Last Updated: September 2025

Cookie Policy

1. INTRODUCTION

This Cookie Policy explains how Yala ("We," "Us," or "Our") uses cookies and similar tracking technologies on our website, mobile applications, and other digital platforms. By continuing to use our services, you consent to our use of cookies as described in this Policy.

This Policy should be read in conjunction with our Privacy Policy, which provides additional information about how we collect, use, and protect your personal data.

2. WHAT ARE COOKIES?

Cookies are small text files that are stored on your device (computer, tablet, smartphone, or other electronic device) when you visit a website or use an application. They help the website or app recognize your device and remember information about your visit, such as your preferences, login details, and browsing activity.

Cookies enable us to provide you with a better, faster, and more secure experience by allowing our platform to remember your settings, authenticate your identity, and analyze how our services are used.

3. TYPES OF COOKIES WE USE

We use different types of cookies to perform various functions on our platform:

3.1. Essential Cookies (Strictly Necessary)

These cookies are necessary for the basic functionality of our platform. They enable core features such as:

  • secure login and authentication,
  • session management and account access,
  • security and fraud prevention,
  • payment processing and transaction execution.

Without these cookies, our services cannot function properly. These cookies do not collect personal data for marketing or analytics purposes.

3.2. Performance and Analytics Cookies

These cookies help us understand how users interact with our platform by collecting anonymous usage data. They allow us to:

  • measure website and app performance,
  • track which pages or features are most visited,
  • identify and fix errors or technical issues,
  • improve user experience based on behavioral insights.

We use tools such as Google Analytics to collect this data. The information collected is aggregated and anonymized, and is not used to personally identify individual users.

3.3. Functionality Cookies

These cookies enable enhanced features and personalization. They remember your preferences and settings, such as:

  • language and currency preferences,
  • customized dashboard layouts,
  • saved payment methods or recipient details,
  • notification settings.

If you disable these cookies, some features may not work as intended, and you may need to re-enter your preferences each time you visit.

3.4. Marketing and Advertising Cookies

With your consent, we may use cookies to deliver targeted advertisements and marketing content that is relevant to your interests. These cookies:

  • track your browsing activity across websites,
  • help us measure the effectiveness of marketing campaigns,
  • prevent you from seeing the same ad repeatedly,
  • deliver personalized content and offers.

You can opt out of marketing cookies through your browser settings or by using opt-out tools provided by third-party advertising networks.

4. THIRD-PARTY COOKIES

In addition to our own cookies, we may allow certain trusted third-party service providers to place cookies on your device. These third parties include:

  • Google Analytics: For tracking website traffic, user behavior, and performance metrics.
  • Payment Processors: To facilitate secure payment processing and fraud detection.
  • Identity Verification Providers: To verify user identities and comply with regulatory requirements.
  • Social Media Platforms: If you interact with our social media integrations or share content, platforms like LinkedIn, Twitter, or Facebook may set cookies on your device.

These third-party cookies are governed by the respective privacy policies of those organizations. We recommend reviewing their policies to understand how they use cookies and personal data.

5. HOW LONG DO COOKIES LAST?

Cookies may be either session cookies or persistent cookies:

  • Session Cookies: These are temporary cookies that expire when you close your browser or app. They are used to maintain your session while you navigate through our platform.
  • Persistent Cookies: These remain on your device for a set period (ranging from days to years) or until you manually delete them. They help us remember your preferences and provide a personalized experience when you return to our platform.

6. MANAGING YOUR COOKIE PREFERENCES

You have the right to control how cookies are used on your device. You can manage your cookie preferences in the following ways:

6.1. Browser Settings:

Most web browsers allow you to manage cookies through their settings. You can:

  • block all cookies,
  • accept only first-party cookies,
  • delete cookies after each browsing session,
  • set preferences for specific websites.

For guidance on managing cookies, visit the help section of your browser (e.g., Chrome, Safari, Firefox, Edge).

6.2. Mobile Device Settings:

You can manage cookies and tracking technologies on mobile devices through your device's privacy settings. On iOS and Android devices, you can disable tracking, limit ad personalization, or reset your advertising ID.

6.3. Opt-Out Tools:

You may opt out of certain third-party cookies, such as advertising cookies, by visiting industry opt-out pages or using privacy-focused browser extensions.

Please Note: Disabling or blocking essential cookies may affect the functionality of our platform and prevent you from accessing certain features or services.

7. DO NOT TRACK (DNT) SIGNALS

Some browsers support "Do Not Track" (DNT) signals, which allow users to request that websites not track their browsing activity. At present, there is no universally accepted standard for how websites should respond to DNT signals. As such, our platform does not currently respond to DNT signals. However, you can still manage cookies and tracking through your browser and device settings as described above.

8. COOKIES AND PERSONAL DATA

Some cookies may collect or process personal data, such as IP addresses, device identifiers, or usage patterns. Where cookies are used to collect personal data, such data will be handled in accordance with our Privacy Policy and applicable data protection laws, including the Nigeria Data Protection Act (NDPA) 2023, the General Data Protection Regulation (GDPR), and other relevant regulations.

9. UPDATES TO THIS COOKIE POLICY

We may update this Cookie Policy from time to time to reflect changes in our practices, technologies, legal requirements, or regulatory obligations. When we make changes:

  • we will post the updated version on our website and/or mobile app,
  • the effective date will be clearly indicated at the top of this page,
  • if the changes are significant, we may notify you via email or in-app notification.

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies.

10. CONTACT US

If you have any questions or concerns about our use of cookies or this Cookie Policy, please contact us at:

Email: dataprotection@useyala.com

11. COOKIES WE USE: DETAILED BREAKDOWN

Below is a summary of the main categories of cookies used on our platform:

Cookie TypePurposeDuration
Essential CookiesEnable core platform functionality, secure login, session management, and payment processingSession or up to 1 year
Performance & Analytics CookiesTrack usage patterns, measure performance, identify errors, and improve user experienceUp to 2 years
Functionality CookiesRemember your preferences, settings, and customizations (e.g., language, currency)Up to 1 year
Marketing & Advertising CookiesDeliver personalized ads, track campaign effectiveness, and limit ad frequencyUp to 2 years

12. YOUR CONSENT AND CHOICES

By using our website, mobile app, or other services, you consent to our use of cookies as described in this Policy. You have the right to withdraw your consent at any time by:

  • adjusting your browser or device settings to block or delete cookies,
  • opting out of marketing cookies through your account preferences,
  • contacting us at dataprotection@useyala.com to request the deletion of certain cookies or data.

Please note that withdrawing consent or disabling cookies may limit your ability to use certain features of our platform.

13. ADDITIONAL INFORMATION

For more information about how we collect, use, and protect your personal data, please refer to our Privacy Policy.

If you have concerns about our use of cookies or wish to exercise your data protection rights, please contact our Data Protection Team at dataprotection@useyala.com.

Last updated: November 16, 2025