Cookie Policy

Nova Credit Limited (“we”, “us”, “our”) uses cookies to improve your browsing experience and to personalise contents, advertisements and services for you on our website. This Cookie Policy explains what cookies are, what types of cookies we may use on our website and how to manage your cookies. By using our website, you are consenting to the use of cookies in accordance with the Cookie Policy.

1. What are cookies?

Cookies are small text files that are stored on your device (such as your computer or mobile phone) when you browse a website. Cookies serve a variety of purposes: they help websites remember your preferences, learn which sessions of a website are frequently visited to improve user experience, and provide you with targeted advertising or personalised content. Sometimes cookies are enabled when a pixel is placed on a website. Pixels are also known as web beacons, clear gifs and tags. They enable websites to read and place cookies.

Cookies can be first-party or third-party:
⦁ First-party cookies are stored directly by us when you visit our website; and
⦁ Third-party cookies are created by third parties such as Youtube, Facebook or Linkedin.

We cannot control the actions of third parties on their websites. However, we may work with certain third parties (such as Google or Facebook) to allow their cookies to function on our website for us to better understand user experience and serve you with personalised services.

Cookies will be persistent or session in storage:
⦁ Persistent cookie is stored on your device by web browser until it expires or you proactively delete it. The cookie expiration date is set by the cookie creator, which can be a specific date or after a period of session. This means that, throughout the lifetime of a cookie, whenever the user visits a website that uses such cookie, the cookie information is transmitted to the server of the cookie creator. As such, persistent cookies are also known as “tracking cookie”; and
⦁ Session cookie is temporarily created on your device and used by the website during your visit. This type of cookie may store information you enter and track your activities within the website. When you leave the website or your web browser is closed, the session cookie will be deleted.

Common types of cookie:
⦁ Strictly necessary cookies: These are cookies that are required for the service to function, such as cookies that enable you to securely log in to our service. If you set your browser to block these cookies, some parts of the service may not work properly.
⦁ Analytical/Performance cookies: These cookies count the times of visit and traffic sources, help us understand which pages are the most and least popular, and how you navigate the website, in order to measure and improve website performance.
⦁ Functionality cookies: These cookies remember choices you make on the website and provide better and more personalised functionality such as your choice of language or region, font size, etc.
⦁ Targeting cookies: Targeting cookies primarily rely on the identifiers that uniquely identify your browser and Internet device to administer and display interest-based advertisements or services based on your activities on our website and other websites.
⦁ Social media cookies: These cookies make social sharing easier for you, provide you with tools to connecting sites, and help us better understand the website’s audience and the effectiveness of social media promotions. Your choices of these third party cookies depend on which social media accounts you have.

2. What types of cookies may we use?

We mainly use Google Analytics for website traffic statistics to analyse how you use our website to help us improve our service experience. We may use strictly necessary, performance, functionality, targeting and social media cookies which may be first-party or third-party cookies, and persistent or session cookies.

Through the use of cookies, we and our third parties may automatically collect, process or store anonymous information about your visit via the browser, including:
⦁ Your identifier (such as cookie ID and other unique identification numbers);
⦁ Your Internet domain and IP address;
⦁ The type and version of the browser software and operating system of your device;
⦁ The date and time you access the Internet;
⦁ The address of another website which link you into our website;
⦁ The pages or links from which you enter, visit and exit our website; and
⦁ The content you have accessed, etc.

This information may be used to:
⦁ Enable you to use our services properly; or
⦁ Track your activity patterns and preferences, in order to:
⦁ Analyse and report the usage of website and content, marketing campaigns, and interest in our services;
⦁ Optimise our services; or
⦁ Subject to your direct marketing consent, we may send you targeted advertising, content or special offers.

We may use the following third-party cookies in our provision of services for social media sharing and advertising:
⦁ YouTube
⦁ Facebook
⦁ Linkedin

3. How can you manage your cookies?

Most web browsers automatically accept cookies, but you can change your browser options to disable cookies. Please note that if you disable all cookies (including strictly necessary cookies), you may not be able to use all or some of our services. For more information about cookie setting, please click the “Help” option in your Internet browser for more details. For example:
⦁ Google Chrome Browser Cookie setting (https://support.google.com/chrome/answer/95647?hl=en)
⦁ Mozilla Firefox Browser Cookie Setting (https://support.mozilla.org/en-US/products/firefox/protect-your-privacy/cookies)
⦁ Apple Safari Browser Cookie Setting (https://support.apple.com/kb/index?q=cookies&src=globalnav_support&type=organic&page=search&locale=en_US)
⦁Microsoft Edge Browser Cookie Setting (https://support.microsoft.com/en-us/windows/microsoft-edge-browsing-data-and-privacy-bb8174ba-9d73-dcf2-9b4a-c582b4e640dd)

Alternatively, you can prevent Google from collecting and using your data (cookies and IP address) by downloading and installing the Google Analytics Opt-Out Browser Add-on (https://tools.google.com/dlpage/gaoptout?hl=en-GB#). For more information about Google Analytics cookies, please refer to Google’s help pages and privacy policy. If you do not accept the use of these cookies, we cannot guarantee the provision of our service to you.

We may revise this Cookie Policy from time to time, so we recommend that you regularly check for the latest version of this Policy on our website. If there is any inconsistency between the English and Chinese versions of this Cookie Policy, the English version shall prevail.

This version of Cookie Policy was last updated on 30 June 2023.