Cookie Policy

1. Purpose

This Cookie Policy explains how Bosse Value Network (“BVN,” “we,” “our,” or “us”) uses cookies and similar tracking technologies when individuals access or use our websites, mobile applications, dashboards, merchant services, APIs, and related digital services. This Policy should be read together with the BVN Privacy Policy and Terms of Service.

2. Scope

This Cookie Policy applies to technologies used across BVN-operated digital properties, including:

BVN websites User applications Merchant portals Business dashboards Administrative dashboards Help centers Account registration pages Subscription and checkout pages Customer support interfaces Promotional landing pages Other BVN-operated online services

This Policy does not govern cookies placed independently by third-party websites that are not controlled by BVN.

3. What Cookies Are

Cookies are small text files placed on a computer, mobile device, tablet, or other internet-connected device when a person visits a website. Cookies allow websites to remember information about a user’s browser, device, preferences, authentication status, and activity. Cookies may be:

Session cookies, which expire when the browser is closed Persistent cookies, which remain until their expiration date or deletion First-party cookies, placed directly by BVN Third-party cookies, placed by approved external providers

4. How BVN Uses Cookies

BVN may use cookies and similar technologies to:

Authenticate users Maintain secure login sessions Protect accounts Detect fraud Remember preferences Process transactions Maintain shopping or subscription selections Measure Platform performance Diagnose technical problems Understand feature usage Improve services Measure marketing effectiveness Comply with legal and security obligations

The specific cookies used may change as BVN’s technology, providers, and services evolve.

5. Essential Cookies

Essential cookies are required for the Platform to function securely and properly. These cookies may support:

Account authentication Login sessions Multi-factor authentication Security protections Fraud prevention Transaction processing Load balancing

Network routing Cookie consent records User-requested services Account preference storage necessary for operation

Essential cookies cannot generally be disabled through BVN’s preference tools because the Platform may not function without them. Users may block essential cookies through browser settings, but doing so may prevent account access or other important Platform functions.

6. Functional Cookies

Functional cookies allow BVN to remember selections and provide enhanced features. These cookies may remember:

Language Region Time zone Accessibility preferences Dashboard layout Display preferences Notification settings Previously selected account options Customer support preferences

Disabling functional cookies may reduce personalization or cause users to re-enter preferences.

7. Analytics and Performance Cookies

Analytics and performance cookies help BVN understand how visitors interact with the Platform. These technologies may measure:

Page visits Session duration Navigation paths Feature usage

Page load times Error rates Application performance Referral sources General geographic region Browser and device types User interaction with buttons, forms, and screens

BVN uses this information to improve reliability, usability, accessibility, and Platform design. Where practical, analytics information may be aggregated, pseudonymized, or de-identified.

8. Advertising and Marketing Cookies

Where legally permitted and subject to applicable consent requirements, BVN may use advertising or marketing cookies to:

Measure campaign performance Understand how users reached the Platform Limit repetitive advertisements Personalize promotional content Build audiences for advertising Measure conversions Evaluate referral and affiliate campaigns Improve marketing communications

Marketing cookies are not required for core Platform functionality. Users may reject or disable these cookies through available consent tools or browser settings.

9. Fraud Prevention and Security

Technologies BVN may use cookies and similar technologies to detect and prevent:

• Unauthorized access
• Account takeover

Credential stuffing Multiple-account abuse Referral fraud Promotion abuse Payment fraud Suspicious login activity Device manipulation Attempts to bypass account restrictions Automated abuse Security attacks

These technologies may generate device identifiers, session risk indicators, and internal security signals. Security-related technologies may operate even when optional analytics or marketing cookies are disabled, where necessary to protect users, BVN, or the Platform.

10. Similar Tracking Technologies

In addition to traditional cookies, BVN may use:

Software development kits Pixels Web beacons Local storage Session storage Mobile identifiers Device fingerprints Log files Embedded scripts API identifiers Tags Conversion tracking technologies

These tools may perform functions similar to cookies and are covered by this Policy where applicable.

11. Third-Party Cookies

BVN may permit approved third-party providers to place or access cookies in connection with services they provide. These providers may include:

Payment processors Identity verification providers Fraud prevention companies Analytics providers Cloud and content-delivery providers Customer support platforms Email and communication providers Advertising platforms Security monitoring providers

Third-party providers may process cookie data according to their own privacy policies and legal responsibilities. BVN evaluates key providers but does not control every aspect of how independent third parties operate their technologies.

12. Cookie Consent

Where required by law, BVN will request consent before placing non-essential cookies. The cookie consent tool may allow users to choose among categories such as:

Essential Functional Analytics Marketing

Consent choices may be stored through an essential cookie so BVN can remember the user’s preferences. Users may withdraw or modify consent at any time through the available cookie settings tool.

13. Managing Cookie Preferences

Where available, users may manage cookie preferences through a Cookie Settings or Privacy Preferences link displayed on the BVN website. Changing preferences may not remove cookies already stored on the device. Users may also need to delete existing cookies through browser or device settings. Consent changes generally apply prospectively.

14. Browser Controls

Most browsers allow users to:

Review stored cookies Delete cookies Block all cookies Block third-party cookies Receive alerts before cookies are placed Limit website tracking

Browser settings vary by provider and version. Blocking or deleting cookies may affect:

Login sessions Account authentication Saved preferences Subscription checkout Transaction completion Customer support tools Fraud prevention functions Overall Platform performance

15. Global Privacy Control and Do Not

Track Some browsers and extensions transmit privacy preference signals, including Global Privacy Control signals or “Do Not Track” requests.

Where applicable law requires recognition of a legally valid opt-out preference signal, BVN will process the signal as required. Because there is not yet a universally adopted standard for all “Do Not Track” signals, BVN may not respond to every browser signal unless legally required.

16. Mobile Applications

BVN mobile applications may use mobile software development kits, device identifiers, local storage, push notification tokens, and similar technologies. Mobile users may manage certain permissions through their device settings, including:

Notifications Camera access Photos Location, if used Biometric authentication Advertising identifiers

Disabling certain permissions may prevent specific application features from operating.

17. Data Collected Through Cookies

Depending on the technology used, BVN may collect:

IP address Device identifier Browser type Operating system Screen size Language Time zone Session identifier Login status Referring page Pages viewed Buttons clicked

Feature usage Transaction stage Error logs General location derived from IP address Security and risk signals Cookie consent preferences

BVN does not use cookies to store plaintext passwords.

18. How Cookie Data Is Used

Cookie and tracking data may be used to:

Operate the Platform Authenticate users Secure accounts Detect fraud Remember preferences Complete user-requested transactions Improve performance Troubleshoot errors Analyze user behavior Personalize content Measure advertising Enforce BVN policies Support legal compliance

BVN seeks to use cookie data only for disclosed and legitimate purposes.

19. Data Sharing

Information collected through cookies may be shared with approved service providers that assist BVN with:

Hosting Analytics Security Fraud prevention

Payment processing Customer support Marketing Communications Technical performance

BVN does not sell personal information for monetary compensation. Certain privacy laws may define some advertising or analytics disclosures as “sale,” “sharing,” or targeted advertising. Where applicable, BVN will provide legally required opt-out rights.

20. Retention Periods

Cookie retention periods vary based on purpose and provider. Examples may include:

Session cookies retained until the browser closes Authentication cookies retained for the active session or a limited login period Preference cookies retained long enough to remember settings Security cookies retained as necessary for fraud prevention Analytics cookies retained for a defined measurement period Consent cookies retained to document privacy preferences

BVN will avoid retaining cookie data longer than reasonably necessary for the applicable purpose. A more detailed cookie inventory may identify specific durations once BVN’s final technology providers are selected.

21. International Processing

Cookie data may be processed in countries where BVN or its service providers operate. Where legally required, BVN will use appropriate safeguards for international transfers, which may include contractual protections and technical or organizational controls.

22. Security

BVN uses reasonable safeguards designed to protect information collected through cookies and related technologies. Measures may include:

Encryption Access controls Secure session management Monitoring Data minimization Vendor controls Retention limits Fraud detection Incident response procedures

No online tracking or storage method can be guaranteed to be completely secure.

23. Children’s Privacy

The Platform is not intended for children who are not legally eligible to create a BVN account. BVN does not knowingly use advertising cookies to profile children in violation of applicable law. Parents or guardians who believe a child’s information has been collected improperly may contact BVN.

24. Changes to This Policy

BVN may update this Cookie Policy to reflect:

New technologies Changes in service providers Platform updates Changes in cookie practices Legal requirements Security improvements

• Business operations

Material updates may be communicated through the Platform, website, email, or cookie consent interface. The revised Policy becomes effective on the date displayed at the top of the document.

25. Contact Information

Bosse Value Network (BVN) Privacy Team [email protected] Support Team [email protected] Security Team [email protected] Website https://www.bossevaluenetwork.com Business Address 650 Hidden Valley Club Dr, Ann Arbor, MI 48104, United States

Appendix A — Cookie Categories Category

Essential

Purpose

Login, security, transactions, consent records

Required

Yes

Functional

Preferences and enhanced features

Optional

Analytics

Usage measurement and performance improvement

Optional

Marketing

Advertising and campaign measurement

Optional where used

Appendix B — Cookie Inventory Template This section should be completed after BVN confirms its production vendors.

Cookie or Technology

Provider

Category

Purpose

Duration

[Cookie name]

BVN

Essential

Maintains secure session

[Duration]

[Cookie name]

[Provider]

Analytics

Measures Platform usage

[Duration]

[Cookie name]

[Provider]

Marketing

Measures campaign conversion

[Duration]

[Technology name]

[Provider]

Security

Detects fraud or account abuse

[Duration]

End of Cookie Policy The final published version should include BVN’s actual cookie names, providers, functions, and retention periods after the website and application integrations are finalized.