Cookies Policy

1. What are cookies?

Small text files downloaded to your device when visiting websites. They store preferences and help analyze browsing behavior. They do not harm your device.

2. Types of cookies we use

a) By the entity that manages them:

• First-party: managed by Clovr Fintech.
• Third-party: managed by other providers such as Hotjar or MailerLite.

b) By duration:

• Session cookies: deleted when the browser closes.
• Persistent cookies: remain for a set period.

c) By purpose:

• Technical cookies (no consent required).
• Analytics cookies.
• Personalization cookies.
• Advertising cookies (currently not used).

3. Cookies currently used

Example: cookies related to crypto-backed loans. Names may vary depending on service version.

4. International data transfers

Providers like Hotjar or MailerLite may process data outside the EEA using standard contractual clauses or adequacy decisions.

5. Consent

Upon first access, a cookie banner informs about non-essential cookies and allows accept, reject, or configure by category. No non-essential cookies will be installed without consent.

6. Manage or delete cookies

You can manage cookies from your browser settings (Chrome, Firefox, Safari, Edge). Disabling some cookies may affect website functionality.

7. Updates to this policy

Clovr Fintech reserves the right to update this policy at any time. Significant changes will be clearly communicated on the site.