Plain Language Summary
The short version: we use a small number of strictly-necessary cookies to make this site work (such as remembering your dark/light theme choice and your cookie consent decision). We also use Google Analytics to understand how the site is used — but only if you click Accept on the consent banner. We do not run advertising, retargeting, social-media, or third-party marketing cookies.
You can withdraw consent at any time using the controls below. Withdrawing consent removes any analytics cookies and re-shows the banner so you can decide again.
Your current choice
—
Clicking Withdraw consent & review clears your saved preference, removes any analytics cookies that have been set, and re-displays the consent banner so you can make a fresh choice.
What Cookies Are
A cookie is a small text file that a website places on your device when you visit it. Cookies allow the website to remember information about your visit — for example, your preferred language, login status, or theme choice — so that subsequent visits can be more efficient.
Some technologies that operate similarly to cookies — such as the browser localStorage and sessionStorage APIs — are functionally equivalent for the purposes of UK PECR and UK GDPR. References to “cookies” in this Policy include those technologies where relevant.
First-party vs third-party
First-party cookies are set by finconduit directly. Third-party cookies are set by services we embed (for example, Google Analytics). The distinction matters for the legal basis we rely on and for your right to control them.
How We Use Cookies
finconduit uses cookies for two purposes:
- Strictly-necessary functionality — remembering your theme preference and your cookie consent choice. These cookies do not require consent under regulation 6(4) PECR because they are strictly necessary for the service you have requested.
- Analytics — measuring aggregate usage of the site (which pages are visited, how visitors arrive, how long they stay). Analytics cookies require your consent and are not loaded unless you click Accept.
What we do not do
We do not run advertising or retargeting cookies. We do not embed social-media tracking pixels. We do not sell data to third parties for marketing purposes. We do not use cookies to fingerprint your device or to track you across other websites.
Cookies We Set
The full inventory of cookies and equivalent technologies set by this site is listed below. Cookies marked Strictly Necessary are set without consent; Analytics cookies are only set after you click Accept.
| Cookie | Category | Purpose | Duration | Provider |
|---|---|---|---|---|
| fc-theme | Strictly Necessary | Stores your dark/light mode preference (localStorage, not strictly a cookie but functions equivalently). No personal data. | Persistent (until cleared) | finconduit (first-party) |
| fc-cookie-consent | Strictly Necessary | Records whether you have accepted or rejected non-essential cookies, so the consent banner does not re-appear on every visit. | Persistent (until cleared) | finconduit (first-party) |
| fc-cookie-consent-date | Strictly Necessary | Records the date on which you made your consent choice. Used for compliance audit purposes. | Persistent (until cleared) | finconduit (first-party) |
| _ga | Analytics | Distinguishes unique visitors so we can measure how the site is used in aggregate. Only set if you click Accept. | 2 years | Google Analytics 4 (third-party) |
| _ga_<container> | Analytics | Persists session state for Google Analytics 4 (replaces the legacy _gid cookie). Only set if you click Accept. | 2 years | Google Analytics 4 (third-party) |
| _hjSession_* | Behavioural | Hotjar session identifier — used to group page views from a single visit so heatmaps and session recordings can be reconstructed. Only set if you click Accept. | 30 minutes | Hotjar (third-party) |
| _hjSessionUser_* | Behavioural | Hotjar persistent visitor identifier — distinguishes returning visitors for trend analysis. Only set if you click Accept. | 1 year | Hotjar (third-party) |
| _hjFirstSeen / _hjIncludedInSessionSample / _hjAbsoluteSessionInProgress | Behavioural | Hotjar internal flags used to determine whether the visitor is sampled into a session recording or heatmap. Only set if you click Accept. | Session | Hotjar (third-party) |
If you reject analytics, the four _ga cookies in the table above are not set on your device, and Google Analytics is not loaded by your browser at all.
Third-Party Cookies
Two third-party providers may set cookies on this site, only after you click Accept. Both are detailed below.
Google Analytics 4 (analytics)
Operated by Google Ireland Limited (Gordon House, Barrow Street, Dublin 4, Ireland) and Google LLC for users in the UK and EEA. Used to measure aggregate site usage. Google's privacy policy is available at policies.google.com/privacy. We have IP anonymisation enabled and do not share data with Google for advertising purposes.
Hotjar (behavioural analytics)
Operated by Hotjar Ltd, Level 2, St Julian's Business Centre, 3, Elia Zammit Street, St Julian's STJ 1000, Malta. Hotjar collects pseudonymised behavioural data — such as mouse movements, clicks, scrolls, and screen sizes — to produce aggregated heatmaps and (where sampled) session recordings. We use this to understand how the site is used and where the user experience can be improved.
Hotjar is configured to suppress sensitive content by default: text typed into form fields, password inputs, and elements explicitly tagged with the data-hj-suppress attribute are masked in recordings. Hotjar's privacy policy is available at hotjar.com/legal/policies/privacy. You may opt out of Hotjar globally — across every site that uses it — at hotjar.com/legal/compliance/opt-out.
International transfers
Both Google and Hotjar may process data outside the UK and EEA. Where transfers occur, they are made under the UK Addendum to the EU Standard Contractual Clauses and the UK International Data Transfer Agreement, as published by the Information Commissioner's Office (ICO).
Your Consent & Choices
We rely on your explicit, opt-in consent as the legal basis for setting analytics cookies, in accordance with regulation 6(1) of the Privacy and Electronic Communications (EC Directive) Regulations 2003 (PECR) and Article 6(1)(a) of the UK GDPR.
Your consent options:
- Accept — you give consent to all cookies including analytics. Your choice is stored locally in fc-cookie-consent.
- Reject — you decline non-essential cookies. Only strictly-necessary cookies are set. Your choice is stored locally in fc-cookie-consent.
- Withdraw — at any time, you may withdraw your previous decision using the control in section 00 above. The banner will re-display.
- Browser-level — you may also configure your browser to block or delete cookies (see section 06). This is a separate, broader control to our consent banner.
No detriment for refusing
Refusing analytics cookies does not affect your ability to access or use any part of this website. All content, forms, and services remain fully functional.
Managing Your Browser
In addition to our consent banner, every modern browser provides built-in controls to view, delete, and block cookies on a per-site or global basis. Refer to your browser's help documentation:
- Google Chrome — Settings → Privacy and security → Cookies and other site data
- Apple Safari — Settings → Privacy → Manage Website Data
- Mozilla Firefox — Settings → Privacy & Security → Cookies and Site Data
- Microsoft Edge — Settings → Cookies and site permissions → Cookies
- Brave — Settings → Shields → Cookies
You can also visit aboutcookies.org for general guidance on managing cookies. To opt out of Google Analytics across every site that uses it, install Google's Analytics Opt-Out browser add-on.
Changes to This Policy
We will update this Cookie Policy when we add new cookies, change cookie providers, or where required by law. Material changes (for example, introducing a new third-party tracker) will be communicated by re-displaying the consent banner so that you can make a fresh choice.
Non-material changes (for example, clarifications of language) will be reflected by updating the “Last updated” date at the top of this page. We encourage you to review this Policy periodically.
Contact Us
Questions about this Cookie Policy, or about how we use cookies more generally, can be directed to:
Privacy queries
Email privacy@finconduit.com — we aim to respond to all privacy correspondence within 5 working days.
You also have the right to lodge a complaint with the UK Information Commissioner's Office (the regulator responsible for enforcing UK PECR and UK GDPR) at ico.org.uk/make-a-complaint or by calling 0303 123 1113.
For broader privacy questions including your UK GDPR rights, see our Privacy Policy.