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 affiliate 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
• Affiliate attribution windows
• Operational analytics needs

Retention is aligned with regulatory expectations, fraud prevention requirements, and 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, or prevent accurate affiliate 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