This Cookies Policy, together with our Privacy Policy, governs Hutsy’s use of cookies and similar technologies when you visit our website, located at hutsy.ca, or any other websites, pages, features, or content we own or operate (the “Site”), when you use the Hutsy mobile app (the “Mobile App”), and/or when you interact with Hutsy’s online advertisements or marketing emails (the “Services”). It explains what these technologies are and why we use them, as well as your rights to control our use of them.

On the Site, Mobile App and while using our Services, we use cookies and other technologies, such as software development kits (“SDKs”), pixels and local storage. These technologies allow us to store information or gain access to information stored on your device to enable certain features and distinguish you from other visitors. We use first-party and third-party cookies and other technologies to recognize you as a Hutsy customer, customize Services, content and advertising, measure promotional effectiveness, and collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.

In some cases, we may use cookies and other technologies to collect personal information, or information that becomes personal information if we combine it with other information. In such cases, our Privacy Policy will apply in addition to this Cookie Policy. If you have any questions about our use of cookies or other technologies, please email us at [email protected].

As used in this Cookie Policy, “Hutsy”, “we”, “us” or “our” refer to:

• Hutsy Financial Corp., registered with the Canada Business Corporations Act on 20 August 2019 with its registered Address: 2500 – 88 Queens Quay W, Toronto, ON M5J 0B8, Canada.

Capitalized items in this Cookie Policy have the same meaning as set out in the Privacy Policy.

Technologies We Use

We use cookies, pixels, local storage and software development kits to remember things about you so that we can provide you with a better experience.

Cookies are small text files that enable us and our service providers to uniquely identify your browser or device for various purposes, including those described above. Cookies normally work by assigning a unique number to your device and are stored on your browser by the websites that you visit as well as third-party service providers for those websites.

SDKs are blocks of code that may be installed in the website and/or mobile applications. SDKs help us understand how you interact with the website and/or mobile applications and collect certain information about the device and network you use to access the website and/or mobile application.

Pixels are small invisible images that are embedded in certain website pages or emails. Pixels collect information about your visit to a website page, record the fact you opened an email and can set cookies.

Local storage allows data to be stored locally on your browser or device and includes HTML5 local storage and browser cache. Local storage is normally used to speed up site functionality and remember your preferences.

Categories of Cookies and Other Tracking Technologies

Tracking technologies can either be “first-party” or “third-party”. First-party tracking technologies refers to tracking technologies that we set and use directly. Third-party tracking technologies refer to tracking technologies set by third parties (such as analytics or advertising service providers) through our Site.

The types of tracking technologies used by us and our partners in connection with the Site can be classified into one of four categories, namely (i) “Strictly necessary”, (ii) “Functionality”, (iii) “Analytics and performance” and (iv) “Advertising and marketing”. We have set out some further general information about each of these categories below.

(i) Strictly necessary

These tracking technologies are essential to provide you with the Site and/or Mobile App and the features you have requested, such as to allow you to log into secure areas of the Site and/or Mobile App. Because these technologies are essential for the Site, Mobile App and the features you have requested to work, you cannot decline these tracking technologies.

(ii) Functionality

Functionality tracking technologies record information you enter or choices you make, such as your login details, login status, ID, language preference for the Site and/or Mobile App and your cookie consent choice. They help make the Site and Mobile App work more efficiently and enable us to tailor the Site and Mobile App to your preferences.

(iii) Analytics and performance

We use analytics and performance tracking technologies to analyse how you use the Site and Mobile App, including which pages you view most often, how you interact with the content, measure any errors that occur and test different design ideas. The information is used to report and evaluate your activities and patterns as a user of the Site and/or Mobile App.

(iv) Advertising and marketing

Our Site and Mobile App may use third-party advertising and marketing tracking technologies. These tracking technologies help us, and third parties in some cases, promote our services on other platforms and websites and measure the effectiveness of our campaigns.

How to Manage Cookies and Similar Technologies

You can decide whether or not to accept and control the setting of cookies and similar technologies on your device using your browser’s settings. We cannot delete cookies and similar technologies set on the Site and/or Mobile App that are managed by other parties (for instance Google etc.). You can delete them in your browser’s settings.

Blocking and/or deleting cookies or similar technologies may mean that any Site and/or Mobile App preferences will be lost. Blocking all cookies or similar technology may also mean certain functionalities on the Site and/or Mobile App will not operate properly. Please therefore note that if you choose to refuse or delete cookies or similar technologies, you may not be able to use the full functionality of the Site and/or Mobile App. More information on how to manage most popular browsers can be found here: Google Chrome, Safari, Firefox, Internet Explorer.

Updates to This Cookie Policy

We may change this Cookie Policy from time to time to reflect, for example, changes to the cookies we use, or for other operational, legal or regulatory reasons, so it is advisable to review it frequently. Changes to this Cookie Policy will be announced on our website or through similar means for a reasonable length of time prior to and following the change taking effect.