xmoney.hk Cookie Policy (V1.0)

This Cookie Policy (hereinafter referred to as "this Policy") explains how the xmoney.hk platform ("we," "us," or "the Platform") uses Cookies and similar tracking technologies (such as web beacons, pixel tags, etc.) on our website and related services (collectively, the "Service"). This Policy is intended to help you understand what these technologies are, why we use them, and your rights to control our use of them.

This Policy supplements the xmoney.hk Terms of Service and Privacy Policy. By using our Service, you understand that we may use Cookies and similar technologies as described in this Policy.

Cookies are small text files that are placed on your device (computer, tablet, or mobile phone) by websites that you visit. They enable the website to remember your actions and preferences (such as login, language, font size, and other display preferences) over a period of time, so you don’t have to keep re-entering them whenever you come back to the site or browse from one page to another.

Similar technologies include, but are not limited to, web beacons, pixel tags, and local storage objects, which function similarly to Cookies by storing information or monitoring user activity. In this Policy, the term "Cookie" encompasses all such technologies.

We use Cookies primarily for the following purposes:

• 3.1. Strictly Necessary Cookies:

  These Cookies are essential for the operation of our website and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms.

  Legal Risk Mitigation: User consent is typically not required for these Cookies as the Service cannot function without them. However, we must inform users of their presence and necessity.

  Examples: Session Cookies (to maintain your login state), security Cookies (to prevent fraudulent activities), load balancing Cookies.

• 3.2. Performance and Analytics Cookies:

  These Cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us know which pages are the most and least popular and see how visitors move around the site.

  Risk Mitigation: All information these Cookies collect is aggregated and therefore anonymous. If you do not allow these Cookies, we will not know when you have visited our site and will not be able to monitor its performance.

  Example: Google Analytics Cookies (to analyze website traffic and user behavior).

• 3.3. Functionality Cookies:

  These Cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages.

  Risk Mitigation: If you do not allow these Cookies, then some or all of these services may not function properly.

  Examples: Cookies that remember your language preferences, region settings, or interface customizations.

• 3.4. Targeting or Advertising Cookies:

  Risk Disclaimer: Currently, the xmoney.hk platform, as a matter of principle, does not actively use Targeting Cookies to build user profiles or deliver personalized advertising. Should we decide to use such Cookies in the future, we will update this Policy and provide explicit consent options.

  Note: Certain third-party services embedded on our site (e.g., video players, social media plugins) may set their own Targeting Cookies, which are beyond our control (see Section 5).

• First-party Cookies: Placed directly by us onto your device.
• Third-party Cookies: Placed by a third-party service provider (e.g., Google Analytics) on our behalf.
• Session Cookies: Exist only during your browser session and are deleted when you close your browser.
• Persistent Cookies: Remain on your device after you close your browser until they reach a set expiration date or are manually deleted by you.

Please be aware that our website may contain links to or embedded content from third parties (e.g., payment gateway interfaces, analytics tools). These third parties may use their own Cookies to collect information about your online activities.

Risk Disclaimer: We have no control over the placement of, or access to, these third-party Cookies. Their data processing activities are governed by their respective privacy policies, not this Policy. We strongly advise you to review the privacy and cookie policies of these third parties to understand how they use your information and how to opt-out. We assume no responsibility or liability for the privacy practices or Cookie usage of any third party.

You have the right to decide whether to accept or reject Cookies.

• 6.1. Cookie Consent Tool (If deployed):

  You may manage your Cookie preferences through the Cookie consent banner or settings tool provided on our website when we first request your consent. You can change or withdraw your consent at any time via this tool (usually accessible via a link in the footer).

  Risk Mitigation: This tool cannot be used to block "Strictly Necessary Cookies" as they are fundamental to the Service's operation.

• 6.2. Browser Settings:

  Most web browsers automatically accept Cookies, but usually allow you to modify your browser settings to decline Cookies or notify you when a Cookie is being set. How to do this varies by browser; consult your browser's "Help," "Tools," or "Edit" menu for instructions.

  Risk Warning: Please note that if you choose to block or delete Cookies (especially "Strictly Necessary Cookies"), some parts or functionalities of our website may not work correctly, and your user experience may be affected.

We may update this Cookie Policy from time to time to reflect changes in the Cookies we use or for other operational, legal, or regulatory reasons. Please therefore re-visit this Policy regularly to stay informed about our use of Cookies and related technologies. The date at the top of this Policy indicates when it was last revised.

This Policy is written in English. We may provide translations into Chinese or other languages. All translated versions are provided solely for user convenience. In the event of any conflict, ambiguity, or inconsistency between the English version and any translated version, the English version shall prevail. The English version possesses final and exclusive legal binding force.

If you have any questions about our use of Cookies or other technologies, please contact our Data Protection Officer:

Email: privacy@xmoney.hk