The European financial services market is fragmented, just like any other B2C industry on the continent. A new breed of financial companies, regulated under the European e-money & Payment services directives, and known as electronic money institutions, are progressively uniting people, while giving them freedom beyond national borders and regulations. What does e-money mean forRead more
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If you disable this cookie, we will not be able to save your preferences. This means that every time you visit this website you will need to enable or disable cookies again.
These cookies collect information about how you as a visitor use our website. For instance, which pages visitors go to most often and if they get error messages from web pages. This data in aggregate form is used to improve our websites and apps. This data is also used to identify whether customers may have specific interests needs based on pages they have visited within our websites/apps. These cookies allow us to provide you our service better.
Please enable Strictly Necessary Cookies first so that we can save your preferences!
We use “cookies” and other technologies when you visit or use our websites or mobile apps. In this document you may find more information and details on about the cookies and the similar technologies as well as how to control them.
General information on cookies can be found here: http://www.allaboutcookies.org/
If you no longer consent to the use of consent-based cookies and similar technologies, please delete the cookies via your browser settings or use the control panel (which loads when opening the websites) . There is a brief instruction further in the policy below and you can find further information on deleting and blocking cookies here: http://www.aboutcookies.org/how-todeletecookies/
What are cookies and similar technologies?
Cookie is a small text file that a website saves on your computer or mobile device when you visit the site. It enables the website to remember your actions and preferences (such as login, language, font size and other display preferences) over a period of time, so you don’t have to keep re-entering them, whenever you come back to the site or browse from one page to another. Cookies are generated by the server of the visited website when the browser of your device loads it. The website sends information to the browser and creates a text file. Each time the user returns to the same website, the browser extracts this text file and sends it to the website’s server. The information that the cookie contains is specified by the server and may be used by the latter when the website is visited again by the user.
If you visit our websites or mobile apps, we will deploy cookies and similar technologies to design an online service more suitable for your device, as well as to prevent and detect fraud. When you visit our website from any device we collect information about your use of the particular website, 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 cases, the above said technologies are relying on cookies to function properly, and so declining cookies will impair their functioning, which means that you may not be able to exercise some activities within our secure online services unless these cookies or similar technologies are installed. Additionally, there might be a chance that we may not be able to process certain transactions if you are physically located in certain countries.
Cookies set by us are referred to as "first party cookies". Cookies deployed by parties other than us are called "third-party cookies". Third party cookies enable third party features or functionality to be displayed on or through the website/app. 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.
We may not influence or control over third-party cookies. If you would like to find out more about the types of cookies which may be downloaded as a result, please visit the website of the third-party provider to do so.
Types of cookie inserted
There are different types of cookies which are usually split into the following categories, but note that not all these types will be used on our website or mobile app:
These cookies are required in order to allow you to move throughout the website and use its functionalities, such as accessing secure areas of the website. Without these cookies the services you have applied for cannot be provided. These cookies are activated when you visit our website and remain active for the duration of your visit. These cookies allow us to provide you our service. The use of these cookies is based on the legal basis of providing you access to our website and therefore are always active
Statistical cookies/Third-party cookies
These cookies collect information about how you as a visitor use our website. For instance, which pages visitors go to most often and if they get error messages from web pages. This data in aggregate form is used to improve our websites. This data is also used to identify whether customers may have specific interests needs based on pages they have visited within our websites. These cookies allow us to provide you our service better and are therefore based on our legitimate interests.
These cookies allow our website to remember choices you make and provide high level of personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you are allowed to customize. The information these cookies collect may be anonymized and they cannot track your browsing activity on other websites. These cookies memorize your preferences in order to provide you with the full functionalities of our website, and are therefore based on our contractual obligations towards you.
Cookies in Emails
These cookies are based on our legitimate interests for optimizing our marketing, promotion and similar activities.
If you do not wish to accept cookies from any one of our emails, simply close the email before downloading any images or clicking on any links. You can also set your browser to restrict cookies or to reject them entirely. These settings will apply to all cookies whether included on websites or in emails.
If you have configured your computer to automatically display images, or if you have added us to your email "address book" (or "safe senders" list), or if you have configured your computer to have "weak" security, cookies might be set at the same time as you download, open or read an email from us. If you would prefer for this not to happen, you should disable the automatic displaying of images, or remove us from your address book or strengthen your security settings.
How to control and delete cookies through your browser
The ability to disable or delete cookies can also be carried out by changing your browser’s settings. In order to do this, follow the instructions provided by your browser (usually found in the ‘Help’, ‘Edit’ or ‘Tools’ facility). Some pages may not work if you completely disable all cookies, but many third-party cookies can be safely blocked. 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.
Types of Cookies used for iCard website:
Below is a list of the types of cookies and similar technologies that we use in our website and mobile application along with instruction as to how they may be disabled.
Complete list with cookies can be found here:
|__cfduid||5 years||Cookie assoiated with sites using CloudFlare, used to speed up page load times. According to CloudFlare it is used to override any security restrictions based on the IP address the visitor is coming from. It does not contain any user identification information.||Necessary|
|_ym_isad||2 days||Determines whether a user has ad blockers||Statistical|
|_ym_uid||1 year||Used for identifying site users|
|_ym_d||Stores the date of the user's first site session|
|yandexuid||Used for identifying site users|
|yabs-sid||Until the session ends||Session ID|
|yp||10 years||Sets a unique ID for the session. This allows the website to obtain data on visitor behaviour for statistical purposes.|
|_gaexp||Depends on the length of the experiment but typically 90 days.||Used to record a person’s involvement in a website experiment e.g. an A/B test where half of our website users see one webpage, and the other half see an alternative version.|
This helps us test that the changes we make to our site are actually making it better.
|_gcl_au||3 months||Used by Google AdSense for experimenting with advertisement efficiency across websites using their services.|
|ajs_anonymous_id||1 year||These cookies are generally used for Analytics and help count how many people visit a certain site by tracking if you have visited before.|
|ajs_group_id||These cookies track visitor usage and events within the website.|
|ajs_user_id||This cookie helps track visitor usage, events, target marketing, and can also measure application performance and stability.|
|hubspotutk||13 months||This cookie is used to keep track of a visitor's identity. This cookie is passed to HubSpot on form submission and used when deduplicating contacts.|
|intercom-id||24 hours||This cookie is used by Intercom as a session so that users can continue a chat as they move through the site.||Statistical|
|intercom-session||Used to distinguish users|
|mp_hj_mixpanel||1 year||Third-party cookies used to track visitors and collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. No personally identifiable information is stored. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the website from, and the pages they visited.||Statistical|
|fuid01||These cookies compile anonymous information on users’ browsing on the website in order to know the origin of the visits and other similar statistical data. These cookies do not identify the user or compile any type of personal information.||Statistical|
|IDE||2 years||Google also use one or more cookies for advertising we serve across the web. One of the main advertising cookies on non-Google sites is named ‘IDE‘ and is stored in browsers under the domain doubleclick.net. Another is stored in google.com and is called ANID. We use other cookies with names such as DSID, FLC, AID, TAID, and exchange_uid. Other Google properties, like YouTube, may also use these cookies to show you more relevant ads.||Statistical|
|__hssrc||Session||Website usage statistics|
|__hstc||2 years||Website usage statistics|
|muc||2 years||Used to facilitate Twitter functionality on our website and to:|
- track user behaviour
- deliver and measure the performance of advertising
- enable sign-in
- personalise the Twitter experience across devices.
|act||3 months||You have a Facebook account, these cookies will allow you to share content on the Inflectra site with your Facebook contacts. You will be also able to tell if you or your Facebook friends 'Liked' any content on the Inflectra site in the past. The cookies will also send some non personal data to Facebook to gather aggregate information on how people interact with websites that use the Like button.||Statistical|