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Legal

Cookie Policy

Effective date

1. Scope

This Cookie Policy explains how MBI uses cookies, local storage, pixels, and similar technologies on mbi.unigrate.com and related web applications.

It should be read together with the Privacy Policy.

A cookie is a small data file stored on a user's device when a website is visited.

Similar technologies, including local storage and software identifiers, can perform related functions. In this Policy, "cookies" includes these technologies where relevant.

MBI may use the following categories.

Strictly necessary

These technologies are required to provide or secure the website or Service.

They may be used for:

  • authentication and login;
  • session management;
  • security and fraud prevention;
  • load balancing;
  • network management;
  • account routing;
  • saving privacy or cookie choices; and
  • other functions necessary to provide a feature requested by the user.

Strictly necessary cookies do not require consent where applicable law permits them without consent.

Preferences and functionality

These technologies remember optional choices, such as interface preferences or other non-essential settings.

They are used only where permitted by law and, where required, after consent.

Analytics

Analytics technologies help MBI understand how the website and Service are used, identify errors, measure performance, and improve features.

Where consent is required, analytics technologies are disabled until consent is provided.

Marketing

MBI does not set optional marketing or advertising cookies unless they are specifically identified in the cookie settings interface and the user has provided any consent required by law.

The Cookie settings interface is the authoritative current inventory of cookies and similar technologies used on the website.

For each non-essential technology, the interface must identify, as applicable:

  • provider;
  • purpose;
  • category;
  • whether it is first-party or third-party; and
  • duration or expiry.

The inventory is updated when the technologies used by the Service change.

This approach allows MBI to change infrastructure, analytics, or service providers without leaving an outdated static cookie table in this Policy.

Where consent is required, MBI does not place or access non-essential cookies before the user has made a choice.

Users must be able to:

  • accept optional cookies;
  • reject optional cookies; and
  • choose categories where relevant.

Rejecting optional cookies does not prevent access to the core Service, although optional features that depend on those technologies may not function.

Users can change or withdraw cookie consent at any time through the Cookie settings control made available in the website footer or consent interface.

Withdrawal applies going forward. Some cookies already stored on the device may remain until they expire or are deleted through browser settings.

7. Browser settings

Most browsers allow users to view, block, or delete cookies.

Blocking strictly necessary cookies may prevent parts of the Service from functioning.

Browser controls operate separately from MBI's own cookie consent interface.

8. Third-party technologies

Some optional technologies are provided by third parties.

Where a third party processes personal data on MBI's behalf, MBI applies appropriate contractual and data-protection safeguards.

Where a third party acts as an independent controller for its own purposes, its privacy information applies to that processing.

MBI may update this Policy when technology, legal requirements, or Service functionality changes.

The current cookie settings interface reflects the technologies actually enabled in production.

10. Contact

Questions about cookies or privacy can be submitted using the contact details shown in the MBI website footer or account area.

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