Cookie Policy

Please read this cookie policy carefully as it contains important information on who we are and how we use cookies on our website. This policy should be read together with our Privacy Policy (found here: www.stoa.money/privacy-policy] which sets out how and why we collect, store, use and share personal information generally, as well as your rights in relation to your personal information and details of how to contact us and supervisory authorities if you have a complaint.

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Who we are

This website is operated by The Stoa Corporation Limited (“we”, “us”, “our”).

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Our website

This cookie policy relates to your use of our website, stoa.money.

Throughout our website we may link to other websites owned and operated by certain trusted third parties which we think may be of interest to you. These other third party websites may also use cookies or similar technologies in accordance with their own separate policies. For privacy information relating to these other third party websites, please consult their policies as appropriate.

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Cookies

A cookie is a small text file which is placed on your device (e.g. computer, smartphone or other electronic device) when you use our website. We use cookies on our website. These help us recognise you and your device and store some information about your preferences or past actions.

For example, we may monitor how many times you visit the website, which pages you go to, or traffic data. This information helps us to build a profile of our users and ensure our site is working correctly. However, when we analyse this information it is often in aggregated or statistical format.

For further information on our use of cookies, including a detailed list of your information which we and others may collect through cookies, please see below.

For further information on cookies generally, including how to control and manage them, visit the guidance on cookies published by the UK Information Commissioner’s Office, www.aboutcookies.org or www.allaboutcookies.org.

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Consent to use cookies and changing settings

We will ask for your consent to place cookies or other similar technologies on your device, except where they are essential for us to provide you with a service that you have requested (e.g. logging into our website or signing up to our services).

You can withdraw any consent to the use of cookies or manage any other cookie preferences by visiting our cookie settings page at [INSERT LINK] and selecting to disable categories of non-essential cookies. It may be necessary to refresh the page for the updated settings to take effect.

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Our use of cookies

The table below provides more information about the cookies we use and why.

Essential cookies are those cookies that are required for the operation of our website. These essential cookies are always enabled because our website won’t work properly without them. They include, for example, cookies that enable you to log into secure areas of our website. You can switch off these cookies in your browser settings but you may then not be able to access all or parts of our website.

Non-essential cookies can be categorised into analytical/performance cookies, functionality cookies, targeting cookies, and social media cookies, and these are more particularly described on our cookie settings page (linked above).

Name
Who is cookie set by
Category
Purpose
Duration
Essential (we do not need to obtain your consent before using these cookies)
stoa_session, stoa_auth_refresh
Stoa, Clerk
Authentication & session
Keeps you logged in, maintains secure sessions, and prevents unauthorised access.
Short-lived.
stoa_csrf,stoa_nonce
Stoa
CSRF & request integrity
Protects forms and API calls from cross-site request forgery.
Session.
stoa_lb
Stoa
Load balancing & routing
Sticky routing so a user stays on the same server during a session.
Session.
stoa_flow
Stoa
Critical flow state (checkout/redirects)
Tracks Pot creation and deposit flow, including Open Banking/Yapily OAuth redirects so the user returns to the right place after bank consent.
1 hour.
clerk_mfa, clerk_device
Clerk
Security & abuse prevention
Completes set-up authentication and verifies trusted devices.
Session
stoa_cookie_consent
Stoa
Consent preferences
Remember the user’s cookie preferences so the user is not asked repeatedly.
6-12 months.
stoa_hubspot_id
Stoa
CRM
Remember the ID of the user within Stoa’s CRM, HubSpot, so the user is not asked to enter their email repeatedly.
6-12 months.
Non-essential cookies (we obtain your consent before using these cookies)
_ga, _ga_*
Google
Analytics
This is a web analytics service provided by Google Inc which uses cookies to show us how visitors found and explored our site, and how we can enhance their experience. It provides us with information about the behaviour of our visitors (e.g. how long they stayed on the site, the average number of pages viewed) and also tells us how many visitors we have had.
1 year.
_gcl_au, _gcl_aw
Google
Google Ads (Marketing)
Stores ad click info for conversion tracking and linker to campaign.
1 year.
_fbp
Meta
Ads (Marketing)
Distinguishes users for ad delivery/retargeting.
1 year.
_ttp
TikTok
Ads (Marketing)
Ad performance and attribution.
1 year.
_twt_id
Twitter
Ads (Marketing)
Ad performance and attribution.
1 year.
li_fat_id
Linkedin
Ads (Marketing)
Ad performance and attribution.
1 year.

Third party access to the cookies

The cookies we use will only be accessed by us and those third parties named in the table above for the purposes referred to in this cookie policy. Those cookies will not be accessed by any other third party.

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Third party cookies

Please note that third parties may also use cookies, over which we have no control. These third parties may include advertising networks or providers or external services like web traffic analysis services. To deactivate the use of third party cookies, you should visit the relevant consumer page to manage the use of cookies.

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How to turn off all cookies and consequences of doing so

If you do not want to accept any cookies, you may be able to change your browser settings so that cookies (including those which are essential to the services requested) are not accepted. If you do this, please be aware that you may lose some of the functionality of our website.

For further information about cookies and how to disable them please go to the guidance on cookies published by the UK Information Commissioner’s Office, www.aboutcookies.org or www.allaboutcookies.org.

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How to contact us

Please contact us if you have any questions about this cookie policy or the information we hold about you.

If you wish to contact us, please send an email to support@stoa.money or write to The Stoa Corporation Ltd, 20-22 Wenlock Road, London, England, N1 7GU, United Kingdom].

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Changes to this policy

This policy was published on 20th September 2025 and last updated on 20th September 2025.

We may change this policy from time to time, when we do we will inform you via publishing an updated version of the policy at [INSERT ADDRESS HERE].

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© 2025 Stoa Corporation Limited. All rights reserved.
Your eligible deposits are held by Griffin Bank Limited (the deposit-taker), a company registered in England and Wales, operating in the United Kingdom.

Griffin Bank Limited is authorised by the Prudential Regulation Authority (PRA) and regulated by the PRA and the Financial Conduct Authority (FCA). Griffin's firm reference number is 970920.

Your eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per depositor.

For disputes, you can refer complaints to the Financial Ombudsman Service. Griffin Bank Limited's paid-up capital and reserves exceed £70 million.