1. What Are Cookies

Cookies are small text files stored on your device to support website functionality and improve user experience.

2. Cookies Used by IOU Wallet

a) Essential Cookies: required for authentication, security, and session management.

b) Analytics Cookies (If Enabled): used to understand aggregate usage patterns and improve the platform; non-advertising and non-profiling; enabled only where consent is required and provided.

3. What We Do Not Use

IOU Wallet does not use advertising cookies, cross-site tracking cookies, or behavioural profiling cookies.

4. Third-Party Cookies

Where third-party services are used (e.g. analytics or settlement redirection), their cookie practices are governed by their respective policies.

5. Managing Cookies

Users can manage or disable cookies via browser settings. Disabling essential cookies may limit platform functionality.