Finqware uses cookies on its website, which can be accessed at  https://finqware.com/.

By accessing our website, you agree to the use of cookies. Our Cookie Policy explains what cookies are and how we use them on our website.

https://finqware.com/privacy-statement/

Users can granularly choose which types of cookies they accept (necessary, functional, analytical, advertising) through the consent banner displayed upon the first access to the website.

Users can modify their cookie settings at any time by accessing the blue circular button labeled “Consent preferences ”, available in the bottom-left corner of the website. By accessing this button, the consent banner will be reopened, allowing the review and update of preferences or the immediate withdrawal of the granted consent.

Cookie files are small text files sent by a website’s server to a web browser (for example, Chrome, IE, Firefox, Opera), RAM memory, or hard drive at the moment of the initial access to the website, and then stored on the user’s device.

A cookie is a completely passive file (it does not contain software programs, viruses, or spyware and cannot access other information from the user’s hard drive). The files have a simple format, such as “Parameter: Value”.

Their lifespan is predetermined. Some expire when the session (browser) is closed, while others persist for longer periods (up to several tens of days).

From the perspective of their lifespan, there are two categories of cookies:

• Session cookies. These are temporarily stored in the browser’s cookie folder so that it can remember them until the user leaves the website or closes the browser window.
• Persistent/permanent cookies. These types of cookies are stored on the hard drive of the device used to access a website and are not deleted when the browsing session is closed. They are retained and reused each time the user returns to that website, but they can be deleted at any time by the user, as they have predefined validity periods.

From the perspective of the operator placing the cookies, there are:

• first-party cookies, placed by the owner of the visited website
• third-party cookies (cookies placed by third parties), placed by the operator of a website other than the one being visited. These third parties must also comply with the laws in force and the privacy policies of the owner of the website on which they place cookies.

Details regarding the typology and description of all known types of cookies can be found by following this link: https://cookiepedia.co.uk

From the perspective of the purposes for which cookies are placed, there are generally the following categories of cookies: strictly necessary, measurement cookies, cookies for analytics and website performance improvement, and marketing cookies (targeting and advertising).

When you use and access our website, we will place a certain number of cookies in your web browser. We use cookies for the following purposes:

• to ensure that our website functions properly and meets users’ access requirements
• to provide the statistics we need in order to improve the functionalities and content of our website
• to ensure compliance with the regulations in force, issued by regulatory authorities
  for marketing purposes
• certain cookies may be used within KYC (Know Your Customer) processes, in particular to maintain the session, prevent fraud and ensure the integrity of the identity verification flow, in accordance with applicable legal requirements.

The data collected through cookies is anonymous or pseudonymized, and when it may constitute personal data, it is processed in accordance with the Privacy Policy and the Personal Data Protection Policy.

The cookies are stored by our server, which measures the efficiency of the website. Enabling these cookies is not strictly necessary for the website to function, but it may provide you with a better browsing experience. You may delete or block cookies, but doing so may prevent the website from functioning properly.

The information provided by the cookies used by Finqware may be used to personally identify you, and the data we collect through them is fully under our control. These cookies are not used for any purposes other than those described here.

The Finqware website uses session and persistent cookies, as well as first-party and third-party cookies. The website https://finqware.com/ is highly restrictive regarding the use of cookies, which are limited to what is strictly necessary, specifically:

• Necessary cookies [Necessary] – required for navigating our website and allowing the use of the applications integrated into the website. These cookies do not collect information about the user that could lead to personal identification. Without these cookies, certain website functionalities become unavailable. These types of cookies are exempt from the requirement to obtain consent for their placement.
• Functional cookies [Functional] – These cookies help us provide enhanced functionalities and a personalized experience on our website, such as live chat. If you do not allow these cookies, some services may not function properly.
• Analytics and performance cookies [Analytics] – these cookies allow us to analyze how users interact with our website, such as which pages are visited most frequently, which articles or pieces of information are read most often, etc. These cookies are used solely for statistical analysis to improve the content of the website. They also allow us to count visits and traffic sources so that we can measure and improve the website’s performance. This enables us to identify the most popular pages and determine which products and services presented on the website interest visitors. All information collected by these cookies is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when a visit was made from a specific IP address. By using applications such as Google Analytics or Hotjar, we collect anonymous data about website visits, such as viewed pages, duration of viewing, and entry page.
• Session cookies [Other] – these are stored in temporary memory until the web browser is closed; all stored information is deleted when the browsing session ends.

For each category of cookies, users have the possibility to withdraw their consent at any time through their browser settings or through the management tools available on the website.

The Finqware website uses session cookies and cookies for delivering images to visitors and does NOT use cookies to track browsing options, record search queries, or collect other potentially intrusive elements.

Partner websites such as linkedin.com and youtube.com also use advertising cookies [Advertisement].

Advertising cookies [Advertisement] – These cookies are set on the Finqware website based on agreements we have with our advertising partners (for example, social media pages, Google, Microsoft, LinkedIn, YouTube, etc). With the help of these cookies, we and our partners can observe and analyze which types of products on the Finqware website a particular visitor has shown interest in, and during a subsequent visit to the Finqware website or another website, we will display advertising based on the product the visitor previously showed interest in on the Finqware website. This type of promotion is known as targeted advertising. If you do not allow advertising cookies, it does not mean that you will not see advertising on other websites, but rather that the ads displayed will be less relevant to you as an internet user.

If you would like to learn more about how cookies work in relation to online advertising, please consult the website http://www.youronlinechoices.com/ro/.

The tables below present:

Table 1 – Finqware | Open Banking at Work™ – cookies used – Mapping of Domains vs Cookie Types

Table 2 – Finqware | Open Banking at Work™ – cookies used – Sorted by Domain and Type

Table 1 – Finqware | Open Banking at Work™ – cookies used – Mapping of Domains vs Cookie Types

	COOKIES TYPES
DOMAINS	Necessary	Functional	Analytics	Advertisement	Other
finqware.com	X	X	X		X
linkedin.com		X	X	X
youtube.com			X	X	X
youtube-nocookie.com			X
hubspot.com	X

Note: The ‘Other’ category includes cookies that do not fit into the standard categories and are automatically classified by the consent management platform.

Table 2 Finqware | Open Banking at Work™ – cookie-uri folosite – Sortare dupa Domain si Type

For each category of cookies, it is indicated whether they are exempt from consent (e.g. strictly necessary cookies) or require user consent. Strictly necessary cookies are exempt, while functional, analytical and advertising cookies are subject to consent.

• This website uses several tracking codes to analyze visitors’ behavior on the site. These codes do not individually identify website users and are not linked to personal data.

  To provide you with a better online experience, we use the services listed below; however, this list remains open.

  Google Analytics, a traffic analysis service owned by Google, Inc., which also uses cookies. Categories of cookies used include site performance, visitor analytics, retargeting, and advertising cookies. These cookies do not collect personal data and do not personally identify website visitors. They are used to provide you with content tailored to your preferences during your Internet browsing experience.

  To view the Google Analytics Terms of Service, please visit: http://www.google.com/analytics/tos.html

  Google Inc., the provider of the tools used for traffic and performance analysis on https://finqware.com/, is an ISO 27001 certified company in Information Management and Security – https://support.google.com/analytics/answer/3407084?hl=en

  More information about how Google uses this data can be found here.

  Hotjar, a service that records user behavior on the Finqware website. Hotjar may record user actions on web pages, helping us generate relevant insights to improve the experience we offer. You can consult the Hotjar Privacy Policy here: https://www.hotjar.com/legal/policies/privacy

 

Different browsers offer different methods for blocking and deleting cookies used by websites. You can adjust your browser settings to block or delete cookies. Below are links to support documentation on managing and deleting cookies in the major web browsers:

Chrome: https://support.google.com/accounts/answer/32050

Safari: https://support.apple.com/en-in/guide/safari/sfri11471/mac

Firefox: https://support.mozilla.org/en-US/kb/clear-cookies-and-site-data-firefox?redirectslug=delete-cookies-remove-info-websites-stored&redirectlocale=en-US

Internet Explorer: https://support.microsoft.com/en-us/topic/how-to-delete-cookie-files-in-internet-explorer-bca9446f-d873-78de-77ba-d42645fa52fc

The data collected through cookies is transferred to the following recipients: Google Ireland Ltd, Facebook Ireland Ltd, AdForm, TrafficGuard Pty Ltd. The data collected through TrafficGuard Pty Ltd cookies may be transferred outside the European Economic Area, to the United States.

In the case of transfers to third countries (e.g. the United States), Finqware will carry out an additional assessment (Transfer Impact Assessment) and will implement technical and contractual measures to ensure a level of protection equivalent to that required under the GDPR.

Users can granularly choose which types of cookies they accept (necessary, functional, analytical, advertising) through the consent banner displayed upon the first access to the website.

Users can modify their cookie settings at any time by accessing the blue circular button labeled “Consent preferences”, available in the bottom-left corner of the website. By accessing this button, the consent banner will be reopened, allowing the review and update of preferences or the immediate withdrawal of the granted consent.

In general, browsers are set by default to accept cookies, but they offer the possibility to modify this option, usually within the privacy settings section.

You can delete all cookies that are already stored on your computer and configure your browser to prevent their storage. However, if you do this, you will need to manually adjust certain preferences every time you visit a website, and some functionalities and services may not work properly.

There is also the possibility to selectively accept or block cookies for specific websites or domains. Disabling or refusing to receive cookies may make browsing more difficult, and certain websites may even become unusable in some cases.

You can also set your browser to block all types of cookies, including necessary ones. Please note that in such a situation, the websites you visit (including the Finqware website) may not function properly. Deactivating other types of cookies (besides necessary ones) may also affect your experience or the functionality of the website.

Details regarding browser settings for blocking or deleting cookies are available below:

Google Chrome:

click the key icon and select Options from the list

click the “Advanced Settings” tab

click Content Settings in the Privacy section

choose the settings you prefer

click X to close

Mozilla Firefox:

select Tools from the main menu, then Options

click the Privacy tab

choose the settings you prefer

click OK to close

Internet Explorer/Edge:

click the Settings/Tools icon

click Internet Options

click Privacy and then choose the options

click Apply and then OK to save your preferences

Safari:

click Preferences and then Privacy

in the Cookies section, choose your preferred cookie settings

save your preferences

To avoid cyberattacks based on cookies, we recommend ensuring that the version of the browser you are using is always up to date.

The data collected by cookies is generally anonymous. In cases where cookies process personal data, you benefit from the rights provided in Finqware’s Privacy Policy, which you can find at the following link: https://finqware.com/privacy-statement/

In cases where cookies involve personal data, users benefit from the GDPR rights of access, rectification, erasure, restriction, portability, and objection, by contacting the DPO at the address indicated in the Privacy Policy.

Among the documents regulating the use of cookies at the European level, you may consult Directive

Directiva 2002/58/CE (PDF) and Directiva 2009/136/CE (PDF).

At the same time, at the national level, the use of cookies is regulated by Law no. 506/2004 on the processing of personal data and the protection of privacy in the electronic communications sector, as subsequently amended and supplemented.

Additional information can be consulted in the following documents and public information sources:

• Directiva 2002/58/CE privind prelucrarea datelor personale și protejarea confidențialității în sectorul comunicațiilor electronice (PDF)
• Directiva 2009/136/CE de modificare a Directivei 2002/22/CE privind serviciul universal și drepturile utilizatorilor cu privire la rețelele și serviciile de comunicații electronice, a Directivei 2002/58/CE privind prelucrarea datelor personale și protejarea confidențialității în sectorul comunicațiilor publice și a Regulamentului (CE) nr. 2006/ 2004 privind cooperarea dintre autoritățile naționale însărcinate să asigure aplicarea legislației în materie de protecție a consumatorului (PDF)
• Regulamentul (UE) 2016/679 al Parlamentului European și al Consiliului din 27 aprilie 2016 privind protecția persoanelor fizice în ceea ce privește prelucrarea datelor cu caracter personal și privind libera circulație a acestor date și de abrogare a Directivei 95/46/CE (Regulamentul general privind protecția datelor)
• Avizul nr.4/2012 al Grupului de Lucru Articolul 29 privind cookie-urile exceptate de la obținerea acordului, iunie 2012 (PDF)
• World Wide Web Consortium, Tracking Preferences Expression (DNT), W3C Working Draft, 2 Octombrie 2012
• Secure Cookies
• Wikipedia – HTTP Cookie