Cookie Policy

1. Introduction

This Cookie Policy explains how Stonebridge Technologies Limited (“Stonebridge”, “PayOak”, “we”, “us” or “our”) uses cookies and similar technologies when you visit or interact with the PayOak website at payoak.net.

Cookies and similar technologies help us operate our website, remember your preferences, understand how visitors use our website, measure website performance, and support our marketing activities.

This Cookie Policy applies primarily to the public PayOak website and explains the different categories of cookies and similar technologies that may be used, the purposes for which they are used, and the choices available to you.

PayOak uses both technologies that are necessary for the website to function and optional analytics and marketing technologies. Optional analytics and marketing technologies are controlled through our cookie preference mechanism and are not activated unless you provide the applicable consent.

Our website provides you with the ability to accept optional cookies and similar technologies, reject optional cookies and similar technologies, or manage your preferences by category. You can also return to the Cookie Preference Centre at any time to review or change your choices.

This Cookie Policy should be read together with our Privacy Notice, which explains more generally how PayOak collects, uses, shares and protects personal data.

Effective Date: 23 September 2026

Last Updated: 23 September 2026

2. Who is Responsible for Cookies and Similar Technologies

The PayOak website is operated by Stonebridge Technologies Limited, trading as PayOak.

Stonebridge Technologies Limited is responsible for the processing of personal data that may arise from the use of cookies and similar technologies on the PayOak website, subject to the role and processing activities of any relevant third-party providers.

Registered Address: 279 Herbert Macaulay Way, Sabo-Yaba, Lagos, Nigeria

Data Protection Officer: Oluwanifemi Famuyiwa

DPO / Privacy Email: nifemi@payoak.net

If you have questions about our use of cookies and similar technologies, your privacy choices, or the processing of personal data associated with them, you may contact our Data Protection Officer using the details above.

3. What are Cookies and Similar Technologies?

Cookies are small files or pieces of information that are stored on or accessed from your device when you visit a website. They allow a website to recognise a device or browser and can perform different functions depending on how they are configured.

In addition to cookies, websites may use similar technologies such as pixels, tags, scripts and other analytical or tracking technologies. These technologies may collect or process information about how a visitor interacts with a website, depending on their purpose and configuration.

Cookies and similar technologies may be session-based, meaning they operate during a browsing session, or persistent, meaning they remain on your device for a specified period or until they are deleted.

PayOak uses different types of cookies and similar technologies for different purposes. Some are necessary for the operation and security of the website, while others are optional and may be used for analytics or marketing purposes.

Where consent is required, PayOak will not activate optional cookies or similar technologies until you have made the relevant choice through our Cookie Preference Centre.

4. How to disable cookies via the Cookie Preference Centre

PayOak uses cookies and similar technologies on its public website for different purposes depending on the type of technology involved.

These purposes include:

• Website operation and security: to support the basic operation, security and functionality of the website.

• Preference management: to remember your cookie and privacy preferences so that the website can respect the choices you have made.

• Analytics and performance: to understand how visitors interact with our website, measure website usage and improve its performance and content.

• Marketing and advertising measurement: to understand interactions with our marketing activities and measure the effectiveness of marketing efforts.

Some of these technologies are necessary for the website to function and remain active by default. Others are optional and are only activated where you have provided the applicable consent through our Cookie Preference Centre.

The specific technologies currently used by PayOak are described in the sections below.

5. Necessary Cookies and Technologies

Necessary cookies and similar technologies are used to support functions that are required for the operation, security and basic functionality of the PayOak website.

These technologies may be used to:

• enable essential website functions;

• support website security and reliability;

• maintain the functionality of the website; and

• remember your cookie and privacy preferences.

Necessary technologies are always active because disabling them may prevent the website or certain essential functions from operating properly.

PayOak does not use the necessary category as a general-purpose category for analytics or marketing tracking. Technologies that are used for optional analytics or marketing purposes are handled separately and are subject to the applicable consent choices described in this Cookie Policy.

The specific cookies or technologies used for necessary purposes may change as the website and its technical infrastructure develop. Where changes introduce a new category of optional tracking, PayOak will update its cookie and consent arrangements accordingly.

6. Analytics Technologies

PayOak uses analytics technologies to understand how visitors interact with its public website, measure website usage and performance, and identify opportunities to improve the website and its content.

PayOak currently uses Google Analytics on its public website for analytics and website measurement purposes. Google Analytics is treated as an optional analytics technology and is controlled through the website's cookie preference mechanism.

PayOak also uses Framer Analytics on its public website. Framer's built-in analytics is designed to operate without cookies or persistent identifiers. Accordingly, the use of Framer Analytics should not be understood to mean that Framer necessarily places an analytics cookie on your device.

Where an analytics technology requires consent, it will not be activated unless you provide the applicable consent through the Cookie Preference Centre.

You may choose to enable or disable optional analytics technologies through the Cookie Preference Centre. If you disable optional analytics technologies, PayOak will not use those consent-dependent technologies for analytics purposes during the period covered by your preference.

Analytics information is used to help PayOak understand website usage and improve the performance, content and user experience of the public website. It is not used to operate the PayOak escrow service or determine your eligibility to use PayOak.

7. Marketing Technologies

PayOak may use marketing and advertising technologies on its public website to understand interactions with our marketing activities and to measure the effectiveness of our marketing efforts.

PayOak currently uses Meta Pixel on its public website for marketing and advertising measurement purposes.

Meta Pixel is treated as an optional marketing technology. It is not required for the operation or security of the PayOak website and will not be activated unless you provide the applicable consent through the Cookie Preference Centre.

If you choose to disable marketing technologies, PayOak will not activate Meta Pixel for the purposes described above during the period covered by your preference.

PayOak may introduce additional marketing technologies in the future. Where a new technology requires consent, it will be incorporated into the appropriate consent category before it is used for optional tracking purposes.

8. Third-Party Technologies

Some cookies and similar technologies used on the PayOak website may be provided or operated by third parties. These technologies may allow the relevant third party to process information relating to your interaction with the PayOak website for the purposes described in this Cookie Policy.

Third-party technologies currently used on the public PayOak website include technologies provided by Google, Meta and Framer in connection with analytics, marketing and website functionality.

The use of third-party technologies is subject to the applicable consent requirements described in this Cookie Policy. Where consent is required, PayOak's cookie preference mechanism is used to control the relevant optional technology.

Third-party providers may process information in accordance with their own privacy policies and terms. PayOak does not control the privacy practices of third parties outside the processing arrangements applicable to the services they provide to PayOak.

Where third-party processing involves the transfer or processing of personal data outside Nigeria, the relevant processing will also be subject to the applicable requirements described in PayOak's Privacy Notice.

9. Your Cookie Choices and Consent

When you first visit the PayOak website, you will be presented with our Cookie Preference mechanism, which allows you to make choices about optional cookies and similar technologies.

You may: Accept optional cookies and similar technologies; Reject optional cookies and similar technologies; or Manage Preferences and choose which optional categories you wish to enable.

The available categories are:

• Necessary — These technologies are required for the operation, security and basic functionality of the website and are always active.

• Analytics — These technologies are used to understand website usage and performance. Consent-dependent analytics technologies, including Google Analytics, are activated only where you have selected the applicable analytics preference.

• Marketing — These technologies are used for marketing and advertising measurement. Technologies such as Meta Pixel are activated only where you have selected the applicable marketing preference.

If you select Reject, necessary technologies will remain active, while optional analytics and marketing technologies controlled by the consent mechanism will remain inactive.

If you select Accept, the optional categories covered by that choice will be activated in accordance with this Cookie Policy.

If you select Manage Preferences, you can choose your preferences for the available optional categories individually and save your choices.

Your cookie preference is stored so that PayOak can respect the choice you have made. You can revisit and change your preferences at any time through the Cookies Settings or equivalent cookie preference link available on the website.

Where consent is required for a particular cookie or similar technology, PayOak will not rely on continued browsing or use of the website as a substitute for your consent.

10. Changing or Withdrawing Your Preferences

You can change your cookie preferences at any time.

To review or change your choices, use the Cookies Settings or equivalent cookie preference link available on the PayOak website. The preference centre allows you to enable or disable available optional categories, such as Analytics and Marketing.

If you previously consented to an optional category and later disable it, PayOak will apply your updated preference to the relevant consent-dependent technologies going forward.

You may also withdraw your consent to optional cookies and similar technologies at any time. Withdrawing consent does not affect the lawfulness of processing that took place before your withdrawal.

Necessary cookies and technologies cannot be disabled through the preference centre where they are required for the basic operation, security or functionality of the website.

11. Browser Cookie Controls

In addition to the controls provided through PayOak's Cookie Preference Centre, you may also manage cookies through the settings of your web browser.

Most browsers allow you to view, delete, block or restrict cookies through their privacy or security settings. The options available vary depending on the browser and device you use.

If you choose to block or delete cookies through your browser, some website functions may not operate as intended, particularly where necessary cookies or technologies are required for the website to function properly.

Browser controls operate separately from PayOak's Cookie Preference Centre. Where available, we recommend using the PayOak Cookie Preference Centre to manage your choices about optional analytics and marketing technologies.

12. How Long Cookies and Similar Technologies Remain

Cookies and similar technologies may remain active for different periods depending on their purpose and configuration.

Some technologies are session-based and operate only during your browsing session. These may cease to operate or be deleted when the relevant session or browser activity ends.

Other technologies may be persistent and remain on your device for a specified period or until they are deleted or otherwise expire.

The period for which a particular cookie or similar technology remains active may depend on the provider, its purpose, your browser settings and other technical factors.

PayOak does not use a single retention period for all cookies or similar technologies. Where specific cookie or technology durations are relevant to a particular implementation, they may be maintained in PayOak's internal cookie and tracking inventory and reviewed when the relevant technology or configuration changes.

You can also delete or manage cookies through your browser settings, as described in Section 11.

13. International Processing

Some third-party providers that support PayOak's website and related technologies may process information outside Nigeria.

Where cookies or similar technologies involve the processing of personal data by third-party providers outside Nigeria, PayOak will apply the safeguards and requirements applicable to international transfers and cross-border processing under Nigerian data protection law.

Further information about PayOak's approach to international transfers and the safeguards applicable to personal data is provided in our Privacy Notice.

PayOak does not represent that all information processed through cookies or similar technologies will remain within Nigeria.

14. Changes to this Cookie Policy

We may update this Cookie Policy from time to time to reflect changes to the cookies and similar technologies used on our website, the purposes for which those technologies are used, our website, products or services, applicable data protection laws or regulatory requirements, or our privacy and security practices.

When we make changes, we will update the Last Updated date shown at the beginning of this Cookie Policy.

Where a change materially affects your rights or choices, PayOak will provide any additional notice or obtain any consent required by applicable law.

We encourage you to review this Cookie Policy periodically so that you remain informed about how we use cookies and similar technologies.

15. Contact Us

If you have questions about this Cookie Policy, our use of cookies or similar technologies, or your cookie preferences, you may contact us using the details below:

Stonebridge Technologies Limited, Trading as PayOak

Registered Address: 279 Herbert Macaulay Way, Sabo-Yaba, Lagos, Nigeria

Data Protection Officer: Oluwanifemi Famuyiwa

Privacy / DPO Email: nifemi@payoak.net

Support Email: support@payoak.net

If your enquiry concerns the processing of personal data associated with cookies or similar technologies, you may contact our Data Protection Officer directly.

You may also exercise your applicable data protection rights or raise a privacy complaint in accordance with the process described in our Privacy Notice.