We use cookies and similar technologies (“cookies”) to ensure proper Website functionality, improve performance, personalize user experience, and analyze traffic.
This Policy explains what cookies are, how we use them, and how you can manage your preferences.
This Policy complies with Regulation (EU) 2016/679 (GDPR), the ePrivacy Directive (2002/58/EC, as amended by 2009/136/EC), and other applicable EU and Estonian laws.

Cookies are small text files placed on your device when you visit a website. They allow us to recognize your browser or device and remember information such as preferences, language, and login details.
Cookies may be “session” cookies (deleted after you close your browser) or “persistent” cookies (stored for a defined period).

We use cookies under the following legal bases:
- Strictly necessary cookies: legitimate interests (essential operation of the Website);
- All other cookies (functional, analytics, marketing): consent provided via our cookie banner.
Consent is freely given, specific, informed, and explicit, with no pre-ticked boxes.

Below is a non-exhaustive list of typical cookies used on our Website:

When you visit our Website for the first time, you will see a cookie banner allowing you to:
- Accept all cookies;
- Reject non-essential cookies; or
- Customize preferences.

Your consent choices are securely stored for a minimum of 24 months in compliance with GDPR and banking audit requirements.
Consent records include timestamp, consent version, anonymized IP, and device/session identifiers for verification (PSD2 and AMLD6 compliant logging).
You can change or withdraw consent at any time using the “Cookie Settings” link on the Website.

Some cookies are provided by trusted third parties (e.g., Google, Meta, Tilda). These providers may collect data for analytics or advertising purposes.
We require that all such partners comply with GDPR, ePrivacy Directive, and maintain data processing agreements (DPAs).
Data transfers outside the EEA are protected using Standard Contractual Clauses (SCCs) and, where applicable, the EU-U.S. Data Privacy Framework (DPF).

You can control or delete cookies through your browser settings. Most browsers allow you to block or delete cookies or receive notifications before storage.
Instructions for common browsers are available below:
- Chrome: https://support.google.com/chrome/answer/95647
- Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies
- Safari: https://support.apple.com/guide/safari/manage-cookies
- Edge: https://support.microsoft.com/en-us/help/4027947/microsoft-edge-delete-cookies

We process cookie-related data in accordance with our Privacy Policy and GDPR Article 6(1).
Some analytics identifiers may constitute personal data and are handled under strict controls.
In compliance with PSD2 and AMLD6, we retain cookie consent logs and technical metadata as part of transaction monitoring and fraud-prevention procedures.

All cookie data and consent logs are encrypted, access-controlled, and stored within the EU/EEA.
We regularly audit third-party scripts and ensure cookies are not set before user consent is obtained.

We may update this Policy periodically to reflect changes in technology, legislation, or our practices.
Material updates will be communicated via Website notice or email. The “Effective Date” at the top indicates the latest revision.