Cookie Policy
How cookies and similar technologies are used on the website.
Last Updated: January 1, 2026
This Cookie Policy explains how PALFA AB, Registration No. 5590353669 ("PALFA AB", "PALFA", "we", "us", or "our"), uses cookies and similar technologies when you visit or use palfa.se, our web applications, account portal, and related online services (collectively, the "Platform").
This Cookie Policy should be read together with our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.
1. About PALFA
PALFA is a financial technology platform operated by:
PALFA AB
Registration No.: 5590353669
Registered Office: c/o YourOffice, Bror Nilssons gata 5, 417 55 Göteborg, Sweden
Email: support@palfa.se
Certain financial, payment, virtual account, digital asset, and related services accessible through PALFA may be provided through independent third-party service providers.
2. What Are Cookies?
Cookies are small text files or pieces of data that may be stored on your computer, smartphone, tablet, or other device when you visit a website or use an online service.
Cookies and similar technologies allow websites and applications to recognize a device, maintain a secure session, remember preferences, provide requested functionality, understand how services are used, and improve the user experience.
Similar technologies may include local storage, session storage, pixels, tags, software development kits, device identifiers, and other technologies that store or access information on your device.
For the purposes of this Cookie Policy, references to "cookies" include these similar technologies where applicable.
3. Why We Use Cookies
PALFA may use cookies and similar technologies for purposes including:
- operating and maintaining the Platform;
- authenticating users and maintaining secure login sessions;
- protecting accounts and preventing unauthorized access;
- detecting and preventing fraud, abuse, and security threats;
- remembering user preferences and settings;
- enabling forms and other requested functionality;
- maintaining session and account functionality;
- measuring Platform performance;
- identifying technical errors and improving reliability;
- understanding how users interact with the Platform;
- improving our services and user experience;
- supporting integrations with authorized service providers;
- complying with applicable legal, regulatory, security, and compliance requirements; and
- providing analytics, marketing, or other optional functionality where permitted and, where required, after obtaining your consent.
4. Categories of Cookies
Depending on the features you use and your consent preferences, PALFA may use the following categories of cookies.
4.1 Strictly Necessary Cookies
These cookies are necessary for the Platform to operate properly and securely.
They may be used for:
- account authentication;
- login and session management;
- security controls;
- fraud prevention;
- protection against malicious requests;
- remembering information necessary to complete forms;
- maintaining user sessions;
- load balancing;
- network management; and
- providing functionality specifically requested by you.
Because these cookies are necessary to provide the Platform and its requested functionality, they may not require your consent where applicable law permits.
Blocking strictly necessary cookies through your browser may cause parts of the Platform, including account access, authentication, and security functionality, to stop working correctly.
4.2 Functional and Preference Cookies
These cookies may allow the Platform to remember choices you make and provide enhanced functionality.
They may remember information such as:
- language preferences;
- regional settings;
- interface preferences;
- display settings; and
- other user-selected preferences.
Where required by applicable law, these cookies will only be used after you have provided the appropriate consent or made the relevant selection.
4.3 Analytics and Performance Cookies
Analytics and performance technologies may help us understand how visitors and users interact with the Platform.
They may collect information such as:
- pages visited;
- features used;
- approximate session duration;
- navigation paths;
- technical errors;
- browser and device information;
- general Platform performance; and
- aggregated usage statistics.
We may use this information to measure performance, identify technical issues, understand how the Platform is used, and improve our services.
Where consent is required by applicable law, analytics and performance cookies will not be activated until the required consent has been obtained.
4.4 Security and Fraud Prevention Technologies
We may use cookies and similar technologies to protect PALFA, our users, and our service providers.
These technologies may assist with:
- identifying suspicious login attempts;
- detecting automated or malicious activity;
- preventing account takeover;
- preventing fraud and abuse;
- protecting forms and account registration;
- maintaining Platform security;
- enforcing security controls; and
- supporting compliance and risk-management processes.
Some security technologies may be considered strictly necessary for providing a secure service.
4.5 Marketing and Advertising Cookies
Where PALFA uses advertising, remarketing, campaign measurement, social media tracking, or similar technologies, such technologies may collect information about interactions with the Platform and, depending on the technology, interactions with other websites or services.
Marketing technologies may be used to:
- measure advertising campaign performance;
- understand how users arrive at the Platform;
- measure conversions;
- limit repetitive advertising;
- provide relevant advertising; and
- understand engagement with marketing campaigns.
Where required by applicable law, these technologies will only be activated after you have provided consent.
You may withdraw or change your consent at any time through the cookie preference controls made available on the Platform.
5. First-Party and Third-Party Cookies
Cookies used on PALFA may be either first-party cookies or third-party cookies.
First-Party Cookies
First-party cookies are set directly by PALFA or on our behalf and are generally used to operate the Platform, maintain sessions, provide security, remember preferences, and deliver requested functionality.
Third-Party Cookies
Certain functionality may involve third-party technology providers.
Depending on the services enabled on the Platform, third parties may provide services relating to:
- infrastructure and hosting;
- cybersecurity;
- authentication;
- fraud prevention;
- CAPTCHA and bot protection;
- analytics;
- communications;
- customer support;
- payment and financial infrastructure;
- identity verification;
- compliance services; and
- marketing technologies.
Where third-party cookies or similar technologies are used, those third parties may process information in accordance with their own privacy policies and applicable contractual arrangements.
We do not control how an independent third party processes information for its own purposes.
6. Financial and Compliance Service Providers
PALFA may integrate with third-party financial technology, payment, identity verification, compliance, digital asset, and infrastructure providers.
When you request or use certain Platform functionality, these providers may use cookies, device identifiers, session technologies, fraud-prevention tools, or similar technologies where necessary to:
- authenticate a session;
- verify identity;
- conduct KYC or KYB procedures;
- perform sanctions or compliance screening;
- prevent fraud;
- secure transactions;
- provide payment functionality;
- provide virtual account functionality;
- provide digital asset functionality; or
- comply with applicable legal and regulatory requirements.
The use of such technologies may also be governed by the privacy and cookie policies of the relevant provider.
7. Cookie Consent and Preferences
Where required by applicable law, PALFA will request your consent before placing or accessing cookies or similar technologies that are not strictly necessary.
Our cookie controls may allow you to:
- accept optional cookies;
- reject optional cookies;
- select particular categories of optional cookies; and
- change or withdraw previously provided consent.
Refusing optional cookies should not prevent you from accessing the basic functionality of the Platform, although certain optional features may be unavailable or function differently.
Strictly necessary cookies may continue to operate because they are required to provide functionality you have requested or to maintain the security and operation of the Platform.
8. Changing or Withdrawing Your Consent
Where consent is the basis for using a cookie or similar technology, you may withdraw that consent at any time.
You may be able to change your preferences through:
- the cookie preference tool available on PALFA;
- your account or privacy settings, where available; or
- your browser settings.
Withdrawal of consent does not affect the lawfulness of processing carried out before consent was withdrawn.
9. Browser Controls
Most web browsers allow you to manage cookies through their settings.
Depending on your browser, you may be able to:
- view stored cookies;
- delete cookies;
- block cookies;
- block third-party cookies;
- configure cookie permissions for individual websites; or
- clear cookies when you close your browser.
Please note that blocking all cookies may affect the operation of PALFA. In particular, authentication, account security, forms, user preferences, and other Platform functionality may not operate correctly.
10. Cookie Duration
Cookies may be either session cookies or persistent cookies.
Session cookies generally remain active only for the duration of your browser session and are removed when the browser session ends.
Persistent cookies may remain on your device for a defined period or until they are manually deleted.
The duration of a particular cookie depends on its purpose, technical requirements, applicable legal requirements, and the settings of the technology or service that provides it.
We seek to retain cookies only for as long as reasonably necessary for their intended purpose.
11. Personal Data Collected Through Cookies
Depending on the technology used, cookies and similar technologies may process information including:
- IP address;
- device identifiers;
- browser type and version;
- operating system;
- language settings;
- approximate location derived from network information;
- session identifiers;
- authentication information;
- timestamps;
- pages viewed;
- Platform interactions;
- referral information;
- security events;
- technical information; and
- cookie or consent preferences.
Where information collected through cookies constitutes personal data, it will be processed in accordance with our Privacy Policy and applicable data protection laws.
12. International Data Transfers
Some technology and service providers used in connection with the Platform may process information in countries other than the country in which you reside.
Where personal data collected through cookies or similar technologies is transferred internationally, we seek to use appropriate legal, contractual, organizational, and technical safeguards where required by applicable law.
Further information about international transfers of personal data is provided in our Privacy Policy.
13. Do Not Track and Similar Signals
Some browsers and devices provide "Do Not Track" or similar privacy signals.
The legal and technical standards relating to such signals continue to evolve. PALFA may respond to legally recognized preference signals where required by applicable law and technically supported.
You may also use the cookie preference controls available on the Platform to manage optional cookies.
14. Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect:
- changes to the Platform;
- changes to the cookies or technologies we use;
- changes to third-party services;
- legal or regulatory developments; or
- changes to our privacy and security practices.
When we make changes, we will update the Last Updated date at the top of this Cookie Policy.
Where required by applicable law, we may provide additional notice or request renewed consent for material changes affecting the use of optional cookies.
15. Relationship With Our Privacy Policy
This Cookie Policy supplements the PALFA Privacy Policy.
For additional information about:
- the personal data we collect;
- how and why we process personal data;
- our legal bases for processing;
- disclosure of personal data;
- international data transfers;
- data retention;
- your data protection rights; and
- how to contact us about privacy matters,
please review our Privacy Policy.
16. Contact Us
If you have questions about this Cookie Policy, the use of cookies or similar technologies on PALFA, or your privacy choices, please contact:
PALFA AB
PALFA
Registration No.: 5590353669
c/o YourOffice
Bror Nilssons gata 5
417 55 Göteborg
Sweden
Email: support@palfa.se
© 2026 PALFA. Operated by PALFA AB. All rights reserved.