Cookie Policy

Cookies are small text files that are stored on your device when you visit a website. They help websites remember your device and information about your visit, such as your preferred language, login status, or settings, making your next visit easier and more secure.

Some cookies are necessary for a website to function properly, or to improve performance, and give you a better experience when you browse our platform, while some are necessary for advertising. These categories of cookies are further covered in details below.

Cookies have different lifespans based on how long they stay on your device. Session cookies are temporary and are automatically deleted from your device when you close your browser. Persistent cookies typically continue to stay on your device until they expire or you delete them.

There are other technologies which are similar to cookies that we may use. These include web beacons such as pixels and tags; local storage, software development kits (SDKs), and device identifiers which function just as cookies to help us see if you performed an action, monitor security and protect against fraud. For simplicity, we refer to all of these technologies as "cookies" throughout this Policy.

Cookies help us provide a secure, reliable, and user-friendly experience. Depending on how you use our Platform, we may use cookies to:

• keep you securely signed in;.
• protect your account from fraud and unauthorized access;
• remember your preferences and settings;
• improve the speed and performance of our Platform;
• understand how visitors use our services so we can improve them;
• measure the effectiveness of our communications and marketing, where permitted by law; and
• comply with legal and regulatory obligations.

Because we operate in the financial services sector, some cookies play an important role in protecting your account and helping us detect suspicious activity. These security-related cookies are essential and cannot be disabled through our cookie preferences.

The information collected via cookies about your use and interaction with our platform includes pages and sections of the platform you interacted with, the date, time, and duration of your interaction, the websites you came from and navigated to, the browser you used, your device information and IP address.

These information typically do identify you on their own, but in the event that they are considered personal data, it is processed in accordance with the applicable laws and the practices under our privacy policy. We urge you to acquaint yourself with the privacy policy and other associated or interacting policies that may be read together with this cookie policy such as our terms of service.

Cookies may be placed directly by us or by third parties. Cookies placed by us are known as first-party cookies and they are mainly used to provide secure access to our Platform and remember your preferences.

There are third-party cookies which are cookies placed by third-party service providers who support our business or partner with us in one way or another. These may be for marketing, customer support, website analytics, or performance monitoring, amongst others.

Each third party is responsible for its own privacy practices, and we encourage you to review their privacy notices where relevant.

4.1 Essential /Necessary Cookies

Our platform requires these cookies to function properly. These are important features such as signing in, secure connections, preventing fraud, and processing transactions, amongst others. We usually set them in response to an action you have taken or to ensure our website runs smoothly and securely.

While we can't switch them off, you can set your browser to block or alert you about them; but if you do block them our website may not work properly.

4.2 Functional Cookies

These cookies are used to remember your preferences and choices whilst using our platform so we can maintain and enhance future experiences. For example, they may remember your preferred language, accessibility settings, regional preferences or other customized features.

Functional cookies may be set by us or by third parties whose services are available on our platform.

4.3 Analytics Cookies

Also known as 'performance cookies', these are used to collect quantitative data such as number of website visits, page traffic locations, and how visitors navigate our platform in order to determine whether certain features are useful or not, or where technical issues may arise.

Where possible, this information is aggregated or anonymized and is used to improve the quality and performance of our services.

4.4 Marketing Cookies

Where you have given your consent, marketing cookies help us understand how our advertising campaigns perform and whether our communications are relevant to users by building a customer profile of you.

These cookies may also help limit how often you see the same advertisement and measure the effectiveness of marketing campaigns because you will get personalized and relevant adverts based on your customer profile.

While we do not use marketing cookies unless permitted by applicable law or with your consent where required, we may use third-party providers to display our adverts on both our platforms and other sites. Therefore, you may see adverts relating to our services on other websites after using our platform even if you do not allow or consent to these cookies, however, the adverts will no longer be personalized or targeted at you in such instances.

When you first visit our Platform, you may be presented with a cookie banner that allows you to choose how non-essential cookies are used.

Depending on your location and applicable law, you may be able to accept all cookies, reject non-essential cookies, or customize your cookie preferences.

You can update or withdraw your consent at any time by selecting the Cookie Preferences or Cookie Settings option available on our Platform.

Please note that withdrawing consent will not affect any processing that took place before your preferences were updated.

Most web browsers also allow you to manage cookies through their settings. Typically, you may be able to view stored cookies, delete existing cookies, block certain cookies, or clear browsing data.

We may update this Cookie Policy from time to time to reflect changes in our services, technology, legal requirements, or business practices.

If we make material changes, we will update the Last Updated date at the top of this Policy. We encourage you to check from time-to-time to take notice of any changes we make.