3S MONEY (Luxembourg) S.A. COOKIE POLICY

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Please read this cookie policy carefully as it contains important information on who we are and how we use cookies on our websites.

This policy should be read together with our Privacy Policy which sets out how and why we collect, store, use and share personal information generally, as well as your rights in relation to your personal information and details of how to contact us and supervisory authorities if you have a complaint.

1. WHO WE ARE

3S Money (Luxembourg) S.A. registered in Luxembourg R.C.S. number B245715, authorised by the Commission de Surveillance du Secteur Financier (CSSF) under the law of 10 November 2009 on payment services for issuing, distribution and refund of electronic money with the CSSF registration number W00000016 is the controller and is responsible for your personal data.

2. OUR WEBSITE

This cookie policy relates to your use of our website, Onboarding process, and Client Portal which includes the following domains: www.3s.moneywww.welcome.3s.moneywww.clientportal.3s.money. References in this cookie policy to our 'website' include all domains.

Our website may contain links to other websites owned and operated by third parties. These other third party websites may also use cookies or similar technologies in accordance with their own separate policies. For privacy information relating to these other third party websites, please consult their policies as appropriate.

3. COOKIES

A cookie is a small text file which is placed onto your device (e.g. computer, smartphone or other electronic device) when you use our website. We use cookies on our website. These help us to distinguish you from other users of our website. This helps us provide you with a good experience when you browse our website and also allows us to improve our website.

For further information on our use of cookies, please see below.

4. CONSENT TO USE COOKIES AND CHANGING SETTINGS

We will ask for your consent to place cookies or other similar technologies on your device, except where they are essential for us to provide you with a service that you have requested (e.g. to allow you to log in to a secure part of our website).

You can withdraw your consent to the use of non-essential cookies and manage any other cookie preferences by following this link to the "manage cookies" settings. You will see your current settings and will have the option to select or remove non-essential cookies. Once the selection is made you can save your new preferences. It may be necessary to refresh the page for the updated settings to take effect.

5. OUR USE OF COOKIES

The table below provides more information about the cookies we use and why we use them. In the table below, "session cookies" are cookies that remain in your browser for the duration of your browser session only.

 Cookie   Purpose  Duration   Essential or Non-Essential
_ga This is a web analytics service provided by Google Inc which uses cookies to distinguish between different website visitors. 12 months
Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_gat This is a web analytics service provided by Google Inc which is used to throttle request rate. 1 minute Non-essential
3S Money seeks explicit consent  in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_gid This is a web analytics service provided by Google Inc which is used to distinguish between different website visitors. 24 hours Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
lang Remembers the user's selected language version of a website and is necessary for maintaining language-settings across subpages on the website. Session Non-essential
3S Money seeks explicit consent 
in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
lidc Registers which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimise user experience. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_dc_gtm_UA-# Used by Google Tag Manager to control the loading of a Google Analytics script tag. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_ga_# Used by Google Analytics to collect data on the number of times a user has visited the website as well as dates for the first and most recent visit. 12 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjAbsoluteSessionInProgress This cookie is used to count how many times a website has been visited by different visitors - this is done by assigning the visitor an ID, so the visitor does not get registered twice. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjFirstSeen This cookie is used to determine if the visitor has visited the website before, or if it is a new visitor on the website. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjIncludedInPageviewSample Used to detect whether the user navigation and interactions are included in the website’s data analytics. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjIncludedInSessionSample Registers data on visitors' website-behaviour. This is used for internal analysis and website optimization. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
hjLocalStorageTest
_hjSessionStorageTest
This cookie is used to check whether the hotjar tracking script can use local memory. If it can, this cookie sets the value to 1. The data stored in_hjLocalStorageTest has no expiration time, but is deleted almost immediately after it is created. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjRecordingLastActivity Sets a unique ID for the session. This allows the website to obtain data on visitor behaviour for statistical purposes. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjSession_# Collects statistics on the visitor’s visits to the website, such as the number of visits, average time spent on the website and what pages have been read. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjSessionUser_# Collects statistics on the visitor's visits to the website, such as the number of visits, average time spent on the website and what pages have been read. 12 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjTLDTest Registers statistical data on users' behaviour on the website. Used for internal analytics by the website operator. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_hjRecordingEnabled This cookie is used to identify the visitor and optimize ad-relevance by collecting visitor data from multiple websites – this exchange of visitor data is normally provided by a third-party data-center or ad-exchange. Session SessionNon-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
AnalyticsSyncHistory Used in connection with data-synchronization with third-party analysis service. 30 days Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector. 
collect Used to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
ln_or Registers statistical data on users' behaviour on the website. Used for internal analytics by the website operator. 1 day Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
ziwsSession
ziwsSessionId
Collects statistics on the user's visits to the website, such as the number of visits, average time spent on the website and what pages have been read. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
#,#
#,#_expiresAt
Collects data on user behaviour and interaction in order to optimise the website and make advertisement on the website more relevant. 12 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_fbp Used by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers. 3 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
_gcl_au Used by Google AdSense for experimenting with advertisement efficiency across websites using their services. 3 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
ads/ga-audiences Used to detect whether the user intends to leave the page via cursor movements. This allows the website to trigger certain pop-ups to keep the user on the website or convert them to customer. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
bcookie Used by the social networking service, LinkedIn, for tracking the use of embedded services. 12 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
IDE Used by Google DoubleClick to register and report the website user's actions after viewing or clicking one of the advertiser's ads with the purpose of measuring the efficacy of an ad and to present targeted ads to the user. 12 months Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
UserMatchHistory Ensures visitor browsing-security by preventing cross-site request forgery. This cookie is essential for the security of the website and visitor. 30 days Non-essential
3S Money seeks explicit consent 
in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
pagead/1p-user-list/# Tracks if the user has shown interest in specific products or events across multiple websites and detects how the user navigates between sites. Session Non-essential
3S Money seeks explicit consent 
in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
td Used to set a google tag manager tag used for analytical and marketing purposes. Session Non-essential
3S Money seeks explicit consent in accordance with the regulation 2016/679 of the European Parliament end of the council of 27th April 2016 (GDPR), related guidance and national laws complementing the GDPR (together the data protection legislation) and the law of 30 May 2005 laying down specific provisions for the protection of persons with regard to the processing of personal data in the electronic communications sector.
3SMC-CookieConsent This cookie is used to ensure that the cookie consent banner is not displayed again for a set period of time after you have clicked on it. 12 months Essential
__cf_bm This cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website. 24 hours Essential
_cfuvid This cookie is a part of the services provided by Cloudflare - Including load-balancing, deliverance of website content and serving DNS connection for website operators. Session Essential
AWSALB
AWSALBCORS
AWSALBTG
AWSALBTGCORS
This cookie registers which server-cluster is serving the visitor. This is used in context with load balancing, in order to optimize user experience. 7 days Essential
bscookie Used for remembering that a logged in user is verified by two factor authentication 12 months Essential
li_gc Stores the user's cookie consent state for the current domain 180 days Essential
PHPSESSID Preserves user session state across page requests. Session Essential
test_cookie Used to check if the user's browser supports cookies. 1 day Essential
visitorId Preserves users states across page requests. 12 months Essential
3smoney-appform Used to preserve user session when user is redirected to eligibility checker. 12 months Essential
cwr_c
cwr_s
cwr_u
Used to identify anomalies in application performance. 12 months
1 day
30 days
Essential
rc::a This cookie is used to distinguish between humans and bots. This is beneficial for the website, in order to make valid reports on the use of their website. 12 months Essential
rc::c This cookie is used to distinguish between humans and bots. Session Essential
redux-persist sessionStorage test 
persist:3smc_next
st
Used for application performance and to identify anomalies in application performance. Session Essential

 

6. THIRD PARTY ACCESS TO THE COOKIES

The cookies we use will only be accessed by us and those third parties named in the table above for the purposes referred to in this cookie policy. Those cookies will not be accessed by any other third party.

7. HOW TO TURN OFF ALL COOKIES AND CONSEQUENCES OF DOING SO

If you do not want to accept any cookies, you may be able to change your browser settings so that cookies (including those which are essential to the services requested) are not accepted. If you do this, please be aware that you may lose some of the functionality of our website.

8. HOW TO CONTACT US

If you have any questions about this cookie policy or our privacy practices, please contact us in the following ways:

Full name of legal entity: 3S Money Luxembourg S.A.

Email address: [email protected]

Postal address: 2, Rue Edward Steichen, L- 2540 Luxembourg (1st floor Oksigen building)

Telephone number: +352 2033 1266

9. CHANGES TO THIS POLICY

This policy was published on 8 December 2023.

We may change this policy from time to time. When we do so, we will inform you by updating our website. Please make sure that you review this page each time you visit our website so that you are aware of changes to this policy.