Cookie Policy

Republic of Ireland – ePrivacy & GDPR Compliant

Effective Date: 25 February 2026 | Last Updated: 25 February 2026

1. Introduction

This Cookie Policy explains how Amanie Advisors Limited trading as XPO Real (“XPO Real”, “we”, “us”, “our”) uses cookies and similar technologies on our website.

This Policy should be read together with our:

  • Privacy Policy
  • Terms and Conditions

XPO Real provides unsecured business funding exclusively to business entities acting in the course of trade, business, or profession. We do not provide consumer credit services.

2. What Are Cookies?

Cookies are small text files placed on your device (computer, tablet, mobile device) when you visit a website.

They are widely used to:

  • Enable website functionality
  • Improve user experience
  • Provide analytics
  • Support security
  • Enable marketing communications

Cookies may collect information that constitutes personal data under the General Data Protection Regulation (GDPR).

3. Legal Basis for Use of Cookies

The use of cookies is governed by:

  • The European Communities (Electronic Communications Networks and Services) (Privacy and Electronic Communications) Regulations 2011 (S.I. No. 336/2011) (as amended); and
  • Regulation (EU) 2016/679 (GDPR)

We rely on the following lawful bases:

3.1 Strictly Necessary Cookies

Used on the basis of legitimate interest (Article 6(1)(f) GDPR). No consent is required.

3.2 Analytics and Performance Cookies

Used only where you provide prior consent (Article 6(1)(a) GDPR).

3.3 Marketing and Advertising Cookies

Used only where you provide prior consent.

You may withdraw consent at any time via the Cookie Preferences link on our website.

4. Categories of Cookies We Use

4.1 Strictly Necessary Cookies

These cookies are essential for:

  • Website security
  • Authentication
  • Fraud prevention
  • Network management
  • Load balancing
  • Saving consent preferences

Without these cookies, the website cannot function properly. These cookies do not require prior consent.

Examples may include: Session cookies, Security cookies, Cookie consent tracking cookie.

4.2 Performance and Analytics Cookies

These cookies allow us to:

  • Measure website traffic
  • Analyse user behaviour
  • Improve functionality
  • Monitor performance
  • Understand engagement with funding content

Information collected may include: IP address (anonymised where possible), Device type, Browser type, Pages visited, Time spent on pages.

Analytics cookies are only activated after you provide consent.

4.3 Marketing and Advertising Cookies

These cookies may be used to:

  • Deliver relevant business-related advertisements
  • Measure marketing effectiveness
  • Track engagement with campaigns
  • Prevent repeated advertising

These cookies may be placed by: XPO Real, Our marketing service providers, Business partners.

We do not sell personal data.

Marketing cookies are only activated following your explicit consent.

4.4 Functional Cookies

These cookies remember: User preferences, Form inputs, Login session details.

They enhance user experience but are not strictly necessary.

Consent may be required depending on functionality.

5. Third-Party Cookies

We may use trusted third-party providers for:

  • Website hosting
  • Analytics services
  • Marketing communications
  • CRM integration
  • Payment processing

These providers may place cookies subject to: Data Processing Agreements, GDPR-compliant safeguards, EEA data transfer protections.

We do not control third-party cookies directly. You should review the privacy notices of those providers where relevant.

6. Data Collected Through Cookies

Depending on your consent settings, cookies may collect:

  • IP address
  • Device identifiers
  • Browser type
  • Geographic region (approximate)
  • Interaction data
  • Session duration

Where such information can identify an individual, it is processed in accordance with our Privacy Policy.

7. Retention Period

Cookies remain on your device for varying periods:

  • Session cookies: deleted when browser closes
  • Persistent cookies: remain until expiry or deletion

Retention periods are proportionate and aligned with business and compliance needs.

8. Managing Your Cookie Preferences

You can manage your cookie preferences by:

  • Clicking the “Cookie Settings” link on our website
  • Adjusting your browser settings
  • Deleting cookies via browser tools

Please note:

  • Disabling strictly necessary cookies may impair website functionality
  • Withdrawing consent does not affect prior lawful processing

9. International Transfers

Where third-party service providers are located outside the EEA, appropriate safeguards will be implemented, including:

  • Standard Contractual Clauses
  • Adequacy decisions
  • Equivalent security protections

10. Updates to This Policy

We may update this Cookie Policy from time to time to reflect:

  • Legal changes
  • Regulatory guidance
  • Changes in technology
  • Updates to website functionality

Updated versions will be published with a revised “Last Updated” date.

11. Contact Details

If you have questions regarding this Cookie Policy, please contact:

Data Protection Contact
Amanie Advisors Limited trading as XPO Real
12 Marlborough Road, Dublin 7, Dublin, D07 W2T8, Ireland
funding@xporeal.com

You have the right to lodge a complaint with the Data Protection Commission (Ireland) at www.dataprotection.ie.

Regulatory Positioning Statement

XPO Real is not a bank, is not authorised or regulated by the Central Bank of Ireland, and provides unsecured business funding only to business entities acting in the course of trade or profession.

Nothing in this Cookie Policy constitutes financial advice or consumer credit services.

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