Cookie Policy

Unlike general consumer websites, the OneMAI Platform operates within a community-based financial coordination environment.

Cookies and similar technologies are used primarily to:

• Maintain secure platform sessions.
• Ensure continuity of contribution cycles.
• Support risk monitoring.
• Protect community members from payout disruption.
• Enable partner attribution.
• Improve product performance.
• Comply with regulatory expectations.

These technologies form part of OneMAI's trust, safety, and operational reliability architecture.

• HTTP cookies
• Mobile SDK identifiers
• Session tokens
• Secure local storage
• Device recognition signals
• Behavioural event tagging
• Fraud detection markers

Some cookies or identifiers may be set or read during interactions with regulated partners that provide:

• Identity verification services
• Payment execution
• Safeguarding of funds
• Compliance monitoring

These interactions occur within secure environments and are governed by contractual and regulatory data protection obligations.

Depending on configuration, cookies may collect:

• Device metadata
• IP-derived regional signals
• Session timestamps
• Feature interaction logs
• Referral attribution data
• Anonymised behavioural risk indicators

Cookies are not used to access bank credentials or private financial account balances.

Cookies may remain active for:

• The duration of a session
• The lifecycle of a savings cycle
• Defined periods supporting risk continuity
• Partner attribution windows
• Operational analytics needs

Retention is aligned with:

• Regulatory expectations
• Fraud prevention requirements
• Platform reliability goals

Users may:

• Adjust browser or device permissions
• Reject optional cookie categories
• Clear stored cookies

However, disabling certain cookies may:

• Interrupt contribution cycles
• Reduce platform safety protections
• Limit eligibility for group participation
• Prevent accurate partner attribution

Depending on jurisdiction, OneMAI relies on:

• Contractual necessity
• Legitimate interest in fraud prevention and service integrity
• Compliance obligations
• User consent (for optional categories)

This Policy may evolve to reflect:

• Platform feature expansion
• Improved risk mitigation tools
• Regulatory developments
• Integration with new financial partners