1. Introduction to Cookies and Their Use on Our Websites

1.1 Purpose and Consent Welcome to the digital presence of Finage Ltd. ("Finage," "we," "us," or "our"). Our websites, https://finage.co.uk and https:// moon.finage.co.uk, along with any associated services, utilize cookies and similar technologies. This Cookie Policy aims to inform you about our practices around these technologies. By accessing and using our Websites, you consent to our use of cookies in accordance with this policy.

1.2 Understanding Cookies Cookies are small text files stored on your device by websites you visit. They are designed to hold a modest amount of data specific to a particular client and website. Cookies play a crucial role in enhancing and enabling usability and processes across the internet. Their functions range from simple website navigation facilitation to provision of complex security solutions and integration of multimedia content.

1.3 Why We Use Cookies Our use of cookies aims to improve your browsing experience by: • Ensuring efficient navigation through our Websites, • Remembering your preferences and settings for future visits, • Analyzing how our Websites are used to make necessary improvements, • Offering personalized content, and • Facilitating our advertising and marketing efforts.

2. Types of Cookies Employed on Our Websites

2.1 Essential Cookies These cookies are fundamental for our Websites to function correctly. They enable basic functionalities like page navigation and access to secure areas. Without these cookies, our Websites cannot operate efficiently.

2.2 Performance and Analytics Cookies Employed to gather data on how visitors interact with our Websites. This information, collected anonymously, helps us understand visitor behavior, enabling us to enhance user experience and performance of our Websites.

2.3 Functional Cookies Functional cookies allow our Websites to remember choices you make (such as your user name, language, or the region you are in) and provide enhanced, more personal features.

2.4 Advertising Cookies These cookies are used to deliver advertisements more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign.

3. Third-Party Cookies

3.1 Collaboration with Third Parties Our Websites leverage various third-party services, which may set cookies on your device. These services are utilized for diverse purposes, including analytics, advertising, and content delivery.

3.2 Managing Third-Party Cookies It's important to note that third-party cookies are subject to the privacy policies and cookie policies of the third parties setting them. We encourage you to review these policies to understand their practices. This initial section of our extended Cookie Policy aims to provide a foundational understanding of our use of cookies and the types of cookies utilized across our Websites. Ensuring you are informed is our priority, as is offering control over your digital footprint while engaging with Finage Ltd.

4.Managing and Controlling Cookies

4.1 User Preferences and Consent Management Recognizing the importance of consent and personal preferences, Finage Ltd. has implemented a robust Cookie Consent Manager. This tool empowers you to manage your cookie preferences, allowing you to accept or reject categories of cookies beyond those deemed strictly necessary for website operation.

4.2 Navigating the Cookie Consent Manager The Cookie Consent Manager is accessible upon your first visit to our Websites and can be revisited at any time to adjust your preferences. This feature categorizes cookies into essential, performance, functional, and advertising, providing you with the option to select which categories you are comfortable with.

4.3 Implications of Rejecting Cookies While essential cookies are mandatory for website functionality, you have the discretion to reject non-essential cookies. However, choosing to do so may impact your user experience, limiting access to certain content or functionalities designed to enhance website interaction and personalization.

5. Adjusting Browser Settings

5.1 Browser Cookie Controls Beyond our Cookie Consent Manager, most web browsers offer control over cookies through their settings. These controls allow you to refuse cookies and to delete cookies already stored on your device.

5.2 Browser-Specific Instructions Given variations across browsers, it is recommended to consult your browser's help documentation for detailed instructions on managing cookie settings. This proactive step ensures your cookie preferences are respected across all websites you visit.

6. Cookies and Targeted Advertising

6.1 Interest-Based Advertising Finage Ltd. and our advertising partners may use cookies to collect information that assists in delivering advertising aligned with your interests. This process, often referred to as "targeted advertising," enhances the relevance of ads you see online.

6.2 Opting Out of Targeted Advertising For those who prefer not to receive targeted advertising, options are available. Visiting websites such as http://www.aboutads.info/ choices/ or http://www.youronlinechoices.com provides mechanisms to opt out from targeted advertising by participating companies.

7. Additional Tracking Technologies

7.1 Web Beacons and Similar Technologies In addition to cookies, our Websites may employ web beacons and similar technologies. These tools help us understand user behavior by tracking engagement with our content and emails, facilitating analytics, and enhancing site performance.

7.2 Functionality and Consent As with cookies, the functionality of these tracking technologies may rely on your consent through our Cookie Consent Manager or your browser settings. Choosing to limit these technologies may affect the fullness of your experience on our Websites. This segment of our extended Cookie Policy aims to provide you with comprehensive insights into managing your cookie preferences and the broader scope of tracking technologies we employ. By offering tools and guidance, we strive to put you in control of your digital experience with Finage Ltd.

8. Specific Types of Cookies Utilized

8.1 Essential Cookies These cookies are critical for the functionality and performance of our Websites. They enable basic functions such as page navigation, access to secure areas, and the processing of e-commerce transactions. Without these cookies, our Websites would not operate efficiently or possibly not at all.

8.2 Performance and Analytics Cookies We use performance cookies to collect information about how visitors interact with our Websites. This includes data like the most visited pages, user interaction patterns, and potential error messages encountered. Analytics cookies help us measure and improve the performance of our Websites, ensuring a better user experience.

8.3 Functional Cookies These cookies allow our Websites to provide enhanced functionality and personalization, such as remembering your preferences (language or region) and offering live chat support. If you do not allow these cookies, some or all of these services may not function properly.

8.4 Advertising and Targeting Cookies Advertising cookies are placed on your device by us and our advertising partners. They collect information about your browsing habits and usage patterns to make advertising more relevant to you and your interests. These cookies also help measure the effectiveness of advertising campaigns.

9. Cookie Duration

9.1 Session vs. Persistent Cookies Our use of cookies spans both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device for a set period or until you delete them). The choice between session and persistent cookies allows us to balance between short-term and long-term data processing needs.

9.2 Duration Practices The specific duration of cookies on our Websites can vary. Essential cookies are often session-based for security purposes, while analytics and advertising cookies may be persistent to track trends and patterns over time.

10. Third-Party Cookies

10.1 Partner Networks Our Websites may also host third-party cookies, which are set by domains outside of Finage Ltd. These are used for various purposes defined by our partners, such as social media integrations, third-party service functionality, or targeted advertising beyond our Websites.

10.2 Managing Third-Party Preferences While we aim to be transparent about the third-party cookies utilized, the management and consent of these cookies might require direct engagement with the third-party providers. We encourage users to review the privacy policies and cookie management tools of these third parties for more detailed information.

11. Policy Updates and Revisions

11.1 Commitment to Regular Updates Recognizing the dynamic nature of digital technologies and privacy regulations, Finage Ltd. commits to regularly reviewing and updating our Cookie Policy. This ensures our practices remain aligned with industry standards, regulatory requirements, and our users' expectations.

11.2 Notification of Changes Any significant changes to our Cookie Policy will be communicated through our Websites and, where appropriate, through direct communication channels. We encourage users to review our Cookie Policy periodically to stay informed about our use of cookies and related technologies. This section of our extended Cookie Policy aims to offer detailed insights into the types of cookies we use, their intended purposes, and the mechanisms in place for their management and control. Our goal is to foster transparency and empower you, the user, with the information necessary to make informed decisions about your interaction with our Websites.

12. User Rights and Cookie Management

12.1 User Consent and Preferences Our approach to cookies is rooted in obtaining informed consent from our users. Upon your first visit, a cookie consent banner is displayed, outlining the use of cookies and directing you to this Cookie Policy for more information. You have the opportunity to manage your preferences, either accepting all cookies, rejecting non-essential cookies, or customizing your choices based on cookie categories.

12.2 Modifying Your Cookie Preferences Should you decide to change your preferences after your initial consent, our Websites provide easy access to adjust your settings. This ensures you retain control over your cookie preferences in alignment with your privacy expectations at any time.

12.3 Browser Settings and Tools Beyond our internal tools, you also have the option to control cookies through your web browser settings. Most modern browsers offer advanced settings to block or alert you about cookies from individual sites, as well as the option to block third-party cookies specifically. Consult your browser’s help documentation for detailed instructions on managing cookie settings.

12.4 Opt-Out Tools and Third-Party Management For cookies used for advertising and analytics purposes, several third-party tools and services allow you to opt-out from data collection. Tools like the Digital Advertising Alliance’s Consumer Choice Tool for Web (available at aboutads.info/choices) and the Network Advertising Initiative’s Opt-Out Tool (available at optout.networkadvertising.org) provide mechanisms to opt-out of targeted advertising based on your browsing activity.

13. Additional Information and Resources

13.1 Understanding Cookies and Their Impact For those seeking to deepen their understanding of cookies and their impact on privacy and online experiences, numerous resources are available. Educational websites, privacy advocacy groups, and regulatory bodies offer comprehensive guides on cookies, privacy rights, and how to manage your digital footprint effectively.

13.2 Contacting Finage for Cookie Concerns If you have any questions, concerns, or feedback regarding our use of cookies or this Cookie Policy, we encourage you to reach out to us directly. Our dedicated team is committed to addressing your inquiries and ensuring your satisfaction with how we manage cookies and respect your privacy.

13.3 Regulatory Oversight and Compliance Finage Ltd. actively monitors developments in privacy legislation and regulatory guidance related to cookies and online tracking technologies. Our practices are designed to comply with applicable laws and regulations, including the General Data Protection Regulation (GDPR) in Europe and other regional privacy laws that affect our global user base.

14. Policy Review and Effective Date

14.1 Periodic Review and Updates Our Cookie Policy is subject to periodic review and updates to reflect changes in our practices, technology landscape, or legal requirements. We are committed to maintaining a policy that is both transparent and aligned with best privacy practices.

14.2 Effective Date and Historical Revisions The current version of our Cookie Policy, including its effective date, is always available on our Websites. For transparency, we may also provide access to previous versions of our policy, allowing users to understand how our cookie practices have evolved over time. This Cookie Policy represents Finage Ltd.'s commitment to privacy, transparency, and user empowerment. By offering detailed insights into our cookie practices and management tools, we aim to foster trust and provide a positive user experience across our digital platforms.

15. Understanding Cookie Types

15.1 Essential Cookies These are cookies that are critical for the functioning of our Websites. They help in navigating through our pages and accessing secure areas. Without these cookies, key services, including transactional pages and secure login accounts, would not be possible.

15.2 Performance and Analytics Cookies These cookies collect information about how visitors use a website, for instance, which pages visitors go to most often, and if they get error messages from web pages. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.

15.3 Functionality Cookies These cookies allow our Websites to remember choices you make (such as your user name, language, or the region you are in) and provide enhanced, more personal features. They can also be used to remember changes you have made to text size, fonts, and other parts of web pages that you can customize.

15.4 Targeting or Advertising Cookies These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaigns.

16. Cookie Lifespan

16.1 Session vs Persistent Cookies Our Websites use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device for a set period or until you delete them). The lifespan of cookies we use varies depending on the purpose of the cookie. Typically, our persistent cookies are set to expire between 30 days and two years from the date they are downloaded to your device.

16.2 Managing Cookie Lifespan You have control over your cookie settings and can delete persistent cookies through your browser settings at any time. This section may influence your decision to keep certain cookies active for their full lifespan or manage them more closely based on your privacy preferences.

17. Third-Party Cookies

17.1 Partnerships with Third Parties for Enhanced Services We partner with third-party services that may set cookies on your device on our behalf when you visit our Websites to allow them to deliver the services they are providing. When you visit our Websites you may receive cookies from third party websites or domains. We strive to identify these cookies before they are used so that you can decide whether you wish to accept them.

17.2 Control Over Third-Party Cookies You can configure your browser to reject third-party cookies. Additionally, third-party websites have their own cookie and privacy policies, which we encourage you to review to understand their practices and your control options.

18. Consent and Changes to Cookie Preferences

18.1 Initial Consent and Ongoing Management Upon your first visit to our Websites, you will be prompted to consent to our use of cookies according to your preferences. You can change your cookie preferences at any time through our Cookie Consent Manager or your browser settings, giving you flexibility and control over your privacy.

18.2 Impact of Disabling Cookies It’s important to note that disabling cookies may affect the functionality of our Websites and the services we are able to offer. Essential cookies cannot be rejected as they are strictly necessary to provide you with the requested services.

19. Further Information and Support

19.1 Contact Us for More Information For further information about our cookie practices or to ask any questions, please contact us directly. We are committed to providing clarity and support regarding our use of cookies to all our users.

19.2 Educational Resources We believe in empowering our users with knowledge about cookies and online privacy. We encourage exploring reputable sources and educational materials to further understand cookies' role in the digital environment and how they impact your online experience. This Cookie Policy is part of our broader commitment to transparency and privacy protection at Finage Ltd. We are dedicated to ensuring that our users have the necessary tools and information to make informed decisions about their privacy and online experience with us.

20. Updates to Our Cookie Policy

20.1 Periodic Revisions We may update this Cookie Policy from time to time to reflect changes in our practices, technology, legal requirements, and other factors. We encourage you to review our Cookie Policy periodically to stay informed about our use of cookies and related technologies.

20.2 Notification of Changes If we make significant changes to our Cookie Policy, we will notify you through a prominent notice on our Websites or by directly sending you a notification. We will also update the "Last Updated" date at the top of the Cookie Policy. Your continued use of our Websites after we make changes is deemed to be acceptance of those changes.

21. Your Rights Under Privacy Laws

21.1 Data Protection Rights Depending on your location, you may have certain rights under applicable data protection laws. These may include the right to access, correct, delete, or restrict the use of your personal data, or object to certain uses of your data.

21.2 Exercising Your Rights If you wish to exercise any of these rights, please contact us using the contact information provided at the end of this policy. We will respond to your request in accordance with applicable data protection laws.

22. How to Contact Us

22.1 Reaching Out for Support or Questions If you have any questions about this Cookie Policy or our use of cookies and other tracking technologies, please contact us at: info@finage.co.uk

22.2 Feedback and Concerns Your feedback is important to us. If you have any concerns about our use of cookies or this Cookie Policy, please reach out, and we will endeavor to address your concerns.

23. Additional Resources and Information

23.1 Learning More About Cookies For more information about cookies and how they are used, we recommend visiting the following resources: • All About Cookies: www.allaboutcookies.org • Network Advertising Initiative: www.networkadvertising.org • Digital Advertising Alliance: www.aboutads.info

23.2 Understanding Online Privacy Online privacy is an evolving landscape. We encourage you to learn more about how you can protect your privacy and control your digital footprint through reputable sources and privacy advocacy organizations. This Cookie Policy is part of our commitment to not only comply with legal requirements but also to foster a transparent and trustworthy environment for our users. We understand the importance of privacy and are dedicated to ensuring the digital integrity and security of all our users.