Cookies Policy

Last updated on: January 1, 2020

Welcome to https://* and https://* (the “Website”), which are owned and operated by Verge Capital Limited (“Finclude”, “we” and “us”) trading as Finclude. Here you will find information on what cookies may be set when you visit the Website, what we use cookies for, and how to reject or delete those cookies.

When you access the Website for the first time you will be asked to agree to our use of certain types of cookies (such as performance, marketing and tracking cookies) listed in the table below in the manner described in this policy. This is to ensure compliance with Data Protection Legislation. If you previously accessed the Website and did not agree for cookies to be set or you deleted cookies previously, you will be asked to agree to cookies being placed on your computer again.

For the purposes of this Cookies Policy, “Data Protection Legislation” means the Data Protection Acts 1988 to 2018, the General Data Protection Regulation (EU) 2016/679 (“GDPR”), and any other applicable law or regulation relating to the Processing of Personal Data and to privacy, including the E-Privacy Directive 2002/58/EC and the European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (“E-Privacy Regulations”), as such legislation shall be supplemented, amended, revised or replaced from time to time.

There are certain types of cookies which are essential and which we do not require your agreement to store in accordance with Data Protection Legislation, which are the cookies used for the sole purpose of carrying out the transmission of a communication, or where storage or access is strictly necessary in order for us to provide you with the service that you requested, including the following:

  • User Input Cookies (Session ID)
  • Performance Cookies
  • Authentication Cookies
  • User Centric Security Cookies
  • Multimedia Content Player Cookies
  • Load Balancing Cookies

More details on these cookies can be found in the table in the section “Cookies used on this Website” below.

You should also be aware that there are cookies which are found in other companies’ internet tools which we may use to enhance our services. You may see ‘social buttons’ during your use of the website, including but not limited to Twitter, Facebook, LinkedIn and Instagram which enable you to share or bookmark certain web pages.  These websites and social platforms have their own cookies and privacy practices, which are controlled by them.

What are cookies?

A cookie is a text file containing a small amount of information that a Website and/or mobile application sends to your browser when you visit a Website. The cookie is then sent back to the originating Website on each subsequent visit, or to another Website that recognises it. Cookies enhance the user experience; for example some cookies allow the Website to “remember” your actions or preferences over time so you don’t have to keep re-entering them whenever you come back to the Website or browse from one page to another.

This means we automatically collect and store the following information about your visit to the Website:

  • the internet domain and IP address from where you access the Website;
  • the type of browser software and operating system used to access the Website;
  • the date and time you access the Website;
  • if you linked to the Website from another Website, the address of that Website; and
  • the pages you enter, visit and exit the Website from.

Our Privacy Policy sets out full details of the other personal information we may collect about you and explains the purposes for which we shall use your personal information.

Cookies used on this Website

The cookies used on this Website have been categorised based on the categories found in the ICC UK Cookie Guide. A list of all cookies used on this Website by category and a description of the purposes we use them for is set out below.

Cookie Categories Purpose Strictly Necessary
Performance Cookies These cookies collect information about how visitors use our Website, which pages visitors go to most often, which webpage layouts are preferable to others, which parts of the Website need improving and if visitors get error messages from web pages. They are used to improve how our Website works. This information may be shared with 3rd parties we work with that provide us the use of performance cookies, but we shall do so on an anonymised aggregated basis. Yes
Multimedia Content Player Cookies These cookies are used to store technical data to play back video or audio content. These cookies are stored if/when we have videos as part of the content on our Website. Yes
Authentication Cookies These cookies are only stored on your device when you log in to your account online. They allow us to identify you when you are accessing your account through the Website. Yes
User Centric Security Cookies These cookies are used to detect authentication abuses. Yes
User Input Session ID Cookies These cookies are used to make sure your visit operates in line with your requirements as a user. They ensure you’re not treated as a new visitor each time you click on a different part of the navigation bar on the Website, for example, if you log in to your account online or if you begin completing an application for credit score assessment. They keep track of your input when filling online forms. They also confirm your browser’s capabilities and recognise details that you have inputted into a form that you complete on our Website. They expire at the end of your browsing session. Yes
Load Balancing Cookies These cookies allow us to provide a robust and resilient Website service. They ensure our servers balance the number of users on the Website to ensure visitors can smoothly browse through the Website and searches can be sped up. Yes
Affiliate Marketing Tracking Cookies We work with 3rd parties that promote our Website, products and services. We utilise these cookies so that when you reach our Website from one of those 3rd parties, this can be identified. No
User Interface Customisation Cookies These cookies allow the Website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. No
Google Analytics Cookies Google Analytics is a third-party web analysis service provided by Google Inc, which uses performance cookies and targeting cookies. The information generated by these cookies about your use of the Website (including your IP address) will be transmitted to and stored by Google Inc on servers in the United States. Google will use the information collected for the purpose of evaluating your use of our Website on our behalf, compiling reports on Website activity and providing other services relating to activity and internet usage to us. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser as described above. Furthermore, you can prevent Google’s collection and use of data (cookies and IP address) by downloading and installing the browser plug-in available under This creates an opt-out cookie which prevents the further processing of your data. For more information about Google Analytics cookies, please see Google’s help pages and privacy policy. If you prevent these cookies, we cannot guarantee how the Website will perform for you. No

How to control and delete cookies

Users of our Website can set their devices to accept all cookies, to notify them when a cookie is issued, or not to receive cookies at all. If you wish to restrict or block the cookies which are set on this Website (or, indeed, on any other Website) you can do this through your browser settings. The “Help” function within your browser should tell you how.

Alternatively, you may wish to visit which contains comprehensive information on how to do this on a wide variety of browsers. You will also find details on how to delete cookies from your computer, as well as more general information about cookies.

Please be aware that restricting cookies may mean that you will not be able to take full advantage of all the features or services available on this Website, and certain parts of the Website may not be accessible.

Contact Us

If you have any questions or concerns about cookies or your privacy when using this Website, please contact our Data Protection Officer with subject heading “Data Protection Queries”:

  1. By writing: Data Protection Officer Verge Capital Limited – Harcourt Centre, Harcourt Road, Dublin 2, D02 HW77, Ireland
  2. By calling: +353 (0) 1 477 3266
  3. By emailing: [email protected]