1. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, smartphone) when you visit a website. They are widely used to make websites work properly, improve performance, and provide information to website owners.

Cookies may be:

• Session cookies: deleted automatically when you close your browser.
• Persistent cookies: stored on your device until they expire or you delete them.
• First-party cookies: placed by us.
• Third-party cookies: placed by other service providers (e.g., analytics, advertising networks).

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2. Why Do We Use Cookies?

We use cookies for the following purposes:

1. Strictly Necessary Cookies
   • Required for the website to function.
   • Examples: remembering your session, security features, enabling login.
   • Without these cookies, our site and services may not function properly.
2. Performance & Analytics Cookies
   • Help us understand how visitors use our website.
   • Collect information such as pages visited, time spent, errors encountered.
   • Used to improve website performance and user experience.
3. Functionality Cookies
   • Remember your preferences and choices.
   • Examples: language selection, region, saved settings.
   • Provide a more personalized experience.
4. Advertising & Targeting Cookies
   • Track your browsing habits to deliver relevant ads.
   • Limit how often you see the same advertisement.
   • Measure effectiveness of marketing campaigns.
   • These are usually third-party cookies.

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3. Third-Party Cookies

We may use trusted third-party services that place cookies on your device, such as:

• Google Analytics / Tag Manager – to analyze site traffic.
• Payment Providers – to process transactions securely.
• Marketing & Social Media Tools – e.g., Facebook Pixel, LinkedIn Insight Tag, OneSignal push notifications.

These providers have their own cookie and privacy policies, which we encourage you to review.

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4. How to Manage or Disable Cookies

You have the right to accept or reject cookies (except strictly necessary ones). You can:

• Adjust your browser settings to block or delete cookies.
• Use our cookie consent banner (if available) to manage preferences.
• Opt out of third-party cookies via their platforms (e.g., Google opt-out tools).

Please note: disabling some cookies may affect the functionality or performance of our website.

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5. Legal Basis for Using Cookies

• For strictly necessary cookies: our legal basis is legitimate interest (ensuring the website works properly).
• For all other cookies: we rely on your consent, which you give via our cookie banner.

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6. Updates to This Cookie Policy

We may update this Cookie Policy from time to time (e.g., if we introduce new cookies or change how we use them). Changes will be posted on this page with an updated “Last updated” date.

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7. Contact Us

If you have questions about this Cookie Policy, please contact us at:

QOAY Fin
Email: legal@qoay.com
Phone: 077845653269

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