1.Introduction

This Cookie Policy applies to all users of the www.fgc.ee website. The following information is intended to inform the users of this website about the placement, use and management of cookies by Fondul de Garantare si Creditare OÜ in the context of user navigation on this website.

2. What are cookies?

We use the term "cookies" to refer to cookies and similar technologies through which information can be collected automatically.

An "Internet Cookie" (term also known as "browser cookie" or "HTTP cookie" or "cookie") is a small file, consisting of letters and numbers, which will be stored on the computer, mobile terminal or other equipment of a user through which the Internet is accessed.

Cookies are installed by the request issued by a web server to a browser (eg: Internet Explorer, Firefox, Chrome). Once installed, cookies have a fixed lifetime, remaining "passive", in the sense that they do not contain software, viruses or spyware and will not access information on the hard drive of the user on whose equipment they were installed.

A cookie consists of two parts:

the name of the cookie; and

the content or value of the cookie.

From a technical point of view, only the web server that sent the cookie can access it again when a user returns to the web page associated with that web server.

3. For what purposes are cookies used through this website

Cookies are used to provide users of this website with a better browsing experience and services adapted to the needs and interests of each individual user, namely for:

• improving the use of this website, including by identifying any errors that occur while users are visiting/using it;

• providing anonymous statistics on how this website is used to Fondul de Garantare si Creditare OÜ, as the owner of this website;

Based on feedback sent via cookies about how this website is used, Fondul de Garantare si Creditare OÜ may adopt measures to make this website more efficient and accessible to users.

Thus, the use of cookies allows the memorization of certain settings/preferences established by the users of this website.

• lthe room in which a web page is viewed;

• posting comments on the site.

4. What is the lifespan of cookies?

The lifetime of cookies can vary significantly, depending on the purpose for which it is placed. There are the following categories of cookies that also determine their lifetime:

• Session Cookies – A "session cookie" is a cookie that is automatically deleted when the user closes their browser.

• Persistent or Fixed Cookies – A "persistent" or "fixed cookie" is a cookie that remains stored on the user's terminal until it reaches a certain expiration date (which may be minutes, days or years in the future) or until to its deletion by the user at any time through the browser settings.

5. What are cookies placed by third parties?

Certain sections of content on the website may be provided through third parties, ie not by Fondul de Garantare si Creditare OÜ, in which case these cookies are called cookies placed by third parties ("third party cookies").

Third-party cookie providers must also comply with data protection rules

These cookies may come from the following third parties: Google Analytics, Facebook, Instagram

6. What cookies are used through this website

By using/visiting the website, the following cookies can be placed:

a. Website performance cookies;

b. User analysis cookies;

c. Cookies for geotargetting;

d. Registration cookies;

a. Performance cookies

With this type of cookies, the preferences of the user of this website are stored, so that setting the preferences again in the case of a subsequent visit to the website is no longer necessary.

b. User analysis cookies

These cookies inform us if a particular website user has visited/used this website before. These cookies are used for statistical purposes only.

c. Cookies for geotargetting

These cookies are used by a software that determines the country of origin of the user of the internet page.

7. What type of information is stored and accessed through cookies?

Cookies store information in a small text file that allows the browser to be recognized. This website recognizes the browser until the cookies expire or are deleted.

8. Customizing your browser settings regarding cookies

If the use of cookies is not bothersome and the computer or technical equipment used to browse this website is used only by you, long expiration periods can be set for deleting the browsing history.

If the computer or technical equipment used to browse this website is used by several people, the setting to delete individual browsing data each time the browser is closed can be considered.

9. How can cookies be turned off?

Disabling and refusing to receive cookies can make this website difficult to visit, leading to limitations in its usability.

Users can configure their browser to reject cookies or to accept cookies from a specific web page.

All modern browsers offer the possibility to change cookie settings. These settings can usually be accessed in the "options" section or in the "preferences" menu of your browser.

However, refusing or deactivating cookies does not mean that you will no longer receive online advertising - only that it will not be adapted to your preferences and interests, highlighted by your browsing behavior.

To understand these settings, the following links may be useful:

• Cookie settings in Internet Explorer

• Cookie settings in Firefox

• Cookie settings in Chrome

• Cookie settings in Safari

For any additional questions about how cookies are used through this website, please contact: gdpr@fgc.ee