1. Introduction

This Cookie Policy describes how Agent Pay Ltd, trading as Wallixor (“we”, “us”, “our”), uses cookies and similar tracking technologies when you access www.wallixor.com (the “Website”) or any of our digital wallet and payment services.

Wallixor operates as an agent and technology platform for Marvli Payment OÜ (Estonian reg. no. 16338540; FINTRAC MSB no. M24723823), which provides the underlying payment services. This Cookie Policy applies to the Website operated by Agent Pay Ltd and should be read alongside our Privacy Policy and Terms and Conditions.

2. What Are Cookies?

Cookies are small text files that a website saves to your device — computer, phone, or tablet — when you visit. They are widely used to keep websites working reliably, remember your preferences, and give website operators insight into how their service is used.

We also use similar technologies such as web beacons (also known as pixel tags or clear GIFs), local storage, and session tokens, all of which are referred to collectively as “cookies” in this policy.

3. Categories of Cookies We Use

The cookies we use fall into four categories, consistent with the classification framework under the Privacy and Electronic Communications Regulations 2003 (PECR) and the UK GDPR.

3.1 Strictly Necessary Cookies

Strictly necessary cookies keep the Website operational. They handle secure login, wallet session management, account authentication, and fraud-prevention checks. Removing them would prevent core features from working.

Legal basis: Consent is not required for these cookies. They are used on the basis that they are strictly necessary for a service you have explicitly requested, under Regulation 6(4) PECR.

3.2 Analytics / Performance Cookies

Analytics cookies help us understand how visitors interact with the Website — for example, which pages are most popular, where users drop off, and how they arrive at our service. All data is aggregated and does not identify individual users.

We use Google Analytics (operated by Google Ireland Limited). Any personal data associated with these cookies may be transferred outside the UK under appropriate safeguards detailed in our Privacy Policy.

Legal basis: Your consent, which you may withdraw at any time.

3.3 Functional Cookies

Functional cookies remember your settings and preferences — such as your chosen currency display or notification preferences — so you do not need to re-enter them each visit. Some functional cookies may be set by third-party services embedded in the Website.

Legal basis: Your consent, which you may withdraw at any time.

3.4 Marketing / Targeting Cookies

Marketing cookies record your browsing activity on the Website to help us deliver advertising that is relevant to your interests. This information may also be shared with third-party advertising networks for the same purpose.

Example tool: Meta Pixel (operated by Meta Platforms Ireland Limited, Dublin, Ireland).

Legal basis: Your consent, which you may withdraw at any time.

4. Legal Basis and Consent

On your first visit to the Website, a cookie consent banner will invite you to accept all cookies, decline non-essential ones, or set your preferences by category. You can update or withdraw your consent at any time — see Section 5 for how.

Strictly necessary cookies do not require your consent under Regulation 6(4) PECR, as they are indispensable to the service you have requested.

For all other cookies, our legal basis is your freely given, specific, informed, and unambiguous consent, in line with:

  • The UK General Data Protection Regulation (UK GDPR) as retained in UK law under the European Union (Withdrawal) Act 2018;
  • The Privacy and Electronic Communications (EC Directive) Regulations 2003 (as amended);
  • The Data Protection Act 2018.

5. Managing and Withdrawing Consent

You have several ways to manage or remove cookies from your device:

5.1 Cookie Consent Tool

You can review or change your cookie choices at any time by clicking the “Cookie Preferences” link in the footer of our Website. Changes take effect straight away.

5.2 Browser Settings

All major browsers let you block or delete cookies at device level, independently of our banner. Guidance for the most common browsers is available here:

  • Google Chrome: Settings > Privacy and Security > Cookies and other site data
  • Mozilla Firefox: Options > Privacy & Security > Cookies and Site Data
  • Apple Safari: Preferences > Privacy > Manage Website Data
  • Microsoft Edge: Settings > Cookies and Site Permissions

Disabling all cookies will affect how the Website works. Wallet login, transfers, and other core features rely on strictly necessary cookies and will not function if these are blocked.

5.3 Opt-Out Tools Provided by Third Parties

You can also opt out of specific third-party cookies directly with the providers concerned:

  • Google Analytics Opt-out: tools.google.com/dlpage/gaoptout
  • Facebook / Meta: facebook.com/settings?tab=ads
  • Your Online Choices (EU/UK): youronlinechoices.com

6. Changes to This Cookie Policy

We keep this Cookie Policy under regular review and may update it when our use of cookies changes, when the law requires it, or when our services evolve. Updates will be published on this page with a revised effective date. For significant changes, we will draw your attention to the update via a notice on the Website or, where we hold your email address, by direct notification.

We recommend checking this page from time to time so you stay up to date.

7. Governing Law and Jurisdiction

This Cookie Policy and any disputes or claims arising out of or in connection with its subject matter or formation (including non-contractual disputes or claims) are governed by and construed in accordance with the law of England and Wales.

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim that arises out of or in connection with this Cookie Policy.

8. Contact Us

For any questions about this Cookie Policy, to exercise your data protection rights, or to raise a concern about our use of cookies, please reach out to us:

Agent Pay Ltd (trading as Wallixor)
Website: www.wallixor.com
Email: [email protected]