Cookie Policy

This Cookie Policy is published by Baron Meddy Financial Inc., a corporation organized under the laws of the State of New York, with its principal place of business at 285 Fulton Street, New York, NY 10007. It explains how Baron Meddy Financial uses cookies and similar tracking technologies on its website at www.baronmeddy.com and across its affiliated platforms — yieldOS, BMRegistry, BMIQ, and ScoreStride (collectively, "the Platforms").

This Cookie Policy should be read together with our Privacy Policy, Terms of Use, and Disclosures, all of which form part of the legal framework governing your relationship with Baron Meddy Financial. Where this Cookie Policy addresses topics also covered in the Privacy Policy — particularly around data collection and processing — the Privacy Policy provides additional detail and should be consulted alongside this document.

By continuing to use the Baron Meddy Financial website or Platforms after being presented with information about our cookie use, you acknowledge that you have read and understood this Cookie Policy. Where applicable law requires your consent before non-essential cookies are set, we will obtain that consent through an appropriate consent mechanism before placing those cookies on your device.

A cookie is a small text file that is placed on your device — computer, tablet, or smartphone — by a web server when you visit a website. Cookies are widely used by websites and online platforms to make them function efficiently, to remember your preferences, to improve your browsing experience, and to provide information to the owners of the website about how the site is being used.

Cookies can be categorized in several ways:

• Session Cookies vs. Persistent Cookies: Session cookies are temporary files that are deleted from your device when you close your browser. Persistent cookies remain on your device for a set period of time — defined by their expiry date — or until you delete them manually. Baron Meddy Financial uses both session and persistent cookies for the purposes described in this Policy.
• First-Party Cookies vs. Third-Party Cookies: First-party cookies are set directly by the Baron Meddy Financial website or Platforms — i.e., by the domain you are visiting. Third-party cookies are set by a domain other than the one you are visiting, typically through embedded content or scripts from third-party service providers. Baron Meddy Financial uses primarily first-party cookies; where third-party cookies are used, this is disclosed in Article 10.
• Similar Technologies: In addition to cookies, we may use similar tracking technologies — including web beacons, pixel tags, local storage, and session storage — for purposes functionally similar to cookies. References to "cookies" in this Policy include these similar technologies unless otherwise specified.

Cookies do not contain executable code and cannot be used to access your device, files, or personal information beyond what you have provided to the website that set them. They cannot carry viruses or install malware on your device.

Baron Meddy Financial uses cookies on the following legal bases, depending on the category of cookie and the jurisdiction in which you are located:

• Strictly Necessary Cookies — No Consent Required: Strictly necessary cookies are essential for the operation of our website and Platforms and are placed on the basis of our legitimate interest in providing a functioning, secure website. Under the EU ePrivacy Directive, the UK Privacy and Electronic Communications Regulations (PECR), and equivalent legislation in other jurisdictions, consent is not required for strictly necessary cookies. These cookies cannot be disabled without impairing the core functionality of the website.
• Non-Essential Cookies — Consent Required (EEA, UK, and applicable jurisdictions): For users located in the European Economic Area, the United Kingdom, and other jurisdictions where applicable law requires prior consent for non-essential cookies, we obtain your consent before placing performance, analytics, and functionality cookies on your device. You may withdraw this consent at any time through the methods described in Article 11.
• Legitimate Interests (where consent is not required): In jurisdictions where applicable law does not require prior consent for non-essential cookies, we may place certain analytics and functionality cookies on the basis of our legitimate interest in understanding how our website is used and improving the user experience, provided that this interest is not overridden by your privacy rights and interests.

Regardless of jurisdiction, Baron Meddy Financial does not place advertising, behavioral tracking, or cross-site tracking cookies, and does not require your consent for cookies that are strictly necessary for the operation of our website and Platforms.

The following table provides an overview of the categories of cookies used on the Baron Meddy Financial website and Platforms, their purpose, and whether they require your consent:

The specific cookies placed on your device will depend on the pages you visit, the platform features you use, and your jurisdiction. A more detailed description of each cookie category is provided in Articles 5 through 8 below.

Strictly necessary cookies are essential for the basic operation of the Baron Meddy Financial website and Platforms. Without these cookies, core features of the website — including secure form submission, user authentication, session management, and security protections — cannot function. These cookies do not collect information that could be used to identify you for marketing purposes and are not used for any purpose other than enabling the core functionality of the website.

The strictly necessary cookies we use include the following types:

• Session Management Cookies: These cookies maintain your session state as you navigate between pages on the Baron Meddy Financial website or within a Platform. They ensure that information you have entered — such as form data or authentication status — is preserved as you move through the site. Session cookies of this type are deleted when you close your browser.
• CSRF Protection Tokens: Cross-Site Request Forgery (CSRF) protection tokens are placed as cookies or in session storage to prevent malicious third-party websites from submitting unauthorized requests on your behalf. These are a fundamental security requirement for any website that accepts form submissions or user authentication.
• Authentication Cookies: Where you create an account on one of the Baron Meddy Financial Platforms and log in, authentication cookies are used to maintain your logged-in state across page loads and navigation. These cookies are tied to your session and expire when you log out or close your browser, unless you select a "remember me" option.
• Load Balancing Cookies: These cookies are used by our hosting infrastructure to distribute traffic across servers, ensuring consistent performance and availability of the website and Platforms. They do not contain personally identifiable information and are set by our hosting infrastructure rather than by our application code.

Because strictly necessary cookies are essential for the operation of our website, they cannot be disabled through our cookie preference controls. You may be able to block these cookies through your browser settings, but doing so will impair the functionality of the website and may prevent you from using certain features, including form submission and account login.

Performance and analytics cookies help Baron Meddy Financial understand how visitors interact with its website and Platforms. The information collected by these cookies is used exclusively to improve the content, performance, and usability of our website — it is not used to identify individual users or for any marketing, advertising, or commercial profiling purpose.

The performance and analytics cookies we use collect the following types of information:

• Page Visit Data: Which pages on the Baron Meddy Financial website are visited most frequently, how much time visitors spend on each page, and the navigation paths users take through the site.
• Traffic Source Data: How visitors arrive at the Baron Meddy Financial website — whether through direct navigation, a search engine, a social media link, or a referring website. This information helps us understand which channels are most effective at reaching our audience.
• Error Reporting: Technical errors encountered by visitors — such as broken links, form submission failures, or page load errors — are logged to allow our technical team to identify and resolve issues that affect the user experience.
• Device and Browser Data: Aggregate data about the browsers, devices, operating systems, and screen resolutions used to access the website, used to ensure that the website is optimized for the devices most commonly used by our visitors.

All analytics data collected through these cookies is anonymized and aggregated before it is analyzed. We do not use analytics cookies to track individual users across sessions or across other websites. Where analytics cookies are provided by a third-party analytics service, that service is prohibited from using our analytics data for its own commercial purposes and is engaged as a data processor under a formal data processing agreement.

Performance and analytics cookies require your consent in jurisdictions where applicable law mandates prior consent for non-essential cookies. You may withdraw your consent at any time through the methods described in Article 11.

Functionality cookies allow the Baron Meddy Financial website and Platforms to remember choices and preferences you have made during your visit, so that we can provide a more personalized and convenient experience on subsequent visits. These cookies do not track your browsing activity across other websites and are not used for advertising or commercial profiling purposes.

The functionality cookies we use include:

• Country and Region Preferences: When you select your country through the country selector on our website, a functionality cookie stores your selection so that you are presented with the appropriate regional version of the website on future visits without needing to reselect your country each time.
• Language Preferences: As Baron Meddy Financial expands internationally and introduces localized versions of its website, functionality cookies will be used to remember your language preference so that content is presented in your preferred language on subsequent visits.
• Form Data Persistence: Where you have partially completed a form on our website — such as a contact form or inquiry form — functionality cookies or browser session storage may be used to temporarily preserve the data you have entered, so that it is not lost if you navigate away from the page and return. This data is not transmitted to our servers until you submit the form and is cleared when your browser session ends.
• UI Preferences: User interface preferences — such as the state of expandable sections, previously acknowledged notices, or display settings — may be stored in functionality cookies to provide a consistent experience across visits.

Disabling functionality cookies will not prevent you from using the Baron Meddy Financial website but may result in a less personalized experience and may require you to re-enter preferences on each visit. Functionality cookies require your consent in jurisdictions where applicable law mandates prior consent for non-essential cookies.

Security cookies are used by Baron Meddy Financial to protect the integrity and security of its website and Platforms, and to protect users from fraudulent activity, automated attacks, and unauthorized access. These cookies are treated as strictly necessary for security purposes and do not require your consent, as the protection of website security is a fundamental operational requirement.

The security cookies and related mechanisms we use include:

• Bot Detection and CAPTCHA: Where our website employs bot detection or CAPTCHA mechanisms to prevent automated submissions and attacks, cookies or local storage may be used to store the results of these checks, reducing the frequency with which you are asked to complete verification challenges.
• Rate Limiting Identifiers: Cookies may be used in conjunction with IP-based rate limiting to identify and restrict abusive or automated request patterns on our API endpoints and form submission handlers, without blocking legitimate users.
• Security Event Logging: In connection with our fraud detection and security monitoring systems, cookies may be used to associate request patterns with session identifiers for the purpose of detecting and investigating suspicious activity. Information collected through security cookies may be used in conjunction with IP address and user agent data to identify and respond to security incidents.
• Secure Flag and SameSite Enforcement: All cookies set by Baron Meddy Financial that contain session or authentication data are configured with the Secure flag (ensuring transmission only over HTTPS) and the SameSite attribute (preventing cross-site request forgery), in accordance with current browser security standards.

Security cookies are an essential component of our institutional-grade security infrastructure. Blocking security cookies through browser settings may trigger additional security challenges and may in some cases result in access to certain platform features being denied pending manual verification.

Baron Meddy Financial is committed to a privacy-first approach to cookie use. The following categories of cookies and tracking technologies are not used on the Baron Meddy Financial website or Platforms, and will not be introduced without explicit prior notice and, where required, your consent:

• Advertising and Behavioral Targeting Cookies: We do not use cookies that track your browsing behavior across websites for the purpose of building an advertising profile or targeting you with personalized advertisements. Baron Meddy Financial does not participate in advertising networks, programmatic advertising ecosystems, or behavioral targeting programs of any kind.
• Cross-Site Tracking Cookies: We do not use third-party cookies that track your activity across multiple websites beyond our own domain. We do not permit third-party advertising networks or data brokers to set tracking cookies through our website.
• Social Media Tracking Pixels: We do not embed social media tracking pixels — including Facebook Pixel, Twitter/X Pixel, LinkedIn Insight Tag, or equivalent tracking scripts from other social media platforms — on our website for the purpose of tracking conversions or building retargeting audiences.
• Fingerprinting: We do not use browser fingerprinting techniques — which collect combinations of device characteristics to identify users without cookies — for tracking, profiling, or advertising purposes. Device fingerprint components may be collected as part of our security and fraud detection processes, but solely for security purposes and not for tracking or commercial profiling.
• Supercookies and Evercookies: We do not use persistent tracking mechanisms designed to recreate cookies after deletion — including so-called "supercookies," "evercookies," localStorage-based tracking, or device-level identifiers — for the purpose of tracking users across sessions without their knowledge or consent.

Baron Meddy Financial uses primarily first-party cookies — cookies set directly by our own domain. In limited circumstances, cookies or similar technologies set by third-party service providers may be placed on your device in connection with your use of our website or Platforms. The following describes the third-party cookie scenarios that may arise:

• Analytics Service Providers: Where we use a third-party web analytics service to collect aggregated and anonymized usage data, that service may set cookies on our behalf as a data processor. Any such analytics provider is configured to anonymize IP addresses, disable data sharing with advertising networks, and restrict data use to analytics purposes only. The analytics service operates under a data processing agreement with Baron Meddy Financial.
• Security and Bot Detection Services: Where we use third-party bot detection or CAPTCHA services — such as Google reCAPTCHA or equivalent — those services may set their own cookies or use similar technologies as part of their fraud detection and security verification functions. The use of such services is governed by the respective service's own privacy and cookie policies.
• Payment Processing: Where payment processing functionality is embedded in our Platforms for subscription or service fee collection, the payment processor may set cookies as part of its fraud detection and payment verification processes. Baron Meddy Financial does not have access to payment processor cookies and is not responsible for the cookie practices of payment processors.
• Embedded Platform Links: Our website includes links to Baron Meddy Financial's affiliated platforms — yieldOS, BMRegistry, BMIQ, and ScoreStride — which are hosted on separate domains. When you navigate to these platforms, cookies set by those platforms are governed by the cookie practices applicable to each platform, which may differ from those described in this Policy.

Baron Meddy Financial does not permit third parties to set cookies on our website for advertising, behavioral tracking, or any purpose other than those described above. We review our third-party service provider relationships periodically to ensure that their cookie practices remain consistent with our privacy commitments.

You have several options for controlling and managing the cookies placed on your device by the Baron Meddy Financial website and Platforms. The available controls are described below:

• Browser Settings: All modern browsers provide built-in tools that allow you to view, manage, and delete cookies stored on your device. You can configure your browser to block all cookies, block only third-party cookies, or receive a notification before a cookie is stored. Instructions for managing cookies in the most commonly used browsers are provided below.
• Selective Cookie Acceptance: Where we present a cookie consent mechanism, you may use it to accept all non-essential cookies, reject all non-essential cookies, or make granular selections by cookie category. You may update your selections at any time by revisiting the cookie consent mechanism.
• Opt-Out of Analytics: If you wish to opt out of analytics data collection without disabling all cookies, you may be able to do so through browser-level opt-out mechanisms, such as the Global Privacy Control (GPC) signal or equivalent browser privacy settings, which Baron Meddy Financial will honor where technically feasible.

Managing cookies in your browser:

Baron Meddy Financial reviews and updates this Cookie Policy periodically to reflect changes in our cookie practices, the introduction of new platform features, changes in applicable law or regulatory guidance, and updates to third-party service provider relationships. The effective date and last updated date displayed in the header of this page reflect the most recent review.

Material changes to this Cookie Policy — such as the introduction of new categories of cookies or changes to the purposes for which existing cookies are used — will be communicated through a prominent notice on the Baron Meddy Financial website prior to the change taking effect. Where required by applicable law, we will seek your consent before implementing material changes to our non-essential cookie practices.

Non-material changes — such as clarifications, typographical corrections, or updates to browser guidance links — take effect immediately upon publication without prior notice.

If you have questions about this Cookie Policy, our cookie practices, or how to exercise your cookie preferences, please contact us:

This Cookie Policy was last reviewed and updated on January 1, 2026. Baron Meddy Financial Inc. All rights reserved.