This Cookies Policy explains how Finance Market — the website at financemarket.ae, related sub-domains and any mobile applications (the "Platform"), operated by Hamilton International Mortgage Consultant (Dubai DET Professional Licence No. 748683), Dubai, United Arab Emirates — uses cookies and similar technologies. It should be read together with our Privacy Policy.
1. What are cookies?
Cookies are small text files placed on your device when you visit a website. They help the website function, remember your preferences, and understand how it is used. We also use similar technologies such as pixels, tags, local storage and software development kits (SDKs) in our apps; in this Policy we refer to all of these as "cookies".
Cookies may be:
- Session cookies, which expire when you close your browser, or persistent cookies, which remain until they expire or you delete them;
- First-party cookies, set by us, or third-party cookies, set by our partners (for example, analytics or advertising providers).
2. How we use cookies and your consent
Under the UAE Personal Data Protection Law (Federal Decree-Law No. 45 of 2021), where cookies process your personal data we must have a lawful basis to do so. We use:
- Strictly necessary cookies without your consent, because they are essential for the Platform to work; and
- All other cookies (preferences, analytics and marketing) only with your consent.
When you first visit the Platform, we present a cookie consent banner that lets you accept all, reject non-essential cookies, or choose which categories to allow. Strictly necessary cookies cannot be switched off. You can change or withdraw your consent at any time (see Section 5).
3. Categories of cookies we use
3.1 Strictly necessary cookies (always active)
Essential for core functionality — for example, security, load balancing, session management, and remembering your cookie choices. The Platform cannot function properly without them, so they do not require consent.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
fm_session (confirm name) | Finance Market (first-party) | Maintains your logged-in session and platform state | Session |
XSRF-TOKEN / CSRF token (confirm name) | Finance Market (first-party) | Protects against cross-site request forgery (security) | Session |
fm_cookie_consent (confirm name) | Finance Market / consent tool (first-party) | Stores your cookie-consent choices so we don't re-ask | 12 months |
The exact names of our first-party cookies depend on our hosting stack and consent-management tool, and will be confirmed from a cookie scan before publication.
3.2 Preference / functional cookies (consent required)
Remember choices you make (such as language or region) to give you a more personalised experience.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
fm_lang (confirm name) | Finance Market (first-party) | Remembers your language (English/Arabic) preference | 12 months |
3.3 Analytics / performance cookies (consent required)
We use Google Analytics 4 (GA4) to understand how visitors use the Platform — which pages are viewed, how people navigate, and where errors occur — so we can improve it. These cookies are only set after you consent.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
_ga | Google (GA4) | Distinguishes unique users by assigning a randomly generated client ID | 2 years |
_ga_<container-id> (e.g., _ga_XXXXXXXXXX) | Google (GA4) | Persists session and engagement state for the GA4 property | 2 years |
_gid (if set by your GA configuration) | Google (GA) | Distinguishes users over a short period | 24 hours |
_gat_gtag_<id> (if set) | Google (GA) | Throttles the request rate (limits data collected on high-traffic sites) | 1 minute |
3.4 Marketing / advertising cookies (consent required)
We use the Meta (Facebook) Pixel and the TikTok Pixel, and (where applicable) Google Ads, to measure the performance of our advertising and to show you relevant ads on third-party platforms. These cookies are only set after you consent.
| Cookie | Provider | Purpose | Duration |
|---|---|---|---|
_fbp | Meta Platforms (first-party) | Identifies your browser to deliver and measure Facebook/Instagram ads | 90 days |
_fbc | Meta Platforms (first-party) | Stores the ad-click identifier (from fbclid) when you arrive via a Meta ad, for attribution | 90 days |
fr | Meta Platforms (third-party, set on facebook.com) | Encrypted Facebook ID and browser information used to deliver and measure ads | 90 days |
_ttp | TikTok (first-party) | Measures TikTok ad performance and links website events to TikTok for attribution and audiences | 13 months |
_tt_enable_cookie | TikTok (first-party) | Enables the TikTok Pixel to set and read its cookies | 13 months |
ttwid | TikTok (third-party, set on tiktok.com) | Ad delivery, measurement and fraud prevention | 13 months |
_gcl_au (if Google Ads is used) | Google (Conversion Linker) | Stores ad-click information to attribute conversions to Google Ads | 90 days |
We may add other advertising and measurement partners in the future (for example, additional ad networks or AI-based advertising platforms). Where we do, we will update this Cookies Policy and any new advertising cookies will continue to be set only after you consent.
4. Third-party cookies and how we track
Some cookies are set by third parties that provide analytics and advertising services on our behalf. The main ones are:
- Google Analytics 4 (GA4) — website analytics. Governed by Google's Privacy Policy and how Google uses data. IP addresses are not stored by GA4 in their full form.
- Meta (Facebook) Pixel — advertising measurement and audiences for Facebook and Instagram. Governed by Meta's Privacy Policy and Cookies Policy.
- TikTok Pixel — advertising measurement and audiences for TikTok. Governed by TikTok's Privacy Policy and Cookies Policy.
- Google Ads (if used) — conversion measurement for our search/display advertising.
These tools are loaded through a tag manager and only fire after you give consent via our cookie banner. These third parties may process data under their own policies, which we encourage you to review. We do not control third-party cookies.
Importantly, we do not send your sensitive information — such as your name, Emirates ID, passport, salary, bank statements or other KYC and financial data — to these analytics or advertising tools. They are used only to understand general website usage and advertising performance, not to share your application data.
5. Managing your cookie choices
You can control cookies in several ways:
- Consent banner / preference centre. Use our cookie banner or the "Cookie settings" link [
[●]— link to be added] on the Platform to accept, reject or change your choices at any time. - Browser settings. Most browsers let you block or delete cookies. Note that blocking strictly necessary cookies may stop parts of the Platform from working.
- Third-party opt-outs. You can also opt out directly: for Google Analytics, install the Google Analytics Opt-out Browser Add-on; for Meta/Facebook ads, adjust your Facebook ad preferences; for TikTok ads, use the ad personalisation settings in your TikTok account privacy settings; for Google Ads, use Google Ad Settings.
Withdrawing consent does not affect cookies already placed before withdrawal, but those cookies will no longer collect new data once disabled, and you may delete them via your browser.
6. Changes to this Cookies Policy
We may update this Cookies Policy from time to time to reflect changes in the cookies we use or in the law. We will post the updated Policy with a new "Last updated" date.
7. Contact
Questions about this Cookies Policy:
Hamilton International Mortgage Consultant — operator of Finance Market
Professional Licence No. 748683 (Government of Dubai, Department of Economy and Tourism)
Office 201, Al Masaood Building, 54 Al Maktoum Road, Riggat Al Buteen, Deira, Dubai, United Arab Emirates — P.O. Box 12875
Email: [email protected]
8. Governing language
This Cookies Policy is drafted in English; the Arabic version is provided for convenience only. In the event of any inconsistency between the two, the English version shall prevail.