Cookie Policy

Cookies are small text files that a website places on your device (computer, tablet, or smartphone) when you visit it. They are stored in your browser and sent back to the originating website each time you return, allowing the site to recognise your device and remember certain information about your visit.

Cookies serve many purposes — from keeping you logged into a website to helping advertisers show you relevant products. Not all cookies collect personal information. Many simply help a website work properly or remember your preferences.

Types of Cookies by Origin

• First-party cookies are set directly by TurnetFinance (the website you are visiting). These are used for essential functionality and analytics.
• Third-party cookies are set by external services embedded in TurnetFinance — such as Google Analytics, advertising networks, and affiliate tracking systems. These third parties may collect data about your browsing activity across multiple websites.

Types of Cookies by Duration

• Session cookies are temporary and are deleted automatically when you close your browser. They do not persist between visits.
• Persistent cookies remain on your device for a set period of time — ranging from days to years — or until you manually delete them. They allow websites to recognise you when you return.

Similar Technologies

In addition to cookies, TurnetFinance and its third-party partners may use similar tracking technologies including:

• Web beacons (pixels): Tiny invisible images embedded in pages or emails that signal when content has been viewed or loaded
• Local storage: Browser-based storage (separate from cookies) that some tools use to save preferences on your device
• Fingerprinting: Some advertising networks may collect device characteristics (screen size, fonts, browser version) to create a device identifier without using cookies

All references to “cookies” in this policy also apply to these similar technologies unless stated otherwise.

TurnetFinance uses five categories of cookies. Here is a quick overview before we go into full detail on each:

Essential cookies are strictly necessary for turnetfinance.com.ng to function. They cannot be switched off in our systems, and they do not require your consent under Nigerian data protection law or international standards, because they do not collect personal information and exist solely to enable basic website functionality.

These cookies are set exclusively by TurnetFinance (first-party) and do not transmit data to any third party.

We use analytics cookies to understand how visitors engage with TurnetFinance so we can improve our content and tools. All analytics data is aggregated and anonymised — we see patterns and trends, not individual identities.

Google Analytics 4 (GA4)

Our primary analytics tool is Google Analytics 4. It sets cookies on your browser to collect data including pages visited, session duration, device type, general geographic location (city-level), traffic source, and events like tool usage. This data is processed by Google on servers outside Nigeria and is subject to Google’s privacy policy.

To opt out of Google Analytics tracking across all websites, install the free Google Analytics Opt-out Browser Add-on.

TurnetFinance carries advertising from third-party networks. These networks place their own cookies on your browser to deliver relevant ads, measure ad performance, and build user interest profiles. These are the cookies that are most likely to affect your broader browsing experience.

Google AdSense / Google Ad Manager

Google serves personalised advertisements on TurnetFinance using cookies that track your browsing history across Google’s network of partner websites. Google uses this data to show you advertisements relevant to your interests.

When you click an affiliate link on TurnetFinance, our affiliate partners set a tracking cookie on your browser. This cookie is used exclusively to attribute any qualifying conversion — such as opening a savings account, taking a loan, or registering on a platform — to TurnetFinance for commission purposes.

These cookies are set by the partner — not by TurnetFinance directly. They are triggered only when you actively click an affiliate link. Simply visiting TurnetFinance does not set affiliate cookies.

Affiliate tracking cookies do not cost you anything. They do not change the price you pay or the terms you receive from the partner platform. In many cases, following our affiliate link may give you access to promotional sign-up bonuses.

TurnetFinance uses tracking pixels from social media platforms to measure the effectiveness of our social media advertising campaigns and to build custom audiences for future campaigns. These pixels are placed by the social media platforms themselves — not by TurnetFinance — and are governed by those platforms’ privacy policies.

The following table provides a consolidated reference of all cookies known to be active on TurnetFinance. Third-party advertising cookies may vary as ad networks rotate and update their technology.

You can control cookies directly through your web browser settings. Here are instructions for the most commonly used browsers. Note that blocking all cookies may affect the functionality of some websites.

For advertising and targeting cookies specifically, you have access to industry opt-out tools that allow you to opt out of interest-based advertising from many networks at once without having to manage individual browser settings:

• Google Ad Settings: Manage or disable Google’s personalised ads — visit adssettings.google.com. You can turn off personalised ads entirely or manage individual topics and advertisers.
• Network Advertising Initiative (NAI) Opt-Out: Opt out of interest-based advertising from multiple participating ad networks simultaneously at optout.networkadvertising.org.
• Digital Advertising Alliance (DAA) Consumer Choice: Available at optout.aboutads.info — covers many US and international advertisers.
• Your Online Choices (EU/UK): Visit youronlinechoices.com for opt-out from European Interactive Digital Advertising Alliance member networks.
• Meta (Facebook) Ad Preferences: Visit facebook.com/settings/?tab=ads to control how Meta uses your data for advertising, including off-Facebook activity.
• TikTok Privacy Settings: In the TikTok app, go to Profile → Settings → Privacy → Ads to manage interest-based advertising preferences.

When you first visit TurnetFinance, a cookie consent banner is displayed giving you the option to accept or reject non-essential cookies. Here is how our consent system works:

• Essential cookies are always active — they do not require consent because they are strictly necessary for the website to function and collect no personal data.
• Non-essential cookies — analytics, advertising, social media pixels, and affiliate tracking cookies — are only activated after you provide consent through the banner, or when you actively click an affiliate link (for affiliate cookies).
• Your consent is stored in a first-party cookie (tf_cookie_consent) so we do not show you the banner on every page. This preference is stored for one year.
• You can change your mind at any time. To withdraw consent or update your preferences after initial acceptance, you can clear your browser cookies (which will reset the consent cookie and trigger the banner again on your next visit), or use your browser settings to block specific cookie categories.
• Consent is freely given. Rejecting non-essential cookies does not block access to any content or tool on TurnetFinance. Everything remains fully accessible whether you accept or reject advertising cookies.

TurnetFinance reserves the right to update this Cookie Policy at any time to reflect changes in:

• The cookies and tracking technologies we use as our platform grows and adds new features
• New advertising network partnerships or changes to existing ones
• Updates to Nigerian data protection law or international cookie regulations
• Changes to third-party services embedded on TurnetFinance

When we make changes to this policy, we will update the “Last Updated” date at the top of the page. For significant changes — such as adding a new category of tracking technology — we will notify newsletter subscribers and display a notice on our homepage.

We encourage you to review this Cookie Policy periodically. The most current version will always be available at turnetfinance.com.ng/cookie-policy.

If you have questions about our use of cookies, want to understand more about a specific cookie or tracking technology on TurnetFinance, or believe we are using cookies in a way that violates your rights, please contact us. We respond within 48 hours on weekdays.