Cookie Policy
Effective date: 1 July 2026
This Cookie Policy explains what cookies are, which cookies Finik uses on its website and platform at https://finik.ai, why we use them, and how you can control them.
This policy should be read together with our Privacy Policy, which explains how we handle your personal information more broadly.
FinikPay Inc. ("Finik", "we", "us") is responsible for the cookies placed on this website.
1. What Are Cookies
1.1 A cookie is a small text file that a website places on your device — your computer, phone, or tablet — when you visit it. Cookies are widely used to make websites work efficiently, to remember your preferences, and to provide information to the website owner.
1.2 Cookies can be:
- Session cookies — these exist only for the duration of your visit and are deleted automatically when you close your browser.
- Persistent cookies — these remain on your device after your browser is closed, until they expire or you delete them manually.
1.3 Cookies can also be:
- First-party cookies — set directly by Finik when you visit our website.
- Third-party cookies — set by a third-party service that we use on our website, such as an analytics provider.
2. What Cookies We Use
We use four categories of cookies. Each category is described below, together with its purpose, legal basis, and whether your consent is required.
2.1 Strictly Necessary Cookies
2.1.1 These cookies are essential for the website and platform to function. Without them, core features — such as logging in, navigating between pages, and keeping your session secure — would not work.
2.1.2 These cookies do not require your consent. We place them on the basis of our legitimate interest in operating a secure, functional platform, and in some cases as a requirement of our contract with you.
2.1.3 Examples of what these cookies do:
- Keep you logged in during your session
- Remember your security authentication (e.g. multi-factor authentication status)
- Protect against cross-site request forgery (CSRF)
- Maintain load balancing across our servers
- Store your cookie consent preferences
2.2 Functional Cookies
2.2.1 These cookies remember choices you make and personalise your experience. They are not essential for the platform to work, but they make it more convenient.
2.2.2 We use functional cookies only with your consent.
2.2.3 Examples of what these cookies do:
- Remember your language preference
- Remember your notification and display settings
- Pre-fill forms with information you've previously entered
2.3 Analytics Cookies
2.3.1 These cookies collect information about how visitors use our website and platform — which pages are visited most often, where users come from, and where they encounter errors. We use this information to improve the platform.
2.3.2 Data collected by analytics cookies is aggregated and does not directly identify individual users.
2.3.3 We use analytics cookies only with your consent.
2.3.4 We use Google Analytics for website analytics. Google Analytics places cookies on your device to help us understand traffic and usage patterns. The information generated — including a truncated version of your IP address — may be transmitted to and stored by Google on servers in the United States and other countries. We have enabled IP anonymisation so that your full IP address is not stored by Google. We use Google Analytics solely for statistical purposes and do not allow Google to use the data for its own advertising purposes.
2.3.5 You can opt out of Google Analytics tracking at any time by adjusting your cookie preferences through our cookie banner, or by installing the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout.
2.4 Targeting and Advertising Cookies
2.4.1 We do not currently use targeting or advertising cookies on our website or platform. We do not share data with advertising networks or allow third parties to place advertising cookies through our website.
3. Specific Cookies We Use
The table below lists the specific cookies currently in use on our website and platform. We update this table when we add or remove cookies.
| Cookie name | Category | Set by | Purpose | Duration |
|---|---|---|---|---|
| session_id | Strictly necessary | Finik | Maintains your login session | Session |
| csrf_token | Strictly necessary | Finik | Protects against CSRF attacks | Session |
| mfa_verified | Strictly necessary | Finik | Stores MFA verification status | Session |
| cookie_consent | Strictly necessary | Finik | Stores your cookie preferences | 12 months |
| lang_pref | Functional | Finik | Remembers your language setting | 12 months |
| _ga | Analytics | Distinguishes unique users | 2 years | |
| _ga_[ID] | Analytics | Maintains session state for Google Analytics | 2 years | |
| _gid | Analytics | Distinguishes users (shorter window) | 24 hours |
4. Third-Party Cookies
4.1 Some cookies on our website are placed by third-party services that we use. We do not control those third parties' cookies and cannot access them. Their use of your information is governed by their own privacy policies.
4.2 The third-party services that may set cookies on our website are:
- Google Analytics (Google LLC) — analytics. Google's privacy policy is available at https://policies.google.com/privacy.
4.3 We will update this section if we introduce additional third-party services that set cookies.
5. How to Manage Your Cookie Preferences
5.1 Cookie Banner
5.1.1 When you first visit our website, you will see a cookie banner that gives you the option to accept or decline non-essential cookies (functional and analytics categories). Strictly necessary cookies are always active and cannot be declined.
5.1.2 You can change your cookie preferences at any time by clicking the "Cookie settings" link in the footer of our website. Your updated preferences will take effect immediately.
5.2 Browser Settings
5.2.1 You can also control cookies directly through your browser settings. Most browsers allow you to:
- view the cookies stored on your device;
- block all cookies or block cookies from specific websites;
- delete all cookies or delete cookies from specific websites; and
- set your browser to notify you when a cookie is being placed.
5.2.2 Instructions for the most common browsers:
- Google Chrome: Settings → Privacy and security → Cookies and other site data
- Safari: Preferences → Privacy → Manage Website Data
- Mozilla Firefox: Settings → Privacy & Security → Cookies and Site Data
- Microsoft Edge: Settings → Cookies and site permissions → Cookies and site data
5.2.3 Please note that blocking or deleting strictly necessary cookies will affect the functionality of our platform. You may not be able to log in or use the platform properly if these cookies are disabled.
5.3 Withdrawing Consent
5.3.1 If you have consented to functional or analytics cookies and later change your mind, you can withdraw your consent at any time through the cookie banner or through your browser settings. Withdrawing consent does not affect the lawfulness of cookie use before you withdrew it.
6. Similar Technologies
6.1 In addition to cookies, we may use similar tracking technologies on our website, including:
- Web beacons (also called pixel tags or clear GIFs) — small transparent images embedded in web pages or emails that allow us to track whether a page or email has been opened and to measure traffic patterns.
- Local storage — a browser feature that allows data to be stored locally on your device, similar to cookies but with a larger storage capacity. We use local storage for session management and platform preferences.
6.2 The same consent rules apply to these technologies as to cookies in the same category.
7. Cookies and Children
7.1 Our platform is not intended for use by individuals under the age of 18. We do not knowingly place cookies on the devices of children or collect personal data from children through cookies.
8. International Data Transfers
8.1 Some of the third-party services that set cookies on our website — in particular Google Analytics — may transfer data to servers outside Canada, including to the United States. Google LLC participates in the EU-US Data Privacy Framework and implements standard contractual clauses for transfers from the EEA and UK. For more information, see Google's privacy policy at https://policies.google.com/privacy.
8.2 For more information about how we handle international data transfers generally, see our Privacy Policy.
9. Changes to This Policy
9.1 We may update this Cookie Policy from time to time — for example, if we add new cookies or change the services we use. When we make material changes, we will update the "Effective date" at the top of this page and, where appropriate, notify you through the cookie banner.
9.2 We encourage you to review this policy periodically.
10. Contact Us
If you have any questions about our use of cookies, please contact us:
| privacy@finik.ai | |
| Post | Privacy Officer, FinikPay Inc., Suite 548, 1235 Bay Street, Toronto, ON, Canada M5R 3K4 |