Cookie Policy

Last updated 10 August 2026

This Cookie Policy explains how Top Rate Transfer Pty Ltd (ACN 641 161 444), trading as Top Rate Transfer ("we", "us"), uses cookies and similar technologies on topratetransfer.com.au and our other websites (the "Sites"). It should be read together with our Privacy Policy.

What are cookies?
The types we use
Cookies we set (first party)
Third-party services
Your choices
Changes to this policy
Contact

1. What are cookies?

Cookies are small text files placed on your device when you visit a website. We also use similar technologies — localStorage and sessionStorage (browser storage that persists data on your device) and tracking pixels — and this policy covers those too. Where we say "cookies" below, we mean all of these unless stated otherwise.

2. The types we use

Strictly necessary — required for the Sites to work (security, login, fraud prevention, remembering your consent choice). These do not require consent and cannot be switched off.
Functional — remember your preferences (like your country/currency) and power features like live chat. The Sites work without them but less conveniently.
Analytics — help us understand how the Sites are used so we can improve them. Used only with your consent.
Marketing — measure our advertising and show you relevant ads on other platforms. Used only with your consent.

3. Cookies we set (first party)

Cookie	Purpose	Category	Expires
toprate_cookie_consent	Records your cookie consent choice	Strictly necessary	12 months (180 days if you decline)
csrf-token / __Host-csrf-sig	Protect forms and requests against cross-site request forgery	Strictly necessary	24 hours
oidc_*	Keeps you signed in — used only if your browser blocks normal browser storage	Strictly necessary	Up to 30 days
cap_1	Secures a payment session you start from a secure payment link we send you (encrypted; our servers only)	Strictly necessary	15 minutes
tr_send_market / tr_send_country	Detects whether to show you Australian (AUD) or New Zealand (NZD) pricing	Functional	1–24 hours
tr_geo_override	Remembers a country/market you chose manually	Functional	24 hours
trt_attrib	Remembers which ad or link brought you to us, so we can measure our advertising	Marketing	90 days

We also store limited data in your browser's localStorage/sessionStorage: your sign-in session, your consent choice, in-progress form details while you register or use the calculator, and interface preferences (e.g. dark mode, dismissed banners). Session storage is cleared when you close the tab.

4. Third-party services

With your consent (see section 5), the following third parties set cookies or receive data when you use the Sites:

Service	Provider	What it does	Category	Typical cookies
Google Tag Manager	Google LLC (US)	Manages the tags below	Analytics/Marketing container	—
Google Analytics 4	Google LLC (US)	Usage statistics (pages visited, features used)	Analytics	_ga, _ga_* — up to 13 months
Google Ads	Google LLC (US)	Measures ad conversions; remarketing	Marketing	_gcl_au — 90 days
Meta Pixel	Meta Platforms, Inc. (US)	Measures ad conversions from Facebook/Instagram; remarketing	Marketing	_fbp (90 days), _fbc
Chatwoot live chat	Self-hosted by us (Australia)	Powers the support chat widget; remembers your conversation	Functional	Browser storage token

Conversion measurement may include details of a transaction you complete (such as amount, currency and a transaction reference). Google and Meta process data in the United States — see our Privacy Policy for how overseas disclosures are handled.

We self-host our web fonts; visiting the Sites does not send font requests to Google.

5. Your choices

Consent banner. On your first visit you can accept or decline non-essential cookies. If you decline, analytics and marketing cookies are not used. You can change your mind at any time via "Cookie Settings" in the site footer.
Browser controls. You can block or delete cookies in your browser settings. Blocking strictly necessary cookies may break sign-in, payments and security features.
Ad platform controls. You can manage ad personalisation directly with Google and Meta, and opt out of Google Analytics via its browser add-on.
Global Privacy Control / Do Not Track: our Sites do not currently respond to Global Privacy Control (GPC) or Do Not Track (DNT) browser signals. You can manage your choices using the controls above.

6. Changes to this policy

We will update this page when our use of cookies changes and revise the "Last updated" date. Material changes will be flagged on the Sites.

7. Contact

Questions or complaints: admin@topratetransfer.com.au, or via the contact details in our Privacy Policy. If you are unsatisfied with our response you may complain to the Office of the Australian Information Commissioner (oaic.gov.au).