Last updated: 14 September 2023

This Cookie Policy explains how Bakksy Finance OÜ, a company registered under the laws of the Republic of Estonia with registration number 16575205 and registered address at Harju maakond, Tallinn, Kesklinna linnaosa, Tornimäe tn 3 // 5 // 7, 10145 ("Bakksy", "we", "our"), uses cookies on our website.

This Cookie Policy applies to all personal data we collect when you sign up for our waitlist and shall be considered an essential part of our Terms & Conditions.

References to "you" or "user" under the Cookie Policy refer to the individual who has visited our website. This includes, but is not limited to, individuals who have joined the waitlist and become a part of the Bakksy community, received a Bakksy community card, or received a referral link to share with others.

  1. What Are Cookies
    1. Cookies are small text files that are placed on your device (e.g. computer, tablet or mobile phone) when you access our website. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. Cookies can be "persistent" or "session" cookies:
      1. persistent cookies remain on your device even after you close your browser or restart your computer or mobile device. They are used to remember your preferences or actions across multiple sites or sessions;
      2. session cookies only last for the duration of your browser session and are deleted from your device when you close your browser.
  2. Types of Cookies
    1. We use the following types of cookies:
      1. Essential cookies: these cookies are necessary for the operation of our website. They include, for example, cookies that enable you to log in to secure areas of our website.
      2. Analytical/performance cookies: these cookies allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it. This helps us to improve the way our website works, for example, by ensuring that users are finding what they are looking for easily.
      3. Functionality cookies: these cookies are used to recognize you when you return to our website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of website language).
      4. Targeting cookies: these cookies record your visit to our website, the pages you have visited and the links you have followed. We will use this information to make our website more relevant to your interests. This analytical data helps us to optimize our advertising campaigns and ensure that our ads reach the right audience. We may also share this information with third parties for this purpose.
  3. How We Use Cookies
    1. We use cookies for the following purposes:
      1. Provide basic functionality: we use cookies that are necessary for the basic functioning of our website, such as those that enable you to log in or access certain secure areas of our website.
      2. Analyze website traffic and usage patterns: we use cookies to collect information about how visitors use our website, such as which pages are visited most frequently, how long visitors stay on each page, and which links are clicked. This information helps us to understand how our website is being used and to make improvements to its content, design, and functionality.
      3. Personalize your experience: we use cookies to personalize your experience on our website, such as by remembering your language preference, displaying content that is relevant to your interests, and offering suggestions based on your past browsing behavior.
      4. Provide social media features: we use cookies to enable social media features on our website, such as sharing buttons and embedded content from social media platforms. These cookies may be used by the social media platform to track your activity on our website and to display personalized ads based on your browsing behavior.
      5. Serve targeted advertisements: we use these cookies to collect information about your browsing behavior, such as the pages you visit, the links you click, and the products or services you view. This information is used to display ads that are relevant to your interests and to measure the effectiveness of our advertising campaigns.
  4. Cookie Consent
    1. When you first visit our website, a cookie banner will appear at the bottom of the page, requesting your consent to the use of cookies. By clicking "Accept", you consent to our use of cookies and other tracking technologies as described in this Cookie Policy. If you do not consent, we will not place non-essential cookies on your device, although some cookies that are necessary for the operation of our website may still be placed.
    2. You can withdraw your consent to the use of cookies at any time by deleting cookies through your browser settings. Please note that deleting our cookies may affect your ability to use certain features of our website.
  5. Third-Party Cookies
    1. To better understand how our website is used and to improve our services, we may use cookies from third-party service providers such as Google Analytics. Google Analytics is a web analytics service that uses cookies to collect information about website traffic and usage patterns. The data collected by these cookies is transmitted to Google's servers and processed to generate reports on website activity for website operators.
    2. It's important to note that these third-party cookies are subject to the privacy policies of the respective service providers, and we do not have control over them. However, we take reasonable steps to ensure that our third-party service providers are General Data Protection Regulation (GDPR) compliant and that any data processing activities conducted by them are done in accordance with the GDPR requirements.
  6. How to Control Cookies
    1. You can control and/or delete cookies as you wish. This can be done by adjusting your browser settings. Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer.
    2. However, it's important to note that if you choose to delete or disable cookies, some parts of our website may not function properly or may not work at all. You may also need to manually adjust certain preferences or settings every time you visit our website.
    3. In addition, please be aware that if you delete cookies or do not allow cookies to be placed, this may impact the performance of our website and limit your ability to use certain features, such as saving your preferences or customizing your user experience.
  7. Data Protection
    1. In addition to our commitment to protecting your personal data, we have implemented measures to ensure that any personal data collected through the use of cookies is processed in compliance with the GDPR. This means that any personal data collected through cookies will be processed lawfully, fairly, and transparently.
    2. We only collect personal data through cookies with your explicit consent, which you can provide or withdraw through the cookie banner on our website. We do not collect any sensitive personal data through cookies.
    3. We only share aggregated, non-personal data with third-party service providers for the purposes of website analytics and optimization.
    4. If you have any questions or concerns about how we process your personal data — please refer to our Privacy Policy or contact us directly. We are committed to maintaining transparency and open communication with our users regarding their personal data.
  8. Contact Information and Complaints
    1. If you have any questions or concerns about this Cookie Policy or the processing of your personal data, please contact us at [email protected]. We will make every effort to address your concerns in a timely and satisfactory manner.
    2. If you believe that your rights under the GDPR have been violated, you have the right to file a complaint with the Estonian Data Protection Inspectorate (Andmekaitse Inspektsioon).
  9. Changes
    1. We may update this Cookie Policy from time to time to reflect changes in our practices or in applicable law. We will notify you of any material changes by posting the updated Cookie Policy on our website and, if required by law, by obtaining your consent.
  10. Governing Law
    1. This Cookie Policy and the processing of personal data shall be governed by and construed in accordance with the General Data Protection Regulation (GDPR) of the European Union and applicable data protection laws of the Republic of Estonia.
  11. Dispute Resolution
    1. Any disputes arising in connection with this Cookie Policy or the processing of personal data shall be subject to the exclusive jurisdiction of the Arbitration Court of the Estonian Chamber of Commerce and Industry (ECCI) in accordance with its rules. The arbitral tribunal shall be composed of a sole arbitrator. The seat of arbitration shall be Tallinn, Estonia. The language of the arbitral proceedings shall be English.
    2. In the event of a dispute arising from or relating to this Cookie Policy, the prevailing party shall be entitled to recover its reasonable attorneys' fees and arbitration proceedings costs, as well as all other expenses incurred in connection with the dispute, from the non-prevailing party.