IFTS Cookie Policy

1 Scope of this Cookie Policy

This Cookie Policy applies to cookies and similar technologies used through all official IFTS digital platforms, including but not limited to:

• IFTS Website
• IFTS Web Application
• IFTS Client Portal
• Online Checkout
• Digital Service Forms
• Client Login Pages
• Payment Verification Pages
• Mobile-responsive Web Services
• Any other official digital platform operated by IFTS

This Cookie Policy applies whenever you visit, browse, interact with, or use any of the above platforms, regardless of whether you create a Client Portal account or purchase any services.

2 What Are Cookies?

Cookies are small text files that are stored on your computer, smartphone, tablet, or other internet-enabled device when you visit a website.

Cookies help websites remember information about your visit, allowing the website to function properly, improve performance, enhance security, remember user preferences, and provide a more personalized browsing experience.

Cookies generally do not contain information that directly identifies an individual. However, where cookies are linked to personal information collected through the IFTS Platform, such information will be processed in accordance with the IFTS Privacy Policy.

In addition to cookies, the IFTS Platform may use similar technologies, including:

• Session Storage
• Local Storage
• Web Beacons
• Pixel Tags
• Device Identifiers
• Security Tokens
• Similar browser-based technologies

For simplicity, all such technologies are collectively referred to in this Cookie Policy as "Cookies."

3 Why We Use Cookies

Cookies play an important role in ensuring that the IFTS Platform operates securely, efficiently, and reliably.

Depending on how you use our platform, cookies may be used to:

• Enable essential website functionality.
• Maintain secure login sessions.
• Protect Client Portal accounts.
• Verify authenticated users.
• Remember user preferences.
• Improve website performance.
• Analyze website traffic.
• Detect suspicious or fraudulent activity.
• Prevent unauthorized access.
• Improve website speed and responsiveness.
• Remember language or accessibility preferences.
• Maintain shopping cart and checkout information.
• Improve navigation across the platform.
• Support future platform enhancements.

We use cookies only for legitimate operational, security, analytical, and user experience purposes.

4 Types of Cookies We Use

Different cookies perform different functions. Depending on your interaction with the IFTS Platform, we may use one or more categories of cookies.

These categories include:

• Essential Cookies
• Functional Cookies
• Performance Cookies
• Analytics Cookies
• Security Cookies
• Session Cookies
• Persistent Cookies
• Third-Party Cookies (where applicable)

Each category is explained in the following sections.

5 Essential Cookies

Essential Cookies are necessary for the basic operation of the IFTS Platform.

Without these cookies, important website functions may not operate correctly.

Essential Cookies may be used to:

• Enable secure website navigation.
• Maintain login sessions.
• Support Client Portal authentication.
• Remember selected services during checkout.
• Process secure online payments.
• Maintain shopping cart functionality.
• Protect website security.
• Prevent fraudulent activity.
• Verify account sessions.
• Ensure platform stability.

Because these cookies are necessary for the operation and security of the platform, they generally cannot be disabled through the website itself.

However, users may manage cookies through their browser settings, although doing so may affect the functionality of certain features.

6 Functional Cookies

Functional Cookies improve the convenience and usability of the IFTS Platform by remembering certain preferences selected by users.

These cookies help provide a more personalized browsing experience without collecting unnecessary personal information.

Functional Cookies may remember:

• Preferred language.
• Login preferences (where appropriate).
• Accessibility settings.
• Previously viewed pages.
• Form progress.
• User interface preferences.
• Display settings.
• Notification preferences.
• Region or location preferences (where applicable).

Disabling Functional Cookies may reduce convenience but generally does not prevent access to the core features of the IFTS Platform.

7 Performance & Analytics Cookies

Performance and Analytics Cookies help IFTS understand how visitors interact with the platform so that we can continually improve our website, Web Application, Client Portal, and digital services.

These cookies collect statistical and technical information regarding website usage.

Information collected may include:

• Number of website visitors.
• Frequently visited pages.
• Navigation paths.
• Time spent on pages.
• Website loading performance.
• Device types.
• Browser types.
• Operating systems.
• General geographic region.
• Referral sources.
• Anonymous usage trends.

Where reasonably possible, this information is collected in an aggregated or anonymized form and is used solely for analytical, performance improvement, and service optimization purposes.

Performance and Analytics Cookies are not used to identify individual users for marketing purposes.

8 Security Cookies

Protecting client information and maintaining platform security are among the highest priorities of IFTS.

Security Cookies help safeguard the integrity of our digital services by supporting authentication, fraud prevention, and secure access controls.

These cookies may be used to:

• Verify authenticated users.
• Detect suspicious login attempts.
• Prevent session hijacking.
• Protect against unauthorized access.
• Support OTP verification processes.
• Maintain secure Client Portal sessions.
• Detect automated or malicious activity.
• Help prevent fraud during payment verification.
• Support cybersecurity monitoring.

These cookies help protect both our clients and the IFTS Platform against unauthorized activities and security threats.

9 Session Cookies

Session Cookies are temporary cookies that remain on your device only while you are actively browsing the IFTS Platform.

These cookies are automatically deleted when you close your web browser.

Session Cookies help ensure that various platform features function correctly during your visit.

They may be used to:

• Maintain secure login sessions.
• Authenticate Client Portal users.
• Remember information entered during a single browsing session.
• Support secure navigation between pages.
• Maintain shopping cart information during checkout.
• Process online service applications.
• Prevent duplicate form submissions.
• Enhance platform security during active sessions.

Session Cookies do not permanently store information on your device after your browsing session ends.

10 Persistent Cookies

Persistent Cookies remain stored on your device for a defined period after you close your browser, unless you delete them earlier through your browser settings.

These cookies help improve your experience when returning to the IFTS Platform by remembering certain preferences and settings.

Persistent Cookies may be used to remember:

• Preferred language.
• Website display preferences.
• Accessibility settings.
• Previously accepted cookie preferences.
• Client Portal login preferences (where enabled).
• Security settings.
• Device recognition for trusted devices.
• Website optimization preferences.

Persistent Cookies do not normally contain sensitive personal or financial information and are retained only for as long as reasonably necessary to achieve their intended purpose.

11 Third-Party Cookies

The IFTS Platform may, where appropriate, use trusted third-party technologies that place or access cookies to support certain website functions.

Third-party cookies may be associated with services such as:

• Website Analytics
• Payment Gateway Services
• Website Security Services
• Content Delivery Networks (CDNs)
• CAPTCHA Verification
• Performance Monitoring
• Fraud Detection
• Website Optimization
• Cloud Infrastructure
• Embedded Content (where applicable)

Each third-party provider operates under its own privacy practices and cookie policies.

Where third-party cookies are used, IFTS makes reasonable efforts to engage reputable service providers that maintain appropriate security and privacy standards.

The use of third-party cookies does not permit third parties to access confidential client documents or information stored within the IFTS Client Portal unless such access is necessary to provide an authorized service.

Users are encouraged to review the privacy and cookie policies of any relevant third-party providers where applicable.

12 Cookies Used During Client Portal Access

The IFTS Client Portal is designed to provide clients with a secure digital workspace for managing purchased services.

To maintain platform security and improve the user experience, cookies may be used during Client Portal access.

These cookies may support:

• User authentication.
• Secure login sessions.
• OTP verification processes.
• Session management.
• Account security.
• Navigation between secure pages.
• Service dashboard functionality.
• Document upload sessions.
• Form completion.
• Notification preferences.
• Protection against unauthorized access.

Cookies used within the Client Portal are intended solely to support secure platform functionality and are not used to access, monitor, or review the contents of client documents beyond what is necessary for the operation of the platform.

13 Cookies Used During Online Checkout & Payment Processing

The IFTS Platform may use cookies during the online checkout process to support secure and reliable payment processing.

These cookies help maintain the integrity of the checkout process while reducing the risk of fraud or technical interruptions.

Cookies may be used to:

• Maintain shopping cart information.
• Remember selected service packages.
• Support secure checkout sessions.
• Verify payment status.
• Prevent duplicate payment submissions.
• Support secure communication with authorized payment gateways.
• Maintain order continuity during payment processing.
• Detect abnormal payment activity.
• Improve transaction reliability.

Debit Card and Credit Card payments are processed through authorized third-party payment gateways.

IFTS does not use cookies to collect, store, or access clients' complete payment card numbers, CVV or Security Codes, ATM or Card PINs, Online Banking Passwords, or One-Time Passwords (OTPs).

14 Cookies Used for Security & Fraud Prevention

Maintaining the security of the IFTS Platform is essential to protecting both our clients and our business operations.

Cookies may assist in identifying suspicious activities that could indicate unauthorized access or fraudulent behavior.

Security-related cookies may help:

• Detect repeated failed login attempts.
• Identify unusual browsing behavior.
• Reduce automated bot activity.
• Support CAPTCHA verification.
• Protect Client Portal accounts.
• Verify trusted sessions.
• Detect possible account hijacking.
• Reduce payment fraud.
• Support cybersecurity monitoring.
• Improve platform resilience against malicious activity.

These cookies operate alongside other administrative, technical, and organizational security measures implemented by IFTS.

15 Cookies Used for Website Performance & Improvements

IFTS continually works to improve the quality, performance, and reliability of its Business Infrastructure Platform.

Certain cookies help us understand how visitors interact with the platform so that we can improve navigation, accessibility, and overall user experience.

Performance-related cookies may help us evaluate:

• Website loading speed.
• User navigation patterns.
• Frequently accessed pages.
• Device compatibility.
• Browser compatibility.
• Website responsiveness.
• Technical errors.
• Broken links.
• System performance.
• Overall platform usability.

Information collected through these cookies is generally aggregated or anonymized and is used solely to improve the operation of the IFTS Platform.

These cookies are not intended to identify individual users or monitor personal activities beyond what is reasonably necessary for platform improvement.

16 Managing Your Cookie Preferences

IFTS respects your right to make informed choices regarding the use of cookies.

Most internet browsers allow users to control, manage, restrict, or delete cookies through their browser settings.

Depending on your browser and device, you may be able to:

• View stored cookies.
• Delete existing cookies.
• Block all cookies.
• Block specific categories of cookies.
• Allow cookies only from trusted websites.
• Receive notifications before cookies are stored.
• Automatically delete cookies when the browser is closed.

Where applicable, the IFTS Platform may also provide additional tools that allow users to manage cookie preferences directly through the website.

Your selected preferences may be remembered using a cookie so that your choices continue to apply during future visits.

17 Browser Cookie Controls

Most modern web browsers provide built-in controls for managing cookies.

Cookie management options vary depending on the browser being used.

Users can generally configure browsers to:

• Accept all cookies.
• Reject all cookies.
• Delete existing cookies.
• Block third-party cookies.
• Clear browsing data.
• Remove stored website preferences.
• Control tracking technologies.

Instructions for managing cookies are available through the support documentation provided by your browser developer.

Because browser interfaces change over time, users should consult the latest guidance provided by their respective browser vendors.

18 Consequences of Disabling Cookies

While users remain free to disable cookies, doing so may affect the functionality, security, and performance of certain features available on the IFTS Platform.

Depending on the settings selected, disabling cookies may result in:

• Inability to log in to the Client Portal.
• Repeated login requests.
• Loss of saved preferences.
• Interrupted checkout sessions.
• Reduced website functionality.
• Limited access to secure features.
• Slower website performance.
• Inability to complete certain online forms.
• Reduced protection against fraudulent activity.
• Less personalized user experience.

Essential Cookies are particularly important for maintaining the security and reliability of the IFTS Platform.

For the best experience, IFTS recommends allowing Essential Cookies while using our website, Web Application, and Client Portal.

19 Changes to this Cookie Policy

IFTS may amend, update, or revise this Cookie Policy from time to time to reflect:

• Changes in applicable laws or regulations.
• Enhancements to our website or Web Application.
• Introduction of new platform features.
• Improvements to Client Portal functionality.
• Changes in security practices.
• Updates to analytics technologies.
• Operational improvements.
• Changes relating to trusted third-party service providers.
• Business process enhancements.

The latest version of this Cookie Policy will always be published on the IFTS Platform.

Any updated version becomes effective from the date of publication unless otherwise stated.

Users are encouraged to review this Cookie Policy periodically to remain informed about how cookies are used on the IFTS Platform.

20 Relationship with Other Policies

This Cookie Policy forms part of the overall legal framework governing the use of the IFTS Platform.

It should be read together with the following documents:

• Terms & Conditions
• Privacy Policy
• Refund Policy
• Disclaimer (where applicable)

Where cookies involve the processing of personal information, such processing will also be governed by the IFTS Privacy Policy.

In the event of any inconsistency between this Cookie Policy and applicable laws, the applicable laws shall prevail to the extent required.

21 Contact & Cookie Requests

If you have any questions regarding this Cookie Policy, the use of cookies on the IFTS Platform, or your cookie preferences, please contact us through our official communication channels.