Information about our use of cookies

PT. Indo Koala Remittance (together “IKR” or “Transfez” or “we” or “our”) uses cookies and other technologies when you use our website or mobile apps. We use cookies to distinguish you from other users of our website or mobile apps. This helps us to provide you with a good experience when you use our website or mobile apps, and also allows us to improve our website or mobile apps.

General information on cookies can be found here: http://www.allaboutcookies.org/

Check the Transfez Service Agreement for the meaning of defined words (those with capital letters).

Your Consent

By continuing to use our website or mobile apps, you are agreeing to our use of cookies in accordance with this cookie policy or any alternate policy provided by the specific site or app. This policy applies additional to any other Service Agreement for the particular Transfez service being used. If you do not accept the use of cookies, please disable them when you visit a Transfez website or download a Transfez app.

What are cookies and similar technologies?

A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer. Cookies are widely used by website and mobile application owners in order to make their websites and apps work, or to work more efficiently, as well as to provide reporting information. We use cookies to do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences and generally improving your browsing experience. We also use them to help ensure that any ads you see on our sites and those of others are more relevant to you and your interests. Cookies contain information that is transferred to your computer’s hard drive.

We also use similar technologies such as ‘pixel tags’ and ‘JavaScript’ to undertake these tasks. Pixel tags and JavaScript are tiny graphics files that contain a unique identifier that enable us to recognize when someone has visited our Websites (or opened an e-mail that we have sent them). This allows us, for example, to monitor the traffic patterns of users from one page within our Websites to another, to deliver or communicate with cookies, to understand whether you have come to our Websites from an online advertisement displayed on a third-party website, to improve site performance, and to measure the success of e-mail marketing campaigns.

If you visit our website or use our mobile apps, we will deploy cookies and similar technologies to provide an online service more suited to the device you connect from, as well as to prevent and detect fraud, to help keep you secure. When you visit our website from any device (e.g. mobile device or PC), we collect information about your use of this site, such as information about the device or browser you use to access the site (including device type, operating system, screen resolution, etc.), the way you interact with this site, and the IP address your device connects from. In many instances, these technologies are reliant on cookies to function properly, and so declining cookies will impair their functioning, e.g. you may not be able to initiate or complete some activities within our secure online services unless these cookies or similar technologies are installed. Additionally, please note, we may not be able to process certain transactions if you are physically located in certain countries.

Is there more than one type of cookie deployed?

There are different types of cookies which are usually split into the following categories. We use the following cookies:

• Strictly Necessary/Required Cookies

These are cookies that are required for the operation of our Website. They include, for example, cookies that enable you to log into secure areas of our Website. These cookies are activated when you visit our website and remain active for the duration of your visit.

So, basically, these cookies enable services you have specifically asked to use.

Examples:

1. JSESSIONID
2. usr

• Analytical/Performance Cookies

They allow us to recognize and count the number of visitors and to see how visitors move around our Website when they are using it. This helps us to improve the way our Website works, for example, by ensuring that users are finding what they are looking for easily.

So, basically, these cookies collect information on the website pages you visited and help us provide you with a better service.

Examples:

1. analytics

• Functionality cookies

These are used to recognize you when you return to our Website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).

So, basically, these cookies remember choices you make to improve your user experience.

Examples:

1. exp
2. tw-ref
3. tw-ref-user
4. tw-ref-user-id
5. localeData
6. fxUser

• Targeting cookies

These cookies record your visit to our Website, the pages you have visited and the links you have followed. We will use this information to make our Website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.

So, basically, these cookies collect information about your browsing habits in order to make advertising relevant to you and your interests.

Examples:

1. gid

• Compliance cookies

These cookies are required for us to be able to meet our legal and regulatory requirements, for example, anti-money laundering and fraud prevention. They also prevent your account from being misused by others. These cookies are activated when you visit our website and remain active for the duration of your visit.

• Third party cookies

Cookies set by the website/app owner (in this case, Transfez) are called “first party cookies”. Cookies set by parties other than the website/app owner are called “third party cookies”. Third party cookies enable third party features or functionality to be provided on or through the website/app (e.g. like advertising, interactive content and analytics). The parties that set these third party cookies can recognize your computer both when it visits the website in question and also when it visits certain other websites. Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

How to control and delete cookies through your browser

You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. In order to do this, follow the instructions provided by your browser (usually found in the ‘Help’, ‘Edit’ or ‘Tools’ facility). 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 Website. If you do switch off cookies at a browser level, your device won’t be able to accept cookies from any website. This means you will struggle to access the secure area of any website you use and you won’t enjoy the best browsing experience when you are online. Except for essential cookies, all cookies will expire after 10 years.