Effective Date: July 2026

Executive Summary

At Lois Finance, protecting your privacy and personal information is a core commitment. We process personal information responsibly, transparently, and in accordance with applicable data protection laws.

As a financial technology (FinTech) platform, Lois Finance facilitates access to selected digital payment and financial technology services provided by independent licensed third-party institutions.

We do not sell your personal information.

We process personal information only where necessary to operate our platform, maintain security, comply with applicable legal and regulatory obligations, and support users accessing services through the Lois Finance platform.

This Privacy Policy explains how personal information is collected, used, disclosed, stored, and protected when you use our website, applications, and related services.

Introduction

Lois Finance (“Lois Finance”, “we”, “our”, or “us”) operates a financial technology platform designed to facilitate access to selected digital payment and financial technology services.

Lois Finance is not a bank, electronic money institution (EMI), payment institution (PI), money transmitter, investment firm, broker, lender, cryptocurrency exchange, card issuer, or custodian of customer funds or digital assets.

Where regulated financial services are available through the Lois Finance platform, they are provided exclusively by independent licensed third-party financial institutions operating under their own regulatory authorizations, privacy policies, and contractual terms.

By accessing or using the Lois Finance platform, you acknowledge that you have read and understood this Privacy Policy.

Scope of this Privacy Policy

This Privacy Policy applies to:

• the Lois Finance website;
• Lois Finance web applications;
• Lois Finance mobile applications;
• customer support communications;
• platform account management;
• technology services operated directly by Lois Finance.

This Privacy Policy does not replace or modify the privacy policies of independent licensed financial institutions whose regulated services may be accessed through the Lois Finance platform.

Information We Collect

Depending on your interaction with the platform, we may collect the following categories of personal information.

Identity Information

• Full name
• Date of birth
• Nationality
• Residential address
• Email address
• Telephone number
• Government-issued identification
• Identity verification information

Account Information

• Username
• Authentication credentials
• Security settings
• Account preferences

Technical Information

• Device information
• Browser information
• Operating system
• IP address
• Cookie identifiers
• Session information
• Diagnostic logs

Data Breach Notifications

In the event of a data breach affecting your personal information:

• We will notify affected customers promptly.
• We will inform relevant regulators where required under applicable law.

Your Rights

Where applicable under data protection laws and other regulations, you have the right to:

• Access your personal data.
• Correct inaccurate or incomplete data.
• Request deletion where legally possible.
• Restrict processing in certain circumstances.
• Portability: transfer data to another provider.
• Object to processing for marketing or profiling.

Requests can be sent to info@lois.finance or via ticket.

Marketing & Communication Preferences

• We will only send marketing messages where permitted under applicable law.
• You may withdraw consent anytime via account settings or the unsubscribe link.
• Transactional and compliance-related messages cannot be opted out of.

Cardholder Data Privacy

For virtual payment card holders:

• Card data is encrypted and tokenized.
• Lois Finance will never request PINs, CVV codes, or 2FA codes by email or phone.
• Fraudulent use of cards must be reported immediately.

Employee Confidentiality

Employees with access to customer data are bound by confidentiality agreements. Breaches result in termination and possible prosecution.

Policy Updates

This Privacy Policy is reviewed quarterly and updated in line with:

• New laws and regulations.
• New Lois Finance products and services.
• Evolving risk and cybersecurity standards.

The latest version will always be available at www.lois.finance.

Contact Us

For privacy questions or complaints: info@lois.finance or via ticket.

Note:

Lois Finance is a fintech platform that provides access to digital wallet services offered by licensed third-party providers. Lois Finance is not a bank and does not provide traditional banking services. The platform does not operate as a cryptocurrency exchange and does not offer custodial crypto wallet services. All payment cards and financial services are issued and operated by licensed third-party service providers.

Lois Finance is a financial technology (fintech) platform focused on enabling international online payments through digital wallets and virtual payment cards.

The platform allows users to make online purchases and digital payments using payment cards provided by regulated third-party partners.

Lois Finance is not a bank and does not hold customer funds directly. The platform does not provide cryptocurrency exchange, trading, or custodial crypto wallet services. All card issuance, payment processing, and fund management are handled by licensed partner institutions in accordance with applicable regulations.