Last updated 15 November 2026
Cookie Policy
The cookies and device storage that SubAndWin and VeltPay use, by name, and the ones we don't.
The short version
- We set only the cookies the service needs: to keep you signed in, to protect sign-in, and to remember a referral link.
- No advertising cookies, no analytics cookies and no third-party trackers.
- veltpay.app sets no cookies. The Android app doesn't use cookies for your sign-in.
- You can clear or block cookies in your browser; you then can't stay signed in.
1.About this policy
VeltPay is a financial technology platform owned and operated by Tech Savvy Labs Ltd, with payment processing and virtual accounts powered by licensed financial partners.
This policy covers www.subandwin.com, veltpay.app and the VeltPay app. It explains the small files (cookies) and the storage on your device that we use, and why. It sits beside the Privacy Policy, which covers everything else we do with personal data.
2.The cookies we set
We set only cookies that the service can't work without. Each one is ours (a first-party cookie); none is shared with advertisers.
| Cookie | What it is for | How long it lasts |
|---|---|---|
| sw_session | Keeps you signed in. It can't be read by scripts on the page. | 30 days, or until you sign out |
| sw_signed_in | Lets the page show that you're signed in (your phone number with the middle hidden). It holds nothing that can sign anyone in. | 30 days, or until you sign out |
| sw_orders | Lets the browser that paid for an order see that order and its electricity token without signing in. It can't be read by scripts on the page. | 90 days |
| sw_ref | Remembers the referral code of the link you arrived by, so the person who invited you is credited if you register. | Up to 30 days |
| sw_oauth, sw_oauth_bind | Protect Sign in with Google or Apple against forged requests while you are sent to them and back. | Up to 15 minutes |
| sw_signup | Holds your place while you finish registering after Sign in with Google or Apple. | Up to 30 minutes |
veltpay.app sets no cookies at all. The VeltPay app for Android keeps your sign-in in the phone's encrypted storage, not in cookies. Our own team's admin console uses one more cookie of the same kind (it keeps an administrator signed in); customers never receive it.
3.What we don't use
- No advertising cookies, and no cookies that follow you to other websites.
- No analytics cookies and no third-party trackers or pixels on our pages.
- We don't sell or share cookie data with anyone.
4.Storage on your device
- Your browser's local storage keeps choices you make on this device, such as Day or Night mode, a hidden balance, which notices you have closed, and recent numbers you topped up, so the page opens the way you left it. It stays on your device and isn't sent to advertisers.
- If you turn on notifications, your browser keeps the subscription that lets it receive them. You can turn them off in your browser at any time.
- The installed app keeps a copy of your last screens so it can open quickly and show your receipts without a connection. Signing out clears it.
5.Our payment partners' pages
When you pay by card or sign in with Google or Apple, you are on that company's own page for a moment (Paystack, Google or Apple). They may set their own cookies there, under their own policies. We don't control those cookies and can't read them.
6.Your choices
- Because we set only cookies the service needs, there is no banner asking you to accept optional ones: there aren't any.
- You can delete or block cookies in your browser's settings. If you block ours, you can still read the site, but you can't stay signed in.
- Signing out removes the sign-in cookies from that browser.
If we ever add a cookie that the service doesn't need, we will ask you first and update this page. Questions: support@veltpay.app