Finom Cookie Policy

Version: 3.0
Last Update: April 2025

This Cookie Policy explains how Finom (“we”, “us”, or “our”) uses cookies and similar technologies on our websites and applications. They help us to enhance your browsing experience by remembering your preferences, analyzing website traffic, and providing personalized content. This policy should be read in conjunction with our Privacy Policy, which provides detailed information about us and how we collect, use, and protect your personal data, as well as your rights regarding that data.

What are cookies

Cookies are small text files sent from a website to your computer or mobile device, which enable features and functionality on a website. They are unique to your browser, device or account. Session-based cookies last only while your browser is open and are automatically deleted when you close your browser. Persistent cookies last until you or your browser delete them or until they expire. The time until expiration of the cookie is referred to as the retention period. Finom sets specific retention periods for each cookie type depending on its functions.

Apart from the distinction between Session and Persistent cookies, it’s worthwhile to know that we distinguish essential, analytical & tracking cookies. Essential and analytical cookies are usually Session cookies, whilst tracking cookies are usually persistent. To find out more about cookies, visit this site.

Finom uses the vendor’s services to ensure the due and proper processing of cookies, which are described in more detail below.

Types of Cookies We Use

We use both session-based and persistent cookies. Finom sets and accesses our own cookies on the domains operated by Finom and our group companies or affiliates (collectively, the “Sites”). In addition, we use cookies from third parties like Google Analytics for analytical or advertising purposes. Essential cookies are necessary to make our websites usable. Placing such cookies does not require your consent. Tracking cookies are only activated after you provide your consent via the cookie banner. Some analytical cookies also fall under Essential, but the majority are activated upon consent.

For an overview of all cookies used you can make a request by email to hello@finom.co.

Additionally, Finom uses browser fingerprinting functionality. When cookie consent is given on one of Finom’s domains, we use your browser’s fingerprint to apply the cookies you selected to Finom’s other domains. This fingerprint contains browser attributes (for example, IP, browser version) and is stored for a period of 2 weeks. After that the fingerprint is deleted.

Finom closely follows the developments in the Privacy-related laws and regulations. When we make any changes we will update this Cookie Policy accordingly. You can always find the latest version on our Sites or in the Finom app.

How we use cookies

Some cookies are associated with your Finom account and personal information in order to remember that you are logged in. Other cookies are not tied to your Finom account but are unique and allow us to carry out analytics and customisation.

Cookies can be used to recognise you when you visit a Site or interact via a service we use on our Sites. These cookies remember your preferences and provide a personalized experience that’s consistent with your settings. Cookies can be necessary to create a secure or faster experience when visiting our Sites.

Categories of Use
Description
Authentication
If you're signed in to our Services, cookies help us show you the right information and personalize your experience.
Security
We use cookies to enable and support our security features. They help us detect malicious activity and protect your account as well as the Finom community as a whole.
Preferences, features and services
Cookies help us show you our Sites in the language you prefer and show you content relevant for your country. They can help you fill out forms on our Sites more easily. They also provide you with features, insights, and customized content.
Marketing
We may use cookies to help us deliver marketing campaigns and track their performance (e.g., how you use our referral program or other new features). They also help us understand the feedback you provide us via such features as NPS. Marketing cookies are limited to Finom Sites only.
Performance, Analytics and Research
Cookies help us learn how well our Sites and Services perform. We also use cookies to understand, improve, and research products, features, and services, including to create logs and record when you access our Sites and Services from different devices. These cookies are limited to Finom Sites only.

Third Party Processors

Finom carefully selected partners, and service providers may process personal information about you on Finom’s behalf as described below:

Digital Marketing Service Providers: Finom periodically appoints digital marketing agents to conduct marketing activity on Finom’s behalf, such activity may result in the compliant processing of personal information.

Finom’s appointed data processors include Prospect Global Ltd (trading as Sopro) Reg. UK Co. 09648733 at 1st Floor Front Office, 27-29 North St, Brighton, BN1 1EB, United Kingdom. You can contact Sopro and view their privacy policy here: http://sopro.io.

Sopro are registered with the ICO Reg: ZA346877, and their Data Protection Officer can be emailed at: dpo@sopro.io.

How are your cookies associated with Finom’s vendor?

Finom has implemented cookies associated with its trusted vendor Hotjar Ltd. (official website: www.hotjar.com), that is a product experience insights platform that gives Finom behavior analytics and feedback data (“vendor”).

These cookies serve various purposes, in particular:

  1. to improve site functionality;
  2. to analyze user behavior; and
  3. to provide a more personalized experience.

Finom and its vendor have implemented enhanced measures to safeguard users’ data. This Cookie Policy ensures that user’s privacy and security remain Finom’s top priorities.

Finom understands the importance of safeguarding the user’s data and ensuring its privacy. In the course of its operations, Finom may collect and process information through the use of cookies. However, Finom wants to reassure its users that all user data collected by Finom’s services is anonymized, ensuring that no personally identifiable information is disclosed. Finom is committed to maintaining the privacy and confidentiality of user information.

Finom employs robust anonymization techniques through its vendor to ensure that any data collected through cookies is stripped of personally identifiable information. The vendor’s team, as well as any third parties the vendor engages with, is granted access only to anonymized data. At no point do they seek, process, or store information that could be used to identify Finom’s users without their explicit consent.

By using Finom’s Sites, the users consent to the use of cookies set by Finom’s vendor.

By using Finom’s services and agreeing to Finom’s Cookie Policy, the user acknowledges and accepts Finom’s practices regarding data anonymization.

In case of any concerns and/or questions regarding the Finom’s vendor and its operations and/or activities, please contact us at hello@finom.co to ensure our user’s transparency about the information the vendor collects and how it is used.

More information about the users’ cookies that the vendor processes, the user(s) can find at the following link:
https://help.hotjar.com/hc/en-us/articles/6952777582999-Cookies-Set-by-the-Hotjar-Tracking-Code

Which cookies does Finom process through its vendor?

The following cookies, local and session storage items apply when the vendor’s Tracking Code has been loaded and ensure the Tracking Code functions correctly.

Tracking Code cookies are created via a script that is executed from the host domain, making them first-party cookies.

Tracking Code cookies are set on a visitor’s browser when they visit a website that loads the Tracking Code.

These cookies allow the Tracking Code to function correctly.

Apart from cookies, the Tracking Code uses local and session storage as well.

In order for the vendor’s features and tools to function correctly, all the items below should be allowed:

  1. hjSessionUser{site_id}

    • Type: Cookie
    • Description: Set when a user first lands on a page. Persists the User ID unique to that site, ensuring data continuity across visits. Duration: 365 days. Data type: JSON.

  2. _hjid

    • Type: Cookie
    • Description: An old cookie no longer set but may be reused if unexpired. Persists the User ID unique to the site. Duration: 365 days. Data type: UUID.

  3. _hjHasCachedUserAttributes

    • Type: Cookie
    • Description: Enables us to verify the up-to-dateness of data in _hjUserAttributes Local Storage. Session duration. Data type: Boolean (true/false).

  4. _hjUserAttributesHash

    • Type: Cookie
    • Description: Enables tracking of User Attribute changes. Duration: 2 minutes, extended every 30 seconds. Data type: Content hash.

  5. _hjUserAttributes

    • Type: Local storage item
    • Description: Stores User Attributes sent through the Identify API. No explicit expiration. Data type: Base64 encoded JSON.

  6. hjViewportId

    • Type: Session storage item
    • Description: Stores user viewport details such as size and dimensions. Session duration. Data type: UUID.

  7. hjActiveViewportIds

    • Type: Local storage item
    • Description: Stores user active viewport IDs. Session duration. Data type: JSON.

  8. hjSession{site_id}

    • Type: Cookie
    • Description: Holds current session data, ensuring continuity in requests within the session window. Duration: 30 minutes, extended on user activity. Data type: JSON.

  9. _hjCookieTest

    • Type: Cookie
    • Description: Checks if the Tracking Code can use cookies. Deleted almost immediately. Duration: Under 100ms, cookie expiration set to session duration. Data type: Boolean (true/false).

  10. _hjLocalStorageTest

    • Type: Cookie
    • Description: Checks if the Tracking Code can use Local Storage. Deleted almost immediately. Duration: Under 100ms. Data type: Boolean (true/false).

  11. _hjSessionStorageTest

    • Type: Cookie
    • Description: Checks if the Tracking Code can use Session Storage. Deleted almost immediately. Duration: Under 100ms. Data type: Boolean (true/false).

  12. hjIncludedInSessionSample{site_id}

    • Type: Cookie
    • Description: Set to determine if a user is included in the data sampling defined by your site’s daily session limit. Duration: 2 minutes, extended every 30 seconds. Data type: Boolean (true/false).

  13. _hjTLDTest

    • Type: Cookie
    • Description: Tries to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After checking, the cookie is removed. Session duration. Data type: Boolean (true/false).

  14. _hjClosedSurveyInvites

    • Type: Cookie
    • Description: Set when a user interacts with a Link Survey invitation modal. Ensures the same invite does not reappear if shown. Duration: 365 days. List of Survey IDs, URL encoded.

  15. _hjDonePolls

    • Type: Cookie
    • Description: Set when a user completes an on-site Survey. Ensures the same Survey does not reappear. Duration: 365 days. List of Survey IDs, URL encoded.

  16. _hjMinimizedPolls

    • Type: Cookie
    • Description: Set when a user minimizes an on-site Survey. Ensures the Survey stays minimized during navigation. Duration: 365 days. List of Survey IDs, URL encoded.

  17. _hjShownFeedbackMessage

    • Type: Cookie
    • Description: Set when a user minimizes or completes a Feedback widget. Ensures the Feedback widget loads as minimized on subsequent visits. Duration: One day. Data type: Boolean (true/false).

Third Party Cookies

We use third-party cookies on our Sites for various purposes, including analytics, marketing, and enhancing user experience. We prioritize privacy and use the most privacy-friendly options available. For example, we use Google Analytics for analytical purposes and may employ other Google services for advertising.

When you consent to the use of cookies on our Sites, you are also consenting to the processing of your data by Google in accordance with their policies. We use Google services, including Google Analytics, which may involve the collection and use of your personal data.

We use Google Analytics to analyze website traffic and user behavior. Google Analytics collects information such as your IP address, browser type, and browsing patterns. This information is used to generate reports that help us improve our Sites and services.

Specifically, Google may use your data for:

For detailed information on how Google uses your data, please refer to Google’s Business Data Responsibility Site: https://business.safety.google/privacy/.

By accepting cookies on our Sites, you acknowledge and agree to Google’s data processing practices as described in their policies.

How are cookies used for advertising purposes

Cookies (and other Ad technology such as beacons, pixels, and tags) help us market more effectively to users that we and our partners believe may be interested in Finom. That’s why they are commonly referred to as Marketing cookies. They also help provide us with aggregated auditing, research, and reporting, and know when content has been shown to you. These cookies are limited to our Sites and are not used in our Services.

What you can do to block or remove cookies

To use our site, we need to activate certain functional or analytical cookies. For Analytical and Marketing cookies we ask your prior consent when you first visit our website. You can choose to disable all or specific Cookies by selecting either “Continue without accepting” or “Manage Cookies” in our Cookie Pop-up when you first visit our Sites.

Next to that, nearly all web browsers give you the ability to manage cookies. In some browsers you can set up rules to manage cookies on a site-by-site basis, giving you more fine-grained control over your privacy. To enable this, please review your browser documentation.

Additionally, if you want to opt out of Google Analytics cookies, you can use the browser add-on offered by Google. Please check compatibility with the browser of your choice before installing it. You can find the instructions here: https://tools.google.com/dlpage/gaoptout.

Please note: if you limit the ability of websites and applications to set cookies, you may experience a diminished user experience and/or loss of access to our Services, since it will no longer be personalized to you. It may also stop you from saving customized settings, like login information.

Does Finom respond to Do Not Track Signals?

Our Sites and Services do not collect personal information about your online activities over time and across third-party websites or online services. Therefore, “do not track” signals transmitted from web browsers do not apply to our Sites or Services, and we do not alter any of our data collection and use practices upon receipt of such a signal. Finom only places cookies in accordance with this Policy and the preferences you indicate via our cookie banner.