Cookies and Tracking Technologies

Date: April 2026

We use cookies and similar technologies to collect device and usage data when you access the Service via a web browser or mobile application.

Essential / strictly necessary

Required for the Service to function e.g. session management, security tokens, fraud prevention. Cannot be switched off.

BASIS: Necessary for the Service no consent required under PECR

Analytics and performance

Help us understand how users interact with the Service in aggregate e.g. feature usage, error rates, load times.

BASIS: Consent required in the UK under PECR Regulation 6 and in other opt-in markets

Marketing and personalisation

Used to deliver relevant information about NALA products and services.

BASIS: Consent required opt-in only

Non-essential cookies are only placed with your prior consent. You can manage your cookie preferences at any time through your in-app settings or via our cookie consent banner.

Full cookie notice

For complete details of every cookie we use, its purpose, duration, and provider, see our Cookie Notice: https://nala.money/cookie-notice

UK users — PECR

For users in the United Kingdom, the use of non-essential cookies and similar tracking technologies is governed by the Privacy and Electronic Communications Regulations 2003 (PECR) in addition to the UK GDPR. NALA complies with PECR and will only place non-essential cookies on your device with your prior, freely given consent.

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In the United Kingdom, NALA Payments Ltd is a registered EMD agent of Modulr FS Limited, which is an Electronic Money Institution authorised by the Financial Conduct Authority with firm reference number 900573. Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS). Customer funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011. For more information, please see Modulr’s UK Safeguarding Explanation here.

In the European Union, NALA Payments Netherlands B.V. is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by De Nederlandsche Bank (DNB) as an Electronic Money Institution (relationship number R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

In the United States, Nala Inc. partners with the financial services software company, Sila Inc. (“Sila”) and Priority Technology Holdings Inc. (“Priority Commerce”), either directly or through its subsidiary Finxera, Inc. (NMLS #1168701) and/or its authorized affiliates, contractors and partners (including but not limited to the following Banks: Wells Fargo, N.A., Comerica Bank, Axos Bank, and Western Alliance Bank) to offer you electronic fund transfers and provide you with an account. Nala Inc. is a financial technology company, not a bank.

Mufasa Payments LLC, a subsidiary of Nala Inc., partners with Lead Bank (NMLS #635532) to offer you electronic fund transfers and provide you with an account. Mufasa Payments LLC is a financial technology company, not a bank.

In certain states in the United States where it holds the necessary licenses, money transmission services may be provided by Nala Payments LLC (NMLS: 2530895), a subsidiary of Nala Inc., pursuant to its own state-issued money transmitter licenses and registration as a Money Services Business (MSB) with the United States Treasury Financial Crimes Enforcement Network (MSB: 31000335047569). In such cases, the partnership with Mufasa Payments LLC, Sila Inc. and Lead Bank N.A. may not be utilized or required. The availability of services and regulatory status may vary by geographic location and customer location.

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