Cookie Policy

1. What cookies are

Cookies are small text files or similar technologies stored on or accessed from your browser, device, or application when you visit a website or use an online service. Cookies can help a website remember information about your visit, keep services secure, enable checkout functionality, or understand basic website performance.

Cookies may be set directly by Nordgate or by third-party service providers that help us operate, secure, improve, or provide our services.

2. Scope of this Cookie Policy

This Cookie Policy applies to Cookies used on Nordgate-controlled websites, checkout pages, support pages, onboarding pages, forms, dashboards, portals, documentation pages, and related online services. This includes https://www.nordgate.financial and any Nordgate-controlled subdomains or service pages where this Cookie Policy is referenced.

Cookies may also be used in certain emails or communications, for example to support delivery, security, troubleshooting, or service communications, where applicable.

3. Types of cookies we use

Nordgate uses a limited and risk-based approach to Cookies. We use Cookies that are necessary for our website, checkout, payment, security, fraud prevention, support, and compliance functions. Non-essential Cookies are used only where enabled and where permitted by applicable law.

3.1 Strictly necessary cookies

Strictly necessary Cookies are required for our website, checkout, security controls, and core services to function. These Cookies cannot usually be disabled through our cookie preference tool because the website or service may not work properly without them.

• load pages and forms;
• maintain website, checkout, and session security;
• remember cookie consent choices;
• enable checkout and payment flow functionality;
• protect forms and services from abuse, bots, fraud, or unauthorized access;
• support authentication, error handling, and service availability.

3.2 Security, fraud prevention, and risk cookies

Nordgate may use Cookies and similar technologies to help detect fraud, abuse, suspicious activity, unauthorized access, bot activity, payment risk, transaction risk, and other security issues. Some of these Cookies may be strictly necessary for checkout, payment, fraud prevention, compliance, or platform security purposes.

Security and fraud prevention technologies may be provided by Nordgate, payment providers, fraud prevention providers, security providers, or other service providers involved in protecting the transaction flow.

3.3 Payment and checkout cookies

When you use a Nordgate checkout, Cookies or similar technologies may be used to enable payment method display, checkout session continuity, transaction security, fraud screening, payment authentication, payment confirmation, error handling, refund or dispute support, and compliance checks.

Payment and checkout Cookies may be set by Nordgate or by third-party payment providers, acquiring banks, wallet providers, local payment methods, fraud prevention providers, or other checkout partners. Nordgate does not name specific payment providers in this Cookie Policy unless and until public disclosure is approved and the relevant provider setup is confirmed.

3.4 Functional and preference cookies

Functional and preference Cookies may help remember choices you make, such as language, region, display settings, support preferences, form information, checkout preferences, dashboard preferences, or cookie consent preferences. Where these Cookies are not strictly necessary, they will be treated as optional where required by law.

3.5 Analytics and performance cookies

Nordgate may use analytics or performance Cookies to understand website usage, measure performance, identify technical errors, improve checkout flows, and improve support pages. Where required by applicable law, analytics and performance Cookies will be used only with your consent.

Nordgate does not publish a fixed list of analytics providers in this Policy unless those providers are enabled and confirmed. If analytics tools are enabled, they may be described in the cookie banner or cookie preference tool where required.

3.6 Marketing and advertising cookies

At the date of this Cookie Policy, Nordgate does not use advertising or retargeting Cookies as a standard part of its website or checkout. If Nordgate later enables marketing or advertising Cookies, they will be treated as non-essential Cookies and used only where permitted by applicable law and, where required, with your consent.

Marketing Cookies may include advertising pixels, retargeting tags, conversion tracking, audience creation, or similar technologies. These technologies are not required for core website or checkout functionality.

3.7 Support and communication cookies

Nordgate may use Cookies or similar technologies on support pages, chat tools, ticket forms, or contact forms to route support requests, remember form information, manage support sessions, detect spam or abuse, troubleshoot buyer issues, or monitor support page performance. Specific support tools may vary and may be described in the Privacy Policy or cookie preference tool where required.

4. First-party and third-party cookies

First-party Cookies are set by Nordgate. Third-party Cookies are set by third-party service providers that help us operate, secure, analyze, improve, or provide our services.

Third-party service providers may include hosting and infrastructure providers, analytics providers, payment providers, fraud prevention providers, identity verification providers, compliance providers, customer support providers, CRM providers, email providers, security providers, and other technology providers.

Third-party providers may process information according to their own privacy policies, cookie policies, and service terms.

5. Cookie categories

The exact Cookies used may depend on the services enabled at the time of your visit, the page you access, your location, your consent choices, and the payment or support flow used. Where required, more specific Cookie details may be provided in our cookie banner, cookie preference tool, or Privacy Policy.

Category - Purpose - Typical status - Examples of providers

Strictly necessary - Website, checkout, session, security, consent storage, and core functionality. - Always active - Nordgate, hosting, security, checkout infrastructure

Security / fraud prevention - Fraud detection, abuse prevention, bot protection, transaction security, and compliance risk controls. - Always active or consent-based depending on purpose - Security, fraud prevention, payment, and risk providers

Payment / checkout - Payment flow, payment authentication, payment method display, transaction security, and payment confirmation. - Usually active for checkout functionality - Payment providers, wallets, acquiring banks, local payment methods

Functional / preference - Language, region, display settings, support preferences, form and consent preferences. - Optional unless necessary for the service - Nordgate or relevant service providers

Analytics / performance - Website usage analytics, performance measurement, troubleshooting, and service improvement. - Consent-based where required - Analytics or performance providers, if enabled

Marketing / advertising - Campaign measurement, retargeting, conversion tracking, and advertising measurement. - Not used as standard; consent-based if enabled - Advertising or marketing providers, if enabled

Support / communication - Support forms, ticket routing, chat sessions, spam prevention, and support troubleshooting. - Depends on support tool and purpose - Customer support, email, CRM, or communication providers

6. Your cookie choices

Where required by applicable law, Nordgate will ask for your consent before using non-essential Cookies, such as analytics, marketing, advertising, or optional personalization Cookies.

• accept all Cookies;
• reject non-essential Cookies;
• customize Cookie preferences by category;
• change your Cookie preferences later where a cookie preference tool is available;
• disable or delete Cookies through your browser settings.

Strictly necessary Cookies may remain active because they are needed to provide the website, checkout, security, payment, compliance, or fraud prevention functions.

Where a cookie preference tool is available, it may be displayed as "Cookie Settings", "Manage Cookies", "Manage Cookie Preferences", or similar wording.

7. Managing cookies in your browser

Most browsers allow you to manage Cookies through browser settings. Depending on your browser, you may be able to block Cookies, delete existing Cookies, block third-party Cookies, clear site data, receive warnings before Cookies are stored, or use private browsing mode.

If you block or delete Cookies, some Nordgate services may not work properly, including checkout, payment authentication, security controls, support tools, vendor dashboards, forms, or preference settings.

8. Consent for non-essential cookies

Where required by applicable law, Nordgate will use non-essential Cookies only with your consent. You can withdraw or change consent through the cookie preference tool where available, or by changing your browser settings.

Withdrawing consent does not affect the lawfulness of processing that occurred before consent was withdrawn.

9. Cookies and personal information

Some Cookies may collect or be linked to personal information, such as IP address, device identifiers, online identifiers, transaction information, account information, checkout activity, or support activity. We process personal information collected through Cookies in accordance with our Privacy Policy.

Privacy Policy: https://www.nordgate.financial/privacy-policy

10. Cookies used in emails

Nordgate emails may include pixels or similar technologies for service, security, delivery, support, onboarding, or marketing communications where applicable. These technologies may help us understand whether an email was delivered, opened, or clicked.

Where email tracking is used for marketing communications, it will be used in accordance with applicable law and any required consent or opt-out requirements. You may be able to limit some email tracking technologies by disabling image loading in your email client.

11. Do Not Track and global privacy signals

Some browsers or devices may offer "Do Not Track", Global Privacy Control, or similar privacy signal settings. Nordgate will respond to such signals where required by applicable law and technically feasible.

12. Children

Nordgate's services are not intended for children or persons under 18. Nordgate does not knowingly use Cookies to track children for behavioral advertising or marketing purposes.

13. International processing

Cookies and related data may be processed in countries where Nordgate or its service providers operate. These countries may include Canada, the United Kingdom, the European Union, the United States, Latvia, and other countries where Nordgate, its payment providers, or its service providers operate.

Where required, Nordgate uses appropriate safeguards for international transfers of personal information.

14. Changes to this Cookie Policy

Nordgate may update this Cookie Policy from time to time. The updated version will be posted on our website with a revised "Last Updated" date. If we make material changes to how we use Cookies, we may update our Cookie banner, Cookie preference tool, or Privacy Policy.

15. Contact us

For questions about this Cookie Policy or Nordgate's use of Cookies, contact:

• Nordgate Financial Inc.
• Privacy Contact: privacy@nordgate.financial
• Support Contact: support@nordgate.financial
• Website: https://www.nordgate.financial
• Registered Office: 6d - 7398 Yonge St PMB 889, Thornhill, Ontario, L4J 8J2, Canada

16. Cookie banner wording

Nordgate may display the following or similar Cookie banner to website visitors:

17. Cookie preference categories

Nordgate may display the following or similar Cookie preference categories: