TERMS AND CONDITIONS

1. INTRODUCTION

This Cookie Policy explains how ArthaFi Finance Inc. ("ArthaFi", "Artha", "we", "us", or "our") uses cookies and similar technologies in connection with the Artha.Money platform, website, mobile applications, APIs, and related services (collectively, the "Platform").

By using the Platform, you consent to the use of cookies in accordance with this Cookie Policy, subject to your consent preferences and Applicable Law.

2. WHAT ARE COOKIES

Cookies are small text files stored on your device when you visit a website. Cookies help websites recognise users, remember preferences, improve security, and analyse website performance.

We may also use similar technologies including:

• Pixels
• Web beacons
• SDKs
• Local storage
• Tracking scripts

3. TYPES OF COOKIES WE USE

3.1 Strictly Necessary Cookies

These cookies are essential for the operation and security of the Platform and cannot be disabled.

• User authentication
• Session management
• Fraud prevention
• Security monitoring
• Consent management

3.2 Performance and Analytics Cookies

These cookies help us understand how users interact with the Platform by collecting anonymous usage information.

• Website traffic analysis
• Performance monitoring
• Error tracking
• User interaction analytics

3.3 Functional Cookies

These cookies allow the Platform to remember user preferences and improve functionality.

• Language preferences
• Theme settings
• Saved login states
• Region settings

3.4 Advertising and Marketing Cookies

These cookies may be used to deliver relevant advertisements and measure campaign effectiveness.

• Google Ads
• Meta Pixel
• LinkedIn Ads
• Marketing analytics

4. THIRD-PARTY COOKIES

Certain third-party providers integrated with the Platform may place cookies on your device.

Third-party providers may include:

• Sumsub
• AMLBot
• Payment processors
• Banking partners
• Card networks

We do not control third-party cookies and recommend reviewing their privacy policies.

5. COOKIE CONSENT AND CONTROL

Where required by Applicable Law, we obtain your consent before placing non-essential cookies on your device.

You may:

• Accept or reject cookies
• Update cookie preferences
• Block cookies through browser settings
• Delete previously stored cookies

Disabling certain cookies may affect Platform functionality and user experience.

6. INTERNATIONAL DATA TRANSFERS

Information collected through cookies may be processed or stored outside Canada, including Singapore and other jurisdictions where our service providers operate, subject to appropriate safeguards and Applicable Law.

7. DATA RETENTION

Cookie-related data is retained only for as long as necessary to fulfil the purposes described in this Cookie Policy, unless a longer retention period is required by Applicable Law.

8. SECURITY

We implement reasonable administrative, technical, and organisational safeguards to protect information collected through cookies and similar technologies.

However, no electronic transmission or storage system can be guaranteed to be completely secure.

9. CHANGES TO THIS COOKIE POLICY

ArthaFi may update or modify this Cookie Policy at any time by publishing a revised version on the Platform.

Continued use of the Platform after changes become effective constitutes acceptance of the updated Cookie Policy.

10. CONTACT INFORMATION