Cookie Policy

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website or use a web application. They are widely used to make websites work more efficiently, provide a better user experience, and give website owners information about how their site is being used. Cookies contain information that is transferred to your device's hard drive. They do not contain executable code and cannot be used to access other files on your device or install software. Each cookie is unique to your web browser and contains anonymous information. In addition to cookies, we may also use similar technologies such as: • Web beacons (also called "pixel tags" or "clear GIFs") — tiny transparent images embedded in web pages or emails • Local storage — browser-based storage that persists beyond sessions • Session storage — temporary browser storage cleared when you close your browser • Device fingerprinting — technical characteristics of your device used for security purposes

Illunwo Bank uses cookies and similar technologies for the following purposes: Authentication & Security: To verify your identity, maintain your session, and protect your account from unauthorized access. These are essential for the secure operation of our banking platform. Fraud Detection: To identify unusual patterns of behavior that may indicate fraudulent activity, protecting both you and the Bank from financial crime. Service Functionality: To remember your preferences, settings, and choices so you don't have to re-enter them every time you visit. Performance Monitoring: To understand how our platform performs, identify technical issues, and optimize loading times and responsiveness. Analytics: To understand how users interact with our platform, which features are most used, and where improvements can be made. This data is collected in aggregate and does not identify individual users. Compliance: To maintain records required by financial regulations, including audit trails of system access and transaction activity.

Some cookies on our platform are set by third-party services that we use to enhance our offering. These third parties may include: Analytics Providers: We use analytics services to understand platform usage. These providers may set their own cookies and collect data subject to their own privacy policies. Security Services: We use third-party security and fraud detection services that may set cookies to identify and prevent malicious activity. Payment Processors: When you initiate transactions, our payment processing partners may set cookies necessary for transaction processing and fraud prevention. We do not permit third-party advertising cookies on our banking platform. We carefully vet all third-party service providers and require them to maintain appropriate data protection standards. You can find more information about third-party cookies by visiting the privacy policies of the respective providers.

You have several options for managing cookies: Browser Settings: Most web browsers allow you to control cookies through their settings. You can typically find these settings in the "Options," "Preferences," or "Settings" menu of your browser. You can set your browser to: • Block all cookies • Block third-party cookies only • Alert you when a cookie is being set • Delete cookies when you close your browser Please note that blocking or deleting cookies may affect the functionality of our platform. In particular, blocking essential and security cookies will prevent you from logging in and using our banking services. Cookie Preference Center: You can manage your optional cookie preferences through our Cookie Preference Center, accessible from the footer of our website. Opt-Out Links: For analytics cookies, you may be able to opt out directly through the analytics provider's opt-out mechanism. Do Not Track: Some browsers offer a "Do Not Track" (DNT) feature. Our platform currently does not respond to DNT signals, as there is no industry-wide standard for how to interpret them.

Cookies are retained for varying periods depending on their purpose: Session Cookies: These are temporary cookies that are deleted when you close your browser. They are used for authentication and security purposes during your active session. Persistent Cookies: These remain on your device for a set period or until you delete them. Retention periods vary from 24 hours to 2 years depending on the cookie's purpose. The specific retention period for each cookie is listed in the cookie table in Section 6 of this Policy. We regularly review our cookie usage and retention periods to ensure they remain appropriate and proportionate.

We may update this Cookie Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by: • Displaying a prominent notice on our website • Sending an email notification to your registered email address • Updating the "Last Updated" date at the top of this Policy We encourage you to review this Policy periodically to stay informed about our use of cookies. Your continued use of our platform after any changes to this Policy constitutes your acceptance of the updated Policy. For questions about our use of cookies, please contact us at privacy@illunwobank.com. This Cookie Policy was last updated on August 21, 2026.