Merchant Services Experts (“we”, “us” or “our”) provide the information set out on the Merchant Services Experts websites (the “websites”) solely for information and to facilitate Merchant Services Experts communications.
What are cookies?
Cookies are small text files which a website may put on your computer or mobile device when you first visit a site or page. The cookie will help the website, or another website, to recognise your device the next time you visit. Web beacons or other similar files can also do the same thing. We use the term “cookies” in this policy to refer to all files that collect information in this way. There are many functions cookies serve. For example, they can help us to remember your preferences and analyse how well our website is performing, or even allow us to recommend content we believe will be most relevant to you.
Certain cookies contain personal information – for example, if you click to “remember me” when logging in, a cookie will store your username. Most cookies won’t collect information that identifies you and will instead collect more general information such as how users arrive at and use our websites, or a user’s general location.
What sort of cookies does Merchant Services Experts use?
Generally, our cookies perform up to four different functions:
- Essential cookies
Some cookies are essential for the operation of our website. For example, some cookies allow us to identify those using login only pages. If you opt to disable these cookies, then as the user you will not be able to access all of the content available, especially for login pages.
- Performance Cookies
We utilise other cookies to analyse how our visitors use our websites and to monitor website performance. This allows us to provide a high-quality experience by customising our offering and quickly identifying and fixing any issues that arise. For example, we might use performance cookies to keep track of which pages are most popular, which method of linking between pages is most effective, and to determine why some pages are receiving error messages. We might also use these cookies to highlight articles or site services that we think will be of interest to you based on your usage of the website.
- Functionality Cookies
We use functionality cookies to allow us to remember your preferences. For example, cookies recall your customisation preferences, such as the latest page that you saw.
We also use functionality cookies to provide you with enhanced services such as allowing you to watch a video online or use webchat (live chat).
- Behaviourally Targeted Advertising Cookies
PURPOSE/ACTIVITYLAWFUL BASIS FOR PROCESSING INCLUDING BASIS OF LEGITIMATE INTEREST
To register you as a new customerPerformance of a contract with youTo process and deliver your order including:
(a) Manage payments, fees and charges
(b) Collect and recover money owed to us(a) Performance of a contract with you
(b) Necessary for our legitimate interests (to recover debts due to us)To manage our relationship with you which will include:
(b) Asking you to leave a review or take a survey(a) Performance of a contract with you
(b) Necessary to comply with a legal obligation
(c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services)To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to grow our business and to inform our marketing strategy)To use data analytics to improve our website, products/services, marketing, customer relationships and experiences Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)To make suggestions and recommendations to you about goods or services that may be of interest to you Necessary for our legitimate interests (to develop our products/services and grow our business)
Advertisers sometimes use their own cookies to provide you with targeted advertising. For example, advertisers may use a profile they have built on sites that you have previously visited to present you with more relevant advertisements during your visit to netpay.co.uk. We believe that it is useful to our users to see advertisements that are more relevant to their interests. If you are based in the European Union and would like to learn more about how advertisers use these types of cookies or to choose not to receive them, please visit http://www.youronlinechoices.eu/.
We also use or allow third parties to serve cookies that fall into the four categories above. For example, like many companies, we use Google Analytics to help us monitor our website traffic. We may also use third party cookies to help us with market research, revenue tracking, improving site functionality and monitoring compliance with our terms and conditions and copyright.
Can a website user block cookies?
Please remember that if you choose to disable cookies, you may find that certain sections of our website do not work properly.
Do we track whether users open our emails?
Our emails may contain a single, campaign-unique “web beacon pixel” to tell us whether our emails are opened and verify any clicks through to links or advertisements within the email. We may use this information for purposes including determining which of our emails are more interesting to users, to query whether users who do not open our emails wish to continue receiving them and to inform our advertisers in aggregate how many users have clicked on their advertisements. The pixel will be deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, you should select to receive emails from us in plain text rather than HTML.
How to manage cookies
As explained above, cookies help you to get the most out of our websites.
If you disable our cookies you may find that certain sections of our website do not work. For example, you may have difficulties logging in or viewing articles.
How to disable behaviourally targeted advertising cookies
If you are concerned about behaviourally targeted advertising cookies (which serve you advertisements based on your use of netpay.co.uk and other websites), users based in the European Union can visit http://www.youronlinechoices.eu/ to opt out of these third party cookies.
The above websites are not MSE sites and we are not responsible for their content.
How to enable and disable cookies using your browser:
- Click the wrench icon on the browser toolbar
- Select Settings
- Click ‘Show advanced settings’
- In the “Privacy” section, click the ‘Content settings’ button
- To enable cookies in the “Cookies” section, pick ‘Allow local data to be set’, this will enable both first-party and third-party cookies. To allow only first-party cookies pick ‘Block all third-party cookies without exception’
- To disable cookies, in the “Cookies” section, pick ‘Block sites from setting any data’
- Note there are various levels of cookie enablement and disablement in Chrome. For more information on other cookie settings offered in Chrome, refer to the following page from Google: http://support.google.com/chrome/bin/answer.py?hl=en&answer=95647
Microsoft Internet Explorer 6.0, 7.0, 8.0
- Click on ‘Tools’ at the top of your browser window and select ‘Internet Options’
- In the options window navigate to the ‘Privacy’ tab
- To enable cookies: Set the slider to ‘Medium’ or below
- To disable cookies: Move the slider to the top to block all cookies
- Note there are various levels of cookie enablement and disablement in Explorer. For more information on other cookie settings offered in Internet Explorer, refer to the following page from Microsoft: http://windows.Microsoft.com/en-GB/windows-vista/Block-or-allow-cookies
- Click on ‘Tools’ at the browser menu and select ‘Options’
- Select the Privacy panel
- To enable cookies: Check ‘Accept cookies for sites’
- To disable cookies: Uncheck ‘Accept cookies for sites’
- Note there are various levels of cookie enablement and disablement in Firefox. For more information, refer to the following page from Mozilla: http://support.mozilla.org/en-US/kb/Enabling%20and%20disabling%20cookies
- Click on ‘Setting’ at the browser menu and select ‘Settings’
- Select ‘Quick Preferences’
- To enable cookies: check “Enable Cookies”
- To disable cookies: uncheck “Enable Cookies”
- Note there are various levels of cookie enablement and disablement in Opera. For more information on other cookie settings offered in Opera, refer to the following page http://www.opera.com/help
Safari on macOS
- Click on ‘Safari’ at the menu bar and select the ‘Preferences’ option
- Click on ‘Privacy’
- To enable cookies: Click the check box next to ‘Cookies and website data’ to remove the tick.
- To disable cookies: Click the check box next to ‘Cookies and website data’ to add a tick. Then click ‘Block All’.
- Note there are various levels of cookie enablement and disablement in Safari. For more information on other cookie settings offered in Safari, refer to the following page from Apple: https://support.apple.com/en-gb/guide/safari/sfri11471/mac
All other browsers
Please look for a “help” function in the browser or contact the browser provider.