Cookies?

A cookie is a small piece of code that’s automatically saved on your device (computer, phone, tablet or any other device you may be using) when you visit a site. Cookies are stored in your browser and can be managed from the browser level. Cookies have limited lifespan, depending on the type of information collected and its purpose (for more information please see Section 5 below). Cookies can only retain text, which is confidential and, in most cases, encrypted. Cookies do lots of different jobs, such as allowing you to navigate between pages efficiently, remembering your preferences, and generally improving the user experience. Cookies can remember your actions and preferences over time so that you can easily resume where you left off. Depending on your cookie settings and consents expressed through the cookie banner, cookies and similar technologies can also remember your registered login details and preferences with the purpose of delivering a personalised, reliable and frictionless user experience, as well as help to ensure that adverts you see online are more relevant to you and your interests.

⁠Payoak.net uses cookies and similar technologies (such as web beacons, pixels and analytical tools) to tailor our website to your interests and needs, to improve its operation and to ensure security, as well as to provide you with the best user experience possible. The types of data we collect while you are browsing the website include web browser preferences and settings, technical information about the device you are using and information about your previous interactions with Payoak.net's website.

We use the following cookies:

1. Strictly necessary cookies: These are cookies that are required for the operation of the Platform. They include, for example, cookies that enable you use to log into secure areas of the Platform.

2. Analytical/performance cookies: They allow us to recognise and count the number of visitors, track views of content and to see how users move around the Platform when they are using it. This helps us to improve the way the Platform works, for example, by ensuring that users are finding what they are looking for easily.

3. Functionality cookies: These are used to recognise you when you return to the Platform or when you have logged into the Platform already. This enables us to personalise our content for you, greet you by name and remember your preferences.

4. Tracking cookies: These enable us to track use of content from the Platform (on third-party services, such as posts on social media networks), in accordance with your third-party settings.

5. Targeting cookies: These cookies record your visit to the Platform, the pages you have visited and the links you have followed. We will use this information to make the Platform more relevant to your interests. We may also share this information with third parties for this purpose

⁠2. Persistent vs. Session Cookies

• Persistent Cookies: These cookies remain on a user’s device for the period specified in the cookie. They are activated each time that the user visits the website that created that cookie.

• ⁠Session cookies: These cookies allow website operators to link the actions of a user during a browser session. A browser session starts when a user opens the browser window and finishes when they close the browser window. Session cookies are created temporarily. Once you close the browser, all session cookies are deleted.

⁠For more information and to make changes to your preferences, please refer to the cookie management/preference centre by clicking on the appropriate URL link in the footer of the Website.

3. Which Cookies can be Deposited by Third Parties?

For the purposes specified in this Privacy Policy, we make use of our own cookies (or first-party cookies), which are implemented directly by us and readable only by us.

Third-party cookies which may be used on the Website are set and developed by third parties, such as Facebook or Google, to implement new features or functionality (e.g. advertising, social sharing etc.). Although these cookies are implemented directly by these third parties for site analytics and marketing purposes, their use is carefully supervised by Payoak.net. Third-party cookies and their use are also subject to third-party privacy policy.

4. How to Disable Cookies via the Cookie Preference Center

At any time, you can access the Cookie Preference Center by clicking on the link Cookies Settings in the footer of each Platform. Through the Cookie Preference Center, you can decide which cookies are active and can be stored in your browser. If you’ve accepted the use of cookies on your device, us and the third parties implementing their cookies, will be able to process your browsing information as described above. If you reject all cookies, you may not be able to use the services or features that require you to be connected or logged on. You might also not have the possibility of personalising the service delivered to you by us. You may also be able to manage your cookie preferences directly through your web browser by setting your web browser controls to accept or refuse cookies. Since how you may control cookie acceptance via web browser settings differs from one browser to another, please consult the help section of your web browser.

5. Where can I get Further Information?

If you have any questions about our processing of personal data or use of cookies and similar technologies on our website, please email us at info@payoak.net. Please note that third parties (including, for example, advertising networks and providers of external services like user traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical, performance or targeting cookies. If you are unclear about the types of functions of cookies we use, please contact us for more information.