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Cookie policy

This policy explains the cookies and similar technologies we use on the H Individual website, web app and mobile apps, why we use them, and how you can control them.

Effective
[DD Month YYYY]
Version
[1.0]
Applies to
Website, web app and mobile apps

Draft. This document is being reviewed by our legal and compliance teams and may change before launch.

On this page
  1. What cookies are
  2. The types we use
  3. Cookies we use
  4. In our mobile apps
  5. Third parties
  6. Your choices
  7. Changes to this policy
  8. Contact us

What cookies are

Cookies are small text files a website saves on your device. Similar technologies, such as local storage and the identifiers used in mobile apps, work in the same way. We call them all "cookies" in this policy.

Some cookies are essential: without them you couldn't log in or keep your account secure. Others are optional, and we use them only if you agree.

The types of cookies we use

  • Strictly necessary: keep you logged in, protect your account and remember your cookie choices. These are always on.
  • Security and fraud prevention: recognise your device and spot suspicious activity. Anti-fraud rules mean these are always on.
  • Preferences: remember settings such as your language and the currencies you use most. Optional.
  • Analytics: help us understand how people use H Individual so we can improve it. Optional.
  • Marketing: measure how well our campaigns work. Optional. We don't use them to show you ads on other websites.

Cookies we use

This list will be kept up to date. [Developers: replace placeholder names and providers before launch.]

NameTypePurposeProviderExpires
[hi_session]Strictly necessaryKeeps you logged inH IndividualEnd of session
[hi_csrf]Strictly necessaryProtects forms from attacksH IndividualEnd of session
[hi_consent]Strictly necessaryRemembers your cookie choicesH Individual12 months
[hi_device]SecurityRecognises trusted devicesH Individual[12 months]
[fraud provider]SecurityDetects fraud and bots[provider][period]
[hi_prefs]PreferencesRemembers language and currenciesH Individual12 months
[analytics]AnalyticsCounts visits and how features are used[provider][period]
[campaign]MarketingMeasures which campaigns bring people to us[provider][period]

In our mobile apps

Our apps don't use browser cookies, but they use similar technologies: secure storage to keep you logged in, device identifiers for security, and, if you agree, analytics tools. You can manage optional ones in the app under Settings › Privacy, and through your phone's privacy settings.

Third parties

Some cookies are set by our service providers, such as our fraud-prevention and analytics partners. They may only use the information to provide their service to us. Our Privacy policy explains how we share information and with whom.

Your choices

  • When you first visit, we ask whether you accept optional cookies. Nothing optional is set until you choose.
  • You can change your mind at any time using the Cookie settings link at the bottom of every page.
  • You can also block or delete cookies in your browser settings. If you block strictly necessary cookies, you won't be able to log in.

Changes to this policy

We'll update this policy when the cookies we use change. The date at the top shows when it was last updated. If we start using a new type of optional cookie, we'll ask for your consent again.

Contact us

Questions about cookies? Email our Data Protection Officer at [privacy email].

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H Individual is a personal-account service from Harbour & Hills. Services are in development and subject to regulatory approval in each market. Digital assets are volatile and are not deposits. © Harbour & Hills.