Last updated: February 2026

Cookie Policy

Important: This policy was last reviewed in February 2026. We recommend seeking independent legal advice for your specific situation.

1. What are cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work more efficiently and provide information to website owners.

Cookies help websites remember your actions and preferences (such as login status, language, or theme) over a period of time, so you don't have to keep re-entering them whenever you return to the site.

2. Essential cookies

We use essential cookies that are strictly necessary for the Service to function. These cookies do not require your consent under PECR (Privacy and Electronic Communications Regulations).

Essential cookies we use:

• Session authentication: A secure, httpOnly cookie keeps you logged in as you navigate the Service (expires after 7 days)
• CSRF protection: A token cookie protects against cross-site request forgery attacks

These cookies contain no personally identifiable information beyond your session ID. They are essential for security and cannot be disabled without preventing core functionality.

3. Analytics

Currently, we do not use analytics cookies.

If we decide to add analytics in the future, we will use a privacy-focused solution such as Plausible Analytics which:

• Does not use cookies
• Does not track users across websites
• Does not collect personal data
• Is fully GDPR and PECR compliant without requiring consent banners

This Cookie Policy will be updated if we add any analytics tracking.

4. Third-party cookies

Stripe Checkout: When you make a payment, you may be redirected to Stripe's secure checkout page. Stripe may set cookies for fraud prevention and payment processing. These cookies are governed by Stripe's Cookie Policy: stripe.com/gb/privacy

Public tools (Interest Calculator, LBA Generator): These tools do not set cookies. If you choose to download a PDF, we may use session storage (not cookies) to temporarily store your email address for the download flow.

5. How to manage cookies

You can control and manage cookies through your browser settings. Most browsers allow you to refuse cookies or delete cookies that have already been set.

Browser cookie settings:

• Chrome: support.google.com/chrome/answer/95647
• Firefox: support.mozilla.org
• Safari: support.apple.com
• Edge: support.microsoft.com

Note: If you disable essential cookies, you will not be able to use the Service as it requires session authentication to function.

6. Changes to this policy

We may update this Cookie Policy from time to time to reflect changes in our use of cookies or updates to UK regulations. When we do, we will update the "Last updated" date at the top of this page.

If we add new types of cookies (such as analytics or marketing cookies), we will notify you via email or through a prominent notice in the Service.

7. Contact us

If you have questions about our use of cookies, please contact us:
Email: privacy@notpaidyet.com
NotPaidYet Ltd, United Kingdom

Disclaimer: This policy was last reviewed in February 2026. We recommend seeking independent legal advice.