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🍪 Cookie Policy

MOM Finance  ·  Effective: 27 February 2026  ·  Version 2.0

ℹ️ This Cookie Policy explains how MOM Finance (“we”, “us”, or “our”) uses cookies on
https://momfinance.to.
Essential and Security cookies are required for platform operation and cannot be disabled.
All other cookies are optional.

1. Introduction

This Cookie Policy explains how MOM Finance uses cookies and similar technologies when you visit our Platform. It describes what cookies are, why we use them, and how you can control them. By continuing to use our Platform, you consent to our use of cookies as described here.

2. What Are Cookies?

Cookies are small text files placed on your computer or mobile device when you visit a website. They allow the website to recognise your device, remember your preferences, and provide a secure and personalised experience. Cookies are widely used across financial services platforms worldwide.

3. Why We Use Cookies

  • Security & Fraud Prevention: Protect your account and detect fraudulent activity
  • Authentication: Keep you securely logged in as you navigate the Platform
  • Language & Functionality: Remember your language preference and display settings
  • Performance & Analytics: Understand how you use our Platform to improve your experience
  • Regulatory Compliance: Meet AML/CTF and financial services regulatory requirements

4. Types of Cookies We Use

Cookie Type Purpose Duration Can You Disable?
Essential / Strictly Necessary Required for login, security, cart and payment processing. Session or up to 15 days NO — Required
Functionality Remember language, currency display, timezone preferences. Up to 1 year YES — Optional
Performance / Analytics Anonymous usage data (Google Analytics) to improve performance. Up to 2 years YES — Optional
Security Fraud detection, AML/CTF compliance, identity verification. Session or up to 30 days NO — Required

Essential and Security cookies are required for platform safety and regulatory integrity. If blocked, core functions may not work.

5. Specific Cookies We Use

Cookie Name Purpose Type
wordpress_logged_in_* Keeps you logged in to your account Essential
wordpress_sec_* Admin security verification Essential
wp-settings-* User interface preferences Functionality
woocommerce_cart_hash Remembers your transfer cart items Essential
woocommerce_items_in_cart Tracks transfer cart contents Essential
wp_woocommerce_session_* Maintains your session state Essential
PHPSESSID Preserves session state across pages Essential
mom_finance_lang Remembers your language preference (English / Tongan) Functionality
_ga Google Analytics – Distinguishes users Analytics
_gid Google Analytics – Distinguishes users daily Analytics
momfinance_2fa_verified Tracks two-factor authentication status Security
momfinance_device_id Device fingerprinting for fraud detection Security

Cookie names may vary slightly depending on your browser and platform configuration.

6. Third-Party Cookies

6.1 Google Analytics Analytics

We use Google Analytics to understand how visitors interact with our Platform. You may opt out via the Google Analytics Opt-out Browser Add-on.

6.2 Payment Processing Partner Essential

Our AUSTRAC-registered partner JATF & T Pty Ltd may set essential cookies to facilitate secure transaction processing and fraud prevention. These cannot be disabled as they are integral to regulated financial operations.

7. How to Control Cookies

7.1 Browser Settings

  • Google Chrome → Settings → Privacy and Security → Cookies and other site data
  • Mozilla Firefox → Options → Privacy & Security → Cookies and Site Data
  • Safari → Preferences → Privacy → Cookies and website data
  • Microsoft Edge → Settings → Privacy, search, and services → Cookies

7.2 Cookie Preference Centre

You may customise your cookie preferences at any time via the “Cookie Settings” link in our website footer. Note that Essential and Security cookies cannot be toggled off.

7.3 Do Not Track (DNT)

Our Platform does not currently respond to Do Not Track signals, as there is no consistent industry standard for handling these signals in regulated financial services environments.

8. Cookies on Mobile Devices

Cookies function identically on mobile browsers. You can manage cookies via your mobile browser settings or device privacy settings. Some mobile apps may use equivalent identifiers for session management and security purposes.

9. Impact of Disabling Cookies

If you disable essential cookies, you will not be able to:

  • Log in to your MOM Finance account
  • Complete money transfer transactions
  • Access secure areas of the Platform
  • Use the transfer cart or checkout functionality

Disabling analytics cookies will not affect your ability to use the Platform.

10. Updates to This Policy

We may update this Cookie Policy periodically. Significant updates will be posted here with a new Effective Date. We encourage you to review this policy regularly. Continued use of the Platform after any update constitutes your acceptance.

11. Contact Us

🇹🇴 Tonga Office

3 Tupoulahi Rd, Fasi & Afi
Nukuʻalofa, Tongatapu, Tonga
📞 +676 7774600 / +676 7711961
📧 info@momfinance.to

🇦🇺 Australia Office

6 Northall Rd, Mickleham VIC 3064
📞 +61 4 1234 5678
📧 info@momfinance.to

Last Updated: 27 February 2026. MOM Finance · https://momfinance.to

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