Cookie Policy

Effective Date: February 27, 2026

1. Introduction

This Cookie Policy explains how ScoreAm, a subsidiary of MoStore Holdings LTD ("Company," "we," "our," "us"), uses cookies, web beacons, tracking pixels, and other tracking technologies when you visit or use our website, mobile application, or other Services. This policy is part of and incorporated into our Privacy Policy and Terms of Service.

BY CONTINUING TO USE OR ACCESS OUR SERVICES, YOU ARE CONSENTING TO OUR USE OF COOKIES AND SIMILAR TRACKING TECHNOLOGIES DESCRIBED HEREIN.

If you do not agree to our use of tracking technologies, you may disable them in your browser settings (see Section 4). However, please note that disabling certain cookies will severely degrade the functionality of the ScoreAm Services and may prevent you from utilizing our core financial tools.

2. What are Cookies and Tracking Technologies?

A "cookie" is a string of information that assigns you a unique identifier that we store on your computer, mobile device, or within your web browser. Your browser then provides that unique identifier to use each time you submit a query to the Services. We use cookies on the site to, among other things, keep track of services you have used, record registration information, record your user preferences, keep you logged into the site, facilitate purchase procedures, and track the pages you visit. Cookies help us understand how the Site is being used and improve your user experience.

3. Types of Cookies We Use

We use the following types of cookies to operate the Services:

  • Strictly Necessary/Essential Cookies: These cookies are essential for the operation of our Services. They enable core functionalities such as security, credential authentication, network management, and accessibility. You cannot opt out of these cookies without affecting how our Services function.
  • Performance & Analytics Cookies: We utilize third-party analytics services (such as Google Analytics) to collect aggregated data about how visitors use our Services. These cookies track metrics like time spent on pages, pages visited, and geographical location. This data is strictly used to improve our product offerings and the performance of the UI/UX.
  • Functionality & Personalization Cookies: These cookies allow the Services to remember the choices you make (such as your username, language, or region) and provide enhanced, more personal features.
  • Targeting & Advertising Cookies ("Third-Party Cookies"): Our Partner Institutions (lenders), third-party advertising networks, and data providers may place cookies on your device to serve targeted advertisements relevant to your interests, both on ScoreAm and across the web. These cookies measure the effectiveness of advertising campaigns.

4. Managing and Controlling Cookies

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies entirely.

DISCLAIMER: MOSTORE HOLDINGS LTD AND SCOREAM DISCLAIM ALL LIABILITY FOR ANY BROKEN FUNCTIONALITY, INACCESSIBILITY, ERRORS, OR INABILITY TO ACCESS LOAN MATCHING SERVICES RESULTING FROM YOUR DECISION TO DISABLE OR DELETE ESSENTIAL COOKIES. YOU ASSUME ALL RESPONSIBILITY FOR THE IMPACT OF YOUR COOKIE PREFERENCES.

To control or delete cookies, please consult the "Help" section of your specific browser software.

5. Third-Party Tracking Liability

Please be aware that when you click on links to our Partner Institutions or view third-party content on ScoreAm, those third parties may also use cookies or tracking technologies. ScoreAm does not control the tracking technologies deployed by these third parties. We assume no liability for the data collection, privacy practices, or cookie usage of any Partner Institution or third-party service outside of the ScoreAm domain.

6. Changes to this Cookie Policy

We may periodically update this Cookie Policy. Any changes will become effective immediately upon posting to the Site. We encourage you to review this Cookie Policy regularly to stay informed regarding our use of cookies and related technologies.

7. Contact Us

For inquiries concerning our use of cookies, tracking technologies, or this Cookie Policy, contact us at:

ScoreAm Privacy Office
MoStore Holdings LTD
Lagos, Nigeria
Email: disputescoream@mozdev.co.za