Cookie Policy

Lastly updated on May 2025

1. OVERVIEW.

This Cookie Policy (this “Policy”) explains the methods and reasons for the collection of your personal data through cookies placed on your device upon accessing our services online, including our website. It details the categories of cookies we utilize, their purpose, and the choices available to you regarding cookie management. As stipulated by the General Data Protection Regulations (“GDPR”), and other applicable laws, Fintopio Wallet Ltd (“Fintopio”)  is designated as the Data Controller of the personal data acquired via cookies on this website, under the terms described in this policy.

2. WHAT IS A COOKIE ?

Cookies, which are small text files, are placed on your computer or electronic devices by your browser. These cookies are commonly used to collect statistical data and analyse user interaction patterns with a website. In essence, cookies are concise, text-based formats that have been specifically created to preserve specific user-related information on users' devices throughout the duration of a visit to a website. 

It is imperative to emphasise that cookies are incapable of executing programmes or introducing viruses to your computer. Our utilisation of cookies is intended to collect information such as IP addresses, the type of operating system and browser being utilised, browser language, search history, as well as data pertaining to the display of advertisements and user interactions with said advertisements. 

3. PURPOSE OF COOKIES.

The adoption of cookies is employed to enhance your experience, gather data for website performance analytics, offer personalised content, and remember your preferences on subsequent visits. At Fintopio, we employ the use of cookies and various other similar technologies (collectively referred to as "Cookies'') to improve your use of our website and other Fintopio platforms, thereby enhancing your overall user experience.

4. COOKIE TYPES AND PURPOSES OF USE.

1. Cookies by Duration.

1. Session cookies: The purpose of session cookies, which are also referred to as ephemeral cookies, is to maintain session continuity. Session cookies are transient in nature, serving only during a user's visit to a given website before terminating when the browser is closed. The primary objective of employing these cookies is to guarantee the uninterrupted operation of the website throughout your visit.

2. Persistent cookies: Persistent cookies are utilised to enhance the website's functionality and deliver a more rapid and superior user experience. These cookie varieties are implemented to retain information regarding the preferences of site visitors. They are downloaded onto users’ devices via web browsers and remain in place until a specified date or until the user deletes them.

2. Cookies by Purposes of Use.

1. Strictly necessary cookies (mandatory cookies): These cookies are essential to the smooth operation of our website and your ability to take advantage of all its features and services. These cookies don't identify you and are only used for security and authentication purposes. They aren't used for any kind of marketing. These cookies are required to provide you with the information society service you have requested (such remembering your privacy choices, completing forms, and logging in). All or some of the services and features may stop working if these cookies are disabled.

2. Functionality cookies: For a more tailored online experience, functionality cookies enable us to retain decisions you have made in the past on our website (such as your username, the location you are in, or the language you speak). If you disable these cookies, some features might not be used especially for you, and it won't be able to remember your preferences. 

3. Performance cookies: These are the cookies that make it possible to measure statistics and examine how people use websites. These cookies gather data about how users navigate our website, the pages they view, and the links they click, which aids in our understanding of how users engage with it. These cookies do not reveal your identity; all information is gathered and combined in an anonymous manner.

We employ performance cookies, predominantly Google Analytics cookies, to gather data on how users interact with our website. This includes information such as clicked webpage sections, number of pages visited, session durations, and any encountered error messages, aimed at enhancing our website and enhancing user experience. For further details on Google Analytics, please click here. 

If you would like more information about the privacy policy of the Google Analytics’ service, please click here. 

It is of utmost importance to acknowledge that we have diligently configured the services of Google Analytics in a manner that ensures the prevention of your identification by employing the technique of masking the IP address of any user who engages in browsing our website.

4. Advertising/Marketing cookies: These cookies can be used to identify content that is close to you and your interests, to promote products and offer campaigns tailored to you, to show personalized ads, to measure the effectiveness of advertising campaigns, as well as to limit the number of times an ad is displayed to you.

When navigating our website, it's possible that certain cookies/pixels may be deposited onto your device, which are then utilized by third parties with authorization for advertising purposes. This occurrence typically arises when the website you're visiting incorporates content sourced from a third-party site, or when you interact with sharing features on our platform, resulting in your device receiving cookies from said third party. Third parties are social media providers such as Meta, YouTube, and X, which offer services to both our users and us. These cookies facilitate the collection and storage of information, including user preferences and visited pages, for advertising purposes or the enhancement of services.

It is important to note that our company does not have control over the cookies implemented by third-party entities; therefore, we cannot accept responsibility for any potential harm caused by this. We suggest reviewing the cookie policies of the aforementioned third-party websites for more information.

• Meta

• X

• Youtube

Please be advised that our website utilizes the Google AdWords service for remarketing purposes. However, it's important to note that we do not have direct control over these cookies, and therefore, we cannot be held liable for their use. Should you wish to prevent the use of such cookies, we recommend disabling them via the following link: http://www.google.com/settings/ads.

5. COOKIES BY PARTIES.

1. First party cookies: It is installed on the devices of visitors by the website they are accessing. Cookies from first parties are those that are specified by the site you are accessing and are accessible only to that website.

2. Third party cookies: Cookies that are set by third parties are utilised by other companies to provide various services.

6. WHAT COOKIES DO WE USE AND HOW LONG DO WE STORE THEM?

Cookie NamePurpose of the CookieCookie TypeStorage PeriodStrictly necessary cookiesThese cookies are essential for the website to function and cannot be turned off in our systems. These are usually only set in response to actions taken by the user that amount to a request for services, such as setting privacy preferences, logging in, or filling out forms. Your browser can be set to block or warn you about these cookies, but some parts of the site will then not work. These cookies are personally identifiable and do not store any information.First Party and Third-Party CookieIt is stored for 365 days.Performance cookiesThese cookies allow us to track visits and traffic sources so that we can measure and improve the performance of the website. They help know which pages are most and least popular and see how visitors move around the site. All information collected by these cookies is aggregated and therefore anonymous. If these cookies are not allowed, it will not be possible to know when the site is visited, and its performance cannot be monitored.Third-Party CookieIt is stored for 365 days.Functionality cookiesThese cookies enable the website to provide enhanced functionality and personalization. It may be determined by us or by third-party providers whose services we have added to our pages. If these cookies are not allowed, some or all of these services may not function properly.Third-Party CookieIt is stored for 364 days.Target cookiesTargeting cookies may be set by us and our advertising partners through the website. First parties and third parties may use these cookies to create a profile of your interests based on the browsing information they collect from you, by uniquely identifying your browser and terminal equipment to you. If these cookies are not allowed, you will still see basic advertising in your browser that is generic and not based on your interests.Third-Party CookieIt is stored for 365 days.

7. YOUR CONTROL OVER COOKIES.

You have the right to accept or decline cookies by clicking the Cookie Settings link at the bottom of every page on our website. Most web browsers automatically accept cookies, but you can always modify your browser setting to decline cookies if you prefer.

8. HOW TO DISABLE COOKIES AND CHANGE COOKIE PREFERENCES?

You can alter your cookie preferences by withdrawing your explicit consent at any time via our website's Cookie Settings. Toggle the on or off buttons on the cookie banner as desired, and then click the "Confirm my Choices" button. Refresh the page to activate your changes. Furthermore, browser settings allow for partial management. The links below provide information on cookie management in commonly used browsers:

• Microsoft Internet Explorer: https://support.microsoft.com/enus/kb/278835/it

• Google Chrome: https://support.google.com/accounts/answer/61416?hl=tr

• Mozilla Firefox: https://support.mozilla.org/it/kb/Eliminare%20i%20cookie

• Apple Safari: https://support.apple.com/it-it/HT201265

• Opera: https://help.opera.com/en/latest/web-preferences

Revisiting Your Cookie Preferences: 

We recognise the significance of retaining the ability to modify your cookie preferences in response to evolving privacy concerns. We have included a 'Cookie Settings' link at the bottom of each page of our website to facilitate this. You can effortlessly reestablish the cookie banner by clicking on this link, providing you with the ability to assess and modify your choices at any given moment. Our inclusion of this function signifies our dedication to granting you complete authority over the data gathered throughout your engagements with our website.

9. DATA CONTROLLER RESPONSIBILITIES.

As the Data Controller, Fintopio is responsible for securely handling your data, ensuring its confidentiality, and using it solely for the purposes outlined herein.

Fintopio Wallet Ltd

License No: 07010545

Registered Address: Office A, RAK DAO Business Centre, RAK BANK ROC Office, Ground Floor, Al Rifaa, Sheikh Mohammed Bin Zayed Road, Ras Al Khaimah, UAE