Cookie Policy

Last updated: February 2026

1. What Are Cookies

Cookies are small text files that are placed on your computer or mobile device when you visit a website. They are widely used by website operators to make their websites function correctly, to improve efficiency, and to provide reporting and analytics information. Cookies are stored in your web browser and allow a website or a third party to recognize you and remember information about your visit, such as your preferred language and other settings.

Cookies set by the website operator (in this case, iBnk) are called "first-party cookies." Cookies set by parties other than the website operator are called "third-party cookies." Third-party cookies enable features or functionality to be provided on or through the website, such as analytics, advertising, or interactive content. The parties that set these third-party cookies can recognize your device both when it visits the website in question and when it visits certain other websites.

In addition to traditional cookies, websites may use similar technologies such as web beacons, pixel tags, and browser-based local storage mechanisms (including localStorage and sessionStorage) to store and retrieve information on your device. Throughout this policy, we refer to all such technologies collectively as "cookies" or "similar technologies" where applicable.

2. How We Use Cookies

iBnk is a crypto-to-fiat offramp platform, and our approach to client-side data storage reflects the specific technical requirements of our service. We want to be transparent about how we use cookies and similar technologies on our platform.

Our platform primarily relies on browser localStorage rather than traditional HTTP cookies for managing authentication state. When you log in to iBnk, your authentication token (such as a JSON Web Token) is stored in your browser's localStorage. This approach was chosen because localStorage provides persistent, client-side storage that is well-suited for single-page application architectures and does not automatically attach data to every HTTP request the way cookies do, which can reduce unnecessary data transmission.

That said, our platform does use a limited number of traditional cookies and similar technologies for specific purposes, including:

• Storing your cookie consent preferences so that we can remember whether you have accepted or declined non-essential cookies.
• Providing CSRF (Cross-Site Request Forgery) protection on certain form submissions and sensitive API endpoints, where a token stored in a cookie is compared against a token submitted with the request to verify its authenticity.
• Maintaining essential session state where localStorage is not appropriate or where server-side validation of the cookie is required.

We do not currently use cookies for advertising, behavioral tracking, or profiling purposes. We do not sell or share cookie data with third-party advertisers.

3. Types of Cookies We Use

The following categories describe the types of cookies and similar technologies that may be used on our platform:

3.1 Essential Cookies

Essential cookies are strictly necessary for the operation of our platform. Without these cookies, core functionality such as secure login, account access, and transaction processing cannot be provided. You cannot opt out of essential cookies because they are required for the platform to function.

Essential cookies and similar technologies we use include:

• Authentication tokens (via localStorage): When you sign in to your iBnk account, an authentication token is stored in your browser's localStorage. This token is used to verify your identity on subsequent requests and to maintain your logged-in session. The token is removed when you log out.
• CSRF protection tokens: We may set a cookie containing a CSRF token to protect against cross-site request forgery attacks. This token ensures that form submissions and sensitive API requests originate from our platform and not from a malicious third-party site. This cookie is essential for the security of your account and transactions.
• Session identifiers: In certain cases, a session cookie may be used to associate your browser with an active server-side session, particularly during sensitive operations such as KYC verification or payment processing.

3.2 Functional Cookies

Functional cookies enable our platform to remember choices you have made and to provide enhanced, personalized features. These cookies are not strictly necessary for the platform to operate, but they improve your experience.

Functional cookies we use include:

• Cookie consent preference: When you interact with our cookie consent banner and indicate your preferences (accept or decline non-essential cookies), we store that preference so that you are not repeatedly prompted on each visit. This preference may be stored as a cookie or in localStorage, depending on the implementation.
• Display and interface preferences: We may store preferences related to your use of the platform, such as preferred currency display or notification settings, using localStorage or similar mechanisms.

3.3 Analytics Cookies

Analytics cookies help website operators understand how visitors interact with their websites by collecting and reporting information about usage patterns, page views, and navigation flows.

As of the date of this policy, iBnk does not use any third-party analytics cookies or tracking services (such as Google Analytics, Mixpanel, or similar tools) on our platform. We do not collect analytics data through cookies or similar client-side tracking technologies.

If we introduce analytics cookies in the future, we will update this policy accordingly and, where required by law, obtain your consent before placing such cookies on your device. Any analytics tools we adopt will be disclosed here with details about the data they collect, how long their cookies persist, and how you can opt out.

4. Managing Cookies

You have several options for managing cookies and similar technologies used by our platform:

4.1 Cookie Consent Banner

When you first visit our platform, you will be presented with a cookie consent banner that allows you to accept or decline non-essential cookies. You can change your preferences at any time by clicking the cookie settings link in the footer of our website or by clearing your browser's stored data and revisiting the site, which will cause the consent banner to reappear.

4.2 Browser Settings

Most web browsers allow you to control cookies through their settings. You can typically configure your browser to:

• Block all cookies or only third-party cookies.
• Alert you when a cookie is being set.
• Delete cookies that have already been stored on your device.
• Browse in "private" or "incognito" mode, which automatically deletes cookies when you close the browser window.

Please note that if you block or delete essential cookies, certain features of our platform may not function correctly. For example, you may be unable to log in or complete transactions.

To manage localStorage data, you can use your browser's developer tools (typically accessible via F12 or the browser menu) to view and clear localStorage entries for our domain. Alternatively, clearing your browser's site data or cache for ibnk.xyz will remove both cookies and localStorage data.

4.3 Browser-Specific Instructions

For instructions on how to manage cookies in your specific browser, please visit:

• Chrome: Settings > Privacy and Security > Cookies and other site data
• Firefox: Settings > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Manage Website Data
• Edge: Settings > Cookies and site permissions > Manage and delete cookies and site data

5. CCPA Disclosure

This section provides additional disclosures required under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), for residents of the State of California.

Under the CCPA, California residents have specific rights regarding their personal information, including information collected through cookies and similar technologies. These rights include:

• Right to Know: You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which that information was collected, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the information.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions permitted by law.
• Right to Correct: You have the right to request that we correct inaccurate personal information that we maintain about you.
• Right to Opt-Out of Sale or Sharing: You have the right to opt out of the "sale" or "sharing" of your personal information, as those terms are defined under the CCPA.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights. We will not deny you goods or services, charge you different prices, or provide a different level or quality of service because you exercised your rights.

"Do Not Sell or Share My Personal Information": iBnk does not sell your personal information to third parties, and we do not share your personal information with third parties for cross-context behavioral advertising purposes. Because we do not engage in these activities, there is no need to opt out. However, if our practices change in the future, we will provide a clear and conspicuous "Do Not Sell or Share My Personal Information" link on our website and update this policy accordingly.

To exercise any of your rights under the CCPA, or if you have questions about our data practices as they relate to California law, please contact us using the information provided in the "Contact Us" section below. We will verify your identity before processing your request and respond within the timeframes required by applicable law.

6. Changes to This Policy

We may update this Cookie Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes to this policy, we will revise the "Last updated" date at the top of this page.

If we make material changes to how we use cookies or similar technologies, particularly changes that expand our use of non-essential cookies or introduce new tracking technologies, we will notify you by posting a prominent notice on our platform or by sending you a notification through your registered email address, where appropriate.

We encourage you to review this Cookie Policy periodically to stay informed about how we use cookies and similar technologies. Your continued use of our platform after any changes to this policy constitutes your acknowledgment of the updated terms.

7. Contact Us

If you have any questions, concerns, or requests regarding this Cookie Policy, our use of cookies and similar technologies, or your rights under applicable privacy laws, please contact us at:

iBnk Vault LLC
30 N Gould St
Sheridan, WY 82801
United States

Email: contact@ibnk.xyz

We will make every effort to respond to your inquiry within a reasonable timeframe and in accordance with applicable legal requirements.