Cookie Policy

1. Introduction

This Cookie Policy explains how FinStitch Limited (“FinStitch”, “we”, “our” or “us”) uses cookies and similar technologies. Cookies help us provide a secure and reliable experience, remember your preferences, improve our Services and understand how our platform is used. Please read this alongside our Privacy Policy.

2. What are cookies?

Cookies are small text files stored on your device when you visit a website. They let a site recognise your browser, remember information between visits, and improve your experience. Cookies may be set by FinStitch or by trusted third-party providers acting on our behalf.

3. Why we use cookies

• Keep you securely signed in.
• Protect your account from unauthorised access.
• Remember your preferences and settings.
• Improve website performance and diagnose technical issues.
• Understand how visitors use our Services.
• Comply with legal and regulatory requirements.

We do not use cookies to sell your personal information.

4. Types of cookies we use

Strictly necessary cookies

These are essential to operate the Services and cannot be disabled. They enable core functionality such as user authentication, session management, security protections, fraud prevention, account verification, secure navigation and Open Banking authentication flows. Without them, parts of the Services would not work.

Functional cookies

These remember choices you make and provide enhanced functionality — such as your theme preference (light/dark), currency selection, interface settings and cookie preferences. They improve your experience but are not essential for basic functionality.

Analytics cookies

These help us understand how visitors interact with our website and Services — for example pages visited, navigation paths, device and browser type, and general location (such as country or region). Where required by law, analytics cookies are used only with your consent, and the information is generally aggregated and anonymised where possible.

Performance cookies

These help us measure and improve the speed, reliability and overall performance of our Services, and identify technical issues.

Marketing cookies

FinStitch does not currently use advertising or marketing cookies. If we introduce them in future, we will update this policy and, where required, obtain your consent before placing them on your device.

5. Third-party cookies

Some cookies may be placed by trusted third-party providers that help us operate the Services — supporting functions such as authentication, website analytics, customer support, and security or performance monitoring. We select providers that are committed to protecting your information and complying with applicable data protection laws.

6. Cookie consent

Where required by applicable law, we will ask for your consent before placing non-essential cookies on your device. You can accept all cookies, reject non-essential cookies, or manage your preferences through our cookie consent banner — and you can change your preferences at any time.

7. Managing cookies

Most browsers let you view, delete, block or configure permissions for cookies. Please note that disabling certain cookies may affect the functionality and performance of the Services — in particular, disabling strictly necessary cookies may prevent you from accessing secure areas of the platform.

8. Similar technologies

In addition to cookies, we may use similar technologies where appropriate, such as browser local storage, to help provide and improve the Services. These are used in accordance with applicable laws and this Cookie Policy.

9. Changes to this policy

We may update this Cookie Policy from time to time to reflect changes to our Services, legal requirements or the technologies we use. When we make material changes, we will update the “last updated” date above and, where required by law, provide additional notice before changes take effect.

10. Contact us

Questions about this Cookie Policy or our use of cookies? For privacy enquiries, email privacy@finstitch.com; for general help, support@finstitch.com.