Cookies Policy

Please read this Cookie Policy (“cookie policy”, "policy") carefully before using Smartsend website (“website”, "service") operated by Smartsend ("us", 'we", "our").


1. What Are Cookies?
Cookies are small text files placed on your device when you visit a website. They may store information such as your IP address, session ID, browser type, referring pages, and preferences to enhance functionality and user experience.
Cookies may be classified by:
  • Duration: Session cookies vs. persistent cookies
  • Origin: First-party (set by us) vs. third-party (set by external services)

2. Types of Cookies We Use

Strictly Necessary: Enable core site functionality. Necessary cookies allow us to offer you the best possible experience when accessing and navigating through our website and using its features. For example, these cookies let us recognize that you have created an account and have logged into that account.
Performance/Analytics: Monitor site usage and user behavior (e.g., Google Analytics, Microsoft Clarity)
Functionality: Remember settings such as language or region. Functionality cookies let us operate the site in accordance with the choices you make. For example, we will recognize your username and remember how you customized the site during future visits.
Analytical cookies: These cookies enable us and third-party services to collect aggregated data for statistical purposes on how our visitors use the website. These cookies do not contain personal information such as names and email addresses and are used to help us improve your user experience of the website.
Advertising/Targeting: Deliver ads relevant to you based on browsing history
Social Media Cookies: Enable sharing via third-party platforms (e.g., Facebook, X)


3. Legal Basis for Cookie Usage

United Kingdom - UK GDPR & PECR: Consent required for non-essential cookies
United States - CCPA/CPRA: Provide “Do Not Sell or Share My Personal Information” functionality
Canada - PIPEDA & CASL: Use of implied or express consent based on nature of cookies
Nigeria - NDPR: Requires lawful, informed consent for cookies involving personal data


4. Third-Party Cookies and Technologies

Our Website may use cookies set by third-party domains, such as:
- Google Analytics (for site analytics)
- Meta Pixel (for retargeted advertising)
- Hotjar or Mixpanel (for heatmaps and behavior tracking)
We review third-party processors for data protection adequacy and contractually bind them under data processing agreements (DPAs).


5. Cross-Border Data Transfers

Due to the global nature of our operations, cookie-related data may be transferred to jurisdictions outside your home country. We implement safeguards, including:
- Standard Contractual Clauses (SCCs)
- Data Transfer Impact Assessments
- Vendor due diligence and contractual controls


6. Data Retention and Expiry

Cookies will be retained for the minimum time necessary for their purpose.


7. Children’s Data

We do not knowingly place cookies on devices of users under the age of 13 (US/Canada), 16 (UK), or 18 (Nigeria) without parental consent.


8. How to Control Cookies

You can control and manage cookies through:
- Cookie Consent Tool- Browser Settings
- Do Not Track & GPC Signals
Alternatively, you can visit www.internetcookies.com, which contains comprehensive information on how to do this on a wide variety of browsers and devices. You will find general information about cookies and details on how to delete cookies from your device.


9. Cookie Audits and Reviews

We conduct quarterly cookie audits and update this policy when:
- New cookies are introduced
- Third-party services change their cookie behavior
- Legal requirements change


10. Consequences of Disabling Cookies

Disabling cookies may impact the usability and functionality of our Website, including:
- Login and session management
- Transactional services
- Language and regional settings
- Access to customer support tools


11. Changes to This Cookies Policy

We may update this Cookies Policy to reflect changes in legal requirements, technologies, or our data practices. You will be notified of material changes through a prominent notice on our Website.


12. Contact Us

For inquiries or to exercise your data rights, please contact us:
Smartsend – Data Protection Officer
Email: findsupport@smartsendfinance.com


13. Additional Legal References

UK: Data Protection Act 2018, PECR, GDPR
US: CCPA, CPRA, COPPA
Canada: PIPEDA, CASL
Nigeria: NDPR 2019, NCC Consumer Code


14. Legal Basis: Legitimate Interests vs. Consent

We may rely on legitimate interests to process data using strictly necessary cookies. All other cookies require your explicit consent.


15. Accessibility Statement

We ensure our cookie management interface is accessible to users with disabilities. Contact: findsupport@smartsend.uk


16. User Responsibilities

Users are responsible for managing their cookie settings, especially on shared devices.


17. Automated Cookie Scanning and Policy Updates

We use automated tools to detect and categorize cookies. Policy updates follow monthly scans.


18. Localization and Language Support

This Cookies Policy is available in English and other languages upon request. English prevails in case of inconsistency.


19. Cookie Data Sharing with Affiliates and Regulators

We may share cookie data with affiliates or regulators to comply with AML, sanctions, or fraud obligations


20. Liability Disclaimer

We are not liable for third-party cookie behavior or user-side misconfigurations but will assist users in good faith.


21. Cookie Preference Confirmation Email

You may request a confirmation email of your cookie preferences for transparency and record-keeping.


Summary: Your Rights Over Cookies
- Access
- Withdraw Consent
- Opt-Out of Sale
- Lodge Complaint
- Language Support

You may request a confirmation email of your cookie preferences for transparency and record-keeping.


Cookie Examples Table:
Cookie NameProviderCategoryPurpose
__cfduidCloudflareStrictly NecessarySecurity protection and bot mitigation
_gaGoogle AnalyticsPerformanceTracks site usage for analytics
fbpFacebookMarketingDelivers personalized ads
cookie_consent_statusInternalFunctionalStores user cookie preferences

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#250 - 997 Seymour St. Vancouver, BC, Canada V6B 3M1

1001 S Main Street Kalispell MT 59901

124, City Road, London EC1V 2NX, United Kingdon

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“Smartsend Finance Limited incorporated in Canada is registered with FINTRAC in Canada as a Money Service Business (Registration Number: M23782550) and approved by the Bank of Canada as a Payment Service Provider (CASE-02581-V2S7X4)”

"Smartsend Finance Corporation incorporated in the United States of America is registered with the United States Treasury Department Financial Crime Network as a Money Service Business (Registration Number: 31000273618454)"

“SmartSend Limited is registered in the UK by the HMRC as a Money Service Business (Registration Number XNML00000201897)”

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