This customer information page forms part of the website publication set. Final regulatory references, statutory timeframes and licence details must be confirmed before formal launch.
1. What cookies and similar technologies are
Cookies are small text files placed on a computer, mobile phone or other device when a person visits a website. They allow the website to recognise a browser or device and may store information about a session, preference or activity.
Similar technologies may include:
- local storage;
- session storage;
- software development kit identifiers;
- pixels and tags;
- device and browser identifiers;
- authentication and security tokens.
2. Why Kingscross uses these technologies
Kingscross may use cookies and similar technologies to:
- operate the website and customer portal;
- maintain a secure login session;
- support OTP and authentication processes;
- remember customer preferences;
- retain transaction progress during a session;
- protect against fraud, misuse and unauthorised access;
- understand website performance and customer journeys;
- measure campaign effectiveness where permitted;
- improve service reliability and usability.
3. Categories of cookies and similar technologies
| Category | Purpose | Default status |
|---|---|---|
| Strictly necessary | Security, login, transaction continuity and core website operation. | Always active |
| Preferences | Remember language, display, consent and service preferences. | May be necessary or optional |
| Analytics | Measure use, performance, errors and navigation. | Off until accepted where consent is required |
| Marketing | Measure campaigns and support relevant advertising. | Off until accepted |
| Security and fraud | Protect accounts, identify suspicious activity and prevent misuse. | Usually necessary |
4. Strictly necessary technologies
Strictly necessary technologies are required for the website or customer portal to function properly. They may support:
- secure login and session management;
- customer authentication and OTP flows;
- fraud prevention and account protection;
- load balancing and website availability;
- remembering privacy choices;
- saving transaction progress during a customer journey;
- preventing duplicate or unauthorised requests.
Because these technologies are essential, they cannot usually be disabled through the Kingscross preference tool. A customer may still block them through browser settings, but doing so may prevent important functions from working.
5. Preference technologies
Preference technologies remember choices such as language, accessibility settings, display preferences, selected service options or previously chosen cookie settings.
Some preference technologies may be treated as necessary where they are essential to a requested feature. Others may remain optional.
6. Analytics and performance technologies
Analytics technologies help Kingscross understand how visitors use the website. They may collect information about:
- pages visited;
- time spent on a page;
- navigation paths;
- errors and failed functions;
- device and browser type;
- general geographic area;
- website speed and performance.
Analytics should be configured to minimise personal data, avoid unnecessary identification and remain disabled until consent is obtained where required.
7. Marketing and campaign technologies
Marketing technologies may be used to:
- measure whether a campaign led to a website visit or account registration;
- limit how often an advertisement is shown;
- understand which campaigns are relevant;
- support audience measurement;
- help Kingscross assess marketing effectiveness.
Marketing technologies should not be activated unless the customer has provided any consent required by law. Kingscross should not sell personal data to third parties for their own independent marketing.
8. Security and fraud-prevention technologies
Security technologies may be used to identify suspicious login behaviour, repeated failed attempts, unusual device activity, automated attacks, account takeover, transaction abuse or other cyber risks.
These technologies may process device, browser, IP, session, authentication and activity information. Because they protect the customer and the service, they may be treated as necessary.
9. First-party provision by Kingscross
All cookies, local-storage items, session-storage items and consent controls currently used on this website are provided and controlled by Kingscross Money Remittance Ltd.
No third-party analytics, advertising, social-media or marketing cookie is currently active.
If Kingscross introduces a third-party provider in future, the provider, purpose, category, duration and legal basis will be disclosed in this Notice and the cookie register before activation.
10. Local storage and session storage
Local storage and session storage are browser technologies that can store information without using a traditional cookie.
In the current website online service, local storage may be used to demonstrate:
- customer profile information;
- saved beneficiaries;
- transaction history;
- login state;
- staff online service state;
- cookie preferences.
This online service approach is not the final production design. Production customer information should be stored and managed through secure backend systems, access controls, encryption and approved retention arrangements.
11. Consent and lawful basis
Kingscross does not normally require consent for strictly necessary technologies because they are essential to provide a requested service, maintain security or comply with legal obligations.
Where consent is required for analytics, marketing or other optional technologies, Kingscross should:
- provide clear information before activation;
- keep optional technologies disabled until consent is given;
- allow separate choices by category where appropriate;
- record the preference;
- allow consent to be withdrawn easily.
12. Session and persistent cookies
Session cookies normally expire when the browser is closed or the session ends.
Persistent cookies remain for a defined period or until deleted. They may remember preferences, security settings or consent choices.
The final production cookie register should state the exact duration of each material cookie or storage item.
13. How to manage cookie preferences
Customers can use the Cookie preferences link in the website footer to:
- accept all optional cookies;
- select necessary technologies only;
- enable or disable analytics;
- enable or disable marketing;
- update a previous choice.
Browser settings can also be used to block or remove cookies and local storage. The exact steps vary by browser and device.
14. Withdrawing consent
A customer may withdraw consent for optional technologies at any time through the website preference tool or browser settings.
Withdrawal does not affect processing that took place lawfully before the preference was changed.
15. What happens if cookies are blocked
Blocking optional analytics or marketing technologies should not prevent access to core services.
Blocking strictly necessary technologies may prevent:
- secure login;
- OTP verification;
- transaction progress from being retained;
- saved preferences from working;
- fraud and security controls from functioning correctly.
16. Personal data collected through cookies
Where cookie or storage information identifies or can reasonably be linked to a person, it is treated as personal data and handled in accordance with the Kingscross Privacy Notice and applicable Kenyan data-protection law.
17. Browser “Do Not Track” and similar signals
Browser privacy signals are not implemented consistently across all websites and technologies. Kingscross should assess whether recognised consent or preference signals can be honoured in the final production design.
18. Changes to this Cookie Notice
Kingscross may update this Notice when cookies, providers, legal requirements, website functions or customer-service technologies change.
Material changes should be communicated through the website or preference tool. The version and effective date at the top of this Notice identify the applicable version.
19. Contact details
Email: corporate@kingsxross.com
Registered Office: Altura, Upper Hill, Ralph Bunche Road, Ground Floor, P.O. Box 1680-00100, Nairobi, Kenya
Questions about cookies, consent or privacy can be sent to the email address above.
20. Current first-party cookie and storage register
| Name or storage item | Provider | Purpose | Category | Duration |
|---|---|---|---|---|
| kxCookiePreferences | Kingscross Money Remittance Ltd | Stores the customer’s cookie choices. | Necessary | Until deleted or preference is changed |
| kxCustomer | Kingscross Money Remittance Ltd | online service customer-profile storage. | Necessary for online service | Until deleted from the browser |
| kxLogged | Kingscross Money Remittance Ltd | online service login-state storage. | Necessary for online service | Until logout or browser storage is cleared |
| kxPendingOtp | Kingscross Money Remittance Ltd | Temporary online service OTP validation. | Security | Maximum 10 minutes or until used/replaced |
| kxBens | Kingscross Money Remittance Ltd | online service saved-beneficiary storage. | Necessary for online service | Until deleted from the browser |
| kxTransactions | Kingscross Money Remittance Ltd | online service transaction-history storage. | Necessary for online service | Until deleted from the browser |
The production website will replace sensitive browser storage with secure backend systems. This register must be updated before launch to reflect the final implementation.
Contact
Email: corporate@kingsxross.com
Registered office: Altura, Upper Hill, Ralph Bunche Road, Ground Floor, P.O. Box 1680-00100, Nairobi, Kenya