To make this site work properly, we sometimes place small data files called cookies on your device.

What are cookies?

A 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 preferences) over a period of time. This way, you don’t have to keep re-entering your preferences whenever you come back to the site or browse from one page to another.

Necessary cookies

These cookies are essential. They allow you to move around websites or online properties and use their features, such as accessing secure areas of a website. Without these cookies, PAYANA cannot provide services you have asked for, like secure login areas, shopping baskets or e-billing. By using this Site, you agree that we may place these type of cookies on your device.

Performance cookies

Collect information about how visitors use a website or online property. For instance, which pages visitors often visit the most, and if they get error messages from web pages. They don’t collect information about the actual identity (e.g. first and last name) of a visitor. All the information that these cookies collect is aggregated and anonymous. They are only used to improve how a website or other online property works. We generally contract with independent research and measurement companies, such as Google Analytics, to provide these services on our behalf.

These third parties also have their own privacy policies. For further information about Google Analytics, and for links to Google’s Privacy Policy, go to By using this Site, you agree that we may place these type of cookies on your device.

Functionality cookies

Allow the website or online property to remember choices you make (such as user name, language or region you are in) and provide enhanced personal features. They can also be used to remember changes you have made to the text size, fonts and other parts of web pages that you can customize. They may also be used to provide services you have asked for, such as watching a video.

The information that these cookies collect may be anonymous and they cannot track your browsing activity on other websites. By using this Site, you agree that we may place these type of cookies on your device.

Advertising cookies

They are used to deliver adverts more relevant to you and your interests. Also, they help limit the number of times you see an advertisement, as well as to measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website or online property operator’s permission. They remember that you have visited a website and so this information is shared with other organizations such as advertisers. Advertising cookies are often linked to a site functionality that is provided by the other organization.

Third Parties

In some countries, PAYANA may partner with third party online advertising and analytic companies to tailor and deliver advertisements, products, services and promotions. Together with other online properties which we do not control. To help select the best ads for you, these companies may use cookies, Flash technology and similar technologies to collect and track information. Such as demographic data (gender, occupation, etc.), aggregated information, search keywords, geo-location and device-related data (browser type, language, IP address, time/date). This is to select advertisements that are more relevant to your interests, to better personalize your experience and tailor advertisements. Third-parties may also use cookies or similar technologies to collect anonymous or device-related information about your visits to PAYANA. Thus, to provide third-party advertisements about goods and services likely to be of greater interest to you.

PAYANA may use and share anonymous or aggregated information obtained from cookies with third parties such as Vendors or advertising partners. An example of the use of such information would be creating interest categories or segments based on region, preferences, or a combination. We may also share personal and non-personal identifiable information obtained from cookies with third parties. This will allow them to provide services on our behalf or to partner with us in selecting and serving advertisements for us or our advertising partners.
By using this Site, you agree that we may place these type of cookies on your device.

Social Network Sites

If you have signed in to our social network, it has set a cookie on your device which recognizes when you view content on our websites and other online properties. These cookies allow you to share content across social media via the use of sharing settings.

If you have signed in through your social network, it has set a cookie on your device which recognizes when you view content on our websites and other online properties. These cookies allow you to share content across social media via the use of sharing settings. See your social networking site’s terms of use and privacy policy for details.

How to control cookies?

You can control and/or delete cookies as you wish. You can delete all cookies that are already on your computer, as well as setting most browsers to prevent them from being placed. However, if you do this, you may have to manually adjust some preferences every time you visit a site, as some services and functionalities may not work.



This policy applies to PAYANA activities and sites.

Website visitors

Like most website operators, PAYANA collects non-personal information that web browsers and servers make it available. Information such as the browser type, the language preference, the referring site, and the date/time of each visitor. The purpose in collecting non-personal information is to better understand how PAYANA visitors use the website. From time to time, PAYANA may release non-personal information in the aggregate. For instance, publishing a report on trends in the usage of its website.

Collects potential personal information such as Internet Protocol (IP) addresses for users who log in and leave comments on PAYANA blogs/websites. Only discloses logged in users and commented IP addresses under the same conditions that disclose personal information. With the exception of commented IP and email addresses that are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personal Identifying Information

Some visitors on PAYANA’s websites choose to interact in certain ways that require them to gather personal information. The amount and type of information that PAYANA gathers depend on the nature of the interaction. For instance, we ask visitors who signed up at PAYANA to provide the username and email address. Those who engage through transactions with PAYANA are asked to provide additional information. In particular, personal and financial information is required to process those transactions.

In each case, PAYANA collects information only when necessary or appropriated to fulfil the purpose of the visitor’s interaction with PAYANA. PAYANA does not disclose personal information other than as described below. Visitors can always refuse to supply their personal information. However, with the caution that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

PAYANA may collect statistics on visitor’s behaviour on its websites. They may also display this information in public or to others. However, PAYANA does not disclose personal information other than as described below.

Protection of Personal Identifying Information

PAYANA discloses personal information only to its employees, contractors and affiliated organizations. To those (i) that need to process the information on behalf of PAYANA or to provide services available at PAYANA’s websites. And (ii) to those who have agreed not to disclose the information to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country. By using PAYANA’s websites, you are consenting to the transfer of such information to them.

They will not rent or sell personal information to anyone, other than to its employees, contractors and affiliated organizations, as described above. PAYANA discloses personal information only in response to a decree, court order or other governmental requests. Also, in response when PAYANA believes in good faith that disclosure is necessary to protect its property and rights, third parties or the public at large.

If you are a registered user of a PAYANA website and have supplied your email address, you may receive occasionally an email about the new features. You may also receive an email to request feedback or keep up to date with PAYANA activities. If you send a request (via email or one of our feedback mechanisms), we reserve the right to publish it. This will help us clarify, support other users or respond to your request. PAYANA takes all measures that are necessary to protect against unauthorized access, use, change or destruction of personal information.


A cookie is a string of information that a website stores on a visitor’s device and the visitor’s browser provides to the website each return. PAYANA uses cookies to help identify and track visitors, their usage and access preferences of the website.

Visitors who do not wish to have cookies on their devices should set their browsers to refuse cookies before using the websites. Along with the drawback that certain features of PAYANA’s websites may not function properly without the aid of cookies.

Business Transfers

If PAYANA or all of its assets were acquired, user information would be one of the assets to be transferred or acquired by a third party. The same can happen in the unlikely event that PAYANA goes out of business or enters into bankrupt. You are acknowledging that such transfers may occur and that any acquirer of PAYANA may continue to use your personal information as set forth in this policy.


Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your device each time they send you an online ad to compile information about you or others who use your device. This information allows ad networks to deliver targeted ads that will be of most interest to you. This Privacy Policy covers the use of cookies by PAYANA and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, PAYANA may change its Privacy Policy from time to time, and at PAYANA’s sole discretion. PAYANA encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a PAYANA account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.